PHARMACOACH
ActivePHARMACOACH has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €22k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+33
Solvency67▼-4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 4.14 in 2024), but 71.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
28.7%
Return on assets
3.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
8 d early
2023
on the day
2022
3 d early
2021
26 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k▲ 97.1%
2024 · €11k
2018: €-3k
2019: €64k
2020: €-2k
2021: €3k
2022: €60k
2023: €36k
2024: €11k
2018 → 2025
Working capital
€349k▼ 4.2%
2024 · €365k
2018: €170
2019: €16k
2020: €19k
2021: €10k
2022: €65k
2023: €349k
2024: €365k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€133k▲ 71.9%€169k▲ 26.9%€180k▲ 6.8%€172k▼ 4.2%
Operating result€11k-€88k▲ 728%€59k▼ 33.2%€39k▼ 33.6%€49k▲ 24.3%
Net result€3k-€60k▲ 1,698%€36k▼ 40.7%€11k▼ 68.1%€22k▲ 97.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €601k
Fixed assets
€98k▼ 0.5%
Current assets
€503k▲ 4.6%
Equity and liabilities €601k
Equity
€172k▼ 4.2%
Debt
€429k▲ 7.3%
The debt ratio rises from 68.9% to 71.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€50k▲
2024 · €40k
Cash flow
€24k▲
2024 · €12k
Solvency
28.7%▼
2024 · 31.1%
Current ratio
3.28▼
2024 · 4.14
Quick ratio
3.28▼
2024 · 4.14
Debt / equity
2.49▲
2024 · 2.22
ROE
13.0%▲
2024 · 6.3%
ROA
3.7%▲
2024 · 2.0%
Interest coverage
3.72▲
2024 · 2.62
Debt
€429k▲
2024 · €399k
Debt ≤ 1 year
€154k▲
2024 · €116k
Debt > 1 year
€275k▼
2024 · €283k
Income taxes
€13k▲
2024 · €12k
Staff costs
€183k▼
2024 · €197k
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€579k€601k▲
Fixed assets21/28€99k€98k▼
Tangible fixed assets22/27€43k€43k▼
Land and buildings22€41k€41k=
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€55k€55k=
Current assets29/58€481k€503k▲
Amounts receivable after more than one year29€317k€300k▼
Other amounts receivable291€317k€300k▼
Amounts receivable within one year40/41€163k€152k▼
Trade receivables40€162k€152k▼
Other amounts receivable41€244€244=
Cash at bank and in hand54/58€79€50k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€579k€601k▲
Equity10/15€180k€172k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€160k€152k▼
Amounts payable17/49€399k€429k▲
Amounts payable after more than one year17€283k€275k▼
Financial debts170/4€283k€275k▼
Amounts payable within one year42/48€116k€154k▲
Current portion of amounts payable after more than one year42€12k€9k▼
Financial debts43€260€0▼
Credit institutions430/8€260€0▼
Trade debts44€37k€44k▲
Suppliers440/4€37k€44k▲
Taxes, remuneration and social security45€38k€48k▲
Taxes450/3€9k€24k▲
Remuneration and social security454/9€29k€24k▼
Other amounts payable47/48€30k€53k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€197k€183k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€762€1k▲
Other operating charges640/8€338€949▲
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€243k€233k▼
Operating profit (loss)9901€39k€49k▲
Financial income75/76B€2€108▲
Recurring financial income75€2€108▲
Financial charges65/66B€15k€13k▼
Recurring financial charges65€15k€13k▼
Profit (loss) for the period before taxes9903€24k€35k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€11k€22k▲
Profit (loss) for the period to be appropriated9905€11k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€160k€182k▲
Profit (loss) brought forward from the previous period14P€148k€160k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
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
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 4.03
Current ratio from 1.58 to 4.03.
30-09
Financial
Equity above €150kEq €169k ▲26.9%
3 profitable years in a row build equity to €169k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Equity above €100kEq €133k ▲71.9%
2 profitable years in a row build equity to €133k.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
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, Chièvres · 1 establishment unit since 2015
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 de l'Eglise 487950 ChièvresGround area
1,252 m²
Building footprint
265 m²
Volume, LiDAR
1,957 m³
Parcel 51034B0490/00K000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pharmacoach
since 20152.249.068.724
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51034B0490/00K000 | Wallonia | 1,252 m² | 1 · 265 m² | 9.4 m · 2 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.
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MOMENTUM ADVIES
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365 SHERPAS BRUSSELS
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MONIQUE MARIAME
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2015
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.