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.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 12 % of short-term debt in 2025; threshold 65 %.
-
Busy address KBO
73 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
PHARMONY from Namur, company number BE0830310102, closed financial year 2025 with a result of € -255,925 after tax. For that financial year PHARMONY recorded a gross margin of € 460,000 and equity of € -4.1 million. Compared with financial year 2024, the result moved from € -348,730 to € -255,925. 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 August 6, 2026.
€ -4.1 million
▼ € 255,925 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -255,925
▲ 27 % less loss than in 2024
Profit after tax over the fiscal year.
€ 21,156
▲ 148% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -4.2 million.
People and assets in 2025
8.6
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 697,376
▲ 8% vs 2024
€ 81,100 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.
€ 330
▼ 73% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.7 million
▼ 7% vs 2024
€ 15,625 is repaid this year. At this pace the long-term loan is gone in ≈ 171 years.
€ 1.5 million
▲ 51% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 143,719
▲ 35% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 381,240 | € 284,062 | € 377,931 | € 460,000 | ▲ 22% |
| Profit after taxes | € -677,651 | € -544,552 | € -348,730 | € -255,925 | ▲ € 92,805 |
| Equity | € -2,925,303 | € -3,469,855 | € -3,818,585 | € -4,074,509 | ▼ € 255,925 |
| Total debts | € 3,075,198 | € 3,696,421 | € 3,968,651 | € 4,301,020 | ▲ 8% |
| Cash | € 34,917 | € 60,729 | € 8,541 | € 21,156 | ▲ 148% |
| Retained profit | € -3,044,315 | € -3,588,868 | € -3,937,597 | € -4,193,522 | ▼ € 255,925 |
| Bank debt | € 2,785,580 | € 2,982,184 | € 2,864,337 | € 2,673,962 | ▼ 7% |
| Balance sheet total | € 149,895 | € 226,566 | € 150,066 | € 226,511 | ▲ 51% |
| Employees (FTE) | 11.9 | 9.2 | 8 | 8.6 | ▲ 0.6 |
Key figures of PHARMONY, 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 PHARMONY?
What happened at PHARMONY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 255,925. filed late Source: NBB ↗
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 677,651 loss in 2022 to € 255,925 loss in 2025.
Paid € 10,555 in corporate taxes since 2022.
On average € 53,500 of value added per employee in 2025.
A new publication or filing at PHARMONY? We notify you, reason included.
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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 PHARMONY are PHARMONY SA and Jamal CHOUJAR.
Directors
According to the 2025 annual accounts
PHARMONY SA
Director
Jamal CHOUJAR
Director
Establishments
Establishment units
Physical locations of this company
Avenue d'Ecolys(RH) 2
5020 Namur
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 73 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Google Workspace
Hosting
OVH, FR
DNS
OVH DNS
Domain
Domain
pharmony.eu
Registrar
OVH SAS
Website info
Features
Security
Network
Details
- Company number
- 0830.310.102
- VAT number
- BE 0830.310.102
- Registered office
- Avenue d'Ecolys(RH) 2, 5020 Namur
- Names & denominations
- PHARMONY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 October 2010
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- pharmony.eu [email protected]
- Activities · NACE
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