PHARMACIE CATRIN
ActivePHARMACIE CATRIN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €617k and a net result of €47k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+17
Solvency87▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.67 in 2024; short-term debt: 29% and cash: 7.1% of total assets), and 38.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
61.8%
Return on assets
4.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
21 d late
2020
4 d early
2019
3 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▲ 526%
2024 · €7k
2019: €45k
2020: €49k
2021: €96k
2022: €143k
2023: €86k
2024: €7k
2019 → 2025
Working capital
€501k▲ 7.9%
2024 · €464k
2019: €152k
2020: €184k
2021: €279k
2022: €399k
2023: €471k
2024: €464k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€333k-€476k▲ 43.1%€562k▲ 18.1%€570k▲ 1.3%€617k▲ 8.2%
Operating result€146k-€194k▲ 32.8%€123k▼ 36.8%€16k▼ 86.7%€68k▲ 320%
Net result€96k-€143k▲ 49.1%€86k▼ 39.9%€7k▼ 91.3%€47k▲ 526%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 320% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €999k
Fixed assets
€208k▼ 2.5%
Current assets
€790k▲ 6.4%
Equity and liabilities €999k
Equity
€617k▲ 8.2%
Debt
€382k▼ 1.2%
The debt ratio falls from 40.4% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €30k
Cash flow
€63k▲
2024 · €22k
Solvency
61.8%▲
2024 · 59.6%
Current ratio
2.73▲
2024 · 2.67
Quick ratio
2.17▲
2024 · 2.00
Debt / equity
0.62▼
2024 · 0.68
ROE
7.6%▲
2024 · 1.3%
ROA
4.7%▲
2024 · 0.8%
Interest coverage
17.09▲
2024 · 4.57
Debt
€382k▼
2024 · €386k
Debt ≤ 1 year
€289k▲
2024 · €278k
Debt > 1 year
€93k▼
2024 · €107k
Income taxes
€17k▲
2024 · €3k
Staff costs
€4k▲
2024 · €2k
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€956k€999k▲
Fixed assets21/28€214k€208k▼
Intangible fixed assets21€34k€27k▼
Tangible fixed assets22/27€180k€182k▲
Land and buildings22€180k€182k▲
Current assets29/58€742k€790k▲
Stocks and contracts in progress3€187k€162k▼
Stocks30/36€187k€162k▼
Amounts receivable within one year40/41€377k€557k▲
Trade receivables40€63k€78k▲
Other amounts receivable41€313k€479k▲
Cash at bank and in hand54/58€179k€71k▼
Deferred charges and accrued income490/1-€133
Equity and liabilities
Total equity and liabilities10/49€956k€999k▲
Equity10/15€570k€617k▲
Contributions10/11€19k€19k=
Reserves13€551k€598k▲
Distributable reserves133€551k€598k▲
Amounts payable17/49€386k€382k▼
Amounts payable after more than one year17€107k€93k▼
Financial debts170/4€107k€93k▼
Amounts payable within one year42/48€278k€289k▲
Current portion of amounts payable after more than one year42€24k€16k▼
Financial debts43-€54k
Other loans439-€54k
Trade debts44€230k€160k▼
Suppliers440/4€230k€160k▼
Taxes, remuneration and social security45€8k€23k▲
Taxes450/3€8k€23k▲
Other amounts payable47/48€16k€36k▲
Accrued charges and deferred income492/3€775-
Income statement
Code20242025
Remuneration, social security and pensions62€2k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€34k€90k▲
Operating profit (loss)9901€16k€68k▲
Financial income75/76B€696€468▼
Recurring financial income75€696€468▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€10k€64k▲
Income taxes67/77€3k€17k▲
Profit (loss) for the period9904€7k€47k▲
Profit (loss) for the period to be appropriated9905€7k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€47k▲
Transfer to equity691/2€7k€47k▲
To other reserves6921€7k€47k▲
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
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €7k ▼91.3%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Equity above €500kEq €562k ▲18.1%
5 profitable years in a row build equity to €562k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Highest result since 2019net €143k ▲49.1%
Operating result €194k, net result €143k, both a record.
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €237k ▲26.4%
2 profitable years in a row build equity to €237k.
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2000
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.
Rue Jean Jaurès 2726020 CharleroiGround area
367 m²
Building footprint
69 m²
Parcel 52016A0225/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Jean Jaurès 272, 6020 Charleroi
since 20002.095.048.164
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52016A0225/00A002 | Wallonia | 367 m² | 1 · 69 m² | - |
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 siteCharleroi2.095.048.164
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APOTHEKER STEVEN VRIJDAG
BE 0817.319.624
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Pharma Invest Devos
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APOTHEEK WOLFS
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Of 5,223 companies in sector 47730 we hold annual accounts for 3,862. 3,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2000
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.