100% Pol

Active

Private limited companyfounded 20215 yrs activeChemin du Dieu Amant 1, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 0766.935.547

Summary

The computed 12-month bankruptcy probability of 100% Pol is 2.0% (moderate). The 2025 annual accounts show equity of €8,207 and a net result of -€79. Equity is shrinking by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 11508 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysis Watch Report Compare

100% PolActiveChecked score 56/100

Risk analysis Report Compare

Checked score

Score 2025

56 / 100

Fair

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability68▲+68

Solvency73▲+13

Growth32=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Wholesale trade (NACE 46)

about 21% more bankruptcies

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

47.6%

Return on assets

-0.5%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

65 d early

2024

29 d early

2023

71 d early

2022

39 d early

2021

44 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 50 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 17 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

29-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

On 20 April 2021, 100% Pol was incorporated as a Private limited company.¹ Total assets went from EUR 39,242 in 2021 to EUR 17,241 in 2025.²

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity

€8,207▼ 1.0%

2024 · €8,286

Total assets

€17,241▼ 27.4%

2024 · €23,748

Net result

-€79▲ 98.2%

2024 · -€4,488

Working capital

€6,060▲ 18.9%

2024 · €5,098

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result€2,264-€20,111▲ 788%-€18,813-€4,262▲ 77.3%€14

Net result€1,479-€15,593▲ 954%-€19,297-€4,488▲ 76.7%-€79▲ 98.2%

Equity€16,479-€32,072▲ 94.6%€12,775▼ 60.2%€8,286▼ 35.1%€8,207▼ 1.0%

Total assets€39,242-€61,170▲ 55.9%€33,823▼ 44.7%€23,748▼ 29.8%€17,241▼ 27.4%

Debt€22,763-€29,099▲ 27.8%€21,048▼ 27.7%€15,462▼ 26.5%€9,034▼ 41.6%

Working capital€12,331-€28,308▲ 130%€9,331▼ 67.0%€5,098▼ 45.4%€6,060▲ 18.9%

Solvency42.0%-52.4%▲ 10.4pp37.8%▼ 14.7pp34.9%▼ 2.9pp47.6%▲ 12.7pp

Current ratio2.17-2.41▲ 0.241.61▼ 0.801.39▼ 0.221.67▲ 0.28

Return on assets (ROA)3.8%-25.5%▲ 21.7pp-57.1%▼ 82.5pp-18.9%▲ 38.2pp-0.5%▲ 18.4pp

above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €14 after a loss of €4,262 in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €17,241

12.5%

87.5%

Fixed assets €2,147 ▼ 62.4%

Current assets €15,094 ▼ 16.3%

Equity and liabilities €17,241

47.6%

52.4%

Equity €8,207 ▼ 1.0%

Debt €9,034 ▼ 41.6%

Debt's share of the balance-sheet total falls from 65.1% to 52.4%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€3,576▲

2024 · -€700

Cash flow

€3,483▲

2024 · -€926

Quick ratio

0.61▼

2024 · 0.80

Debt to equity

1.10▼

2024 · 1.87

ROE

-1.0%▲

2024 · -54.2%

Interest coverage

38.44▲

2024 · -3.09

Debt ≤ 1 year

€9,034▼

2024 · €12,940

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.

Micro
5 to 10 years old
solvency 30% or more
a small loss

2.3% went bankrupt

7.5% stopped otherwise

90% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%	1.0%
6	1.3%	1.5%
7	1.6%	1.8%
8	1.8%	1.9%
9	3.0%	3.1%
10	5.6%	6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,441 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines

Balance sheet Code20242025

Assets

Total assets20/58€23,748€17,241▼

Fixed assets21/28€5,709€2,147▼

Tangible fixed assets22/27€5,709€2,147▼

Furniture and vehicles24€5,709€2,147▼

Current assets29/58€18,039€15,094▼

Stocks and contracts in progress3€7,644€9,612▲

Stocks30/36€7,644€9,612▲

Amounts receivable within one year40/41€5,563€4,400▼

Trade receivables40€5,078€2,881▼

Other amounts receivable41€485€1,519▲

Cash at bank and in hand54/58€4,487€555▼

Deferred charges and accrued income490/1€345€527▲

Equity and liabilities

Total equity and liabilities10/49€23,748€17,241▼

Equity10/15€8,286€8,207▼

Contributions10/11€15,000€15,000=

Profit (loss) carried forward14-€6,714-€6,793▼

Amounts payable17/49€15,462€9,034▼

Amounts payable after more than one year17€2,521-

Financial debts170/4€2,521-

Amounts payable within one year42/48€12,940€9,034▼

Current portion of amounts payable after more than one year42€3,306€2,521▼

Trade debts44€675€286▼

Suppliers440/4€675€286▼

Other amounts payable47/48€8,959€6,226▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,562€3,562=

