PHAROMED
ActivePHAROMED has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €28k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 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
Profitability87▲+17
Solvency45▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.6 in 2024; short-term debt: 68.5% and cash: 0.7% of total assets), and 80.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
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
19.8%
Return on assets
14.3%
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 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
92 d early
2023
47 d early
2022
31 d late
2021
29 d late
2020
27 d late
2019
63 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 9.2%
2024 · €36k
2018: €19k
2019: €13k
2020: €5k
2021: €10k
2022: €21k
2023: €22k
2024: €36k
2018 → 2025
Total assets
€198k▲ 17.9%
2024 · €168k
2018: €77k
2019: €117k
2020: €105k
2021: €122k
2022: €126k
2023: €112k
2024: €168k
2018 → 2025
Net result
€28k▲ 103%
2024 · €14k
2018: €23k
2019: €-6k
2020: €-8k
2021: €5k
2022: €11k
2023: €10k
2024: €14k
2018 → 2025
Working capital
€61k▼ 1.1%
2024 · €62k
2018: €19k
2019: €14k
2020: €4k
2021: €13k
2022: €21k
2023: €17k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€21k▲ 117%€22k▲ 3.5%€36k▲ 63.2%€39k▲ 9.2%
Operating result€8k-€24k▲ 212%€15k▼ 38.1%€24k▲ 63.9%€45k▲ 82.4%
Net result€5k-€11k▲ 148%€10k▼ 14.0%€14k▲ 41.2%€28k▲ 103%
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 82% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€2k▼ 53.0%
Current assets
€196k▲ 19.5%
Equity and liabilities €198k
Equity
€39k▲ 9.2%
Debt
€159k▲ 20.3%
The debt ratio rises from 78.6% to 80.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €26k
Cash flow
€30k▲
2024 · €16k
Solvency
19.8%▼
2024 · 21.4%
Current ratio
1.45▼
2024 · 1.60
Quick ratio
1.45▼
2024 · 1.60
Debt / equity
4.05▲
2024 · 3.67
ROE
72.1%▲
2024 · 38.7%
ROA
14.3%▲
2024 · 8.3%
Interest coverage
7.63▲
2024 · 4.94
Debt
€159k▲
2024 · €132k
Debt ≤ 1 year
€136k▲
2024 · €103k
Debt > 1 year
€21k▼
2024 · €29k
Income taxes
€10k▲
2024 · €5k
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€168k€198k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€164k€196k▲
Amounts receivable within one year40/41€157k€194k▲
Trade receivables40€81k€96k▲
Other amounts receivable41€75k€97k▲
Cash at bank and in hand54/58€5k€1k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€168k€198k▲
Equity10/15€36k€39k▲
Contributions10/11€6k€6k=
Reserves13€2k€32k▲
Distributable reserves133€2k€32k▲
Profit (loss) carried forward14€28k€964▼
Amounts payable17/49€132k€159k▲
Amounts payable after more than one year17€29k€21k▼
Financial debts170/4€29k€21k▼
Amounts payable within one year42/48€103k€136k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Financial debts43-€23k
Credit institutions430/8-€23k
Trade debts44€66k€32k▼
Suppliers440/4€66k€32k▼
Taxes, remuneration and social security45€24k€42k▲
Taxes450/3€14k€23k▲
Remuneration and social security454/9€10k€19k▲
Other amounts payable47/48€6k€31k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€32k€48k▲
Operating profit (loss)9901€24k€45k▲
Financial income75/76B€0€38▲
Recurring financial income75€0€38▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€19k€39k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€14k€28k▲
Profit (loss) for the period to be appropriated9905€14k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€56k▲
Profit (loss) brought forward from the previous period14P€14k€28k▲
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7-€25k
Return on contributions (dividend)694-€25k
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €28k ▲103%
Operating result €45k, net result €28k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Blégny · 1 establishment unit since 2011
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.
Rue des Mésanges 34671 BlégnyGround area
2,099 m²
Building footprint
266 m²
Volume, LiDAR
1,354 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHAROMED
since 20112.204.209.687
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62095A0217/00N000 | Wallonia | 1,500 m² | 1 · 164 m² | 7.7 m · 2 fl. |
| 62019A0450/00M000 | Wallonia | 598 m² | 1 · 103 m² | 6.3 m · 2 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2011
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.