PharmAzzy
ActiveThe computed 12-month bankruptcy probability of PharmAzzy is 1.7% (moderate). The 2025 annual accounts show equity of €25k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 18281 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
74
/ 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
Profitability100▲+64
Solvency92▲+21
Growth32=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.69 in 2024; short-term debt: 29.9% and cash: 0.2% of total assets), and 32.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
67.3%
Return on assets
49.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €25k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
53 d early
2024
17 d early
2023
35 d early
2022
53 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 274%
2024 · €7k
2022: €26k
2023: €7k
2024: €7k
2022 → 2025
Total assets
€38k▲ 155%
2024 · €15k
2022: €81k
2023: €43k
2024: €15k
2022 → 2025
Net result
€19k▲ 33,793%
2024 · €55
2022: €24k
2023: €-19k
2024: €55
2022 → 2025
Working capital
€10k▲ 109%
2024 · €5k
2022: €33k
2023: €4k
2024: €5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€7k▼ 73.8%€7k▲ 0.8%€25k▲ 274%
Operating result€32k-€-19k€747€11k▲ 1,411%
Net result€24k-€-19k€55€19k▲ 33,793%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,411% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€16k▲ 473%
Current assets
€22k▲ 79.9%
Equity and liabilities €38k
Equity
€25k▲ 274%
Debt
€12k▲ 54.5%
The debt ratio falls from 54.0% to 32.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €2k
Cash flow
€22k▲
2024 · €1k
Solvency
67.3%▲
2024 · 46.0%
Current ratio
1.90▲
2024 · 1.69
Quick ratio
1.90▲
2024 · 1.69
Debt / equity
0.49▼
2024 · 1.18
ROE
73.3%▲
2024 · 0.8%
ROA
49.3%▲
2024 · 0.4%
Interest coverage
44.93▲
2024 · 2.04
Debt
€12k▲
2024 · €8k
Debt ≤ 1 year
€11k▲
2024 · €7k
Income taxes
€2k▲
2024 · €222
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€15k€38k▲
Fixed assets21/28€3k€16k▲
Tangible fixed assets22/27€3k€16k▲
Furniture and vehicles24€3k€16k▲
Current assets29/58€12k€22k▲
Amounts receivable within one year40/41€9k€20k▲
Trade receivables40-€8k
Other amounts receivable41€9k€13k▲
Cash at bank and in hand54/58€975€89▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€15k€38k▲
Equity10/15€7k€25k▲
Contributions10/11€3k€3k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€-19k€-324▲
Amounts payable17/49€8k€12k▲
Amounts payable within one year42/48€7k€11k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€2k-
Accrued charges and deferred income492/3€940€1k▲
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€840€1k▲
Gross operating margin9900€3k€16k▲
Operating profit (loss)9901€747€11k▲
Financial income75/76B€593€10k▲
Recurring financial income75€593€607▲
Non-recurring financial income76B-€9k
Financial charges65/66B€1k€324▼
Recurring financial charges65€1k€324▼
Profit (loss) for the period before taxes9903€277€21k▲
Income taxes67/77€222€2k▲
Profit (loss) for the period9904€55€19k▲
Profit (loss) for the period to be appropriated9905€55€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-324▲
Profit (loss) brought forward from the previous period14P€-19k€-19k▲
The notes to these accounts (6 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €55
Net result €55 after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k ▼178%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Zonhoven · 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.
Hortstraat 703520 ZonhovenGround area
1,129 m²
Building footprint
184 m²
Volume, LiDAR
770 m³
Parcel 71066A0333/00H000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PharmAzzy
since 20222.329.965.437
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066A0333/00H000 | Flanders | 1,129 m² | 1 · 184 m² | 6.3 m · 1 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 siteZonhoven2.329.965.437
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 1,780 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
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 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.