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POCAY

Active
Public limited companyfounded 199234 yrs activeNoorderlaan 23, 2970 Schilde, BelgiumKBO/BCE: BE 0448.135.644
Summary

POCAY has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €948,950 and a net result of €103,317. Equity is growing by ~12.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability61▲+25
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 8.44 against 8.9 in 2024; short-term debt: 7.1% and cash: 14.1% of total assets), and 12.1% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
87.9%
Return on assets
9.6%
Age of the figures
10 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 30-06-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
33 d early
2023
2 d early
2022
3 d early
2021
20 d late
2020
9 d early
2019
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 5 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-11-2026 close30-06-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

POCAY was incorporated on 28 August 1992.1 Total assets rose from EUR 557,234 in 2018 to EUR 1.1 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€103,317
2024 · -€5,998
Working capital
€569,635▼ 1.7%
2024 · €579,328
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€19,685▼ 19.3%€379,676▲ 1,829%€151,707▼ 60.0%-€5,959€95,042
Net result€14,525▼ 14.0%€250,321▲ 1,623%€100,844▼ 59.7%-€5,998€103,317
Equity€500,467▲ 3.0%€750,787▲ 50.0%€851,631▲ 13.4%€845,633▼ 0.7%€948,950▲ 12.2%
Total assets€556,569▲ 0.6%€1.2m▲ 121%€1.1m▼ 10.6%€1.1m▼ 1.2%€1.1m▼ 0.6%
Debt€56,102▼ 16.5%€160,555▲ 186%€80,047▼ 50.1%€73,372▼ 8.3%€76,579▲ 4.4%
Working capital-€51,312▲ 22.0%€634,474€585,326▼ 7.7%€579,328▼ 1.0%€569,635▼ 1.7%
Why a figure moved sharply
  • 2022 Net result +1,623% on 2021. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
-€100,000€0€100,000€200,000€300,000€400,000Operating result 2021: €19,685€19,685Net result 2021: €14,525€14,525Operating result 2022: €379,676€379,676Net result 2022: €250,321€250,321Operating result 2023: €151,707€151,707Net result 2023: €100,844€100,844Operating result 2024: -€5,959-€5,959Net result 2024: -€5,998-€5,998Operating result 2025: €95,042€95,042Net result 2025: €103,317€103,31720212022202320242025-€50,000€0€50,000€100,000€150,000Operating result 2023: €151,707€152,000Net result 2023: €100,844€101,000Operating result 2024: -€5,959-€5,960Net result 2024: -€5,998-€6,000Operating result 2025: €95,042€95,000Net result 2025: €103,317€103,000202320242025
The operating result returns to profit in 2025: €95,042 after a loss of €5,959 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets €433,814 =
Current assets €646,214 ▼ 1.0%
Equity and liabilities €1.1m
Equity €948,950 ▲ 12.2%
Provisions €54,498 ▼ 67.5%
Debt €76,579 ▲ 4.4%
Debt's share of the balance-sheet total rises from 6.8% to 7.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
8.44▼
2024 · 8.90
Debt to equity
0.08▼
2024 · 0.09
ROE
10.9%▲
2024 · -0.7%
ROA
9.6%▲
2024 · -0.6%
Debt ≤ 1 year
€76,579▲
2024 · €73,372
Income taxes
€50,655
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.2% went bankrupt
4.7% stopped otherwise
95% still going

For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 20,082 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.1m€1.1m▼
Fixed assets21/28€433,814€433,814=
Financial fixed assets28€433,814€433,814=
Current assets29/58€652,700€646,214▼
Amounts receivable within one year40/41€552,998€493,679▼
Trade receivables40€50,000€77,000▲
Other amounts receivable41€502,998€416,679▼
Cash at bank and in hand54/58€99,702€152,535▲
Equity and liabilities
Total equity and liabilities10/49€1.1m€1.1m▼
Equity10/15€845,633€948,950▲
Contributions10/11€196,000€196,000=
Capital10€196,000€196,000=
Issued capital100€196,000€196,000=
Reserves13€649,633€752,950▲
Non-distributable reserves130/1€19,600€19,600=
Legal reserve130€19,600€19,600=
Distributable reserves133€630,033€733,350▲
Provisions and deferred taxes16€167,509€54,498▼
Provisions for liabilities and charges160/5€167,509€54,498▼
Other liabilities and charges164/5€167,509€54,498▼
Amounts payable17/49€73,372€76,579▲
Amounts payable within one year42/48€73,372€76,579▲
Trade debts44€45,269€23,821▼
Suppliers440/4€45,269€23,821▼
Taxes, remuneration and social security45-€50,655
Taxes450/3-€50,655
Other amounts payable47/48€28,104€2,104▼
Income statement Code20242025
Provisions for liabilities and charges: additions (uses and reversals)635/8--€113,011
Other operating charges640/8€1,920€4,097▲
Gross operating margin9900-€4,039-€13,872▼
Operating profit (loss)9901-€5,959€95,042▲
Financial income75/76B-€58,974
Recurring financial income75-€58,974
Non-recurring financial income76B-€58,974
Financial charges65/66B€39€44▲
Recurring financial charges65€39€44▲
Profit (loss) for the period before taxes9903-€5,998€153,972▲
Income taxes67/77-€50,655
Profit (loss) for the period9904-€5,998€103,317▲
Profit (loss) for the period to be appropriated9905-€5,998€103,317▲
Appropriation of the result
Profit (loss) to be appropriated9906-€5,998€103,317▲
Transfer from equity791/2€5,998-
Transfer to equity691/2-€103,317
To other reserves6921-€103,317

