Pobos
ActivePobos has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €191k and a net result of €155k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 28% of 2283 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▲+8
Solvency46▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.24 in 2023; short-term debt: 50.7% and cash: 30% of total assets), but 79.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
47 d early
2022
52 d early
2021
24 d early
2020
46 d early
2019
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€191k▲ 72.6%
2023 · €111k
2018: €187k
2019: €107k
2020: €188k
2021: €264k
2022: €210k
2023: €111k
2018 → 2024
Total assets
€914k▲ 11.0%
2023 · €824k
2018: €782k
2019: €723k
2020: €754k
2021: €813k
2022: €1.08M
2023: €824k
2018 → 2024
Net result
€155k▲ 72.2%
2023 · €90k
2018: €3k
2019: €-80k
2020: €81k
2021: €136k
2022: €191k
2023: €90k
2018 → 2024
Working capital
€300k▲ 141%
2023 · €124k
2018: €109k
2019: €105k
2020: €175k
2021: €281k
2022: €348k
2023: €124k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€188k-€264k▲ 40.2%€210k▼ 20.3%€111k▼ 47.4%€191k▲ 72.6%
Operating result€91k-€168k▲ 83.5%€233k▲ 38.7%€146k▼ 37.3%€219k▲ 50.5%
Net result€81k-€136k▲ 66.8%€191k▲ 41.0%€90k▼ 52.8%€155k▲ 72.2%
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 2024; 2024 is 51% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €914k
Fixed assets
€150k▼ 21.2%
Current assets
€764k▲ 20.7%
Equity and liabilities €914k
Equity
€191k▲ 72.6%
Debt
€723k▲ 1.4%
The debt ratio falls from 86.6% to 79.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€294k▲
2023 · €210k
Cash flow
€230k▲
2023 · €154k
Solvency
20.9%▲
2023 · 13.4%
Current ratio
1.65▲
2023 · 1.24
Quick ratio
1.65▲
2023 · 1.24
Debt / equity
3.78▼
2023 · 6.44
ROE
81.3%▼
2023 · 81.5%
ROA
17.0%▲
2023 · 11.0%
Interest coverage
90.76▼
2023 · 138.49
Debt
€723k▲
2023 · €713k
Debt ≤ 1 year
€464k▼
2023 · €509k
Debt > 1 year
€22k▲
2023 · €0
Income taxes
€61k▲
2023 · €55k
Staff costs
€393k▲
2023 · €300k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€824k€914k▲
Fixed assets21/28€191k€150k▼
Intangible fixed assets21€132k€79k▼
Tangible fixed assets22/27€56k€69k▲
Furniture and vehicles24€52k€66k▲
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€633k€764k▲
Amounts receivable within one year40/41€389k€390k▲
Trade receivables40€389k€390k▲
Other amounts receivable41€68€0▼
Cash at bank and in hand54/58€212k€274k▲
Deferred charges and accrued income490/1€32k€100k▲
Equity and liabilities
Total equity and liabilities10/49€824k€914k▲
Equity10/15€111k€191k▲
Contributions10/11€19k€19k=
Reserves13€92k€172k▲
Distributable reserves133€92k€172k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€713k€723k▲
Amounts payable after more than one year17€0€22k▲
Financial debts170/4€0€22k▲
Amounts payable within one year42/48€509k€464k▼
Current portion of amounts payable after more than one year42€4k€7k▲
Trade debts44€221k€253k▲
Suppliers440/4€221k€253k▲
Taxes, remuneration and social security45€123k€129k▲
Taxes450/3€78k€82k▲
Remuneration and social security454/9€44k€47k▲
Other amounts payable47/48€162k€75k▼
Accrued charges and deferred income492/3€204k€237k▲
Income statement
Code20232024
Remuneration, social security and pensions62€300k€393k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€75k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€511k€689k▲
Operating profit (loss)9901€146k€219k▲
Financial income75/76B€730€0▼
Recurring financial income75€730€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€145k€216k▲
Income taxes67/77€55k€61k▲
Profit (loss) for the period9904€90k€155k▲
Profit (loss) for the period to be appropriated9905€90k€155k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€155k▲
Transfer from equity791/2€190k€0▼
Transfer to equity691/2€90k€80k▼
To other reserves6921€90k€80k▼
Profit to be distributed694/7€190k€75k▼
Return on contributions (dividend)694€190k€75k▼
Directors or managers695€0-
Social balance
Average headcount (FTE)90873.44.2▲
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €191k ▲72.6%
5 profitable years in a row build equity to €191k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €191k ▲41%
Operating result €233k, net result €191k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €264k ▲40.2%
2 profitable years in a row build equity to €264k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
31-12
Financial
Equity above €150kEq €188k ▲75.9%
Equity rises from €107k to €188k.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-80k ▼2866%
Net result drops to €-80k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
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.
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, Sint-Martens-Latem · 1 establishment unit since 2016
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.
Philippe de Denterghemlaan 449831 Sint-Martens-LatemGround area
6,694 m²
Building footprint
1,984 m²
Volume, LiDAR
15,729 m³
2 parcels, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pobos
since 20162.254.368.684
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0372/00F002 | Flanders | 5,354 m² | 1 · 1,770 m² | 9.8 m · 3 fl. |
| 44015A0291/00H000 | Flanders | 1,339 m² | 1 · 214 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 1,018 EUR awarded · 1,018 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
| 2022 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,955 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.