PHARMACIE PIERARD
ActivePHARMACIE PIERARD has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €382k and a net result of €32k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency72▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.57 in 2024; short-term debt: 53.4% and cash: 63.9% of total assets), but 53.4% of the assets are financed with debt.
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
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
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
46.6%
Return on assets
3.9%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
18 d late
2021
30 d late
2020
1 d early
2019
97 d late
← before the deadline
after the deadline →
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
23-09-2026 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
€32k▼ 8.3%
2024 · €35k
2018: €36k
2019: €-36k
2020: €36k
2021: €55k
2022: €29k
2023: €25k
2024: €35k
2018 → 2025
Working capital
€280k▲ 12.7%
2024 · €248k
2018: €195k
2019: €-57k
2020: €1k
2021: €77k
2022: €134k
2023: €187k
2024: €248k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€261k-€290k▲ 11.0%€315k▲ 8.7%€350k▲ 11.1%€382k▲ 9.1%
Operating result€82k-€53k▼ 34.9%€49k▼ 8.9%€57k▲ 17.1%€51k▼ 11.4%
Net result€55k-€29k▼ 47.4%€25k▼ 12.2%€35k▲ 38.2%€32k▼ 8.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €820k
Fixed assets
€103k▲ 0.5%
Current assets
€718k▲ 5.4%
Equity and liabilities €820k
Equity
€382k▲ 9.1%
Debt
€438k▲ 1.2%
The debt ratio falls from 55.3% to 53.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▼
2024 · €85k
Cash flow
€61k▼
2024 · €63k
Solvency
46.6%▲
2024 · 44.7%
Current ratio
1.64▲
2024 · 1.57
Quick ratio
1.37▲
2024 · 1.30
Debt / equity
1.15▼
2024 · 1.24
ROE
8.4%▼
2024 · 10.0%
ROA
3.9%▼
2024 · 4.5%
Interest coverage
7.88▲
2024 · 7.37
Debt
€438k▲
2024 · €433k
Debt ≤ 1 year
€438k▲
2024 · €433k
Income taxes
€13k▼
2024 · €14k
Staff costs
€178k▲
2024 · €173k
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€783k€820k▲
Fixed assets21/28€102k€103k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€100k€100k▲
Land and buildings22€0€0=
Plant, machinery and equipment23€97k€96k▼
Furniture and vehicles24€3k€4k▲
Financial fixed assets28€3k€3k=
Current assets29/58€681k€718k▲
Stocks and contracts in progress3€117k€116k▼
Stocks30/36€117k€116k▼
Amounts receivable within one year40/41€14k€75k▲
Trade receivables40€8k€71k▲
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€489k€524k▲
Deferred charges and accrued income490/1€61k€2k▼
Equity and liabilities
Total equity and liabilities10/49€783k€820k▲
Equity10/15€350k€382k▲
Contributions10/11€6k€6k=
Reserves13€344k€376k▲
Distributable reserves133€344k€376k▲
Amounts payable17/49€433k€438k▲
Amounts payable within one year42/48€433k€438k▲
Trade debts44€46k€47k▲
Suppliers440/4€46k€47k▲
Taxes, remuneration and social security45€32k€32k▲
Taxes450/3€8k€8k▼
Remuneration and social security454/9€24k€25k▲
Other amounts payable47/48€355k€359k▲
Accrued charges and deferred income492/3€33€33=
Income statement
Code20242025
Remuneration, social security and pensions62€173k€178k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€260k€259k▼
Operating profit (loss)9901€57k€51k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€49k€45k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€35k€32k▼
Profit (loss) for the period to be appropriated9905€35k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€32k▼
Transfer to equity691/2€35k€32k▼
To other reserves6921€35k€32k▼
Social balance
Average headcount (FTE)90872.12.1=
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 18 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €55k ▲50.7%
Operating result €82k, net result €55k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Equity above €200kEq €207k ▲21.3%
Equity rises from €170k to €207k.
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 97 days late
2019
31-12
Financial
Weakest financial yearnet €-36k ▼200%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
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, Gembloux · 1 establishment unit since 1992
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.
Place de l' Hôtel-de-Ville 35030 GemblouxGround area
787 m²
Building footprint
53 m²
Parcel 92053D0525/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Place de l' Hôtel-de-Ville 3, 5030 Gembloux
since 19922.056.483.835
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0525/00B000 | Wallonia | 787 m² | 1 · 53 m² | - |
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
Legal Entity Identifier
875500636WV6RPMAS425
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1991
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.