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A-€982,035€150,000---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,086-----
Provisions for liabilities and charges: additions (uses and reversals)635/8-----€113,011-
Other operating charges640/8€3,785€2,194€1,313€1,920€4,097▲ 113%
Non-recurring operating charges66A-€511,154----
Gross operating margin9900€24,557€893,024€153,019-€4,039-€13,872▼ 243%
Operating profit (loss)9901€19,685€379,676€151,707-€5,959€95,042▲ 1,695%
Financial income75/76B€0---€58,974-
Recurring financial income75€0---€58,974-
Non-recurring financial income76B----€58,974-
Financial charges65/66B€319€4,088€377€39€44▲ 11.0%
Recurring financial charges65€319€4,088€377€39€44▲ 11.0%
Profit (loss) for the period before taxes9903€19,366€375,588€151,330-€5,998€153,972▲ 2,667%
Income taxes67/77€4,842€125,267€50,486-€50,655-
Profit (loss) for the period9904€14,525€250,321€100,844-€5,998€103,317▲ 1,822%
Profit (loss) for the period to be appropriated9905€14,525€250,321€100,844-€5,998€103,317▲ 1,822%
Line20212022202320242025Change
Assets
Total assets20/58€556,569€1.2m€1.1m€1.1m€1.1m▼ 0.6%
Fixed assets21/28€551,778€433,814€433,814€433,814€433,814=
Tangible fixed assets22/27€117,965-----
Land and buildings22€112,535-----
Plant, machinery and equipment23€5,429-----
Financial fixed assets28€433,814€433,814€433,814€433,814€433,814=
Current assets29/58€4,790€795,029€665,373€652,700€646,214▼ 1.0%
Amounts receivable within one year40/41€1,571€581,036€486,697€552,998€493,679▼ 10.7%
Trade receivables40-€100,000€50,000€50,000€77,000▲ 54.0%
Other amounts receivable41€1,571€481,036€436,697€502,998€416,679▼ 17.2%
Cash at bank and in hand54/58€2,890€213,993€178,676€99,702€152,535▲ 53.0%
Deferred charges and accrued income490/1€329-----
Equity and liabilities
Total equity and liabilities10/49€556,569€1.2m€1.1m€1.1m€1.1m▼ 0.6%
Equity10/15€500,467€750,787€851,631€845,633€948,950▲ 12.2%
Contributions10/11€196,000€196,000€196,000€196,000€196,000=
Capital10€196,000€196,000€196,000€196,000€196,000=
Issued capital100€196,000€196,000€196,000€196,000€196,000=
Reserves13€304,467€554,787€655,631€649,633€752,950▲ 15.9%
Non-distributable reserves130/1€19,600€19,600€19,600€19,600€19,600=
Legal reserve130€19,600€19,600€19,600€19,600€19,600=
Distributable reserves133€284,867€535,187€636,031€630,033€733,350▲ 16.4%
Provisions and deferred taxes16-€317,500€167,509€167,509€54,498▼ 67.5%
Provisions for liabilities and charges160/5-€317,500€167,509€167,509€54,498▼ 67.5%
Other liabilities and charges164/5-€317,500€167,509€167,509€54,498▼ 67.5%
Amounts payable17/49€56,102€160,555€80,047€73,372€76,579▲ 4.4%
Amounts payable within one year42/48€56,102€160,555€80,047€73,372€76,579▲ 4.4%
Current portion of amounts payable after more than one year42€5,160-----
Trade debts44€19,174€2,075€879€45,269€23,821▼ 47.4%
Suppliers440/4€19,174€2,075€879€45,269€23,821▼ 47.4%
Taxes, remuneration and social security45-€125,267€50,498-€50,655-
Taxes450/3-€125,267€50,498-€50,655-
Other amounts payable47/48€31,767€33,212€28,670€28,104€2,104▼ 92.5%
Line20212022202320242025Change
Profit (loss) for the period9904€14,525€250,321€100,844-€5,998€103,317▲ 1,822%
+ Depreciation and write-downs630€1,086-----
Operating cash flow (approximation)€15,611€250,321€100,844-€5,998€103,317▲ 1,822%
Investment in fixed assets (approximation)-€117,965€0€0€0-
Change in cash-€211,103-€35,317-€78,974€52,833▲ 167%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-06-2027
2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
30-11
Financial Back to profitnet €103,317
Net result €103,317 after one loss-making year.
28-05
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-11
Financial Weakest financial yearnet -€5,998
Net result drops to -€5,998, the lowest in the series; recovery starts the following year.
28-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial Highest result since 2018net €250,321 ▲1,623%
Operating result €379,676, net result €250,321, both a record.
30-11
Financial Liquidity times 58current ratio 4.95
Current ratio from 0.09 to 4.95.
20-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 20 days late
2021
30-11
Financial Equity above €500,000Eq €500,467 ▲3%
4 profitable years in a row build equity to €500,467.
21-06
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
01-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
02-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
29-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
3 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, Schilde · 1 establishment unit since 1992
seat establishment The establishment unit on the map
Ground area
1,548 m²
Building footprint
292 m²
Parcel 11039A0501/00W003, Flanders. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
POCAY
Noorderlaan 23, 2970 SchildeNACE 7412401
since 19922.130.956.079
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11039A0501/00W003 Flanders 1,548 m² 1 · 292 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 30-11-2025 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-11-2025 of POCAY and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPublic limited company
Founded28-08-1992
Fiscal year end30-11
E-invoicing
Reachable via Peppol
Peppol ID 0208:0448135644
Registered 07-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.