PHARMALY
ActivePHARMALY has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €14k. Its solvency ranks better than 38% of 2259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes
Profitability100
Solvency62
Growth-
Stability67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.79), but 71.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€16k
Total assets
€56k
Net result
€14k
Working capital
€11k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €56k
Fixed assets
€32k
Current assets
€24k
Equity and liabilities €56k
Equity
€16k
Debt
€40k
Debt finances 71.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€20k
Cash flow
€15k
Solvency
28.4%
Current ratio
1.79
Quick ratio
1.79
Debt / equity
2.52
ROE
84.4%
ROA
23.9%
Interest coverage
47.52
Debt
€40k
Debt ≤ 1 year
€14k
Debt > 1 year
€27k
Income taxes
€5k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€56k
Fixed assets21/28€32k
Tangible fixed assets22/27€32k
Leasing and similar rights25€32k
Current assets29/58€24k
Amounts receivable within one year40/41€11k
Trade receivables40€8k
Other amounts receivable41€3k
Cash at bank and in hand54/58€13k
Deferred charges and accrued income490/1€353
Equity and liabilities
Total equity and liabilities10/49€56k
Equity10/15€16k
Contributions10/11€3k
Profit (loss) carried forward14€14k
Amounts payable17/49€40k
Amounts payable after more than one year17€27k
Financial debts170/4€27k
Amounts payable within one year42/48€14k
Current portion of amounts payable after more than one year42€6k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€6k
Taxes450/3€6k
Accrued charges and deferred income492/3€32
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€254
Gross operating margin9900€21k
Operating profit (loss)9901€18k
Financial charges65/66B€427
Recurring financial charges65€427
Profit (loss) for the period before taxes9903€18k
Income taxes67/77€5k
Profit (loss) for the period9904€14k
Profit (loss) for the period to be appropriated9905€14k
Appropriation of the result
Profit (loss) to be appropriated9906€14k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Mons · 1 establishment unit since 2025
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.
Avenue de la Joyeuse entrée(N) 87000 MonsGround area
1,930 m²
Building footprint
294 m²
Volume, LiDAR
1,312 m³
Parcel 53059D0228/00P000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHARMALY
since 20252.369.824.222
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53059D0228/00P000 | Wallonia | 1,930 m² | 1 · 293 m² | 8.6 m · 2 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.
Similar companies · same sector, comparable size
Beltratec
BE 0752.698.125
Stekene · Eq €16k
SOMAI
BE 0690.821.825
Kortenberg · Eq €16k
Boduco
BE 0758.499.220
Houthulst · Eq €16k
ARCADIA
BE 0447.939.169
Ottignies-Louvain-la-Neuve · Eq €16k
ESTIA
BE 0750.681.614
Leuven · Eq €16k
Of 24,419 companies in sector 82990 we hold annual accounts for 9,361. 5,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2025
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.