Patrick Poelman
ActivePatrick Poelman has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €15k. Equity is shrinking by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 7107 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +54 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency72▲+45
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.19 in 2024), but 61.2% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
38.8%
Return on assets
25.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €23k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
2 d early
2022
45 d late
2021
26 d late
2020
31 d late
2019
28 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 200%
2024 · €8k
2019: €54k
2020: €37k
2021: €27k
2022: €18k
2023: €11k
2024: €8k
2019 → 2025
Total assets
€58k▲ 30.6%
2024 · €45k
2019: €92k
2020: €81k
2021: €65k
2022: €55k
2023: €47k
2024: €45k
2019 → 2025
Net result
€15k
2024 · €-3k
2019: €10k
2020: €-12k
2021: €-11k
2022: €-8k
2023: €-8k
2024: €-3k
2019 → 2025
Working capital
€20k▲ 178%
2024 · €7k
2019: €52k
2020: €36k
2021: €26k
2022: €18k
2023: €10k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€18k▼ 30.8%€11k▼ 41.4%€8k▼ 29.8%€23k▲ 200%
Operating result€-11k-€-8k▲ 22.9%€-8k▲ 7.0%€-3k▲ 59.9%€15k
Net result€-11k-€-8k▲ 22.4%€-8k▲ 7.2%€-3k▲ 57.7%€15k
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: €15k after a loss of €3k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€3k▲ 596%
Current assets
€56k▲ 25.5%
Equity and liabilities €58k
Equity
€23k▲ 200%
Debt
€36k▼ 3.8%
The debt ratio falls from 83.1% to 61.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k
Cash flow
€16k
Solvency
38.8%▲
2024 · 16.9%
Current ratio
1.56▲
2024 · 1.19
Quick ratio
1.17▲
2024 · 0.93
Debt / equity
1.58▼
2024 · 4.93
ROE
66.7%▲
2024 · -42.5%
ROA
25.9%▲
2024 · -7.2%
Interest coverage
245.46
Debt
€36k▼
2024 · €37k
Debt ≤ 1 year
€36k▼
2024 · €37k
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
Total assets20/58€45k€58k▲
Fixed assets21/28€400€3k▲
Tangible fixed assets22/27-€2k
Financial fixed assets28€400€400=
Current assets29/58€44k€56k▲
Stocks & contracts in progress3€10k€14k▲
Amounts receivable within one year40/41€34k€35k▲
Cash & bank54/58€748€7k▲
Total equity & liabilities10/49€45k€58k▲
Equity10/15€8k€23k▲
Contributions / capital10/11€19k€19k=
Reserves13€30k€30k=
Accumulated profits (losses)14€-41k€-26k▲
Amounts payable17/49€37k€36k▼
Amounts payable within one year42/48€37k€36k▼
Trade debts payable within one year44€4k€3k▼
Income statement
Code20242025
Gross operating margin9900€-2k€16k▲
Operating result9901€-3k€15k▲
Financial income75€6€27▲
Financial charges65€201€64▼
Result before taxes9903€-3k€15k▲
Net result for the period9904€-3k€15k▲
Result to be appropriated9905€-3k€15k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 5 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-12k ▼224%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
PIERRE SIBILLE CONSTRUCTIONS
BE 0895.147.870
Florennes · Eq €23k
BMLA
BE 0771.458.519
Ronse · Eq €23k
OLIVEIRA CONSTRUCT
BE 1003.994.936
Dilbeek · Eq €23k
ADU CONSTRUCT
BE 0774.680.008
Kraainem · Eq €23k
Zeal Construct
BE 0752.619.931
Wetteren · Eq €23k
Of 29,533 companies in sector 41001 we hold annual accounts for 15,763. 11,619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-1992
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.