Equity
€62,226 from €347,736 in 2021
Equity fell by 82% in 5 years.
POLIVALENT
Lifetime
18 annual accounts with figures on one time axispeak €235,150 (2022)
€147,664▲ 11.8%
peak €125,184 (2023)
€30,974▲ 9.1%
peak €347,736 (2021)
€62,226▲ 99.1%
€227,267▲ 2.0%
peak 2.1 FTE (2020)
-not published
Board4 names since 2021
2 directorsBeaver Management and 1 other
Documentsfilings and deeds
02-10-202629 days before the deadline
2026micro format
Equity from €31,252 to €62,226Cash from €101,455 to €48,103
Key points
from the 2026 annual accountsTurnover
≈ €260,000 estimated
The accounts state no turnover.
Debts
€227,267 79% of the balance sheet
Suppliers 95%Taxes and wages 5%
Staff
2 employees on 31-03-2026
In 2026, 1 person joined and nobody left.
Filings
18 annual accounts since 2008
The last five annual accounts were filed 26 to 114 days before the end of the period.
Position in the sector
€147,664
Higher gross margin than 80% of companies in real estate. Sector median €51,634 · 474 companies.
Checked score
93
Excellent
Financially stronger than 51% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.3%▼ -0.1 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.5%▲ +0.2 percentage points vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025
10-2025: 0.9%▲ +0.3 percentage points vs 09-2025highest value
11-2025: 0.8%▼ -0.1 percentage points vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.4%▼ -0.4 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.1%▼ -0.3 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
lowers risk
Size: total assets €289,493
Liquidity: current ratio 1.27, cash €48,103, halved
Founded in 2007
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 41% of them on solvency, 21% on liquidity, 51% on profitability and 91% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,053 companies had the same profile as POLIVALENT has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of POLIVALENT itself is lower: 0.1% within 12 months. It rests on far more data about POLIVALENT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,053 companies, not a prediction for POLIVALENT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.27 (1.19 in 2025), below the usual 1.5. Short-term debt is 78.5% and cash 16.6% of total assets. 78.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1819202122232526
2018 to 2026 · latest year €62,226
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 02-10-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
29 days early
2025
28 days early
2023
114 days early
2022
28 days early
2021
26 days early
2020
33 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 42 days before the deadline. In the sector (NACE 68), the median for financial year 2023 was 5 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Amendment of the articles
General meeting of 21-05-2024 · Gazette deed
Registered office moved from Brussels to Woluwe-Saint-Lambert
New registered office: Rue de Bretagne, 24 1200 Woluwe-Saint-Lambert · Previous registered office: Rue du Noyer 296, 1030 Bruxelles · Resignation: Valentine GEVERS (director) · General meeting of 12-03-2024 · Gazette deed
Resignation: François Sanchez (daily management delegate)
General meeting of 10-01-2022 · Gazette deed
Appointment: François Sanchez (daily management delegate)
General meeting of 15-06-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| POLIVALENT Woluwe-Saint-Lambert | €289,493 | €147,664 | 21.5% | - |
| IMMO UNIVERSITE Ixelles | €272,858 | €144,680 | 3.5% | - |
| JOHAN Brussels | €291,610 | €161,520 | -14.1% | - |
| MULTIDISCI Watermael-Boitsfort | €340,514 | €132,251 | 47.2% | - |
| CAP SUD BRUXELLES Etterbeek | €354,921 | €173,554 | 49.2% | - |
| NOUVEAUX ETABLISSEMENTS DELCHEVALERIE IMMOBILIER Berchem-Sainte-Agathe | €367,010 | €168,356 | 65.8% | - |
| Cabinet PMI Group Seraing | €285,577 | €147,041 | -58.2% | - |
These companies have the same main activity as POLIVALENT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €273,000 and €367,000, founded between 2005 and 2009.
Official details
Source: KBO- Status
- Active since 31-07-2007Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 3 others
- Establishment unit
- 2.164.936.1691200 Woluwe-Saint-Lambert, since 13-09-2007
- Financial year end
- 31 March
- Peppol
- Reachable
Annual accounts to 31-03-2026
- €289,493▲ 13.9%
- Employeeson 31-03-2026
- 2▲ 100%
- Filing
- Filed on 02-10-2026, 29 days before the end of the filing period
Insights on POLIVALENT
POLIVALENT files the micro format. That format states no turnover. The gross margin rose from €22,140 in 2008 to €147,664 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about POLIVALENT
- What is the company number of POLIVALENT?
- The company number of POLIVALENT is 0891.172.553. The VAT number is the same number with BE in front: BE 0891.172.553.
- Where is POLIVALENT based?
- The registered office is at Bretagnestraat 24, 1200 Woluwe-Saint-Lambert.Company details
- What does POLIVALENT do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of POLIVALENT?
- POLIVALENT is a private limited company (BV).
- When was POLIVALENT founded?
- POLIVALENT was founded on 31-07-2007.
- Is POLIVALENT still active?
- Yes, POLIVALENT is an active enterprise in the KBO register.
- How many employees does POLIVALENT have?
- POLIVALENT had an average of 2 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
- What is the turnover of POLIVALENT?
- The turnover in financial year 2026 is ≈ €260,000. This figure is estimated from the gross margin of €147,664 and 32 comparable companies (NACE 68310). It probably lies between €210,000 and €400,000. In financial year 2025 turnover was €582,093.
- Is POLIVALENT profitable?
- In financial year 2026, POLIVALENT made a profit of €30,974.
- Where can I find the annual accounts of POLIVALENT?
- POLIVALENT filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of POLIVALENT due?
- POLIVALENT must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.