POL WIM
ActiveSummary
The computed 12-month bankruptcy probability of POL WIM is 1.6% (moderate). The 2025 annual accounts show equity of €378,199 and a net result of -€50,045. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 2076 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-53
Solvency75▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.68 in 2024; short-term debt: 48.9% and cash: 32% of total assets), but 50.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€50,045
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-04-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
2 d early
2023
4 d early
2022
2 d early
2021
1 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 28 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#3 employer in Schaarbeek, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€50,045▼ 163%
2024 · -€19,012
Working capital
€244,371▼ 13.5%
2024 · €282,503
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€189,382▼ 10.2%€100,057▼ 47.2%€67,729▼ 32.3%-€14,533-€46,411▼ 219%
Net result€141,732above the sector's middle half▼ 16.1%€66,683within the sector's middle half▼ 53.0%€41,123within the sector's middle half▼ 38.3%-€19,012below the sector's middle half-€50,045below the sector's middle half▼ 163%
Equity€446,450within the sector's middle half▲ 13.1%€443,133within the sector's middle half▼ 0.7%€484,256within the sector's middle half▲ 9.3%€428,244within the sector's middle half▼ 11.6%€378,199within the sector's middle half▼ 11.7%
Total assets€983,368within the sector's middle half▲ 11.5%€1.0mwithin the sector's middle half▲ 1.8%€861,309within the sector's middle half▼ 13.9%€869,954within the sector's middle half▲ 1.0%€757,202within the sector's middle half▼ 13.0%
Debt€536,918▲ 10.2%€557,658▲ 3.9%€377,053▼ 32.4%€441,710▲ 17.1%€379,003▼ 14.2%
Working capital€278,349within the sector's middle half▼ 14.4%€319,270within the sector's middle half▲ 14.7%€328,703within the sector's middle half▲ 3.0%€282,503within the sector's middle half▼ 14.1%€244,371within the sector's middle half▼ 13.5%
Solvency45.4%within the sector's middle half▲ 0.7pp44.3%within the sector's middle half▼ 1.1pp56.2%within the sector's middle half▲ 11.9pp49.2%within the sector's middle half▼ 7.0pp49.9%within the sector's middle half▲ 0.7pp
Current ratio1.65within the sector's middle half▼ 0.201.73within the sector's middle half▲ 0.082.01within the sector's middle half▲ 0.281.68within the sector's middle half▼ 0.321.66within the sector's middle half▼ 0.02
Return on assets (ROA)14.4%above the sector's middle half▼ 4.7pp6.7%within the sector's middle half▼ 7.7pp4.8%within the sector's middle half▼ 1.9pp-2.2%below the sector's middle half▼ 7.0pp-6.6%below the sector's middle half▼ 4.4pp
Staff (FTE)73above the sector's middle half▼ 0.4%65.9above the sector's middle half▼ 9.7%61.2above the sector's middle half▼ 7.1%60.3above the sector's middle half▼ 1.5%55.2above the sector's middle half▼ 8.5%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €46,411 in 2025 against €14,533 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 €757,202
Fixed assets
€142,595 ▼ 18.5%
Current assets
€614,607 ▼ 11.6%
Equity and liabilities €757,202
Equity
€378,199 ▼ 11.7%
Debt
€379,003 ▼ 14.2%
Debt's share of the balance-sheet total falls from 50.8% to 50.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€6,807▼
2024 · €24,019
Cash flow
-€10,441▼
2024 · €19,540
Debt to equity
1.00▼
2024 · 1.03
ROE
-13.2%▼
2024 · -4.4%
Interest coverage
-1.89▼
2024 · 5.68
Debt ≤ 1 year
€370,236▼
2024 · €412,481
Debt > 1 year
€8,767▼
2024 · €29,229
Income taxes
€414▼
2024 · €434
Staff costs
€2.2m▼
2024 · €2.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 246 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 90% are still going.
