Apotheek Uilenberg · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Apotheek Uilenberg is 2.5% (moderate). The 2025 annual accounts show negative equity (€-290k) and a net result of €-143k. Equity is shrinking by ~70.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 1408 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.5% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-02-2026, 154 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	27-02-2026	154 d early	2026-00044953
31-12-2024	31-07-2025	19-02-2025	162 d early	2025-00036287
31-12-2023	31-07-2024	08-06-2024	53 d early	2024-00116719
31-12-2022	31-07-2023	05-06-2023	56 d early	2023-00106368

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-143k-98.9%

Working capital€-287k-137.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 27-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~70.5%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-42.1%	23.8%	better than 12% of 1408 sector peers
Net result	€-143k	€8k	better than 5% of 1405 sector peers
Equity	€-290k	€26k	better than 5% of 1409 sector peers
Gross operating margin	€-15k	€36k	better than 5% of 1402 sector peers
Staff costs	€57k	€42k	higher than 61% of 596 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P12

Stable position over 2022-2025 · n=1408-6698

Net result P5

Stable position over 2022-2025 · n=1405-6678

Equity P5

Stable position over 2022-2025 · n=1409-6712

Gross operating margin P5

Improving position over 2022-2025 · n=1402-6657

Describes the position versus peers, not a forecast.

EBITDA

€-75k

-1555.0% 22-25

Net profit

€-143k

-98.9% 22-25

Cash flow

€-92k

-316.6% 22-25

Total assets

€689k

-5.1% 22-25

Equity

€-290k

-96.8% 22-25

Working capital

€-287k

-137.6% 22-25

Employees (FTE)

1

0.0% 22-25

Staff costs

€57k

-13.0% 22-25

Debt

€979k

+12.1% 22-25

Debt ≤ 1y

€379k

+81.1% 22-25

Debt > 1y

€600k

-9.7% 22-25

Current ratio

0.24

-42.3% 22-25

Quick ratio

0.06

-38.9% 22-25

Solvency

-42.1%

-107.3% 22-25

Debt / equity

-3.38

+43.0% 22-25

ROE

49.2%

+1.1% 22-25

ROA

-20.7%

-109.5% 22-25

Interest coverage

-4.54

-1668.6% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€-75k
Net profit	€-143k
Cash flow	€-92k
Staff costs	€57k
Income taxes	-
Dividends	-
Total assets	€689k
Equity	€-290k
Debt	€979k
of which ≤ 1y	€379k
of which > 1y	€600k
Working capital	€-287k
Employees (FTE)	0.8

Ratios (computed)

	2025
Current ratio	0.24
Quick ratio	0.06
Working capital ratio	-41.6%
Solvency	-42.1%
Debt / equity	-3.38
Long-term debt ratio	-2.07
Interest coverage	-4.54
Gross margin	-
Net margin	-
ROA	-20.7%
ROE	49.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €596k · 86.5% Current assets €93k · 13.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€689k
Fixed assets	21/28	€596k
Tangible fixed assets	22/27	€596k
Financial fixed assets	28	€150
Current assets	29/58	€93k
Stocks & contracts in progress	3	€69k
Amounts receivable within one year	40/41	€16k
Cash & bank	54/58	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€689k
Equity	10/15	€-290k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€-300k
Amounts payable	17/49	€979k
Amounts payable after one year	17	€600k
Amounts payable within one year	42/48	€379k
Trade debts payable within one year	44	€45k
Income statement
Gross operating margin	9900	€-15k
Operating result	9901	€-126k
Financial income	75	€0
Financial charges	65	€17k
Result before taxes	9903	€-143k
Net result for the period	9904	€-143k
Result to be appropriated	9905	€-143k

You are seeing the latest fiscal year only. 3 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

7 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Oude Dreef(NDW) 132200 Herentals

Establishment units

1 location

Apotheek Uilenberg

Itegemse Steenweg 77, 2270 HerenthoutDetailhandel in farmaceutische producten

since 20212.312.248.089

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area4,785 m²

Buildings2

Building footprint341 m²

Volume (LiDAR)1,670 m³

Tallest building9.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13012E0527/00N000	Flanders	3,720 m²	1 · 174 m²	8.2 m · 1 fl.
13027B0132/00R002	Flanders	1,065 m²	1 · 168 m²	9.4 m · 2 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

53 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 7

Profitability 100

Solvency 33

Growth 32

Stability 94

Credit advice

verdict per customer and amount

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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 500 of the 5,224 companies in this sector.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Apotheken47730Detailhandel in farmaceutische producten47730

Primary activity highlighted.

Names & trade names

Legal nameNL

Apotheek Uilenberg

Registered office

Oude Dreef(NDW) 13

2200 Herentals, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.