Other operating charges640/8€545€1,842▲

Gross operating margin9900-€155€5,418▲

Operating profit (loss)9901-€4,262€14▲

Financial income75/76B€1-

Recurring financial income75€1-

Financial charges65/66B€227€93▼

Recurring financial charges65€227€93▼

Profit (loss) for the period before taxes9903-€4,488-€79▲

Profit (loss) for the period9904-€4,488-€79▲

Profit (loss) for the period to be appropriated9905-€4,488-€79▲

Appropriation of the result

Profit (loss) to be appropriated9906-€6,714-€6,793▼

Profit (loss) brought forward from the previous period14P-€2,225-€6,714▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€2,691	€3,562	€3,562	€3,562	€3,562	=
Other operating charges640/8	€412	€575	€1,910	€545	€1,842	▲ 238%
Gross operating margin9900	€5,366	€24,248	-€13,341	-€155	€5,418	▲ 3,597%
Operating profit (loss)9901	€2,264	€20,111	-€18,813	-€4,262	€14	▲ 100%
Financial income75/76B	€4	€37	€10	€1	-	-
Recurring financial income75	€4	€37	€10	€1	-	-
Financial charges65/66B	€397	€682	€494	€227	€93	▼ 59.0%
Recurring financial charges65	€397	€682	€494	€227	€93	▼ 59.0%
Profit (loss) for the period before taxes9903	€1,870	€19,465	-€19,297	-€4,488	-€79	▲ 98.2%
Income taxes67/77	€391	€3,873	-	-	-	-
Profit (loss) for the period9904	€1,479	€15,593	-€19,297	-€4,488	-€79	▲ 98.2%
Profit (loss) for the period to be appropriated9905	€1,479	€15,593	-€19,297	-€4,488	-€79	▲ 98.2%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€39,242	€61,170	€33,823	€23,748	€17,241	▼ 27.4%
Fixed assets21/28	€16,395	€12,833	€9,271	€5,709	€2,147	▼ 62.4%
Tangible fixed assets22/27	€16,395	€12,833	€9,271	€5,709	€2,147	▼ 62.4%
Furniture and vehicles24	€16,395	€12,833	€9,271	€5,709	€2,147	▼ 62.4%
Current assets29/58	€22,847	€48,337	€24,552	€18,039	€15,094	▼ 16.3%
Stocks and contracts in progress3	€4,640	€10,500	€8,135	€7,644	€9,612	▲ 25.7%
Stocks30/36	€4,640	€10,500	€8,135	€7,644	€9,612	▲ 25.7%
Amounts receivable within one year40/41	€3,090	€30,572	€10,309	€5,563	€4,400	▼ 20.9%
Trade receivables40	€2,959	€30,572	€10,309	€5,078	€2,881	▼ 43.3%
Other amounts receivable41	€131	-	-	€485	€1,519	▲ 213%
Cash at bank and in hand54/58	€13,830	€5,583	€5,781	€4,487	€555	▼ 87.6%
Deferred charges and accrued income490/1	€1,286	€1,682	€326	€345	€527	▲ 53.1%
Equity and liabilities
Total equity and liabilities10/49	€39,242	€61,170	€33,823	€23,748	€17,241	▼ 27.4%
Equity10/15	€16,479	€32,072	€12,775	€8,286	€8,207	▼ 1.0%
Contributions10/11	€15,000	€15,000	€15,000	€15,000	€15,000	=
Reserves13	€1,479	€17,072	-	-	-	-
Distributable reserves133	€1,479	€17,072	-	-	-	-
Profit (loss) carried forward14	-	-	-€2,225	-€6,714	-€6,793	▼ 1.2%
Amounts payable17/49	€22,763	€29,099	€21,048	€15,462	€9,034	▼ 41.6%
Amounts payable after more than one year17	€12,247	€9,070	€5,827	€2,521	-	-
Financial debts170/4	€12,247	€9,070	€5,827	€2,521	-	-
Amounts payable within one year42/48	€10,516	€20,029	€15,221	€12,940	€9,034	▼ 30.2%
Current portion of amounts payable after more than one year42	€2,866	€3,177	€3,243	€3,306	€2,521	▼ 23.7%
Trade debts44	€2,342	€7,528	€1,824	€675	€286	▼ 57.6%
Suppliers440/4	€2,342	€7,528	€1,824	€675	€286	▼ 57.6%
Taxes, remuneration and social security45	€391	€8,714	€3,890	-	-	-
Taxes450/3	€391	€8,714	€3,890	-	-	-
Other amounts payable47/48	€4,916	€610	€6,264	€8,959	€6,226	▼ 30.5%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€1,479	€15,593	-€19,297	-€4,488	-€79	▲ 98.2%
+ Depreciation and write-downs630	€2,691	€3,562	€3,562	€3,562	€3,562	=
Operating cash flow (approximation)	€4,170	€19,155	-€15,735	-€926	€3,483	▲ 476%
Investment in fixed assets (approximation)	-	€0	€0	€0	€0	-
Change in cash	-	-€8,247	€198	-€1,294	-€3,932	▼ 204%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

02-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

21-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet -€19,297

Net result drops to -€19,297, the lowest in the series; recovery starts the following year.

22-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2021net €15,593 ▲954%

Operating result €20,111, net result €15,593, both a record.

17-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors

1 act for this company is 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, Chaumont-Gistoux · 1 establishment unit since 2021

seat establishment The establishment unit on the map

Ground area

2,327 m²

Building footprint

164 m²

Volume, LiDAR

1,100 m³

Parcel 25018F0229/00D000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

4 companies at this address See who is registered here

1 establishment unit

100% Pol

Chemin du Dieu Amant 1, 1325 Chaumont-GistouxWholesale of wines and spirits

since 20212.316.271.116

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25018F0229/00D000	Wallonia	2,327 m²	1 · 164 m²	8.5 m · 2 fl.

Linked by address, not proof of ownership

Good to know

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Chaumont-Gistoux2.316.271.116

2 permissions

Ambulante detailhandel LM>3 maand · since 09-05-2022

Groothandelaar LM>3 maand · since 01-01-2022

Similar companies · same sector, comparable size

NESTOR

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Of 1,049 companies in sector 46341 we hold annual accounts for 538. 229 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded20-04-2021

Fiscal year end31-12

Activities, NACEBEL 2025

46341Wholesale of wines and spirits

47251Retail sale of wines and spirits

E-invoicing

Reachable via Peppol

Peppol ID 0208:0766935547

Also 9925:BE0766935547

Registered 15-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Scores and ratios are computed by Checked and are not a credit decision.