- Medium-sized
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.2%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 246 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €19,008 | - | €201 | - | - | - |
| Remuneration, social security and pensions62 | €2.3m | €2.3m | €2.3m | €2.3m | €2.2m | ▼ 5.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,822 | €38,699 | €39,318 | €38,552 | €39,604 | ▲ 2.7% |
| Other operating charges640/8 | €8,473 | €12,134 | €7,069 | €5,697 | €6,708 | ▲ 17.7% |
| Non-recurring operating charges66A | - | - | - | - | €868 | - |
| Gross operating margin9900 | €2.6m | €2.4m | €2.4m | €2.4m | €2.2m | ▼ 6.3% |
| Operating profit (loss)9901 | €189,382 | €100,057 | €67,729 | -€14,533 | -€46,411 | ▼ 219% |
| Financial income75/76B | €70 | €3 | €106 | €180 | €377 | ▲ 109% |
| Recurring financial income75 | €70 | €3 | €106 | €180 | €377 | ▲ 109% |
| Financial charges65/66B | €5,781 | €5,565 | €4,294 | €4,225 | €3,597 | ▼ 14.9% |
| Recurring financial charges65 | €5,781 | €5,565 | €4,294 | €4,225 | €3,597 | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €183,672 | €94,495 | €63,540 | -€18,578 | -€49,631 | ▼ 167% |
| Income taxes67/77 | €41,940 | €27,812 | €22,417 | €434 | €414 | ▼ 4.6% |
| Profit (loss) for the period9904 | €141,732 | €66,683 | €41,123 | -€19,012 | -€50,045 | ▼ 163% |
| Profit (loss) for the period to be appropriated9905 | €141,732 | €66,683 | €41,123 | -€19,012 | -€50,045 | ▼ 163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €983,368 | €1.0m | €861,309 | €869,954 | €757,202 | ▼ 13.0% |
| Fixed assets21/28 | €274,074 | €241,664 | €206,190 | €174,970 | €142,595 | ▼ 18.5% |
| Tangible fixed assets22/27 | €274,074 | €241,664 | €206,190 | €174,970 | €142,595 | ▼ 18.5% |
| Land and buildings22 | €154,490 | €144,201 | €134,289 | €124,505 | €114,848 | ▼ 7.8% |
| Plant, machinery and equipment23 | €2,578 | €1,434 | €1,571 | €666 | €145 | ▼ 78.2% |
| Furniture and vehicles24 | €117,006 | €96,029 | €70,330 | €49,800 | €27,602 | ▼ 44.6% |
| Current assets29/58 | €709,295 | €759,127 | €655,119 | €694,984 | €614,607 | ▼ 11.6% |
| Amounts receivable within one year40/41 | €312,416 | €235,498 | €354,080 | €339,862 | €372,057 | ▲ 9.5% |
| Trade receivables40 | €300,824 | €225,944 | €331,454 | €293,675 | €330,332 | ▲ 12.5% |
| Other amounts receivable41 | €11,593 | €9,554 | €22,626 | €46,187 | €41,724 | ▼ 9.7% |
| Cash at bank and in hand54/58 | €396,878 | €523,629 | €301,039 | €355,122 | €242,550 | ▼ 31.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €983,368 | €1.0m | €861,309 | €869,954 | €757,202 | ▼ 13.0% |
| Equity10/15 | €446,450 | €443,133 | €484,256 | €428,244 | €378,199 | ▼ 11.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €20,460 | €20,460 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €42,312 | €42,312 | €82,312 | €80,452 | €80,452 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €40,452 | €40,452 | €40,452 | €40,452 | €40,452 | = |
| Distributable reserves133 | - | - | €40,000 | €40,000 | €40,000 | = |
| Profit (loss) carried forward14 | €385,538 | €382,220 | €383,344 | €327,332 | €277,287 | ▼ 15.3% |
| Amounts payable17/49 | €536,918 | €557,658 | €377,053 | €441,710 | €379,003 | ▼ 14.2% |
| Amounts payable after more than one year17 | €85,973 | €67,802 | €48,897 | €29,229 | €8,767 | ▼ 70.0% |
| Financial debts170/4 | €85,973 | €67,802 | €48,897 | €29,229 | €8,767 | ▼ 70.0% |
| Amounts payable within one year42/48 | €430,946 | €439,856 | €326,416 | €412,481 | €370,236 | ▼ 10.2% |
| Current portion of amounts payable after more than one year42 | €19,079 | €18,171 | €18,905 | €19,668 | €20,462 | ▲ 4.0% |
| Trade debts44 | €27,317 | €43,526 | €13,688 | €18,388 | €52,998 | ▲ 188% |
| Suppliers440/4 | €27,317 | €43,526 | €13,688 | €18,388 | €52,998 | ▲ 188% |
| Advances received on contracts in progress46 | - | - | - | €1,590 | - | - |
| Taxes, remuneration and social security45 | €294,021 | €305,838 | €287,936 | €331,584 | €292,457 | ▼ 11.8% |
