BORET - POLLET
ActiveSummary
BORET - POLLET has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.9m and a net result of €1.3m. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 70% of 244 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability100▲+34
Solvency77▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160,000 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.49 in 2025; short-term debt: 48.4% and cash: 48.5% of total assets), and 48.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2026Solvency, return and age of the figures
Solvency
51.6%
Return on assets
34%
Age of the figures
3 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 24-09-2026, 129 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
129 d early
2025
2 d early
2024
1 d early
2023
1 d early
2022
on the day
2021
3 d early
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 30 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-06-2027 close31-01-2028 deadline
History
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 Is the workforce growing, and do people stay?Employer check 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 What other support did companies like this one receive, and it did not?Public money
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
In the rankings
#4 employer in Harelbeke, Wholesale and retail trade sector
Equity
€1.9m▼ 24.2%
2025 · €2.6m
Total assets
€3.8m▼ 32.9%
2025 · €5.6m
Net result
€1.3m
2025 · -€135,604
Working capital
€679,738▼ 39.6%
2025 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Line20222023202420252026
Operating result€472,342▼ 21.2%€773,583▲ 63.8%€1.1m▲ 36.5%€169,655▼ 83.9%€1.7m▲ 930%
Net result€326,967above the sector's middle half▼ 22.6%€632,744above the sector's middle half▲ 93.5%€752,694above the sector's middle half▲ 19.0%-€135,604below the sector's middle half€1.3m
Equity€1.6mabove the sector's middle half▲ 1.9%€2.1mabove the sector's middle half▲ 30.2%€2.7mabove the sector's middle half▲ 32.9%€2.6mabove the sector's middle half▼ 6.4%€1.9m▼ 24.2%
Total assets€5.4mabove the sector's middle half▼ 9.3%€5.3mabove the sector's middle half▼ 1.8%€5.6mabove the sector's middle half▲ 5.2%€5.6mabove the sector's middle half▲ 0.6%€3.8m▼ 32.9%
Debt€3.8m▼ 13.3%€3.2m▼ 15.0%€2.8m▼ 12.4%€3.1m▲ 7.4%€1.8m▼ 40.3%
Working capital-€364,624below the sector's middle half▲ 8.8%€351,854within the sector's middle half€1.1mabove the sector's middle half▲ 212%€1.1mabove the sector's middle half▲ 2.6%€679,738▼ 39.6%
Solvency29.3%within the sector's middle half▲ 3.2pp38.8%within the sector's middle half▲ 9.5pp49.1%within the sector's middle half▲ 10.2pp45.6%within the sector's middle half▼ 3.4pp51.6%▲ 5.9pp
Current ratio0.83below the sector's middle half▼ 0.011.19within the sector's middle half▲ 0.361.63within the sector's middle half▲ 0.441.49within the sector's middle half▼ 0.131.37▼ 0.12
Return on assets (ROA)6.1%within the sector's middle half▼ 1.0pp11.9%above the sector's middle half▲ 5.9pp13.5%above the sector's middle half▲ 1.6pp-2.4%below the sector's middle half▼ 15.9pp34.0%▲ 36.4pp
Staff (FTE)82.7above the sector's middle half▲ 7.0%84.4above the sector's middle half▲ 2.1%52above the sector's middle half▼ 38.4%53.1above the sector's middle half▲ 2.1%56.4▲ 6.2%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 930% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.8m
Fixed assets
€1.3m ▼ 42.8%
Current assets
€2.5m ▼ 26.5%
Equity and liabilities €3.8m
Equity
€1.9m ▼ 24.2%
Debt
€1.8m ▼ 40.3%
Debt's share of the balance-sheet total falls from 54.4% to 48.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2.1m▲
2025 · €618,932
Cash flow
€1.6m▲
2025 · €313,673
Quick ratio
1.03▼
2025 · 1.22
Debt to equity
0.94▼
2025 · 1.19
ROE
66.0%▲
2025 · -5.3%
Interest coverage
91.91▲
2025 · 20.08
Debt ≤ 1 year
€1.8m▼
2025 · €2.3m
Debt > 1 year
€0▼
2025 · €714,416
Income taxes
€447,641▲
2025 · €290,918
Staff costs
€2.5m▲
2025 · €2.4m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,577 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 97% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.1%
went bankrupt
3.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% 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%.
