TEMAPHARM
ActiveSummary
The computed 12-month bankruptcy probability of TEMAPHARM is 1.9% (moderate). The 2024 annual accounts show equity of €64k and a net result of €74k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 26043 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency72▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.32 in 2023; short-term debt: 53.2% and cash: 23.9% of total assets), and 53.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 20-06-2025, 41 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
37 d early
2022
38 d early
2021
18 d late
2020
31 d late
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€102k▼ 17.6%
2020 · €124k
2020: €124k
2021: €102k▼ -17.6% vs 2020
2020 → 2021
EBIT margin
20.4%▼ 18.2pp
2020 · 38.5%
2020: 38.5%
2021: 20.4%▼ -47.1% vs 2020
2020 → 2021
Net result
€74k=
2023 · €74k
2019: €16klowest in 6 years
2020: €41k▲ +157% vs 2019
2021: €17k▼ -59.3% vs 2020
2022: €47k▲ +184% vs 2021
2023: €74k▲ +57.4% vs 2022highest in 6 years
2024: €74k● -0.0% vs 2023
2019 → 2024
Working capital
€-36k▲ 37.7%
2023 · €-58k
2019: €13khighest in 6 years
2020: €-43k▼ -439% vs 2019
2021: €-50k▼ -15.5% vs 2020
2022: €-90k▼ -81.3% vs 2021lowest in 6 years
2023: €-58k▲ +35.1% vs 2022
2024: €-36k▲ +37.7% vs 2023
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€124k-€102k▼ 17.6%
2020: €124k
2021: €102k▼ -17.6% vs 2020
Equity€63k-€79k▲ 26.4%€26k▼ 67.1%€50k▲ 92.1%€64k▲ 27.9%
2020: €63k
2021: €79k▲ +26.4% vs 2020highest in 5 years
2022: €26k▼ -67.1% vs 2021lowest in 5 years
2023: €50k▲ +92.1% vs 2022
2024: €64k▲ +27.9% vs 2023
Operating result€48k-€21k▼ 56.5%€61k▲ 195%€95k▲ 55.2%€94k▼ 1.3%
2020: €48k
2021: €21k▼ -56.5% vs 2020lowest in 5 years
2022: €61k▲ +195% vs 2021
2023: €95k▲ +55.2% vs 2022highest in 5 years
2024: €94k▼ -1.3% vs 2023
Net result€41k-€17k▼ 59.3%€47k▲ 184%€74k▲ 57.4%€74k=
2020: €41k
2021: €17k▼ -59.3% vs 2020lowest in 5 years
2022: €47k▲ +184% vs 2021
2023: €74k▲ +57.4% vs 2022highest in 5 years
2024: €74k● -0.0% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €137k
Fixed assets
€100k ▼ 7.8%
Current assets
€36k ▲ 33.6%
Equity and liabilities €137k
Equity
€64k ▲ 27.9%
Debt
€73k ▼ 15.4%
Debt's share of the balance-sheet total falls from 63.2% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€103k▼
2023 · €107k
Cash flow
€82k▼
2023 · €86k
Current ratio
0.50▲
2023 · 0.32
Debt to equity
1.14▼
2023 · 1.72
ROE
115.7%▼
2023 · 148.0%
ROA
54.1%▼
2023 · 54.4%
Interest coverage
640.74▼
2023 · 703.00
Debt ≤ 1 year
€73k▼
2023 · €86k
Income taxes
€20k▼
2023 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€136k€137k▲
Fixed assets21/28€109k€100k▼
Tangible fixed assets22/27€109k€100k▼
Land and buildings22€103k€97k▼
Plant, machinery and equipment23€698€299▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€27k€36k▲
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€7€0▼
Cash at bank and in hand54/58€23k€33k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€136k€137k▲
Equity10/15€50k€64k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€44k€58k▲
Amounts payable17/49€86k€73k▼
Amounts payable within one year42/48€86k€73k▼
Financial debts43€0€0=
Credit institutions430/8€0€0=
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€5k▼
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€79k€64k▼
Accrued charges and deferred income492/3€369€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€109k€104k▼
Operating profit (loss)9901€95k€94k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€152€160▲
Recurring financial charges65€152€160▲
Profit (loss) for the period before taxes9903€95k€94k▼
Income taxes67/77€21k€20k▼
Profit (loss) for the period9904€74k€74k=
Profit (loss) for the period to be appropriated9905€74k€74k=
Appropriation of the result
Profit (loss) to be appropriated9906€94k€118k▲
Profit (loss) brought forward from the previous period14P€20k€44k▲
Profit to be distributed694/7€50k€60k▲
Return on contributions (dividend)694€50k€60k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €124k | €102k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €69k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €16k | €15k | €12k | €8k | ▼ 28.3% |
