Equity
-€433,425
Debts exceed assets in financial year 2025.
PHARMACIE DANIEL
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 2000peak €126,512 (2009)
€46,850▼ 20.3%
lowest -€28,984 (2006)
-€18,216▼ €13,076
peak -€354,454 (2020)
-€433,425▼ €18,216
€714,816▲ 1.7%
peak 1.4 FTE (2016)
-not published
Board1 name since 1999
1 directorDANIEL Véronique Jocelyne Marie Ghislaine
Documentsfilings and deeds
07-08-20267 days late
2025micro format
Gross margin from €58,807 to €46,850Loss of €18,216
Key points
from the 2025 annual accountsLosses
-€78,980 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €230,000 estimated
The accounts state no turnover.
Debts
€714,816 254% of the balance sheet
Financial debts 5%Suppliers 6%Taxes and wages 1%Other 88%
Of this, €707,853 falls due within a year.
Filings
26 annual accounts since 2000
The 2025 accounts came 7 days late. The other nine of the last ten were filed on time.
Position in the sector
-€433,425
Less equity than 95% of companies in retail trade. Sector median €41,015 · 22,952 companies.
Checked score
53
Fair
Financially stronger than 15% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,276 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.8%
01-2025: 2.8%● unchanged vs 12-2024
02-2025: 2.8%● unchanged vs 01-2025
03-2025: 2.7%▼ -0.1 percentage points vs 02-2025
04-2025: 2.7%● unchanged vs 03-2025
05-2025: 2.6%▼ -0.1 percentage points vs 04-2025
06-2025: 2.6%● unchanged vs 05-2025
07-2025: 2.8%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 0.8%▼ -2.0 percentage points vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.7%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.3%▲ +0.5 percentage points vs 07-2026
09-2026: 1.1%▼ -0.2 percentage points vs 08-2026
10-2026: 1.1%● unchanged vs 09-2026
11-2026: 1.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€433,425
Loss of €18,216, the second in a row (financial year 2025)
lowers risk
Size: total assets €281,391
Founded in 1999
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 4% on liquidity, 17% on profitability and 32% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,796 companies had the same profile as PHARMACIE DANIEL has now. Each dot stands for 7 companies, two years later.
90.4%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PHARMACIE DANIEL itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,796 companies, not a prediction for PHARMACIE DANIEL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.09 (0.09 in 2024), below 1. Short-term debt is 251.6% and cash 1.3% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€433,425
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 days late
2024
31 days early
2023
28 days early
2022
32 days early
2021
32 days early
2020
33 days early
2019
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 26 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
DV
DANIEL Véronique Jocelyne Marie Ghislaine
Director, since 01-10-1999
- DANIEL Véronique Jocelyne Marie Ghislaine 1,626 sharesdeed of 13-06-2023
- HABETS François Jean Charles 374 sharesdeed of 13-06-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0467947004
Amendment of the articles · Legal-form change
DANIEL Véronique Jocelyne Marie Ghislaine holds 1,626 shares · HABETS François Jean Charles holds 374 shares · Director in office: DANIEL Véronique Jocelyne Marie Ghislaine · General meeting of 06-06-2023 · Gazette deed
First establishment
Rue de Falisolle 190, Sambreville
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PHARMACIE DANIEL Sambreville | €281,391 | €46,850 | -154.0% | - |
| APOTHEEK VAN DER JONCKHEYD Kapellen | €278,917 | €52,993 | 65.9% | - |
| PHARMADEVILLE Bernissart | €257,934 | €42,581 | 18.4% | - |
| PHARMACIE SEVERIN Sambreville | €243,411 | €37,349 | 62.6% | 0.8 |
| Pharmacie Pirotte-Prigneaux Houyet | €268,736 | €54,998 | 64.3% | - |
| APOTHEEK BRACKE Anderlecht | €269,247 | €49,717 | 50.3% | - |
| PHARMACIE COMPERE Verviers | €321,276 | €44,966 | 81.1% | - |
These companies have the same main activity as PHARMACIE DANIEL: retail sale of pharmaceutical products (NACE 47730). They are comparable in size and age: total assets between €243,000 and €321,000, founded between 1998 and 2003.
Official details
Source: KBO- Status
- Active since 03-12-1999Normal situation
- Activity
- Retail sale of pharmaceutical productsNACE 47730
- Establishment unit
- 2.094.822.2925060 Sambreville, since 16-12-1999
- Financial year end
- 31 December
- Peppol
- Reachable since 06-10-2025
Insights on PHARMACIE DANIEL
PHARMACIE DANIEL files the micro format. That format states no turnover. The gross margin fell from €103,392 in 2006 to €46,850 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PHARMACIE DANIEL
- What is the company number of PHARMACIE DANIEL?
- The company number of PHARMACIE DANIEL is 0467.947.004. The VAT number is the same number with BE in front: BE 0467.947.004.
- Where is PHARMACIE DANIEL based?
- The registered office is at Rue de Falisolle 190, 5060 Sambreville.Company details
- What does PHARMACIE DANIEL do?
- According to the KBO register, the main activity is retail sale of pharmaceutical products (NACE 47730).
- What is the legal form of PHARMACIE DANIEL?
- PHARMACIE DANIEL is a private limited company (BV).
- When was PHARMACIE DANIEL founded?
- PHARMACIE DANIEL was founded on 03-12-1999.
- Is PHARMACIE DANIEL still active?
- Yes, PHARMACIE DANIEL is an active enterprise in the KBO register.
- How many employees does PHARMACIE DANIEL have?
- PHARMACIE DANIEL had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of PHARMACIE DANIEL?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €46,850 and 51 comparable companies (NACE 477). It probably lies between €120,000 and €400,000.
- Is PHARMACIE DANIEL profitable?
- In financial year 2025, PHARMACIE DANIEL made a loss of €18,216.
- Where can I find the annual accounts of PHARMACIE DANIEL?
- PHARMACIE DANIEL filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PHARMACIE DANIEL due?
- PHARMACIE DANIEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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