Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
15 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Pharmacie des Croisades from Schaarbeek, company number BE0426479108, closed financial year 2025 with a result of € -342,357 after tax. For that financial year Pharmacie des Croisades recorded a gross margin of € -23,670 and equity of € -782,643. Compared with financial year 2024, the result moved from € -150,446 to € -342,357. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ -782,643
▼ € 342,357 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -342,357
▼ 128 % more loss than in 2024
Profit after tax over the fiscal year.
€ 24,985
▼ 26% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -791,815.
People and assets in 2025
4.1
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 265,275
▲ 9% vs 2024
€ 64,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,014
▼ 89% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 90,552
▼ 34% vs 2024
€ 27,859 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 117,419
▲ 25% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 33,403
▲ 14% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 230,410 | € 249,421 | € 184,967 | € -23,670 | ▼ € 208,637 |
| Profit after taxes | € -182,506 | € -176,654 | € -150,446 | € -342,357 | ▼ € 191,911 |
| Equity | € -113,186 | € -289,840 | € -440,286 | € -782,643 | ▼ € 342,357 |
| Total debts | € 720,084 | € 796,592 | € 798,034 | € 1,554,947 | ▲ 95% |
| Cash | € 86,519 | € 59,289 | € 33,619 | € 24,985 | ▼ 26% |
| Land & buildings | € 550 | € 0 | € 3,523 | € 3,167 | ▼ 10% |
| Retained profit | € -122,358 | € -299,012 | € -449,458 | € -791,815 | ▼ € 342,357 |
| Bank debt | € 225,342 | € 181,125 | € 136,203 | € 90,552 | ▼ 34% |
| Balance sheet total | € 606,898 | € 506,752 | € 357,748 | € 772,304 | ▲ 116% |
| Employees (FTE) | 5.7 | 5.3 | 3.8 | 4.1 | ▲ 0.3 |
Key figures of Pharmacie des Croisades, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Pharmacie des Croisades?
What happened at Pharmacie des Croisades in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 342,357. Source: NBB ↗
- S.P.S. NV became a director. NBB
- New establishment in Schaarbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 182,506 loss in 2022 to € 342,357 loss in 2025.
On average € 48,700 of value added per employee in 2024.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Pharmacie des Croisades is S.P.S. NV. S.P.S. NV is also behind JUMATEX, PHARDEC, APOTHEEK JOCHMANS, PHARMACIE BAUDUIN and PHARMACIE LA BRABANCONNE.
Directors
According to the 2025 annual accounts
Director · represented by Prikken Ludovikus
Also active at: JUMATEX, PHARDEC, APOTHEEK JOCHMANS, PHARMACIE BAUDUIN, PHARMACIE LA BRABANCONNE
since 2023
Establishments
Establishment units
Physical locations of this company
Vooruitgangstraat 76
1030 Schaarbeek
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 15 companies are registered at this address.
All companies at this address →UP 4 NORTH
AM 51N4E - Lacaton Vassal
SEGLYNE
€ -53,821 gross margin · 2023
51N4E - HOLDING
€ 46,025 gross margin · 2025
51N4E Acte
€ 76,468 gross margin · 2025
+10 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0426.479.108
- VAT number
- BE 0426.479.108
- Registered office
- Vooruitgangstraat 76, 1030 Schaarbeek
- Names & denominations
- Pharmacie des Croisades
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 November 1984
- Peppol
- Active · Active since 4 Jul 2025
- Activities · NACE
Apothekers
Detailhandel in farmaceutische producten