PHARMACIE MONFORT

Active

Private limited companyfounded 20197 yrs activeRue Grand'Route 296, 4610 Beyne-Heusay, BelgiumKBO/BCE: BE 0727.741.114

The computed 12-month bankruptcy probability of PHARMACIE MONFORT is 1.6% (moderate). The 2025 annual accounts show equity of €117k and a net result of €96k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 10359 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability89=

Solvency45▼-29

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 1.63 against 1.65 in 2024; short-term debt: 30% and cash: 3% of total assets), but 80% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

20%

Return on assets

16.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

29 d early

2024

37 d early

2023

42 d early

2022

47 d early

2021

31 d early

2020

23 d early

2019

25 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€96k▲ 26.2%

2024 · €76k

2019: €10k 2020: €40k 2021: €88k 2022: €106k 2023: €93k 2024: €76k

2019 → 2025

Working capital

€111k▼ 9.1%

2024 · €122k

2019: €46k 2020: €69k 2021: €134k 2022: €91k 2023: €120k 2024: €122k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€158k-€157k▼ 0.8%€209k▲ 33.1%€227k▲ 8.8%€117k▼ 48.6%

Operating result€116k-€136k▲ 16.8%€121k▼ 10.7%€103k▼ 15.6%€126k▲ 23.2%

Net result€88k-€106k▲ 19.6%€93k▼ 12.1%€76k▼ 18.4%€96k▲ 26.2%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 23% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €584k

51.0%

49.0%

Fixed assets €298k▲ 89.8%

Current assets €286k▼ 7.6%

Equity and liabilities €584k

20.0%

80.0%

Equity €117k▼ 48.6%

Debt €468k▲ 95.2%

The debt ratio rises from 51.3% to 80.0%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€175k▲

2024 · €143k

Cash flow

€144k▲

2024 · €116k

Solvency

20.0%▼

2024 · 48.7%

Current ratio

1.63▼

2024 · 1.65

Quick ratio

0.65▼

2024 · 0.73

Debt / equity

4.01▲

2024 · 1.06

ROE

82.0%▲

2024 · 33.4%

ROA

16.4%▲

2024 · 16.2%

Interest coverage

38.22▲

2024 · 19.76

Debt

€468k▲

2024 · €240k

Debt ≤ 1 year

€175k▼

2024 · €188k

Debt > 1 year

€291k▲

2024 · €52k

Income taxes

€27k▲

2024 · €21k

Staff costs

€79k▲

2024 · €79k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€467k€584k▲

Fixed assets21/28€157k€298k▲

Intangible fixed assets21€41k€32k▼

Tangible fixed assets22/27€116k€266k▲

Land and buildings22-€151k

Furniture and vehicles24€62k€61k▼

Other tangible fixed assets26€54k€54k▼

Current assets29/58€310k€286k▼

Amounts receivable after more than one year29€0-

Trade receivables290€0-

Stocks and contracts in progress3€173k€171k▼

Stocks30/36€173k€171k▼

Amounts receivable within one year40/41€83k€95k▲

Trade receivables40€77k€95k▲

Other amounts receivable41€5k€33▼

Cash at bank and in hand54/58€51k€17k▼

Deferred charges and accrued income490/1€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€467k€584k▲

Equity10/15€227k€117k▼

Contributions10/11€20k€20k=

Reserves13€206k€95k▼

Distributable reserves133€206k€95k▼

Profit (loss) carried forward14€990€2k▲

Amounts payable17/49€240k€468k▲

Amounts payable after more than one year17€52k€291k▲

Financial debts170/4€52k€181k▲

Other amounts payable178/9-€110k

Amounts payable within one year42/48€188k€175k▼

Current portion of amounts payable after more than one year42€47k€52k▲

Financial debts43€10k€33k▲

Credit institutions430/8€10k€33k▲

Trade debts44€92k€63k▼

Suppliers440/4€92k€63k▼

Taxes, remuneration and social security45€18k€16k▼

Taxes450/3€5k€6k▲

Remuneration and social security454/9€13k€10k▼

Other amounts payable47/48€22k€11k▼

Accrued charges and deferred income492/3-€1k

Income statement Code20242025

Remuneration, social security and pensions62€79k€79k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€48k▲

Other operating charges640/8€861€1k▲

Gross operating margin9900€223k€255k▲

Operating profit (loss)9901€103k€126k▲

Financial income75/76B€2k€454▼

Recurring financial income75€2k€454▼

Financial charges65/66B€7k€5k▼

Recurring financial charges65€7k€5k▼

Profit (loss) for the period before taxes9903€97k€122k▲

Income taxes67/77€21k€27k▲

Profit (loss) for the period9904€76k€96k▲

Profit (loss) for the period to be appropriated9905€76k€96k▲

Appropriation of the result

Profit (loss) to be appropriated9906€76k€97k▲

Profit (loss) brought forward from the previous period14P€709€990▲

Transfer from equity791/2€36k€206k▲

Transfer to equity691/2€54k€95k▲

To other reserves6921€54k€95k▲

Profit to be distributed694/7€58k€206k▲

Return on contributions (dividend)694€58k€206k▲

Social balance

Average headcount (FTE)90872.42.4=

The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 3Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

24-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

19-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Equity above €200kEq €209k ▲33.1%

5 profitable years in a row build equity to €209k.

14-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

31-12

Financial Highest result since 2019net €106k ▲19.6%

Operating result €136k, net result €106k, both a record.

30-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Equity above €150kEq €158k ▲127%

3 profitable years in a row build equity to €158k.

08-07

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

06-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Beyne-Heusay · 1 establishment unit since 2019

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.

Rue Grand'Route 2964610 Beyne-Heusay

1 establishment unit

PHARMACIE MONFORT

Rue Grand'Route 296, 4610 Beyne-HeusayRetail sale of pharmaceutical products

since 20192.290.389.437

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PHARMACIE BERNARD - OUPEYE

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Apotheek Breugelhof

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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,487 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-06-2019

Fiscal year end31-12

Activities, NACEBEL

47730Retail sale of pharmaceutical products

47740Retail trade

47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filings

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:monfort.beyne@skynet.be

Enterprise