PHARMATTOU
ActiveThe computed 12-month bankruptcy probability of PHARMATTOU is 1.7% (moderate). The 2025 annual accounts show equity of €121k and a net result of €29k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 18207 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.66 against 3.82 in 2024; short-term debt: 17.7% and cash: 91.9% of total assets), and 17.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
82.3%
Return on assets
19.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
47 d late
2024
19 d late
2023
34 d early
2022
37 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▲ 31.2%
2024 · €92k
2022: €11k
2023: €52k
2024: €92k
2022 → 2025
Total assets
€147k▲ 17.6%
2024 · €125k
2022: €24k
2023: €85k
2024: €125k
2022 → 2025
Net result
€29k▼ 28.4%
2024 · €40k
2022: €9k
2023: €40k
2024: €40k
2022 → 2025
Working capital
€121k▲ 31.7%
2024 · €92k
2022: €10k
2023: €51k
2024: €92k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€11k-€52k▲ 353%€92k▲ 77.2%€121k▲ 31.2%
Operating result€13k-€51k▲ 296%€51k▲ 1.5%€37k▼ 27.3%
Net result€9k-€40k▲ 327%€40k▼ 0.9%€29k▼ 28.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€118▼ 83.1%
Current assets
€146k▲ 18.1%
Equity and liabilities €147k
Equity
€121k▲ 31.2%
Debt
€26k▼ 20.8%
The debt ratio falls from 26.2% to 17.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €52k
Cash flow
€29k▼
2024 · €41k
Solvency
82.3%▲
2024 · 73.8%
Current ratio
5.66▲
2024 · 3.82
Quick ratio
5.66▲
2024 · 3.82
Debt / equity
0.21▼
2024 · 0.36
ROE
23.8%▼
2024 · 43.6%
ROA
19.6%▼
2024 · 32.1%
Interest coverage
190.27▼
2024 · 312.03
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€26k▼
2024 · €32k
Income taxes
€8k▼
2024 · €11k
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€125k€147k▲
Fixed assets21/28€698€118▼
Tangible fixed assets22/27€698€118▼
Furniture and vehicles24€698€118▼
Current assets29/58€124k€146k▲
Amounts receivable within one year40/41€12k€12k▼
Trade receivables40€12k€12k▼
Cash at bank and in hand54/58€112k€135k▲
Deferred charges and accrued income490/1€172€83▼
Equity and liabilities
Total equity and liabilities10/49€125k€147k▲
Equity10/15€92k€121k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€90k€119k▲
Amounts payable17/49€33k€26k▼
Amounts payable within one year42/48€32k€26k▼
Trade debts44€867€1k▲
Suppliers440/4€867€1k▲
Taxes, remuneration and social security45€18k€18k▲
Taxes450/3€15k€18k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€14k€6k▼
Accrued charges and deferred income492/3€264-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€579€581▲
Other operating charges640/8€611€773▲
Gross operating margin9900€53k€39k▼
Operating profit (loss)9901€51k€37k▼
Financial income75/76B-€16
Recurring financial income75-€16
Financial charges65/66B€167€199▲
Recurring financial charges65€167€199▲
Profit (loss) for the period before taxes9903€51k€37k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€40k€29k▼
Profit (loss) for the period to be appropriated9905€40k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€119k▲
Profit (loss) brought forward from the previous period14P€50k€90k▲
The notes to these accounts (4 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Equity above €100kEq €121k ▲31.2%
4 profitable years in a row build equity to €121k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €40k ▲327%
Net result €40k, the highest in the series.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
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, Asse · 1 establishment unit since 2022
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.
Jan Tieboutstraat 61731 AsseGround area
90 m²
Building footprint
57 m²
Volume, LiDAR
472 m³
Parcel 23095C0073/00Y017, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jan Tieboutstraat 6, 1731 Asse
since 20222.338.521.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095C0073/00Y017 | Flanders | 90 m² | 1 · 57 m² | 12.1 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.
Similar companies · same sector, comparable size
PHARMACIE DE BERLOZ
BE 1003.176.869
Berloz · Eq €121k
Pharma Derasse BSI
BE 0779.300.374
Braine-l'Alleud · Eq €121k
PHARMACIE CAPUCINE
BE 0696.696.164
Brussel · Eq €121k
APOTHEEK RUYSSCHAERT
BE 0439.317.354
Mol · Eq €120k
I & CM PATRIOTES
BE 0878.531.077
Brussel · Eq €121k
Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2022
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.