| 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 1,577 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
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €10,250 | €0 | - | €83,194 | - |
| Remuneration, social security and pensions62 | €1.9m | €2.0m | €2.2m | €2.4m | €2.5m | ▲ 3.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €465,105 | €437,736 | €429,643 | €449,277 | €306,219 | ▼ 31.8% |
| Other operating charges640/8 | €29,962 | €34,814 | €41,656 | €196,904 | €189,551 | ▼ 3.7% |
| Non-recurring operating charges66A | - | - | - | €966,851 | €2,028 | ▼ 99.8% |
| Gross operating margin9900 | €2.9m | €3.3m | €3.8m | €4.2m | €4.7m | ▲ 13.2% |
| Operating profit (loss)9901 | €472,342 | €773,583 | €1.1m | €169,655 | €1.7m | ▲ 930% |
| Financial income75/76B | €5,279 | €92,054 | €7,560 | €16,486 | €5,083 | ▼ 69.2% |
| Recurring financial income75 | €5,279 | €92,054 | €7,560 | €16,486 | €5,083 | ▼ 69.2% |
| Financial charges65/66B | €34,944 | €31,675 | €36,983 | €30,826 | €22,339 | ▼ 27.5% |
| Recurring financial charges65 | €34,944 | €31,675 | €36,983 | €30,826 | €22,339 | ▼ 27.5% |
| Profit (loss) for the period before taxes9903 | €442,677 | €833,962 | €1.0m | €155,314 | €1.7m | ▲ 1,014% |
| Income taxes67/77 | €115,709 | €201,218 | €273,763 | €290,918 | €447,641 | ▲ 53.9% |
| Profit (loss) for the period9904 | €326,967 | €632,744 | €752,694 | -€135,604 | €1.3m | ▲ 1,045% |
| Profit (loss) for the period to be appropriated9905 | €326,967 | €632,744 | €752,694 | -€135,604 | €1.3m | ▲ 1,045% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.4m | €5.3m | €5.6m | €5.6m | €3.8m | ▼ 32.9% |
| Fixed assets21/28 | €3.7m | €3.1m | €2.7m | €2.2m | €1.3m | ▼ 42.8% |
| Intangible fixed assets21 | €30,154 | €30,154 | €30,154 | €30,154 | €30,154 | = |
| Tangible fixed assets22/27 | €3.4m | €3.1m | €2.7m | €2.2m | €1.2m | ▼ 43.3% |
| Land and buildings22 | €3.3m | €2.9m | €2.6m | €2.0m | €1.1m | ▼ 44.2% |
| Plant, machinery and equipment23 | €65,860 | €93,372 | €80,651 | €175,855 | €121,299 | ▼ 31.0% |
| Furniture and vehicles24 | €64,417 | €41,187 | €17,337 | €8,486 | €1,806 | ▼ 78.7% |
| Financial fixed assets28 | €211,302 | €15,103 | €15,103 | €16,603 | €6,603 | ▼ 60.2% |
| Current assets29/58 | €1.7m | €2.2m | €2.8m | €3.4m | €2.5m | ▼ 26.5% |
| Stocks and contracts in progress3 | €507,680 | €502,903 | €556,315 | €628,762 | €621,790 | ▼ 1.1% |
| Stocks30/36 | €507,680 | €502,903 | €556,315 | €628,762 | €621,790 | ▼ 1.1% |
| Amounts receivable within one year40/41 | €521,309 | €618,457 | €773,227 | €1.1m | €24,306 | ▼ 97.8% |
| Trade receivables40 | €292,035 | €365,578 | €265,031 | €176,397 | €23,882 | ▼ 86.5% |
| Other amounts receivable41 | €229,274 | €252,879 | €508,195 | €941,975 | €424 | ▼ 100.0% |
| Cash at bank and in hand54/58 | €670,565 | €1.0m | €1.5m | €1.6m | €1.8m | ▲ 13.7% |
| Deferred charges and accrued income490/1 | €34,492 | €38,797 | €41,559 | €53,150 | €29,557 | ▼ 44.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.4m | €5.3m | €5.6m | €5.6m | €3.8m | ▼ 32.9% |
| Equity10/15 | €1.6m | €2.1m | €2.7m | €2.6m | €1.9m | ▼ 24.2% |
| Contributions10/11 | €33,642 | €33,642 | €33,642 | €33,642 | €8,672 | ▼ 74.2% |
| Revaluation surpluses12 | €30,162 | €30,162 | €30,162 | €0 | - | - |
| Reserves13 | €1.5m | €2.0m | €2.7m | €2.5m | €1.9m | ▼ 23.6% |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €4,833 | ▼ 74.2% |
