SELFPHARMA
ActiveSummary
SELFPHARMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €713,435 and a net result of €50,557. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 66% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2023
Profitability73▲+10
Solvency78▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 4.53 against 4.45 in 2023; short-term debt: 16.5% and cash: 12.3% of total assets), and 47.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
52.6%
Return on assets
3.7%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2023
30 d late
2022
268 d late
2020
90 d late
2019
61 d late
2018
59 d late
2017
58 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 85 days after the deadline; the sector median for financial year 2023 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€50,557▲ 38.3%
2023 · €36,554
Working capital
€787,905▲ 6.3%
2023 · €741,494
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202220232025
Operating result€97,524▲ 67.7%€64,016▼ 34.4%€107,747-€85,796▼ 20.4%€74,664-
Net result€63,120▲ 100%€45,901▼ 27.3%€75,599-€36,554▼ 51.6%€50,557-
Equity€319,108▲ 24.7%€365,010▲ 14.4%€596,253-€632,807▲ 6.1%€713,435-
Total assets€711,709▼ 5.2%€922,628▲ 29.6%€1.2m-€1.3m▲ 4.9%€1.4m-
Debt€392,601▼ 20.7%€557,619▲ 42.0%€602,731-€625,036▲ 3.7%€643,572-
Working capital€333,075▲ 31.3%€412,935▲ 24.0%€657,456-€741,494▲ 12.8%€787,905-
Staff (FTE)6.4▲ 36.2%5.8▼ 9.4%5-5.1▲ 2.0%4.6-
Result per fiscal year
Operating resultNet result
The operating result is €74,664 in 2025, compared with €85,796 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€345,755 ▲ 14.7%
Current assets
€1.0m ▲ 5.7%
Equity and liabilities €1.4m
Equity
€713,435 ▲ 12.7%
Debt
€643,572 ▲ 3.0%
Debt's share of the balance-sheet total falls from 49.7% to 47.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€123,544▲
2023 · €115,170
Cash flow
€99,437▲
2023 · €65,928
Current ratio
4.53▲
2023 · 4.45
Quick ratio
3.96▲
2023 · 3.69
Debt to equity
0.90▼
2023 · 0.99
ROE
7.1%▲
2023 · 5.8%
ROA
3.7%▲
2023 · 2.9%
Interest coverage
6.67▲
2023 · 4.87
Debt ≤ 1 year
€223,347▲
2023 · €215,001
Debt > 1 year
€420,225▲
2023 · €410,035
Income taxes
€15,598▼
2023 · €27,329
Staff costs
€222,852▼
2023 · €233,232
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,891 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,891 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €16,268 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €183,911 | €233,232 | €222,852 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,773 | €19,331 | €27,677 | €29,374 | €48,880 | - |
| Other operating charges640/8 | - | - | €9,567 | €8,712 | €4,459 | - |
| Gross operating margin9900 | €313,733 | €237,667 | €328,903 | €357,114 | €350,855 | - |
| Operating profit (loss)9901 | €97,524 | €64,016 | €107,747 | €85,796 | €74,664 | - |
| Financial income75/76B | - | - | €20,400 | €1,754 | €10,000 | - |
| Recurring financial income75 | - | - | €20,400 | €1,754 | €10,000 | - |
| Financial charges65/66B | - | - | €20,989 | €23,668 | €18,509 | - |
| Recurring financial charges65 | €15,687 | €15,250 | €20,989 | €23,668 | €18,509 | - |
| Profit (loss) for the period before taxes9903 | €81,837 | €64,554 | €107,159 | €63,883 | €66,155 | - |
| Income taxes67/77 | €18,717 | €18,652 | €31,560 | €27,329 | €15,598 | - |
| Profit (loss) for the period9904 | €63,120 | €45,901 | €75,599 | €36,554 | €50,557 | - |
| Profit (loss) for the period to be appropriated9905 | €63,120 | €45,901 | €75,599 | €36,554 | €50,557 | - |
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €711,709 | €922,628 | €1.2m | €1.3m | €1.4m | - |
| Fixed assets21/28 | €201,543 | €234,974 | €233,615 | €301,349 | €345,755 | - |
| Tangible fixed assets22/27 | €201,318 | €234,749 | €233,390 | €301,124 | €345,530 | - |
| Land and buildings22 | - | - | €143,000 | €130,000 | €117,000 | - |
| Plant, machinery and equipment23 | - | - | €75,384 | €162,386 | €23,969 | - |
| Furniture and vehicles24 | - | - | €15,006 | €8,738 | €50 | - |
| Other tangible fixed assets26 | - | - | - | - | €204,511 | - |
