pharma.schyns
ActiveSummary
pharma.schyns has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €599k and a net result of €94k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 79% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency92▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 2.26 in 2024; short-term debt: 31.5% and cash: 20.4% of total assets), and 33.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.8%
Return on assets
10.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
20 d early
2023
19 d early
2022
5 d early
2021
31 d early
2020
15 d early
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€94k▲ 18.7%
2024 · €79k
2018: €7k
2019: €27k
2020: €15k
2021: €68k
2022: €72k
2023: €83k
2024: €79k
2018 → 2025
Working capital
€433k▲ 16.3%
2024 · €372k
2018: €-16k
2019: €29k
2020: €52k
2021: €119k
2022: €183k
2023: €289k
2024: €372k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€321k-€373k▲ 16.3%€455k▲ 22.2%€528k▲ 15.9%€599k▲ 13.5%
Operating result€105k-€110k▲ 4.6%€128k▲ 16.4%€127k▼ 0.6%€152k▲ 19.9%
Net result€68k-€72k▲ 6.7%€83k▲ 15.5%€79k▼ 5.3%€94k▲ 18.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €896k
Fixed assets
€181k ▲ 5.4%
Current assets
€715k ▲ 7.1%
Equity and liabilities €896k
Equity
€599k ▲ 13.5%
Debt
€297k ▼ 4.7%
Debt's share of the balance-sheet total falls from 37.1% to 33.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€168k▲
2024 · €142k
Cash flow
€110k▲
2024 · €94k
Current ratio
2.54▲
2024 · 2.26
Quick ratio
1.82▲
2024 · 1.67
Debt to equity
0.50▼
2024 · 0.59
ROE
15.6%▲
2024 · 15.0%
ROA
10.5%▲
2024 · 9.4%
Interest coverage
7.36▼
2024 · 8.09
Debt ≤ 1 year
€282k▼
2024 · €295k
Income taxes
€38k▲
2024 · €32k
Staff costs
€138k▲
2024 · €105k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€839k€896k▲
Fixed assets21/28€172k€181k▲
Intangible fixed assets21€7k€3k▼
Tangible fixed assets22/27€165k€178k▲
Land and buildings22€152k€144k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€4k€27k▲
Current assets29/58€667k€715k▲
Stocks and contracts in progress3€175k€201k▲
Stocks30/36€175k€201k▲
Amounts receivable within one year40/41€69k€63k▼
Trade receivables40€69k€63k▼
Current investments50/53€96k€261k▲
Cash at bank and in hand54/58€327k€182k▼
Deferred charges and accrued income490/1€579€7k▲
Equity and liabilities
Total equity and liabilities10/49€839k€896k▲
Equity10/15€528k€599k▲
Contributions10/11€100k€100k=
Reserves13€344k€414k▲
Distributable reserves133€344k€414k▲
Profit (loss) carried forward14€84k€85k▲
Amounts payable17/49€312k€297k▼
Amounts payable within one year42/48€295k€282k▼
Trade debts44€47k€39k▼
Suppliers440/4€47k€39k▼
Taxes, remuneration and social security45€35k€44k▲
Taxes450/3€25k€26k▲
Remuneration and social security454/9€11k€19k▲
Other amounts payable47/48€213k€198k▼
Accrued charges and deferred income492/3€17k€15k▼
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€105k€138k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€250k€309k▲
Operating profit (loss)9901€127k€152k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€18k€23k▲
Recurring financial charges65€18k€23k▲
Profit (loss) for the period before taxes9903€111k€132k▲
Income taxes67/77€32k€38k▲
Profit (loss) for the period9904€79k€94k▲
Profit (loss) for the period to be appropriated9905€79k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€178k▲
Profit (loss) brought forward from the previous period14P€83k€84k▲
Transfer from equity791/2€7k€23k▲
Transfer to equity691/2€78k€93k▲
To other reserves6921€78k€93k▲
Profit to be distributed694/7€7k€23k▲
Return on contributions (dividend)694€7k€23k▲
Social balance
Average headcount (FTE)90872.22.5▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €94k ▲18.7%
Operating result €152k, net result €94k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500kEq €528k ▲15.9%
7 profitable years in a row build equity to €528k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Herve · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Potiérue 64650 HerveGround area
188 m²
Building footprint
32 m²
Volume, LiDAR
302 m³
Parcel 63035A0747/00B000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Potiérue 6, 4650 Herve
since 20092.177.838.753
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0747/00B000 | Wallonia | 187 m² | 1 · 32 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerve2.177.838.753
Similar companies · same sector, comparable size
PHARMACIE DU TRONE
BE 0876.181.204
Elsene · Eq €598,680
DIGITALE PHARMA
BE 0874.810.435
Bernissart · Eq €598,332
Pharmacie d'Oupeye - Bernard
BE 0421.663.552
Oupeye · Eq €598,326
SIMON IMMO
BE 0542.844.068
Ecaussinnes · Eq €599,289
APOTHEEK BART HENDRICKX
BE 0476.238.722
Landen · Eq €599,512
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,293 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.