POLDER
ActivePOLDER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €502k and a net result of €112k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 7974 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 02-03-2026, 151 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
151 d early
2024
132 d early
2023
174 d early
2022
139 d early
2021
171 d early
2020
31 d early
2019
126 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€502k▼ 22.7%
2024 · €649k
2018: €384k
2019: €470k
2020: €555k
2021: €527k
2022: €634k
2023: €617k
2024: €649k
2018 → 2025
Net result
€112k▼ 5.9%
2024 · €119k
2018: €94k
2019: €86k
2020: €85k
2021: €89k
2022: €108k
2023: €129k
2024: €119k
2018 → 2025
Total assets
€552k▼ 18.3%
2024 · €675k
2018: €466k
2019: €479k
2020: €578k
2021: €657k
2022: €753k
2023: €810k
2024: €675k
2018 → 2025
Solvency
91.0%▼ 5.3pp
2024 · 96.2%
2018: 82.4%
2019: 98.0%
2020: 96.0%
2021: 80.2%
2022: 84.2%
2023: 76.1%
2024: 96.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€527k-€634k▲ 20.4%€617k▼ 2.8%€649k▲ 5.3%€502k▼ 22.7%
Operating result€111k-€137k▲ 23.1%€164k▲ 19.3%€154k▼ 6.1%€150k▼ 2.5%
Net result€89k-€108k▲ 21.2%€129k▲ 19.6%€119k▼ 7.2%€112k▼ 5.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €552k
Equity
€502k▼ 22.7%
Debt
€50k▲ 95.5%
The debt ratio rises from 3.8% to 9.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
91.0%▼
2024 · 96.2%
ROE
22.4%▲
2024 · 18.4%
ROA
20.4%▲
2024 · 17.7%
Debt
€50k▲
2024 · €25k
Debt ≤ 1 year
€49k▲
2024 · €25k
Income taxes
€54k▼
2024 · €56k
Staff costs
€0▼
2024 · €500
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€675k€552k▼
Current assets29/58€675k€552k▼
Amounts receivable within one year40/41€642k€476k▼
Other amounts receivable41€642k€476k▼
Cash at bank and in hand54/58€33k€75k▲
Equity and liabilities
Total equity and liabilities10/49€675k€552k▼
Equity10/15€649k€502k▼
Contributions10/11€7k€7k=
Reserves13€643k€495k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€641k€493k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€50k▲
Amounts payable within one year42/48€25k€49k▲
Taxes, remuneration and social security45€25k€22k▼
Taxes450/3€25k€22k▼
Other amounts payable47/48€0€27k▲
Accrued charges and deferred income492/3€600€600=
Income statement
Code20242025
Remuneration, social security and pensions62€500€0▼
Other operating charges640/8€573€801▲
Gross operating margin9900€155k€151k▼
Operating profit (loss)9901€154k€150k▼
Financial income75/76B€22k€16k▼
Recurring financial income75€22k€16k▼
Financial charges65/66B€162€189▲
Recurring financial charges65€162€189▲
Profit (loss) for the period before taxes9903€176k€166k▼
Income taxes67/77€56k€54k▼
Profit (loss) for the period9904€119k€112k▼
Profit (loss) for the period to be appropriated9905€119k€112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€119k€112k▼
Transfer from equity791/2€86k€260k▲
Transfer to equity691/2€119k€112k▼
To other reserves6921€119k€112k▼
Profit to be distributed694/7€86k€260k▲
Return on contributions (dividend)694€86k€260k▲
The notes to these accounts (1 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 27.13
Current ratio from 4.20 to 27.13; short-term debt falls from €193k to €25k.
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €129k ▲19.6%
Operating result €164k, net result €129k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €85k ▼0.2%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €555k ▲18.2%
3 profitable years in a row build equity to €555k.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 16current ratio 49.27
Current ratio from 3.06 to 49.27; short-term debt falls from €152k to €10k.
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-03
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.
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, Koksijde · 1 establishment unit since 2007
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.
Gaupinlaan(Odk) 158670 KoksijdeGround area
1,399 m²
Building footprint
191 m²
Volume, LiDAR
785 m³
2 parcels, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Polder BVBA
since 20072.160.281.654
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502F0547/00C000 | Flanders | 1,028 m² | 1 · 191 m² | 11.0 m · 1 fl. |
| 38502F0564/00A000 | Flanders | 371 m² | - | - |
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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.