PHARMACIE VAN TOMME
ActiveSummary
PHARMACIE VAN TOMME has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €420k and a net result of €35k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 61% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-1
Solvency67▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.73 in 2023; short-term debt: 28.1% and cash: 18.4% of total assets), but 57.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
27 d early
2022
28 d early
2021
18 d early
2020
82 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€35k▼ 26.6%
2023 · €48k
2018: €53k
2019: €33k
2020: €51k
2021: €131k
2022: €47k
2023: €48k
2018 → 2024
Working capital
€278k▲ 45.1%
2023 · €192k
2018: €239k
2019: €271k
2020: €239k
2021: €287k
2022: €304k
2023: €192k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€400k-€461k▲ 15.3%€474k▲ 2.7%€470k▼ 0.8%€420k▼ 10.7%
Operating result€73k-€170k▲ 132%€75k▼ 55.9%€77k▲ 2.5%€66k▼ 14.2%
Net result€51k-€131k▲ 156%€47k▼ 63.9%€48k▲ 1.7%€35k▼ 26.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €990k
Fixed assets
€433k ▼ 27.3%
Current assets
€557k ▲ 22.1%
Equity and liabilities €990k
Equity
€420k ▼ 10.7%
Debt
€571k ▼ 2.0%
Debt's share of the balance-sheet total rises from 55.3% to 57.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€107k▼
2023 · €118k
Cash flow
€76k▼
2023 · €89k
Current ratio
2.00▲
2023 · 1.73
Quick ratio
1.43▲
2023 · 1.13
Debt to equity
1.36▲
2023 · 1.24
ROE
8.4%▼
2023 · 10.3%
ROA
3.6%▼
2023 · 4.6%
Interest coverage
6.05▼
2023 · 11.41
Debt ≤ 1 year
€279k▲
2023 · €264k
Debt > 1 year
€292k▼
2023 · €318k
Income taxes
€14k▼
2023 · €19k
Staff costs
€45k▼
2023 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.05M€990k▼
Fixed assets21/28€596k€433k▼
Tangible fixed assets22/27€474k€433k▼
Land and buildings22€63k€58k▼
Plant, machinery and equipment23€403k€370k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€122k-
Current assets29/58€456k€557k▲
Stocks and contracts in progress3€159k€160k▲
Stocks30/36€159k€160k▲
Amounts receivable within one year40/41€102k€95k▼
Trade receivables40€89k€89k▼
Other amounts receivable41€13k€6k▼
Current investments50/53€25k€115k▲
Cash at bank and in hand54/58€165k€182k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.05M€990k▼
Equity10/15€470k€420k▼
Contributions10/11€112k€62k▼
Capital10€112k€62k▼
Issued capital100€112k€62k▼
Reserves13€352k€349k▼
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Distributable reserves133€341k€338k▼
Profit (loss) carried forward14€6k€9k▲
Amounts payable17/49€582k€571k▼
Amounts payable after more than one year17€318k€292k▼
Financial debts170/4€318k€292k▼
Amounts payable within one year42/48€264k€279k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Trade debts44€63k€63k▲
Suppliers440/4€63k€63k▲
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€166k€177k▲
Income statement
Code20232024
Remuneration, social security and pensions62€48k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€41k▼
Other operating charges640/8€6k-
Gross operating margin9900€173k€152k▼
Operating profit (loss)9901€77k€66k▼
Financial income75/76B€985€845▼
Recurring financial income75€985€845▼
Financial charges65/66B€10k€18k▲
Recurring financial charges65€10k€18k▲
Profit (loss) for the period before taxes9903€68k€49k▼
Income taxes67/77€19k€14k▼
Profit (loss) for the period9904€48k€35k▼
Profit (loss) for the period to be appropriated9905€48k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€42k▼
Profit (loss) brought forward from the previous period14P€8k€6k▼
Transfer from equity791/2€52k€33k▼
Transfer to equity691/2€50k€30k▼
To other reserves6921€50k€30k▼
Profit to be distributed694/7€52k€36k▼
Return on contributions (dividend)694€52k€36k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €131k ▲156%
Operating result €170k, net result €131k, both a record.
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €33k ▼37.9%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tournai · 1 establishment unit since 2001
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.
Chaussée de Lille(TOU) 2157500 TournaiGround area
598 m²
Building footprint
58 m²
Volume, LiDAR
537 m³
Parcel 57463L0409/00G000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PHARMACIE VAN TOMME
since 20012.097.993.402
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57463L0409/00G000 | Wallonia | 597 m² | 1 · 58 m² | 10.6 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.
Similar companies · same sector, comparable size
APOTHEEK VANDEVELDE
BE 0889.943.623
Oudenburg · Eq €419,617
Apotheek Peeters Herent
BE 0459.349.933
Herent · Eq €419,771
PHARMACIE CASTRIQUE
BE 0433.926.728
Comines-Warneton · Eq €419,771
APOTHEEK VANDENBOSCH C.
BE 0866.987.285
Leuven · Eq €419,940
Cité-Farma
BE 0414.311.942
Heusden-Zolder · Eq €420,034
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,421 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.