APOTHEEK VANNESTE TOM
ActiveAPOTHEEK VANNESTE TOM has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €623k and a net result of €129k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+3
Solvency85▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 2.53 in 2024; short-term debt: 32% and cash: 47.1% of total assets), and 39.9% of the assets are financed with debt.
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
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 · 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
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
60.1%
Return on assets
12.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
15 d early
2022
20 d early
2021
on the day
2020
6 d early
2019
86 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€623k▲ 26.1%
2024 · €494k
2019: €951k
2020: €336k
2021: €337k
2022: €368k
2023: €404k
2024: €494k
2019 → 2025
Total assets
€1.04M▲ 16.6%
2024 · €888k
2019: €1.95M
2020: €1.93M
2021: €1.54M
2022: €1.25M
2023: €893k
2024: €888k
2019 → 2025
Net result
€129k▲ 44.1%
2024 · €90k
2019: €12k
2020: €15k
2021: €1k
2022: €31k
2023: €36k
2024: €90k
2019 → 2025
Working capital
€546k▲ 41.9%
2024 · €384k
2019: €694k
2020: €112k
2021: €123k
2022: €187k
2023: €256k
2024: €384k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€368k▲ 9.3%€404k▲ 9.7%€494k▲ 22.1%€623k▲ 26.1%
Operating result€5k-€42k▲ 759%€48k▲ 14.1%€120k▲ 151%€184k▲ 52.8%
Net result€1k-€31k▲ 2,575%€36k▲ 14.3%€90k▲ 149%€129k▲ 44.1%
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 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€159k▼ 36.9%
Current assets
€877k▲ 37.8%
Equity and liabilities €1.04M
Equity
€623k▲ 26.1%
Debt
€413k▲ 4.7%
The debt ratio falls from 44.4% to 39.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€277k▲
2024 · €215k
Cash flow
€222k▲
2024 · €184k
Solvency
60.1%▲
2024 · 55.6%
Current ratio
2.65▲
2024 · 2.53
Quick ratio
1.89▲
2024 · 1.57
Debt / equity
0.66▼
2024 · 0.80
ROE
20.7%▲
2024 · 18.1%
ROA
12.5%▲
2024 · 10.1%
Interest coverage
26.48▲
2024 · 23.54
Debt
€413k▲
2024 · €394k
Debt ≤ 1 year
€331k▲
2024 · €252k
Debt > 1 year
€73k▼
2024 · €135k
Income taxes
€46k▲
2024 · €25k
Staff costs
€206k▼
2024 · €207k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€888k€1.04M▲
Fixed assets21/28€252k€159k▼
Intangible fixed assets21€146k€73k▼
Tangible fixed assets22/27€106k€86k▼
Land and buildings22€93k€86k▼
Plant, machinery and equipment23€14k€716▼
Current assets29/58€636k€877k▲
Stocks and contracts in progress3€241k€252k▲
Stocks30/36€241k€252k▲
Amounts receivable within one year40/41€115k€131k▲
Trade receivables40€110k€131k▲
Other amounts receivable41€5k€0▼
Cash at bank and in hand54/58€273k€488k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€888k€1.04M▲
Equity10/15€494k€623k▲
Contributions10/11€38k€38k=
Reserves13€456k€585k▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€453k€582k▲
Amounts payable17/49€394k€413k▲
Amounts payable after more than one year17€135k€73k▼
Financial debts170/4€135k€73k▼
Amounts payable within one year42/48€252k€331k▲
Current portion of amounts payable after more than one year42€62k€62k=
Trade debts44€65k€98k▲
Suppliers440/4€65k€98k▲
Taxes, remuneration and social security45€28k€57k▲
Taxes450/3€250€29k▲
Remuneration and social security454/9€27k€28k▲
Other amounts payable47/48€97k€113k▲
Accrued charges and deferred income492/3€7k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€207k€206k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€93k▼
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€22€0▼
Gross operating margin9900€425k€487k▲
Operating profit (loss)9901€120k€184k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€115k€175k▲
Income taxes67/77€25k€46k▲
Profit (loss) for the period9904€90k€129k▲
Profit (loss) for the period to be appropriated9905€90k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€129k▲
Transfer to equity691/2€90k€129k▲
To other reserves6921€90k€129k▲
Social balance
Average headcount (FTE)90872.52.3▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €129k ▲44.1%
Operating result €184k, net result €129k, both a record.
30-06
Financial
Equity above €500kEq €623k ▲26.1%
7 profitable years in a row build equity to €623k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €1k ▼92%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
10-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
12-10
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
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, Kortrijk · 1 establishment unit since 2003
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.
Markekerkstraat(Mar) 288510 KortrijkGround area
387 m²
Building footprint
172 m²
Volume, LiDAR
1,301 m³
Parcel 34026A0306/00K006, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Apotheek Vanneste Tom
since 20032.135.100.058
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0306/00K006 | Flanders | 387 m² | 1 · 172 m² | 13.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortrijk2.135.100.058
Similar companies · same sector, comparable size
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LA BOVERIE
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APOTHEEK DEWAELE - IDE
BE 0476.347.303
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SikaCare
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2003
Fiscal year end30-06
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.