PHARMEP
ActivePHARMEP has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €643k and a net result of €42k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 4602 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▼-7
Solvency70▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.02 in 2023; short-term debt: 27% and cash: 0.6% of total assets), and 54.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
15 d early
2022
49 d early
2021
23 d early
2020
30 d early
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€42k▼ 39.8%
2023 · €69k
2018: €43k
2019: €44k
2020: €39k
2021: €73k
2022: €65k
2023: €69k
2018 → 2024
Working capital
€-374k▼ 9.1%
2023 · €-343k
2018: €-987k
2019: €-1.05M
2020: €-1.01M
2021: €-437k
2022: €-424k
2023: €-343k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€393k-€466k▲ 18.6%€531k▲ 13.9%€601k▲ 13.1%€643k▲ 7.0%
Operating result€80k-€73k▼ 9.3%€65k▼ 11.5%€75k▲ 16.4%€73k▼ 2.3%
Net result€39k-€73k▲ 86.9%€65k▼ 11.2%€69k▲ 6.8%€42k▼ 39.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€1.41M▼ 0.2%
Current assets
€9k▲ 19.3%
Equity and liabilities €1.42M
Equity
€643k▲ 7.0%
Debt
€775k▼ 5.3%
The debt ratio falls from 57.7% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▼
2023 · €79k
Cash flow
€45k▼
2023 · €73k
Solvency
45.3%▲
2023 · 42.3%
Current ratio
0.02▲
2023 · 0.02
Quick ratio
0.02▲
2023 · 0.02
Debt / equity
1.21▼
2023 · 1.36
ROE
6.5%▼
2023 · 11.6%
ROA
2.9%▼
2023 · 4.9%
Interest coverage
5.03▼
2023 · 5.58
Debt
€775k▼
2023 · €819k
Debt ≤ 1 year
€383k▲
2023 · €350k
Debt > 1 year
€392k▼
2023 · €469k
Income taxes
€16k▼
2023 · €20k
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€1.42M€1.42M▼
Fixed assets21/28€1.41M€1.41M▼
Tangible fixed assets22/27€12k€9k▼
Leasing and similar rights25€12k€9k▼
Financial fixed assets28€1.40M€1.40M=
Current assets29/58€8k€9k▲
Amounts receivable within one year40/41-€8
Other amounts receivable41-€8
Cash at bank and in hand54/58€8k€9k▲
Deferred charges and accrued income490/1-€319
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.42M▼
Equity10/15€601k€643k▲
Contributions10/11€20k€20k=
Reserves13€257k€299k▲
Distributable reserves133€257k€299k▲
Profit (loss) carried forward14€324k€324k=
Amounts payable17/49€819k€775k▼
Amounts payable after more than one year17€469k€392k▼
Financial debts170/4€469k€392k▼
Amounts payable within one year42/48€350k€383k▲
Current portion of amounts payable after more than one year42€87k€89k▲
Financial debts43€7-
Credit institutions430/8€7-
Trade debts44€361€1k▲
Suppliers440/4€361€1k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€253k€286k▲
Accrued charges and deferred income492/3-€567
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€81k€79k▼
Operating profit (loss)9901€75k€73k▼
Financial income75/76B€28k-
Recurring financial income75€28k-
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€89k€58k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€69k€42k▼
Profit (loss) for the period to be appropriated9905€69k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€393k€366k▼
Profit (loss) brought forward from the previous period14P€324k€324k=
Transfer to equity691/2€69k€42k▼
To other reserves6921€69k€42k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €531k ▲13.9%
5 profitable years in a row build equity to €531k.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €73k ▲86.9%
Net result €73k, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €39k ▼10.1%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
12-07
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
2 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, Mons · 1 establishment unit since 2010
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 du Roeulx(M) 11887021 MonsGround area
221 m²
Building footprint
134 m²
Volume, LiDAR
1,474 m³
Parcel 53038B0414/00P000, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée du Roeulx 1188, 7021 Mons
since 20102.193.642.429
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53038B0414/00P000 | Wallonia | 221 m² | 1 · 134 m² | 13.4 m · 4 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
MORDANT
BE 0468.364.203
Donceel · Eq €643k
RO CONSULT
BE 0749.639.754
Lievegem · Eq €643k
ALEZAN INC
BE 1000.410.587
Oudergem · Eq €642k
WI Consult
BE 0506.853.704
Mol · Eq €643k
Savelkoul Invest
BE 0797.524.397
Bree · Eq €642k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 32,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.