SPEEDPHARMA

Active

Private limited companyfounded 20242 yrs activeRue du Brûlin 8, 6040 Charleroi, BelgiumKBO/BCE: BE 1012.473.924

The computed 12-month bankruptcy probability of SPEEDPHARMA is 3.3% (moderate). The 2025 annual accounts show equity of €46k and a net result of €36k. Its solvency ranks better than 52% of 4454 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

86 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency75

Growth-

Stability67

Bankruptcy probability, 12 months

3.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 1.57), but 59.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

40.5%

Return on assets

31.7%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 1 filing

Deviation from the deadline

2025

12 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€46k

Total assets

€113k

Net result

€36k

Working capital

€28k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €113k

32.6%

67.4%

Fixed assets €37k

Current assets €76k

Equity and liabilities €113k

40.5%

59.5%

Equity €46k

Debt €67k

Debt finances 59.5% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€56k

Cash flow

€45k

Solvency

40.5%

Current ratio

1.57

Quick ratio

1.57

Debt / equity

1.47

ROE

78.2%

ROA

31.7%

Interest coverage

29.36

Debt

€67k

Debt ≤ 1 year

€49k

Debt > 1 year

€19k

Income taxes

€9k

Staff costs

€62k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€113k

Fixed assets21/28€37k

Tangible fixed assets22/27€23k

Furniture and vehicles24€23k

Financial fixed assets28€14k

Current assets29/58€76k

Amounts receivable within one year40/41€34k

Trade receivables40€24k

Other amounts receivable41€11k

Cash at bank and in hand54/58€42k

Deferred charges and accrued income490/1€174

Equity and liabilities

Total equity and liabilities10/49€113k

Equity10/15€46k

Contributions10/11€10k

Profit (loss) carried forward14€36k

Amounts payable17/49€67k

Amounts payable after more than one year17€19k

Financial debts170/4€19k

Amounts payable within one year42/48€49k

Current portion of amounts payable after more than one year42€5k

Trade debts44€23k

Suppliers440/4€23k

Taxes, remuneration and social security45€20k

Taxes450/3€20k

Remuneration and social security454/9€9

Income statement Code2025

Remuneration, social security and pensions62€62k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k

Other operating charges640/8€273

Gross operating margin9900€119k

Operating profit (loss)9901€47k

Financial charges65/66B€2k

Recurring financial charges65€2k

Profit (loss) for the period before taxes9903€45k

Income taxes67/77€9k

Profit (loss) for the period9904€36k

Profit (loss) for the period to be appropriated9905€36k

Appropriation of the result

Profit (loss) to be appropriated9906€36k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

12-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

NBB filing

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, Charleroi · 1 establishment unit since 2024

establishment The establishment unit on the map

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 du Brûlin 86040 Charleroi

Ground area

670 m²

Building footprint

95 m²

Volume, LiDAR

689 m³

Parcel 52034C0074/00Z000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SPEEDPHARMA

Rue du Brûlin 8, 6040 CharleroiFreight transport by road

since 20242.363.464.881

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52034C0074/00Z000	Wallonia	670 m²	1 · 95 m²	9.1 m · 2 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

Of 12,446 companies in sector 49410 we hold annual accounts for 8,086. 5,840 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-08-2024

Fiscal year end31-12

Activities, NACEBEL

49410Freight transport by road

46900Non-specialised wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.