POCAPER
ActiveSummary
The computed 12-month bankruptcy probability of POCAPER is 2.1% (moderate). The 2025 annual accounts show negative equity (€-598k) and a net result of €-275k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 10359 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.67 in 2024; short-term debt: 92.9% and cash: 4.9% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
-43.2%
Return on assets
-19.8%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-598k
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 11-07-2026, 20 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
20 d early
2024
47 d early
2023
46 d early
2022
39 d early
2021
41 d early
2020
37 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-275k▼ 31.2%
2024 · €-209k
2018: €-78k
2019: €-169k
2020: €-203k
2021: €-168k
2022: €-167k
2023: €-272k
2024: €-209k
2018 → 2025
Working capital
€-593k▼ 95.2%
2024 · €-304k
2018: €218k
2019: €16k
2020: €-176k
2021: €-185k
2022: €322k
2023: €-108k
2024: €-304k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-424k-€159k€-114k€-323k▼ 184%€-598k▼ 85.0%
Operating result€-150k-€-160k▼ 6.5%€-228k▼ 42.1%€-169k▲ 25.7%€-241k▼ 42.4%
Net result€-168k-€-167k▲ 0.6%€-272k▼ 62.8%€-209k▲ 23.1%€-275k▼ 31.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €241k in 2025 against €169k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€691k ▼ 12.5%
Current assets
€693k ▲ 13.1%
Key figures and ratios
EBITDA
€-138k▼
2024 · €-67k
Cash flow
€-172k▼
2024 · €-107k
Solvency
-43.2%▼
2024 · -23.0%
Current ratio
0.54▼
2024 · 0.67
Quick ratio
0.17▼
2024 · 0.21
Debt to equity
-3.31▲
2024 · -5.34
ROA
-19.8%▼
2024 · -14.9%
Interest coverage
-4.02▼
2024 · -1.64
Debt
€1.98M▲
2024 · €1.73M
Debt ≤ 1 year
€1.29M▲
2024 · €916k
Debt > 1 year
€588k▼
2024 · €710k
Income taxes
€176▲
2024 · €174
Staff costs
€117k▼
2024 · €181k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.40M€1.38M▼
Fixed assets21/28€791k€691k▼
Tangible fixed assets22/27€790k€691k▼
Plant, machinery and equipment23€450k€394k▼
Other tangible fixed assets26€340k€297k▼
Financial fixed assets28€363€363=
Current assets29/58€613k€693k▲
Stocks and contracts in progress3€418k€476k▲
Stocks30/36€418k€476k▲
Amounts receivable within one year40/41€116k€147k▲
Trade receivables40€116k€143k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€78k€67k▼
Deferred charges and accrued income490/1€277€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.38M▼
Equity10/15€-323k€-598k▼
Contributions10/11€326k€326k=
Profit (loss) carried forward14€-649k€-924k▼
Amounts payable17/49€1.73M€1.98M▲
Amounts payable after more than one year17€710k€588k▼
Financial debts170/4€710k€588k▼
Amounts payable within one year42/48€916k€1.29M▲
Current portion of amounts payable after more than one year42€148k€137k▼
Trade debts44€446k€431k▼
Suppliers440/4€446k€431k▼
Taxes, remuneration and social security45€23k€7k▼
Taxes450/3€11k€176▼
Remuneration and social security454/9€12k€7k▼
Other amounts payable47/48€300k€710k▲
Accrued charges and deferred income492/3€100k€109k▲
Income statement
Code20242025
Remuneration, social security and pensions62€181k€117k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€103k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€37k-
Other operating charges640/8€12k€13k▲
Gross operating margin9900€164k€-8k▼
Operating profit (loss)9901€-169k€-241k▼
Financial income75/76B€619€789▲
Recurring financial income75€619€789▲
Financial charges65/66B€41k€34k▼
Recurring financial charges65€41k€34k▼
Profit (loss) for the period before taxes9903€-209k€-275k▼
Income taxes67/77€174€176▲
Profit (loss) for the period9904€-209k€-275k▼
Profit (loss) for the period to be appropriated9905€-209k€-275k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-649k€-924k▼
Profit (loss) brought forward from the previous period14P€-440k€-649k▼
Social balance
Average headcount (FTE)90876.13.4▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-275k
Net result drops to €-275k, the lowest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €159k
Equity rises from €-424k to €159k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Frasnes-lez-Anvaing · 3 establishment units since 2021
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.
Warloche(B) 237911 Frasnes-lez-AnvaingGround area
6.7 ha
Building footprint
3.9 ha
Volume, LiDAR
314,922 m³
3 parcels, Wallonia · tallest building 15.8 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
POCAPER
since 20212.311.624.024
POCAPER
since 20222.338.199.747
POCAPER
since 20242.363.580.192
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462B0160/00Y003 | Wallonia | 6.2 ha | 1 · 3.8 ha | 15.8 m · 3 fl. |
| 57009B0017/00M000 | Wallonia | 3,911 m² | 1 · 1,040 m² | - |
| 51013B0383/00E000 | Wallonia | 1,218 m² | 1 · 237 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBernissart2.338.199.747
Similar companies · same sector, comparable size
CASH & CARRY NOYEZ WERVIK
BE 0865.618.003
Wervik · Eq €158,554
FIRMAN KNOKKE
BE 0654.856.304
Knokke-Heist · Eq €158,538
Gaufre’tje
BE 0769.729.741
Heist-op-den-Berg · Eq €158,646
Oostaco
BE 0456.552.769
Gent · Eq €158,692
OUDE BAAN ROTEM
BE 0425.917.991
Dilsen-Stokkem · Eq €158,035
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,425 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46423Wholesale of clothing, excluding workwear and underwear
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.