| Taxes450/3 | €15,812 | €18,086 | €14,105 | €13,272 | €76,017 | ▲ 473% |
| Remuneration and social security454/9 | €278,209 | €287,752 | €273,831 | €318,312 | €216,440 | ▼ 32.0% |
| Other amounts payable47/48 | €90,527 | €72,321 | €5,887 | €41,250 | €4,319 | ▼ 89.5% |
| Accrued charges and deferred income492/3 | €20,000 | €50,000 | €1,740 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €141,732 | €66,683 | €41,123 | -€19,012 | -€50,045 | ▼ 163% |
| + Depreciation and write-downs630 | €25,822 | €38,699 | €39,318 | €38,552 | €39,604 | ▲ 2.7% |
| Operating cash flow (approximation) | €167,554 | €105,382 | €80,441 | €19,540 | -€10,441 | ▼ 153% |
| Investment in fixed assets (approximation) | - | -€6,289 | -€3,844 | -€7,332 | -€7,229 | ▲ 1.4% |
| Change in cash | - | €126,751 | -€222,590 | €54,083 | -€112,572 | ▼ 308% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-05
State Gazette act
General meeting · Capital2 facts ▸
State Gazette act
General meeting · Capital
2 facts ▸
- General meeting, adopter de nouveaux statuts en français,remplaçant les statuts néerlandophones, 16-04-2026
- Capital
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet -€50,045
Net result drops to -€50,045, the lowest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Highest result since 2018net €169,023 ▲610%
Operating result €210,825, net result €169,023, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 3 days late
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 18 days late
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2008
Ground area
68 m²
Building footprint
56 m²
Volume, LiDAR
870 m³
Parcel 21905C0087/00B004, Brussels · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Leuvensesteenweg 484, 1030 Schaarbeek
since 20082.175.652.689
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0087/00B004 | Brussels | 68 m² | 1 · 56 m² | 19.5 m · 5 fl. |
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.
Articles of association
Who signs
Each director alone
Financial year
From 1 January to 31 December
Duration
Unlimited
Name clause
Legal form clause
Société à responsabilité limitée
Registered office clause
Région de Bruxelles-Capitale
Board rule
Avec ou sans limitation de durée, un ou plusieurs
Other statement
Gestion journalière et mandats spéciaux, un ou plusieurs
Siège, 18 heures
Moyen de communication électronique mis à disposition par la société, participation à distance à l'AG par voie électronique
Vote à distance avant l'assemblée par voie électronique, qualité d'actionnaire et identité par règlement interne établi par organe d'administration
Communication de la convocation, questions écrites avant l'AG par voie électronique
2 more provisions on this in the deed
Liquidation distribution
Selon limite prévue pour catégorie B à l'article 24.b., entre tous les actionnaires
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 2,270,782 EUR awarded · 2,269,324 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 550,900 EUR | 550,894 EUR |
| 2024 | 2 | 603,056 EUR | 602,530 EUR |
| 2023 | 2 | 588,051 EUR | 589,098 EUR |
| 2022 | 2 | 528,775 EUR | 526,802 EUR |
Recognitions · licences · registrations
Recognised service-voucher company
1 live approval · 109 municipalitiesService area
Recognised service-voucher company
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Of 22,827 companies in sector 43211 we hold annual accounts for 10,333. 7,129 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-11-2008
Fiscal year end30-09
Activities, NACEBEL 2025
43211General electrical installation work
96910Personal service activities
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43212Electrical installation work in industrial facilities
43222Installation of electric heating, air conditioning, cooling and ventilation
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807999508
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.