| Distributable reserves133 | €1.5m | €2.0m | €2.6m | €2.5m | €1.9m | ▼ 23.2% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | - | - |
| Investment grants15 | €16,760 | €12,570 | €8,380 | €0 | - | - |
| Amounts payable17/49 | €3.8m | €3.2m | €2.8m | €3.1m | €1.8m | ▼ 40.3% |
| Amounts payable after more than one year17 | €1.7m | €1.4m | €1.0m | €714,416 | €0 | ▼ 100% |
| Financial debts170/4 | €1.7m | €1.4m | €1.0m | €714,416 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €2.1m | €1.9m | €1.7m | €2.3m | €1.8m | ▼ 20.1% |
| Current portion of amounts payable after more than one year42 | €364,702 | €332,210 | €323,894 | €325,103 | €0 | ▼ 100% |
| Financial debts43 | €110,215 | €242,761 | €150,826 | €138,602 | €0 | ▼ 100% |
| Credit institutions430/8 | €110,215 | €242,761 | €150,826 | €138,602 | €0 | ▼ 100% |
| Trade debts44 | €1.3m | €943,092 | €910,075 | €1.5m | €1.5m | ▼ 2.3% |
| Suppliers440/4 | €1.3m | €943,092 | €910,075 | €1.5m | €1.5m | ▼ 2.3% |
| Taxes, remuneration and social security45 | €319,113 | €334,245 | €359,342 | €324,394 | €369,605 | ▲ 13.9% |
| Taxes450/3 | €29,372 | €43,800 | €65,220 | €15,076 | €61,869 | ▲ 310% |
| Remuneration and social security454/9 | €289,741 | €290,445 | €294,122 | €309,318 | €307,735 | ▼ 0.5% |
| Other amounts payable47/48 | - | €4,599 | €5,199 | €6,034 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €23,344 | €25,001 | €54,969 | €56,879 | €444 | ▼ 99.2% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €326,967 | €632,744 | €752,694 | -€135,604 | €1.3m | ▲ 1,045% |
| + Depreciation and write-downs630 | €465,105 | €437,736 | €429,643 | €449,277 | €306,219 | ▼ 31.8% |
| Operating cash flow (approximation) | €792,072 | €1.1m | €1.2m | €313,673 | €1.6m | ▲ 406% |
| Investment in fixed assets (approximation) | - | €131,688 | -€68,446 | €77,009 | €640,155 | ▲ 731% |
| Change in cash | - | €378,040 | €425,798 | €133,192 | €220,817 | ▲ 65.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-06
Financial
Back to profitnet €1.3m
Net result €1.3m after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet -€135,604
Net result drops to -€135,604, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €2mEq €2.1m ▲30.2%
5 profitable years in a row build equity to €2.1m.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Harelbeke · 1 establishment unit since 1991
Ground area
4,928 m²
Building footprint
2,585 m²
Volume, LiDAR
9,396 m³
Parcel 34323D1416/00P000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
AD DELHAIZE
since 19912.043.888.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34323D1416/00P000 | Flanders | 4,928 m² | 1 · 2,585 m² | 7.7 m · 1 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
33.33%
According to the annual accounts to 30-06-2025 of BORET - POLLET and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,682 EUR awarded · 1,682 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 160 EUR | 160 EUR |
| 2024 | 1 | 160 EUR | 160 EUR |
| 2023 | 1 | 1,362 EUR | 1,362 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyHarelbeke2.043.888.285
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 1,531 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
Founded05-06-1989
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437660535
Registered
23-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.