PHARMATEAM INVEST
ActivePHARMATEAM INVEST has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-27k) and a net result of €-42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▲+52
Solvency22▼-4
Growth64▲+10
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 5.78 against 4.11 in 2023; short-term debt: 6.4% and cash: 4.7% of total assets), but equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-2.5%
Return on assets
-3.9%
Age of the figures
21 mo
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
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 02-06-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
55 d early
2022
116 d early
2021
108 d early
2020
72 d early
2019
79 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, unclassified schema
Turnover
€600k▼ 16.8%
2023 · €722k
2020: €581k
2021: €778k
2022: €843k
2023: €722k
2020 → 2024
EBIT margin
0.0%▲ 15.3pp
2023 · -15.4%
2020: 132.6%
2021: 16.5%
2022: 9.5%
2023: -15.4%
2020 → 2024
Net result
€-42k▲ 71.4%
2023 · €-148k
2018: €-59k
2019: €-63k
2020: €769k
2021: €89k
2022: €37k
2023: €-148k
2018 → 2024
Working capital
€333k▲ 18.5%
2023 · €281k
2018: €-1.53M
2019: €-1.59M
2020: €201k
2021: €248k
2022: €278k
2023: €281k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€581k-€778k▲ 34.0%€843k▲ 8.3%€722k▼ 14.4%€600k▼ 16.8%
Equity€177k-€206k▲ 16.6%€163k▼ 20.7%€15k▼ 90.7%€-27k
Operating result€770k-€128k▼ 83.4%€80k▼ 37.7%€-111k€-271▲ 99.8%
Net result€769k-€89k▼ 88.4%€37k▼ 58.3%€-148k€-42k▲ 71.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €271 in 2024 against €111k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.08M
Fixed assets
€679k▼ 2.7%
Current assets
€402k▲ 8.4%
Key figures and ratios
EBITDA
€19k▲
2023 · €-92k
Cash flow
€-24k▲
2023 · €-129k
Solvency
-2.5%▼
2023 · 1.4%
Current ratio
5.78▲
2023 · 4.11
Quick ratio
5.78▲
2023 · 4.11
Debt / equity
-3.95▼
2023 · 9.79
ROA
-3.9%▲
2023 · -13.9%
Interest coverage
6.86▲
2023 · -23.12
Debt
€108k▼
2023 · €148k
Debt ≤ 1 year
€70k▼
2023 · €90k
Debt > 1 year
€38k▼
2023 · €58k
Income taxes
€2k▲
2023 · €715
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€1.07M€1.08M▲
Fixed assets21/28€698k€679k▼
Tangible fixed assets22/27€100k€81k▼
Land and buildings22€29k€29k=
Furniture and vehicles24€71k€52k▼
Financial fixed assets28€598k€598k=
Other financial fixed assets284/8€598k€598k=
Shares284€598k€598k=
Current assets29/58€371k€402k▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€284k€350k▲
Trade receivables40€111k€171k▲
Other amounts receivable41€174k€179k▲
Cash at bank and in hand54/58€87k€51k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.08M▲
Equity10/15€15k€-27k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€861€-42k▼
Provisions and deferred taxes16€906k€1.00M▲
Provisions for liabilities and charges160/5€906k€1.00M▲
Other liabilities and charges164/5€906k€1.00M▲
Amounts payable17/49€148k€108k▼
Amounts payable after more than one year17€58k€38k▼
Financial debts170/4€58k€38k▼
Credit institutions173€58k€38k▼
Amounts payable within one year42/48€90k€70k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€27k€17k▼
Suppliers440/4€27k€17k▼
Taxes, remuneration and social security45€43k€32k▼
Taxes450/3€43k€32k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€265€201▼
Income statement
Code20232024
Operating income70/76A€722k€605k▼
Turnover70€722k€600k▼
Other operating income74€131€5k▲
Operating charges60/66A€833k€605k▼
Services and other goods61€596k€433k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€216k€150k▼
Other operating charges640/8€2k€3k▲
Operating profit (loss)9901€-111k€-271▲
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Income from financial fixed assets750€0€2k▲
Income from current assets751€5k€5k▲
Other financial income752/9€0€0=
Financial charges65/66B€42k€48k▲
Recurring financial charges65€42k€48k▲
Debt charges650€4k€3k▼
Other financial charges652/9€38k€46k▲
Profit (loss) for the period before taxes9903€-148k€-41k▲
Income taxes67/77€715€2k▲
Taxes670/3€750€2k▲
Tax adjustments and reversals of tax provisions77€35€0▼
Profit (loss) for the period9904€-148k€-42k▲
Profit (loss) for the period to be appropriated9905€-148k€-42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€861€-42k▼
Profit (loss) brought forward from the previous period14P€149k€861▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (38 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet €-148k ▼498%
Net result drops to €-148k, the lowest in the series; recovery starts the following year.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Equity above €200kEq €206k ▲16.6%
2 profitable years in a row build equity to €206k.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Back to profitnet €769k
Net result €769k after 2 loss-making years.
31-12
Financial
Liquidity times 2203current ratio 1.84
Current ratio from 0.00 to 1.84; short-term debt falls from €1.59M to €239k.
31-12
Financial
Equity above €150kEq €177k
Equity rises from €-592k to €177k.
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-06
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
7 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, Wavre · 1 establishment unit since 2004
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.
Chaussée de Namur 51300 WavreGround area
2,906 m²
Building footprint
391 m²
Volume, LiDAR
3,181 m³
2 parcels, Wallonia · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PHARMATEAM INVEST
since 20042.144.306.843
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037B0118/00B000 | Wallonia | 2,043 m² | 1 · 185 m² | 8.8 m · 2 fl. |
| 25112L0283/00V002 | Wallonia | 863 m² | 1 · 206 m² | 13.0 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.
Similar companies · same sector, comparable size
BLOCS
BE 0668.753.731
Heist-op-den-Berg · Eq €15k
ADJURA
BE 0458.651.731
Antwerpen · Eq €15k
C-SHARE
BE 1001.858.362
Tielt-Winge · Eq €15k
S-PRESSo
BE 0752.773.250
Deinze · Eq €15k
COFREMA
BE 0554.711.722
Braine-l'Alleud · Eq €15k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,319 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2004
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
74141
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.