APOTHEEK SINT JACOB
ActiveSummary
APOTHEEK SINT JACOB has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €119k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 43% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+9
Solvency56▲+17
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.34 in 2024; short-term debt: 68% and cash: 9.8% of total assets), and 68.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 47
higher
← 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
31.1%
Return on assets
29%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
44 d early
2023
97 d early
2022
38 d early
2021
44 d early
2020
29 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€127k▲ 18.7%
2024 · €107k
2018: €109k
2019: €121k
2020: €121k
2021: €122k
2022: €142k
2023: €210k
2024: €107k
2018 → 2025
Total assets
€409k▼ 45.4%
2024 · €750k
2018: €785k
2019: €724k
2020: €692k
2021: €653k
2022: €670k
2023: €660k
2024: €750k
2018 → 2025
Net result
€119k▲ 5.8%
2024 · €112k
2018: €-7k
2019: €22k
2020: €28k
2021: €41k
2022: €95k
2023: €68k
2024: €112k
2018 → 2025
Working capital
€126k▼ 14.6%
2024 · €147k
2018: €211k
2019: €227k
2020: €232k
2021: €237k
2022: €230k
2023: €286k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€142k▲ 16.2%€210k▲ 47.5%€107k▼ 48.9%€127k▲ 18.7%
Operating result€53k-€119k▲ 125%€125k▲ 5.4%€196k▲ 56.4%€210k▲ 7.5%
Net result€41k-€95k▲ 131%€68k▼ 28.7%€112k▲ 66.1%€119k▲ 5.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€5k ▼ 96.9%
Current assets
€404k ▼ 30.4%
Equity and liabilities €409k
Equity
€127k ▲ 18.7%
Debt
€282k ▼ 56.1%
Debt's share of the balance-sheet total falls from 85.7% to 68.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213k▼
2024 · €215k
Cash flow
€121k▼
2024 · €132k
Current ratio
1.45▲
2024 · 1.34
Quick ratio
1.06=
2024 · 1.06
Debt to equity
2.22▼
2024 · 5.99
ROE
93.3%▼
2024 · 104.7%
ROA
29.0%▲
2024 · 15.0%
Interest coverage
4.39▼
2024 · 4.90
Debt ≤ 1 year
€278k▼
2024 · €433k
Income taxes
€43k▲
2024 · €40k
Staff costs
€75k▲
2024 · €64k
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 · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€750k€409k▼
Fixed assets21/28€170k€5k▼
Tangible fixed assets22/27€170k€5k▼
Land and buildings22€166k-
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€2k-
Current assets29/58€580k€404k▼
Stocks and contracts in progress3€122k€110k▼
Stocks30/36€122k€110k▼
Amounts receivable within one year40/41€285k€253k▼
Trade receivables40€100k€116k▲
Other amounts receivable41€185k€136k▼
Cash at bank and in hand54/58€170k€40k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€750k€409k▼
Equity10/15€107k€127k▲
Contributions10/11€12k€19k▲
Reserves13€92k€108k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€90k€108k▲
Profit (loss) carried forward14€3k€708▼
Amounts payable17/49€643k€282k▼
Amounts payable after more than one year17€209k-
Financial debts170/4€209k-
Amounts payable within one year42/48€433k€278k▼
Current portion of amounts payable after more than one year42€42k-
Financial debts43€15k-
Credit institutions430/8€15k-
Trade debts44€141k€92k▼
Suppliers440/4€141k€92k▼
Taxes, remuneration and social security45€21k€50k▲
Taxes450/3€15k€43k▲
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€215k€136k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A-€43k
Remuneration, social security and pensions62€64k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€3k▼
Other operating charges640/8€8k€3k▼
Non-recurring operating charges66A-€135
Gross operating margin9900€286k€291k▲
Operating profit (loss)9901€196k€210k▲
Financial income75/76B€24€12▼
Recurring financial income75€24€12▼
Financial charges65/66B€44k€49k▲
Recurring financial charges65€44k€49k▲
Profit (loss) for the period before taxes9903€152k€162k▲
Income taxes67/77€40k€43k▲
Profit (loss) for the period9904€112k€119k▲
Profit (loss) for the period to be appropriated9905€112k€119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€113k€122k▲
Profit (loss) brought forward from the previous period14P€685€3k▲
Transfer from equity791/2€195k€75k▼
Transfer to equity691/2€90k€91k▲
To other reserves6921€90k€91k▲
Profit to be distributed694/7€215k€105k▼
Return on contributions (dividend)694€215k€105k▼
Social balance
Average headcount (FTE)90871.21.2=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €119k ▲5.8%
Operating result €210k, net result €119k, both a record.
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €200kEq €210k ▲47.5%
5 profitable years in a row build equity to €210k.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Antwerpen · 1 establishment unit since 2012
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.
Sint-Jacobsmarkt 982000 AntwerpenGround area
298 m²
Building footprint
297 m²
Volume, LiDAR
7,603 m³
Parcel 11803C0017/00D000, Flanders · tallest building 29.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
APOTHEEK SINT JACOB
since 20122.205.807.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0017/00D000 | Flanders | 298 m² | 1 · 297 m² | 29.2 m · 9 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.205.807.714
Similar companies · same sector, comparable size
PHARMACIE VANNESTE
BE 0806.691.887
Sint-Jans-Molenbeek · Eq €127,311
PHARMACIE STASSEN
BE 0472.586.572
Pepinster · Eq €127,430
PHARMACIE FRANÇOISE LAINÉ
BE 0833.930.576
Fontaine-l'Evêque · Eq €127,458
BUDIN-CONSERVA
BE 0870.657.449
Roeselare · Eq €127,072
APOTEEK DE SMEDT
BE 0414.478.228
Asse · Eq €126,967
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,526 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.