B. POLOME
ActiveB. POLOME has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €863k. Equity is growing by ~33.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+47
Solvency67▲+36
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 6.97 against 1.14 in 2024; short-term debt: 6.7% and cash: 0.3% of total assets), but 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.7%
Return on assets
33.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
on the day
2023
19 d late
2022
12 d early
2021
52 d early
2020
65 d early
2019
33 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€863k▲ 1,037%
2024 · €76k
2018: €2k
2019: €27k
2020: €82k
2021: €17k
2022: €105k
2023: €49k
2024: €76k
2018 → 2025
Working capital
€1.02M▲ 429%
2024 · €192k
2018: €82k
2019: €102k
2020: €186k
2021: €68k
2022: €229k
2023: €233k
2024: €192k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€252k▲ 71.0%€301k▲ 19.5%€197k▼ 34.6%€1.06M▲ 439%
Operating result€26k-€160k▲ 503%€143k▼ 10.5%€199k▲ 39.3%€1.18M▲ 494%
Net result€17k-€105k▲ 527%€49k▼ 53.1%€76k▲ 54.9%€863k▲ 1,037%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 494% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€1.36M▼ 11.1%
Current assets
€1.19M▼ 25.4%
Equity and liabilities €2.54M
Equity
€1.06M▲ 439%
Debt
€1.48M▼ 49.2%
The debt ratio falls from 93.7% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.31M▲
2024 · €344k
Cash flow
€993k▲
2024 · €221k
Solvency
41.7%▲
2024 · 6.3%
Current ratio
6.97▲
2024 · 1.14
Quick ratio
6.97▲
2024 · 0.21
Debt / equity
1.40▼
2024 · 14.85
ROE
81.5%▲
2024 · 38.6%
ROA
33.9%▲
2024 · 2.4%
Interest coverage
39.71▲
2024 · 3.69
Debt
€1.48M▼
2024 · €2.92M
Debt ≤ 1 year
€170k▼
2024 · €1.40M
Debt > 1 year
€1.31M▼
2024 · €1.50M
Income taxes
€285k▲
2024 · €30k
Staff costs
€2k▼
2024 · €337k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.12M€2.54M▼
Fixed assets21/28€1.53M€1.36M▼
Intangible fixed assets21€21k€191▼
Tangible fixed assets22/27€1.50M€1.36M▼
Land and buildings22€1.42M€1.31M▼
Plant, machinery and equipment23€20k€0▼
Furniture and vehicles24€59k€41k▼
Other tangible fixed assets26€1k€7k▲
Current assets29/58€1.59M€1.19M▼
Amounts receivable after more than one year29-€1.10M
Other amounts receivable291-€1.10M
Stocks and contracts in progress3€1.30M€0▼
Stocks30/36€1.30M€0▼
Amounts receivable within one year40/41€89k€77k▼
Trade receivables40€85k€76k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€138k€8k▼
Deferred charges and accrued income490/1€62k€2k▼
Equity and liabilities
Total equity and liabilities10/49€3.12M€2.54M▼
Equity10/15€197k€1.06M▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€175k€1.04M▲
Amounts payable17/49€2.92M€1.48M▼
Amounts payable after more than one year17€1.50M€1.31M▼
Financial debts170/4€1.50M€1.31M▼
Amounts payable within one year42/48€1.40M€170k▼
Current portion of amounts payable after more than one year42€90k€77k▼
Financial debts43€427k€0▼
Credit institutions430/8€427k€0▼
Trade debts44€326k€39k▼
Suppliers440/4€326k€39k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€130k€51k▼
Taxes450/3€66k€49k▼
Remuneration and social security454/9€63k€2k▼
Other amounts payable47/48€425k€3k▼
Accrued charges and deferred income492/3€23k€0▼
Income statement
Code20242025
Non-recurring operating income76A€777€1.25M▲
Remuneration, social security and pensions62€337k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€145k€130k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€5k€-1k▼
Gross operating margin9900€689k€1.31M▲
Operating profit (loss)9901€199k€1.18M▲
Financial income75/76B€9€0▼
Recurring financial income75€9€0▼
Financial charges65/66B€93k€33k▼
Recurring financial charges65€93k€33k▼
Profit (loss) for the period before taxes9903€106k€1.15M▲
Income taxes67/77€30k€285k▲
Profit (loss) for the period9904€76k€863k▲
Profit (loss) for the period to be appropriated9905€76k€863k▲
Appropriation of the result
Profit (loss) to be appropriated9906€355k€1.04M▲
Profit (loss) brought forward from the previous period14P€279k€175k▼
Profit to be distributed694/7€180k€0▼
Return on contributions (dividend)694€180k€0▼
Social balance
Average headcount (FTE)90877.67.6=
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €863k ▲1037%
Operating result €1.18M, net result €863k, both a record.
31-12
Financial
Liquidity times 6current ratio 6.97
Current ratio from 1.14 to 6.97; short-term debt falls from €1.40M to €170k.
31-12
Financial
Equity above €1MEq €1.06M ▲439%
8 profitable years in a row build equity to €1.06M.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200kEq €252k ▲71%
5 profitable years in a row build equity to €252k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €130k ▲167%
3 profitable years in a row build equity to €130k.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Charleroi · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Montigny 46000 CharleroiGround area
548 m²
Building footprint
194 m²
Volume, LiDAR
2,597 m³
Parcel 52011C0020/00H000, Wallonia · tallest building 19.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LA BIJOUTERIE GUY POLOME
since 20182.275.944.751
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011C0020/00H000 | Wallonia | 548 m² | 1 · 194 m² | 19.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,017 companies in sector 47770 we hold annual accounts for 898. 512 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2018
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.polome.be
E-mail:baptiste@bijouteriepolome.be