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Pobaco

Active
Private limited companyfounded 2023active for 2 yearsKasteeldreef 3, 9080 Lochristi, BelgiumKBO/BCE: BE 1003.213.887
Summary

Pobaco has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €1.1m. Its solvency ranks better than 24% of 11,075 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
2nd largest company by total assets in Lochristi, Real estate sector1 site
Size
€22.1mtotal assets 2025
Equity
€1.2m
Profit
€1.1m
Turnover not published (abbreviated format)
Financial health
69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Structure
Largest shareholder
INVEBA · 50%
Accounts filed 31 days late0 of 1 deed read
Why 69raises riskLiquidity: current ratio 0.09, cash €6,946, halvedLatest accounts 31 days late; 1 of the last 3 latelowers riskSector: Real estate activities (NACE 68)Size: total assets €22.1mShow the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 65% of its sector peers (NACE 68, medium-sized)
Financial strength · tick = 2024
Average
Solvency 30+4
equity 5.4% of total assets
Liquidity 50+45
short-term debt 9.4% · cash 0.0%
Profitability 75+15
return on assets 5.0%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,717 companies, NACE 68, medium-sized)
Last 24 months 01-2025: 0.7% 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.8%▲ +0.1 percentage points vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.9%▲ +0.1 percentage points vs 05-2025 07-2025: 1.0%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.2%▼ -0.8 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.1%▼ -0.1 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.2%▲ +0.1 percentage points vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026 09-2026: 0.9%▲ +0.4 percentage points vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026
Credit of up to €80,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity insufficient (current ratio 0.09, compared with 1.18 in 2024, below 1; short-term debt: 9.4% and cash: 0% of total assets), and 94.6% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, medium-sized): better than 23% on solvency, 49% on liquidity, 88% on profitability and 99% on growth.

The bankruptcy probability was computed on 17-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.09, cash €6,946, halved
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Size: total assets €22.1m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11075 sector peers (2025).
NBB · sector comparison
Position among 11075 sector peers
Solvency
better than 24%
← weakest strongest →
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
31 days late
2024
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 16 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
18-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Equity above €1mequity €1.2m ▲1,238%
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Positive: Result rose in 2025from €539,065 to €1.1m ▲ 104% View
  • Positive: Among the best 5% on net resultsector median €10,199 · 11,066 companies €1.1m View
  • Known shareholderslargest: INVEBA 50% 100% View

By topic

Financials

Financial year
2025
Total assets
€22.1m
Profit
€1.1m
Solvency
5.4%
Total assets▲ 264%
Net result
20242025
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
11-12-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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