Polderbouw BV · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Polderbouw BV is 3.7% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-6k. Equity is shrinking by ~17.5% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-6k-156.3%

Working capital€17k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~17.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit

€-6k

-156.3% 23-25

Total assets

€23k

-32.1% 23-25

Equity

€17k

-25.2% 23-25

Working capital

€17k

- 23-25

Debt

€6k

-46.5% 23-25

Debt ≤ 1y

€6k

-46.5% 23-25

Current ratio

3.95

+587.1% 23-25

Quick ratio

3.95

+587.1% 23-25

Solvency

74.7%

+10.1% 23-25

Debt / equity

0.34

-28.5% 23-25

ROE

-33.7%

-242.6% 23-25

ROA

-25.2%

-277.1% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	-
Net profit	€-6k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€23k
Equity	€17k
Debt	€6k
of which ≤ 1y	€6k
of which > 1y	-
Working capital	€17k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.95
Quick ratio	3.95
Working capital ratio	74.7%
Solvency	74.7%
Debt / equity	0.34
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-25.2%
ROE	-33.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €17k · 74.7% Debt €6k · 25.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€23k
Current assets	29/58	€23k
Amounts receivable within one year	40/41	€614
Cash & bank	54/58	€22k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€23k
Equity	10/15	€17k
Contributions / capital	10/11	€25k
Accumulated profits (losses)	14	€-8k
Amounts payable	17/49	€6k
Amounts payable within one year	42/48	€6k
Income statement
Gross operating margin	9900	€-639
Operating result	9901	€-6k
Financial income	75	€62
Financial charges	65	€45
Result before taxes	9903	€-6k
Net result for the period	9904	€-6k
Result to be appropriated	9905	€-6k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

62 / 100 Healthy

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

Polderbouw

Hoog-Kallostraat(KAL) 56, 9120 Beveren-Kruibeke-ZwijndrechtTeelt van bloemen

since 20232.351.849.132

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,831 m²

Buildings1

Building footprint250 m²

Volume (LiDAR)738 m³

Tallest building9.0 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46010B0383/00D000	Flanders	1,831 m²	1 · 250 m²	9.0 m

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes

58 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 62

Profitability 0

Solvency 100

Growth 32

Stability 94

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Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameNL

Polderbouw BV

Registered office

Hoog-Kallostraat(KAL) 56 bus 2

9120 Beveren-Kruibeke-Zwijndrecht, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.