Active BE 0875.221.694Private limited company

PHARMA JACK

Rue des Preys 84 ·6061 Charleroi, Belgium· 21 yrs active

Sector: Detailhandel in farmaceutische producten (47730)

Conclusion Checked

The computed 12-month bankruptcy probability of PHARMA JACK is 0.7% (low). The 2025 annual accounts show equity of €56k and a net result of €50k. The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€56k
Net result	€50k
Staff (FTE)	4.5
Active	21 yrs

Financial profile 4 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 63

Profitability 100

Solvency 24

Growth -

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Higher-failure-rate region +

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2005, 21 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 Flags0 events

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.

Health barometer FY 2025 · computed

63 / 100 Healthy

050100

Computed from 4 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.

Financial overview20 NBB filings

Annual accounts filed on 13-08-2026 with the NBB · fiscal year 2025 · verkort

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€126k
Net profit	€50k
Cash flow	€90k
Staff costs	€249k
Income taxes	€23k
Dividends	€70k
Total assets	€604k
Equity	€56k
Debt	€549k
of which ≤ 1y	€310k
of which > 1y	€236k
Working capital	€97k
Employees (FTE)	4.5

Ratios (computed)

	2025
Current ratio	1.31
Quick ratio	0.80
Working capital ratio	16.0%
Solvency	9.2%
Debt / equity	9.89
Long-term debt ratio	4.25
Interest coverage	9.28
Gross margin	-
Net margin	-
ROA	8.3%
ROE	90.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €198k · 32.8% Current assets €406k · 67.3%

Equity & liabilities

Equity €56k · 9.2% Debt €549k · 90.8%

Full annual accounts (23 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€604k
Fixed assets	21/28	€198k
Tangible fixed assets	22/27	€198k
Current assets	29/58	€406k
Stocks & contracts in progress	3	€159k
Amounts receivable within one year	40/41	€148k
Cash & bank	54/58	€99k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€604k
Equity	10/15	€56k
Contributions / capital	10/11	€100
Reserves	13	€55k
Amounts payable	17/49	€549k
Amounts payable after one year	17	€236k
Amounts payable within one year	42/48	€310k
Trade debts payable within one year	44	€119k
Income statement
Gross operating margin	9900	€376k
Operating result	9901	€86k
Financial income	75	€206
Financial charges	65	€14k
Result before taxes	9903	€73k
Income taxes	67/77	€23k
Net result for the period	9904	€50k
Result to be appropriated	9905	€50k

Ratios computed by Checked.

Directors & mandates 6 directors

Directors derived from a single State Gazette act, under verification

All 6 current directors first appear in the same act (22382305). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

CRETS Sophie Paule Louise
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present
FRATEUR Damien Marie Léon Joseph
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present
JACQUET Arnaud Pierre Pol
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present
JACQUET Florence Thérèse Marthe Ghislaine
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present
JACQUET Thibaut Robert André Ghislain
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present
SANDERMANS Anne Sophie Véronique Aline Ghislaine
Managing director
State Gazette act 22382305 (15-12-2022)

Current
15-12-2022 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Detailhandel in farmaceutische producten(47730)
Legal form	Private limited company(610)
Incorporation	22-07-2005
Status	Active
Postal code	6061

Establishment units 1 location

ESPACE 84 / BeYouTiful

Rue des Preys 84, 6061 CharleroiBemiddelingsactiviteiten in verband met goederenvervoer

since 20052.148.270.282

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

Real-estate footprint Source: CBE × cadastre

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52049C0579/00V004indicative	Wallonia	265 m²	1 · 52 m²	10.3 m · 3 fl.

Methodology

via registered seat: 1

0 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

13-08-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

29-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

23-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

2023

30-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

15-12-2022

State Gazette act Director changes

Bernard LEMAIGRE

23-09-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

2021

30-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · volledig

2020

27-08-2020

NBB filing Annual accounts filed

fiscal year 2019 · volledig

2019

02-09-2019

NBB filing Annual accounts filed

fiscal year 2018 · volledig

2018

29-06-2018

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2017

07-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · volledig

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 3 years ago

2022

15-12-2022 6 directors appointed Director changes·Bernard LEMAIGRE

JACQUET Arnaud Pierre Pol, Gedelegeerd bestuurder
SANDERMANS Anne Sophie Véronique Aline Ghislaine, Gedelegeerd bestuurder
JACQUET Thibaut Robert André Ghislain, Gedelegeerd bestuurder
CRETS Sophie Paule Louise, Gedelegeerd bestuurder
FRATEUR Damien Marie Léon Joseph, Gedelegeerd bestuurder
JACQUET Florence Thérèse Marthe Ghislaine, Gedelegeerd bestuurder

Notary: Bernard LEMAIGRE · Montignies-sur-Sambre

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in farmaceutische producten47730Apothekers52310Detailhandel in cosmetica en toiletartikelen47750Beroepsopleiding85592Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995Schoonheidsverzorging96022Sauna's, solaria, baden enz.96040Schoonheidsverzorging en andere schoonheidsbehandelingen96220Activiteiten van kuuroorden, sauna’s en stoombaden96230

Primary activity highlighted.

Names & trade names

Legal nameFR

PHARMA JACK

Registered office

Rue des Preys 84

6061 Charleroi, Belgium

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

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