PHARMANEMA
ActivePHARMANEMA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €358k and a net result of €36k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-6
Solvency64▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.3 in 2024; short-term debt: 18.8% and cash: 10.5% of total assets), but 60.7% 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
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
39.3%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
20 d early
2023
26 d early
2022
60 d early
2021
45 d early
2020
43 d early
2019
7 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€358k▲ 7.7%
2024 · €332k
2018: €201k
2019: €204k
2020: €231k
2021: €257k
2022: €281k
2023: €305k
2024: €332k
2018 → 2025
Total assets
€910k▲ 12.3%
2024 · €811k
2018: €486k
2019: €506k
2020: €624k
2021: €504k
2022: €659k
2023: €741k
2024: €811k
2018 → 2025
Net result
€36k▼ 4.3%
2024 · €37k
2018: €22k
2019: €53k
2020: €27k
2021: €45k
2022: €50k
2023: €73k
2024: €37k
2018 → 2025
Working capital
€174k▼ 11.0%
2024 · €196k
2018: €142k
2019: €135k
2020: €149k
2021: €166k
2022: €163k
2023: €167k
2024: €196k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€257k-€281k▲ 9.6%€305k▲ 8.3%€332k▲ 9.0%€358k▲ 7.7%
Operating result€65k-€64k▼ 1.1%€89k▲ 37.6%€62k▼ 30.0%€65k▲ 4.9%
Net result€45k-€50k▲ 9.4%€73k▲ 47.9%€37k▼ 49.2%€36k▼ 4.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €910k
Fixed assets
€565k▲ 21.5%
Current assets
€345k▼ 0.2%
Equity and liabilities €910k
Equity
€358k▲ 7.7%
Debt
€552k▲ 15.4%
The debt ratio rises from 59.0% to 60.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112k▲
2024 · €97k
Cash flow
€83k▲
2024 · €72k
Solvency
39.3%▼
2024 · 41.0%
Current ratio
2.02▼
2024 · 2.30
Quick ratio
1.07▼
2024 · 1.31
Debt / equity
1.54▲
2024 · 1.44
ROE
10.0%▼
2024 · 11.2%
ROA
3.9%▼
2024 · 4.6%
Interest coverage
5.20▼
2024 · 5.80
Debt
€552k▲
2024 · €479k
Debt ≤ 1 year
€171k▲
2024 · €150k
Debt > 1 year
€378k▲
2024 · €321k
Income taxes
€8k▼
2024 · €8k
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€811k€910k▲
Fixed assets21/28€465k€565k▲
Tangible fixed assets22/27€460k€560k▲
Land and buildings22€456k€546k▲
Plant, machinery and equipment23€2k€9k▲
Furniture and vehicles24€2k€5k▲
Financial fixed assets28€5k€5k=
Current assets29/58€346k€345k▼
Stocks and contracts in progress3€149k€162k▲
Stocks30/36€149k€162k▲
Amounts receivable within one year40/41€81k€79k▼
Trade receivables40€68k€61k▼
Other amounts receivable41€13k€18k▲
Cash at bank and in hand54/58€107k€96k▼
Deferred charges and accrued income490/1€9k€9k▼
Equity and liabilities
Total equity and liabilities10/49€811k€910k▲
Equity10/15€332k€358k▲
Contributions10/11€25k€25k=
Reserves13€305k€330k▲
Distributable reserves133€305k€330k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€479k€552k▲
Amounts payable after more than one year17€321k€378k▲
Financial debts170/4€321k€378k▲
Amounts payable within one year42/48€150k€171k▲
Current portion of amounts payable after more than one year42€25k€46k▲
Financial debts43€30k€30k=
Credit institutions430/8€30k€30k=
Trade debts44€83k€85k▲
Suppliers440/4€83k€85k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€10k€10k▼
Accrued charges and deferred income492/3€8k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€47k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€99k€115k▲
Operating profit (loss)9901€62k€65k▲
Financial income75/76B€51€187▲
Recurring financial income75€51€187▲
Financial charges65/66B€17k€22k▲
Recurring financial charges65€17k€22k▲
Profit (loss) for the period before taxes9903€45k€44k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€37k€36k▼
Profit (loss) for the period to be appropriated9905€37k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€38k▼
Profit (loss) brought forward from the previous period14P€5k€2k▼
Transfer to equity691/2€30k€25k▼
To other reserves6921€30k€25k▼
Profit to be distributed694/7€10k€10k=
Directors or managers695€10k€10k=
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
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €73k ▲47.9%
Operating result €89k, net result €73k, both a record.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Leuven · 1 establishment unit since 2003
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.
Albert Woutersstraat 93012 LeuvenGround area
604 m²
Building footprint
134 m²
Volume, LiDAR
1,116 m³
Parcel 24126D0255/00V000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
APOTEEK
since 20032.115.465.773
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126D0255/00V000 | Flanders | 604 m² | 1 · 134 m² | 10.5 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 siteLeuven2.115.465.773
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APOTHEEK VERSYCK AN
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2002
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.