M J POLAD
ActiveM J POLAD has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-2k. Its solvency ranks better than 56% of 1036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency76
Growth-
Track record67
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
50.8%
Return on assets
-15.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€8k
Total assets
€15k
Net result
€-2k
Working capital
€8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Equity and liabilities €15k
Equity
€8k
Debt
€7k
Debt finances 49.2% of the balance-sheet total.
Key figures and ratios
Solvency
50.8%
Current ratio
2.03
Quick ratio
2.03
Debt / equity
0.97
ROE
-31.3%
ROA
-15.9%
Debt
€7k
Debt ≤ 1 year
€7k
Staff costs
€10k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€15k
Current assets29/58€15k
Amounts receivable within one year40/41€13k
Trade receivables40€5k
Other amounts receivable41€8k
Cash at bank and in hand54/58€2k
Equity and liabilities
Total equity and liabilities10/49€15k
Equity10/15€8k
Contributions10/11€10k
Capital10€10k
Issued capital100€10k
Profit (loss) carried forward14€-2k
Amounts payable17/49€7k
Amounts payable within one year42/48€7k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€4k
Taxes450/3€3k
Remuneration and social security454/9€748
Other amounts payable47/48€2k
Income statement
Code2025
Remuneration, social security and pensions62€10k
Gross operating margin9900€8k
Operating profit (loss)9901€-2k
Financial charges65/66B€14
Recurring financial charges65€14
Profit (loss) for the period before taxes9903€-2k
Profit (loss) for the period9904€-2k
Profit (loss) for the period to be appropriated9905€-2k
Appropriation of the result
Profit (loss) to be appropriated9906€-2k
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
NBB filing
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
2 establishment units since 2025
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.
Ground area
714 m²
Building footprint
924 m²
Volume, LiDAR
6,153 m³
2 parcels, Brussels, Flanders · tallest building 16.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
M J POLAD
since 20252.368.150.179
M J POLAD
since 20252.368.150.278
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098B0001/00Z006 | Flanders | 465 m² | 1 · 673 m² | 9.0 m · 2 fl. |
| 21305C0245/00V003 | Brussels | 250 m² | 1 · 250 m² | 16.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,209 companies in sector 95316 we hold annual accounts for 752. 442 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2024
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.