PHARMACOZ
ActivePHARMACOZ has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.05M and a net result of €120k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+3
Solvency99▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 9.0 against 7.5 in 2023; short-term debt: 9.4% and cash: 48.2% of total assets), and 25.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 2024Solvency, return and age of the figures
Solvency
74.2%
Return on assets
8.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
7 d late
2022
on the day
2021
11 d early
2020
31 d late
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€120k▲ 64.5%
2023 · €73k
2018: €92k
2019: €63k
2020: €77k
2021: €85k
2022: €148k
2023: €73k
2018 → 2024
Working capital
€1.07M▲ 8.0%
2023 · €988k
2018: €700k
2019: €342k
2020: €702k
2021: €781k
2022: €911k
2023: €988k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€626k-€711k▲ 13.6%€859k▲ 20.8%€932k▲ 8.5%€1.05M▲ 12.9%
Operating result€112k-€115k▲ 1.9%€198k▲ 72.8%€88k▼ 55.4%€162k▲ 84.0%
Net result€77k-€85k▲ 10.3%€148k▲ 74.2%€73k▼ 50.6%€120k▲ 64.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 84% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€219k▲ 15.4%
Current assets
€1.20M▲ 5.3%
Equity and liabilities €1.42M
Equity
€1.05M▲ 12.9%
Debt
€366k▼ 7.7%
The debt ratio falls from 29.8% to 25.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€194k▲
2023 · €110k
Cash flow
€152k▲
2023 · €95k
Solvency
74.2%▲
2023 · 70.2%
Current ratio
9.00▲
2023 · 7.50
Quick ratio
8.17▲
2023 · 6.79
Debt / equity
0.35▼
2023 · 0.43
ROE
11.4%▲
2023 · 7.8%
ROA
8.5%▲
2023 · 5.5%
Interest coverage
425.45▲
2023 · 424.54
Debt
€366k▼
2023 · €396k
Debt ≤ 1 year
€133k▼
2023 · €152k
Debt > 1 year
€233k▼
2023 · €245k
Income taxes
€49k▲
2023 · €20k
Staff costs
€132k▲
2023 · €122k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.33M€1.42M▲
Fixed assets21/28€189k€219k▲
Tangible fixed assets22/27€189k€216k▲
Land and buildings22€168k€159k▼
Plant, machinery and equipment23€18k€16k▼
Furniture and vehicles24€3k€41k▲
Financial fixed assets28-€2k
Current assets29/58€1.14M€1.20M▲
Stocks and contracts in progress3€108k€111k▲
Stocks30/36€108k€111k▲
Amounts receivable within one year40/41€50k€22k▼
Trade receivables40€14k€9k▼
Other amounts receivable41€36k€13k▼
Current investments50/53€187k€239k▲
Cash at bank and in hand54/58€679k€684k▲
Deferred charges and accrued income490/1€115k€144k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.42M▲
Equity10/15€932k€1.05M▲
Contributions10/11€19k€19k=
Reserves13€914k€1.03M▲
Tax-exempt reserves132€356€356=
Distributable reserves133€913k€1.03M▲
Profit (loss) carried forward14€91€441▲
Amounts payable17/49€396k€366k▼
Amounts payable after more than one year17€245k€233k▼
Other amounts payable178/9€245k€233k▼
Amounts payable within one year42/48€152k€133k▼
Trade debts44€111k€103k▼
Suppliers440/4€111k€103k▼
Advances received on contracts in progress46€67€76▲
Taxes, remuneration and social security45€33k€24k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€31k€19k▼
Other amounts payable47/48€8k€6k▼
Accrued charges and deferred income492/3€82€120▲
Income statement
Code20232024
Remuneration, social security and pensions62€122k€132k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€32k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€959€2k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€238k€332k▲
Operating profit (loss)9901€88k€162k▲
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€260€456▲
Recurring financial charges65€260€456▲
Profit (loss) for the period before taxes9903€93k€170k▲
Income taxes67/77€20k€49k▲
Profit (loss) for the period9904€73k€120k▲
Profit (loss) for the period to be appropriated9905€73k€120k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€120k▲
Profit (loss) brought forward from the previous period14P€627€91▼
Transfer to equity691/2€74k€120k▲
To other reserves6921€74k€120k▲
Social balance
Average headcount (FTE)90872.72.7=
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1MEq €1.05M ▲12.9%
7 profitable years in a row build equity to €1.05M.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €148k ▲74.2%
Operating result €198k, net result €148k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.19
Current ratio from 1.54 to 5.19; short-term debt falls from €639k to €168k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €63k ▼31.6%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gerpinnes · 1 establishment unit since 1984
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 de Moncheret(ACO) 796280 GerpinnesGround area
485 m²
Building footprint
87 m²
Volume, LiDAR
728 m³
Parcel 52001B0108/00G005, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Moncheret(ACO) 79, 6280 Gerpinnes
since 19842.025.323.970
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52001B0108/00G005 | Wallonia | 485 m² | 1 · 87 m² | 10.0 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 siteGerpinnes2.025.323.970
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PHARMACIES ENGELS
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 2,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-1984
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
85141
86901Human health activities
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.