Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ASSENTFARMA is 0.4% (very low). The 2024 annual accounts show equity of €831k and a net result of €137k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 1225 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 92% of 1225 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 10 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 12-06-2025 | 49 d early | 2025-00142284 |
| 31-12-2023 | 31-07-2024 | 28-05-2024 | 64 d early | 2024-00100597 |
| 31-12-2022 | 31-07-2023 | 13-07-2023 | 18 d early | 2023-00238302 |
| 31-12-2021 | 31-07-2022 | 02-06-2022 | 59 d early | 2022-20051180 |
| 31-12-2020 | 31-07-2021 | 12-07-2021 | 19 d early | 2021-34500420 |
| 31-12-2019 | 31-07-2020 | 04-06-2020 | 57 d early | 2020-14800236 |
| 31-12-2018 | 31-07-2019 | 07-06-2019 | 54 d early | 2019-17100061 |
| 31-12-2017 | 31-07-2018 | 25-05-2018 | 67 d early | 2018-14000593 |
| 31-12-2016 | 31-07-2017 | 08-06-2017 | 53 d early | 2017-16200005 |
| 31-12-2015 | 31-07-2016 | 27-05-2016 | 65 d early | 2016-13700419 |
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 signalsLong-established
Founded in 2002, 24 years in business.
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Long track record
−Lower-risk legal form
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€137k+17.4%
Working capital€790k+11.1%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 12-06-2025 with the NBB · fiscal year 2024 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~8.5%/year over 7 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 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 76.9% | 20.4% | |
| Net result | €137k | €26k | |
| Equity | €831k | €142k | |
| Gross operating margin | €197k | €217k | |
| Staff costs | €14k | €163k |
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).
P92
Stable position over 2020-2024
· n=536-1225
P83
Stable position over 2020-2024
· n=536-1224
P90
Stable position over 2020-2024
· n=536-1225
P47
Weakening position over 2020-2024
· n=536-1223
Describes the position versus peers, not a forecast.
€182k
+15.0%
18-24
€137k
+17.4%
18-24
€150k
+17.2%
18-24
€1.08M
+9.9%
18-24
€831k
+10.2%
18-24
€790k
+11.1%
18-24
0
+200.0%
18-24
€14k
+30.4%
18-24
€28k
+10.5%
18-24
€250k
+9.1%
18-24
€243k
+8.6%
18-24
4.26
+1.7%
18-24
3.70
+3.3%
18-24
76.9%
+0.2%
18-24
0.30
-1.0%
18-24
16.5%
+6.5%
18-24
12.7%
+6.8%
18-24
17.06
-13.3%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €182k |
| Net profit | €137k |
| Cash flow | €150k |
| Staff costs | €14k |
| Income taxes | €28k |
| Dividends | - |
| Total assets | €1.08M |
| Equity | €831k |
| Debt | €250k |
| of which ≤ 1y | €243k |
| of which > 1y | - |
| Working capital | €790k |
| Employees (FTE) | 0.3 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 4.26 |
| Quick ratio | 3.70 |
| Working capital ratio | 73.0% |
| Solvency | 76.9% |
| Debt / equity | 0.30 |
| Long-term debt ratio | - |
| Interest coverage | 17.06 |
| Gross margin | - |
| Net margin | - |
| ROA | 12.7% |
| ROE | 16.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.08M |
| Fixed assets | 21/28 | €50k |
| Tangible fixed assets | 22/27 | €50k |
| Current assets | 29/58 | €1.03M |
| Stocks & contracts in progress | 3 | €135k |
| Amounts receivable within one year | 40/41 | €277k |
| Investments | 50/53 | €250k |
| Cash & bank | 54/58 | €358k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.08M |
| Equity | 10/15 | €831k |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €146k |
| Accumulated profits (losses) | 14 | €624k |
| Amounts payable | 17/49 | €250k |
| Amounts payable within one year | 42/48 | €243k |
| Trade debts payable within one year | 44 | €77k |
| Income statement | ||
| Gross operating margin | 9900 | €197k |
| Operating result | 9901 | €169k |
| Financial income | 75 | €4k |
| Financial charges | 65 | €11k |
| Result before taxes | 9903 | €164k |
| Income taxes | 67/77 | €28k |
| Net result for the period | 9904 | €137k |
| Result to be appropriated | 9905 | €137k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
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.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24320384). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current07-12-2023 → present
-
CLAVANTILegal entityDirector· perm. rep.: CLAESEN Gustaaf Gerard EmileState Gazette act 24320384 (11-01-2024)Current07-12-2023 → present
2 events
- 07-12-2023 Mandate renewed· Director
- 07-12-2023 Appointed· Managing director
-
Current21-11-2017 → present
2 events
- 07-12-2023 Mandate renewed· Director
- 21-11-2017 Mandate renewed· Director
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Clavanti BVBALegal entityDirector· perm. rep.: Gustaaf ClaesenState Gazette act 17162272 (21-11-2017)Not recently confirmedlast confirmed in an act from 2017
2 events
- 21-11-2017 Mandate renewed· Director
- 31-10-2017 Appointed· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Detailhandel in farmaceutische producten(47730) |
| Legal form | Public limited company(014) |
| Incorporation | 04-01-2002 |
| Status | Active |
| Postal code | 3460 |
Structure & network
Connections & network
2 connected companiesGroup structure
Sits on the board · 1 subsidiary · 1 location
Control→
Linked via shared directors
viaCLAESEN Gustaaf Gerard Emile · Permanent representative
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
ASSENTFARMABE 0476.449.350
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Dorpsstraat 83460 BekkevoortEstablishment units
1 locationDorpsstraat 8, 3460 Bekkevoort
since 20022.095.863.657
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,644 m²
Buildings1
Building footprint298 m²
Volume (LiDAR)1,649 m³
Tallest building9.8 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24002F0225/00C002 | Flanders | 1,643 m² | 1 · 298 m² | 9.8 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 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
Belgisch Staatsblad · acts
3 acts All acts · 3
updated 3 months ago
2026
05-05-2026 Officer resignation · General meeting · Act object
- Filing: 2026-04-13 · Assentfarma
- Publication: 2026-05-05 · Assentfarma
- Officer resignation: date: 2025-04-30, role: bestuurder · Vandoninck Romain
- General meeting: date: 2025-04-29, type: Buitengewone Algemene vergadering · Assentfarma
- Act object: Ontslag bestuurder
Summary:
Officer resignation · General meeting · Act object
2024
11-01-2024 1 director appointed, 2 reappointed
- CLAESEN Gustaaf Gerard Emile, Gedelegeerd bestuurder
- CLAESEN Gustaaf Gerard Emile, Bestuurder
- VANDONINCK Romain, Bestuurder
Summary:
v3.2
2017
21-11-2017 1 director appointed, 2 reappointed
- Gustaaf Claesen, Gedelegeerd bestuurder
- Vandoninck Romain, Bestuurder
- Gustaaf Claesen, Bestuurder
Summary:
v3.2
Analysis
Snowflake analysis
financial profile on 5 axes87
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
82
Solvency
100
Growth
52
Stability
100
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 496 of the 5,225 companies in this sector. 303 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Apotheken47730Detailhandel in farmaceutische producten47730Apothekers52310
Primary activity highlighted.
Names & trade names
| Legal nameNL | ASSENTFARMA |
Registered office
Dorpsstraat 8
3460 Bekkevoort, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.