PHARMACIE VOSS-RICHARD
ActiveSummary
PHARMACIE VOSS-RICHARD has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €622k and a net result of €74k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-15
Solvency51▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.96 in 2024; short-term debt: 41.3% and cash: 9.7% of total assets), and 73.8% of the assets are financed with debt.
Credit advice 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 · 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
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
26.2%
Return on assets
3.1%
Age of the figures
9 mo
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 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
57 d early
2023
48 d early
2022
5 d early
2021
47 d early
2020
1 d early
2019
15 d early
← 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
€74k▼ 46.4%
2024 · €138k
2018: €156k
2019: €161k
2020: €150k
2021: €192k
2022: €188k
2023: €164k
2024: €138k
2018 → 2025
Working capital
€-118k▼ 344%
2024 · €-27k
2018: €227k
2019: €280k
2020: €288k
2021: €295k
2022: €343k
2023: €335k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€423k-€463k▲ 9.4%€487k▲ 5.3%€588k▲ 20.8%€622k▲ 5.8%
Operating result€264k-€260k▼ 1.6%€238k▼ 8.4%€208k▼ 12.4%€168k▼ 19.3%
Net result€192k-€188k▼ 2.0%€164k▼ 12.6%€138k▼ 15.9%€74k▼ 46.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 19% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.38M
Fixed assets
€1.51M ▲ 27.5%
Current assets
€863k ▲ 23.8%
Equity and liabilities €2.38M
Equity
€622k ▲ 5.8%
Debt
€1.75M ▲ 35.3%
Debt's share of the balance-sheet total rises from 68.8% to 73.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€242k▲
2024 · €226k
Cash flow
€147k▼
2024 · €155k
Current ratio
0.88▼
2024 · 0.96
Quick ratio
0.52▲
2024 · 0.50
Debt to equity
2.82▲
2024 · 2.20
ROE
11.9%▼
2024 · 23.5%
ROA
3.1%▼
2024 · 7.3%
Interest coverage
2.95▼
2024 · 4.06
Debt ≤ 1 year
€981k▲
2024 · €724k
Debt > 1 year
€726k▲
2024 · €529k
Income taxes
€13k▼
2024 · €17k
Staff costs
€298k▲
2024 · €242k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.88M€2.38M▲
Fixed assets21/28€1.19M€1.51M▲
Tangible fixed assets22/27€1.19M€1.51M▲
Land and buildings22€143k€1.01M▲
Plant, machinery and equipment23€3k€473k▲
Furniture and vehicles24€27k€28k▲
Assets under construction and advance payments27€1.01M-
Financial fixed assets28€1k-
Current assets29/58€697k€863k▲
Stocks and contracts in progress3€336k€349k▲
Stocks30/36€336k€349k▲
Amounts receivable within one year40/41€172k€278k▲
Trade receivables40€128k€265k▲
Other amounts receivable41€45k€13k▼
Cash at bank and in hand54/58€181k€230k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.88M€2.38M▲
Equity10/15€588k€622k▲
Contributions10/11€19k€19k=
Reserves13€46k€6k▼
Distributable reserves133€46k€6k▼
Profit (loss) carried forward14€524k€598k▲
Amounts payable17/49€1.30M€1.75M▲
Amounts payable after more than one year17€529k€726k▲
Financial debts170/4€529k€726k▲
Amounts payable within one year42/48€724k€981k▲
Current portion of amounts payable after more than one year42€11k€38k▲
Trade debts44€66k€193k▲
Suppliers440/4€66k€193k▲
Taxes, remuneration and social security45€47k€42k▼
Taxes450/3€7k€5k▼
Remuneration and social security454/9€40k€37k▼
Other amounts payable47/48€600k€707k▲
Accrued charges and deferred income492/3€43k€46k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€242k€298k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€73k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€163-
Gross operating margin9900€470k€542k▲
Operating profit (loss)9901€208k€168k▼
Financial income75/76B€2k€619▼
Recurring financial income75€2k€619▼
Financial charges65/66B€56k€82k▲
Recurring financial charges65€56k€82k▲
Profit (loss) for the period before taxes9903€155k€87k▼
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€138k€74k▼
Profit (loss) for the period to be appropriated9905€138k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€525k€598k▲
Profit (loss) brought forward from the previous period14P€387k€524k▲
Transfer from equity791/2€35k€40k▲
Profit to be distributed694/7€37k€40k▲
Return on contributions (dividend)694€37k€40k▲
Social balance
Average headcount (FTE)90873.84.4▲
The notes to these accounts (19 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €74k ▼46.4%
Net result drops to €74k, the lowest in the series.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500kEq €588k ▲20.8%
7 profitable years in a row build equity to €588k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €192k ▲28%
Operating result €264k, net result €192k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
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, Verlaine · 1 establishment unit since 2000
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.
Grand-Route(VER) 2304537 VerlaineGround area
2,226 m²
Building footprint
239 m²
Volume, LiDAR
1,906 m³
2 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Stanges(VER) 24, 4537 Verlaine
since 20002.094.994.518
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61063B0348/00C000 | Wallonia | 1,563 m² | 1 · 82 m² | 7.0 m · 2 fl. |
| 61063B1107/00E000 | Wallonia | 663 m² | 1 · 157 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteVerlaine2.094.994.518
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Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,273 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
Founded24-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.