| Financial fixed assets28 | €225 | €225 | €225 | €225 | €225 | - |
| Current assets29/58 | €510,166 | €687,654 | €965,369 | €956,495 | €1.0m | - |
| Amounts receivable after more than one year29 | - | - | €560,000 | €472,000 | €472,000 | - |
| Other amounts receivable291 | - | - | €560,000 | €472,000 | €472,000 | - |
| Stocks and contracts in progress3 | €30,859 | €60,605 | €169,273 | €162,096 | €127,559 | - |
| Stocks30/36 | - | - | €169,273 | €162,096 | €127,559 | - |
| Amounts receivable within one year40/41 | €410,029 | €441,048 | €103,678 | €198,341 | €238,663 | - |
| Trade receivables40 | - | - | €86,940 | €166,951 | €132,649 | - |
| Other amounts receivable41 | - | - | €16,738 | €31,391 | €106,015 | - |
| Cash at bank and in hand54/58 | €69,278 | €183,469 | €128,486 | €117,875 | €167,028 | - |
| Deferred charges and accrued income490/1 | - | - | €3,931 | €6,183 | €6,002 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €711,709 | €922,628 | €1.2m | €1.3m | €1.4m | - |
| Equity10/15 | €319,108 | €365,010 | €596,253 | €632,807 | €713,435 | - |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €20,460 | - |
| Capital10 | - | - | €18,600 | €18,600 | - | - |
| Issued capital100 | - | - | €18,600 | €18,600 | - | - |
| Reserves13 | €300,508 | €346,410 | €123,360 | €123,360 | €166,500 | - |
| Non-distributable reserves130/1 | - | - | €123,360 | €123,360 | €166,500 | - |
| Legal reserve130 | - | - | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | - | €121,500 | €121,500 | €166,500 | - |
| Profit (loss) carried forward14 | - | - | €454,293 | €490,847 | €526,475 | - |
| Amounts payable17/49 | €392,601 | €557,619 | €602,731 | €625,036 | €643,572 | - |
| Amounts payable after more than one year17 | €215,510 | €282,900 | €294,818 | €410,035 | €420,225 | - |
| Financial debts170/4 | - | - | €294,818 | €410,035 | €420,225 | - |
| Amounts payable within one year42/48 | €177,091 | €274,719 | €307,913 | €215,001 | €223,347 | - |
| Current portion of amounts payable after more than one year42 | - | - | €3,780 | €3,851 | €20,445 | - |
| Trade debts44 | €76,228 | €144,248 | €194,245 | €178,993 | €133,266 | - |
| Suppliers440/4 | - | - | €194,245 | €178,993 | €133,266 | - |
| Taxes, remuneration and social security45 | - | - | €109,888 | €32,156 | €69,636 | - |
| Taxes450/3 | - | - | €84,124 | €5,753 | €21,436 | - |
| Remuneration and social security454/9 | - | - | €25,764 | €26,404 | €48,200 | - |
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63,120 | €45,901 | €75,599 | €36,554 | €50,557 | - |
| + Depreciation and write-downs630 | €33,773 | €19,331 | €27,677 | €29,374 | €48,880 | - |
| Operating cash flow (approximation) | €96,893 | €65,233 | €103,276 | €65,928 | €99,437 | - |
| Investment in fixed assets (approximation) | - | -€52,763 | - | -€97,107 | - | - |
| Change in cash | - | €114,191 | - | -€10,610 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 268 days late
2022
31-12
Financial
Highest result since 2018net €75,599 ▲64.7%
Operating result €107,747, net result €75,599, both a record.
31-12
Financial
Equity above €500,000Eq €596,253 ▲63.4%
4 profitable years in a row build equity to €596,253.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 59 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 88 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Anderlecht · 1 establishment unit since 2008
Ground area
400 m²
Building footprint
191 m²
Volume, LiDAR
2,266 m³
Parcel 21305B0204/00A036, Brussels · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CITYPHARMA
since 20082.173.692.301
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0204/00A036 | Brussels | 400 m² | 1 · 191 m² | 20.1 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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 siteAnderlecht2.173.692.301
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Of 5,220 companies in sector 47730 we hold annual accounts for 3,860. 3,218 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0806621811
Registered
13-10-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.