POLDER PC
ActivePOLDER PC has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €9k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-5
Solvency87▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 2.02 in 2024; short-term debt: 16.2% and cash: 6.2% of total assets), and 38% of the assets are financed with debt.
Credit advice for your own amount and term
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 17.7%
2024 · €48k
2022: €33k
2023: €37k
2024: €48k
2022 → 2025
Total assets
€91k▲ 9.3%
2024 · €84k
2022: €76k
2023: €82k
2024: €84k
2022 → 2025
Net result
€9k▼ 21.1%
2024 · €11k
2022: €6k
2023: €4k
2024: €11k
2022 → 2025
Working capital
€28k▲ 72.4%
2024 · €16k
2022: €25k
2023: €1k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€33k-€37k▲ 12.3%€48k▲ 28.9%€57k▲ 17.7%
Operating result€10k-€6k▼ 40.2%€19k▲ 229%€18k▼ 10.1%
Net result€6k-€4k▼ 33.0%€11k▲ 164%€9k▼ 21.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€49k▼ 5.6%
Current assets
€42k▲ 33.5%
Equity and liabilities €91k
Equity
€57k▲ 17.7%
Debt
€35k▼ 2.2%
The debt ratio falls from 42.4% to 38.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €27k
Cash flow
€16k▼
2024 · €18k
Solvency
62.0%▲
2024 · 57.6%
Current ratio
2.87▲
2024 · 2.02
Quick ratio
2.87▲
2024 · 2.02
Debt / equity
0.61▼
2024 · 0.74
ROE
15.0%▼
2024 · 22.4%
ROA
9.3%▼
2024 · 12.9%
Interest coverage
41.72▼
2024 · 43.53
Debt
€35k▼
2024 · €35k
Debt ≤ 1 year
€15k▼
2024 · €16k
Debt > 1 year
€16k▼
2024 · €20k
Income taxes
€8k▲
2024 · €8k
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€84k€91k▲
Fixed assets21/28€52k€49k▼
Tangible fixed assets22/27€51k€48k▼
Land and buildings22€25k€26k▲
Plant, machinery and equipment23€26k€23k▼
Furniture and vehicles24€361€223▼
Financial fixed assets28€500€500=
Current assets29/58€32k€42k▲
Amounts receivable within one year40/41€4k€37k▲
Trade receivables40€3k€33k▲
Other amounts receivable41€313€4k▲
Cash at bank and in hand54/58€28k€6k▼
Deferred charges and accrued income490/1€11€0▼
Equity and liabilities
Total equity and liabilities10/49€84k€91k▲
Equity10/15€48k€57k▲
Contributions10/11€3k€3k=
Reserves13€40k€49k▲
Non-distributable reserves130/1€250€250=
Reserves not available under the articles1311€250€250=
Distributable reserves133€40k€48k▲
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€35k€35k▼
Amounts payable after more than one year17€20k€16k▼
Financial debts170/4€20k€16k▼
Amounts payable within one year42/48€16k€15k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€45€478▲
Suppliers440/4€45€478▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€190€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€493€5k▲
Gross operating margin9900€27k€30k▲
Operating profit (loss)9901€19k€18k▼
Financial income75/76B€136€111▼
Recurring financial income75€136€111▼
Financial charges65/66B€615€597▼
Recurring financial charges65€615€597▼
Profit (loss) for the period before taxes9903€19k€17k▼
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€11k€9k▼
Profit (loss) for the period to be appropriated9905€11k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€14k▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
Transfer to equity691/2€11k€9k▼
To other reserves6921€11k€9k▼
The notes to these accounts (8 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2022net €11k ▲164%
Operating result €19k, net result €11k, both a record.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €4k ▼33%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Antwerpen · 1 establishment unit since 2014
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.
Zevenbergen 162040 AntwerpenGround area
500 m²
Building footprint
138 m²
Volume, LiDAR
560 m³
Parcel 11819C0352/00F002, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Polder PC // Praktijk Serendipity
since 20142.230.363.461
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11819C0352/00F002 | Flanders | 500 m² | 1 · 138 m² | 5.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 · 1 entry · 525 EUR awarded · 525 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 525 EUR | 525 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-05-2014
Fiscal year end31-03
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
43350Other building finishing work
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.