Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
PHARMA FINANCE from Keerbergen, company number BE0462292102, closed financial year 2024 with a result of € -97,554 after tax. For that financial year PHARMA FINANCE recorded a gross margin of € 147,868 and equity of € 2.2 million. Compared with financial year 2023, the result moved from € -136,937 to € -97,554. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2025.
€ 2.2 million
▼ 4% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -97,554
▲ 29 % less loss than in 2023
Profit after tax over the fiscal year.
€ 20,286
▼ 18% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2.2 million.
Debts at end 2024
€ 1.4 million
€ 25,398 is repaid this year. At this pace the long-term loan is gone in ≈ 55 years.
€ 7,517
▲ 58% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 22,962
▲ 1% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 4,528 | € 11,667 | € 119,785 | € 147,868 | ▲ 23% |
| Profit after taxes | € -200,206 | € -197,836 | € -136,937 | € -97,554 | ▲ € 39,384 |
| Equity | € 2,622,166 | € 2,424,330 | € 2,287,393 | € 2,189,839 | ▼ 4% |
| Total debts | € 4,375,914 | € 4,008,267 | € 3,735,070 | € 3,687,970 | ▼ 1% |
| Cash | € 635,121 | € 308,316 | € 24,691 | € 20,286 | ▼ 18% |
| Land & buildings | € 4,713,292 | € 4,484,122 | € 4,383,976 | € 4,253,384 | ▼ 3% |
| Retained profit | € 2,603,566 | € 2,405,730 | € 2,268,793 | € 2,171,239 | ▼ 4% |
| Bank debt | € 2,371,972 | € 2,347,480 | € 1,396,884 | € 1,393,597 | |
| Balance sheet total | € 6,998,080 | € 6,432,598 | € 6,022,463 | € 5,877,809 | ▼ 2% |
Key figures of PHARMA FINANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to PHARMA FINANCE?
What happened at PHARMA FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 97,554. filed late Source: NBB ↗
- New establishment in Tremelo. KBO
- Start of the company according to the CBE. KBO
In short
From € 200,206 loss in 2021 to € 97,554 loss 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
The stake of PREMIUM INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PHARMA FINANCEBehind PHARMA FINANCE is Premium Invest NV. The shares are held by PREMIUM INVEST (100%). It owns 100% of Bapo itself.
Directors
According to the 2024 annual accounts
Director · represented by Max Luca
Shareholders
100%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Mereldreef 37
3140 Keerbergen
Remerstraat 22
3128 Tremelo
Active since 27 February 2002
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0462.292.102
- VAT number
- BE 0462.292.102
- Registered office
- Mereldreef 37, 3140 Keerbergen
- Names & denominations
- PHARMA FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1997
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Activiteiten van holdings
Ontwikkeling van residentiële bouwprojecten
Holdings