| Other operating charges640/8 | - | €829 | €1k | €2k | €2k | ▲ 3.7% |
| Gross operating margin9900 | €62k | €38k | €78k | €109k | €104k | ▼ 4.1% |
| Operating profit (loss)9901 | €48k | €21k | €61k | €95k | €94k | ▼ 1.3% |
| Financial income75/76B | - | - | €3 | €0 | - | - |
| Recurring financial income75 | €1 | - | €3 | €0 | - | - |
| Financial charges65/66B | - | €181 | €92 | €152 | €160 | ▲ 5.1% |
| Recurring financial charges65 | €70 | €181 | €92 | €152 | €160 | ▲ 5.1% |
| Profit (loss) for the period before taxes9903 | €48k | €21k | €61k | €95k | €94k | ▼ 1.3% |
| Income taxes67/77 | €7k | €4k | €14k | €21k | €20k | ▼ 5.8% |
| Profit (loss) for the period9904 | €41k | €17k | €47k | €74k | €74k | = |
| Profit (loss) for the period to be appropriated9905 | €41k | €17k | €47k | €74k | €74k | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €139k | €136k | €169k | €136k | €137k | ▲ 0.5% |
| Fixed assets21/28 | €106k | €129k | €116k | €109k | €100k | ▼ 7.8% |
| Tangible fixed assets22/27 | €106k | €129k | €116k | €109k | €100k | ▼ 7.8% |
| Land and buildings22 | - | €114k | €110k | €103k | €97k | ▼ 6.2% |
| Plant, machinery and equipment23 | - | €1k | €1k | €698 | €299 | ▼ 57.2% |
| Furniture and vehicles24 | - | €14k | €5k | €5k | €3k | ▼ 32.4% |
| Current assets29/58 | €33k | €7k | €52k | €27k | €36k | ▲ 33.6% |
| Amounts receivable within one year40/41 | €25k | €5k | €28k | €3k | €2k | ▼ 22.9% |
| Trade receivables40 | - | €5k | €28k | €3k | €2k | ▼ 22.7% |
| Other amounts receivable41 | - | €7 | €7 | €7 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €6k | €6 | €23k | €23k | €33k | ▲ 42.8% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €1k | €1k | ▲ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €139k | €136k | €169k | €136k | €137k | ▲ 0.5% |
| Equity10/15 | €63k | €79k | €26k | €50k | €64k | ▲ 27.9% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €56k | €73k | €20k | €44k | €58k | ▲ 31.9% |
| Amounts payable17/49 | €76k | €57k | €143k | €86k | €73k | ▼ 15.4% |
| Amounts payable within one year42/48 | €76k | €57k | €143k | €86k | €73k | ▼ 15.0% |
| Financial debts43 | - | €10 | €10 | €0 | €0 | - |
| Credit institutions430/8 | - | €10 | €10 | €0 | €0 | - |
| Trade debts44 | €25k | €2k | €639 | €1k | €1k | ▲ 2.7% |
| Suppliers440/4 | - | €2k | €639 | €1k | €1k | ▲ 2.7% |
| Taxes, remuneration and social security45 | - | €10k | €10k | €5k | €7k | ▲ 35.7% |
| Taxes450/3 | - | €7k | €9k | €5k | €5k | ▼ 6.5% |
| Remuneration and social security454/9 | - | €2k | €1k | €0 | €2k | - |
| Other amounts payable47/48 | - | €45k | €132k | €79k | €64k | ▼ 18.8% |
| Accrued charges and deferred income492/3 | - | €175 | €0 | €369 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €17k | €47k | €74k | €74k | = |
| + Depreciation and write-downs630 | €12k | €16k | €15k | €12k | €8k | ▼ 28.3% |
| Operating cash flow (approximation) | €52k | €33k | €62k | €86k | €82k | ▼ 3.9% |
| Investment in fixed assets (approximation) | - | €-39k | €-2k | €-4k | €0 | ▲ 100% |
| Change in cash | - | €-6k | €23k | €-11 | €10k | ▲ 85,468% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €74k ▲57.4%
Operating result €95k, net result €74k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Neupré · 1 establishment unit since 2019
Ground area
962 m²
Building footprint
158 m²
Volume, LiDAR
926 m³
Parcel 61044C0281/00M007, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEMAPHARM
since 20192.290.079.928
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61044C0281/00M007 | Wallonia | 962 m² | 1 · 158 m² | 8.0 m · 2 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.
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Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,040 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
Founded24-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
70200Business and other management consultancy
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.