POLLE
ActiveSummary
POLLE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136,063 and a net result of €13,104. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 28184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+53
Solvency63▲+7
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.54 in 2024; short-term debt: 20.7% and cash: 10.2% of total assets), but 61.6% of the assets are financed with debt.
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Signals
Four 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.4%
Return on assets
3.7%
Age of the figures
12 mo
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 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
15 d early
2023
27 d early
2022
32 d early
2021
32 d early
2020
1 d early
2019
7 d early
← 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 19 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Sint-Laureins, Construction sector
Equity
€136,063▲ 10.7%
2024 · €122,958
Total assets
€354,421▼ 9.9%
2024 · €393,151
Net result
€13,104
2024 · -€37,393
Working capital
€77,433▲ 36.7%
2024 · €56,654
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-€63,283€62,283€4,044▼ 93.5%-€25,883€24,317
Net result-€71,737below the sector's middle half€56,368above the sector's middle half-€4,451below the sector's middle half-€37,393below the sector's middle half▼ 740%€13,104within the sector's middle half
Equity€108,434within the sector's middle half▼ 39.8%€164,802above the sector's middle half▲ 52.0%€160,351above the sector's middle half▼ 2.7%€122,958within the sector's middle half▼ 23.3%€136,063within the sector's middle half▲ 10.7%
Total assets€387,374above the sector's middle half▼ 11.3%€465,247above the sector's middle half▲ 20.1%€470,514above the sector's middle half▲ 1.1%€393,151above the sector's middle half▼ 16.4%€354,421above the sector's middle half▼ 9.9%
Debt€278,940▲ 8.7%€300,445▲ 7.7%€310,163▲ 3.2%€270,193▼ 12.9%€218,358▼ 19.2%
Working capital€57,000▼ 61.1%€91,650▲ 60.8%€84,644▼ 7.6%€56,654▼ 33.1%€77,433▲ 36.7%
Solvency28.0%within the sector's middle half▼ 13.3pp35.4%within the sector's middle half▲ 7.4pp34.1%within the sector's middle half▼ 1.3pp31.3%within the sector's middle half▼ 2.8pp38.4%within the sector's middle half▲ 7.1pp
Staff (FTE)3.3▼ 34.0%5▲ 51.5%5.7▲ 14.0%4.3▼ 24.6%4.1▼ 4.7%
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24,317 after a loss of €25,883 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €354,421
Fixed assets
€203,738 ▼ 12.0%
Current assets
€150,682 ▼ 6.8%
Equity and liabilities €354,421
Equity
€136,063 ▲ 10.7%
Debt
€218,358 ▼ 19.2%
Debt's share of the balance-sheet total falls from 68.7% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52,021▲
2024 · €5,258
Cash flow
€40,808▲
2024 · -€6,252
Current ratio
2.06▲
2024 · 1.54
Quick ratio
1.85▲
2024 · 1.39
Debt to equity
1.60▼
2024 · 2.20
ROE
9.6%▲
2024 · -30.4%
ROA
3.7%▲
2024 · -9.5%
Interest coverage
4.88▲
2024 · 0.48
Debt ≤ 1 year
€73,250▼
2024 · €105,056
Debt > 1 year
€145,108▼
2024 · €165,137
Income taxes
€571▼
2024 · €636
Staff costs
€205,001▼
2024 · €267,134
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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%.
| 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 16,986 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €260,180 | €319,568 | €267,134 | €205,001 | ▼ 23.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,494 | €23,009 | €28,960 | €31,141 | €27,703 | ▼ 11.0% |
| Other operating charges640/8 | - | €6,130 | €6,186 | €7,168 | €6,418 | ▼ 10.5% |
| Gross operating margin9900 | €123,394 | €351,601 | €358,757 | €279,560 | €263,440 | ▼ 5.8% |
| Operating profit (loss)9901 | -€63,283 | €62,283 | €4,044 | -€25,883 | €24,317 | ▲ 194% |
| Financial income75/76B | - | €4,104 | €6 | €28 | €26 | ▼ 4.7% |
| Recurring financial income75 | €18 | €104 | €6 | €28 | €26 | ▼ 4.7% |
| Non-recurring financial income76B | - | €4,000 | - | - | - | - |
| Financial charges65/66B | - | €2,982 | €4,676 | €10,901 | €10,668 | ▼ 2.1% |
| Recurring financial charges65 | €2,819 | €2,982 | €4,676 | €10,901 | €10,668 | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | -€66,084 | €63,405 | -€626 | -€36,756 | €13,675 | ▲ 137% |
| Income taxes67/77 | €5,653 | €7,037 | €3,825 | €636 | €571 | ▼ 10.2% |
| Profit (loss) for the period9904 | -€71,737 | €56,368 | -€4,451 | -€37,393 | €13,104 | ▲ 135% |
| Profit (loss) for the period to be appropriated9905 | -€24,262 | €56,368 | -€4,451 | -€37,393 | €13,104 | ▲ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €387,374 | €465,247 | €470,514 | €393,151 | €354,421 | ▼ 9.9% |
| Fixed assets21/28 | €242,549 | €258,008 | €262,582 | €231,442 | €203,738 | ▼ 12.0% |
| Tangible fixed assets22/27 | €240,702 | €256,161 | €260,735 | €229,595 | €201,891 | ▼ 12.1% |
| Land and buildings22 | - | €205,514 | €195,345 | €185,177 | €175,277 | ▼ 5.3% |
| Plant, machinery and equipment23 | - | €1,624 | €451 | €0 | - | - |
| Furniture and vehicles24 | - | €49,023 | €64,939 | €44,417 | €26,614 | ▼ 40.1% |
| Financial fixed assets28 | €1,847 | €1,847 | €1,847 | €1,847 | €1,847 | = |
| Current assets29/58 | €144,826 | €207,240 | €207,932 | €161,710 | €150,682 | ▼ 6.8% |
| Stocks and contracts in progress3 | €26,631 | €21,765 | €38,366 | €16,143 | €14,984 | ▼ 7.2% |
| Stocks30/36 | - | €21,765 | €19,131 | €16,143 | €14,984 | ▼ 7.2% |
| Contracts in progress37 | - | - | €19,235 | €0 | - | - |
| Amounts receivable within one year40/41 | €62,734 | €121,609 | €158,701 | €141,282 | €98,373 | ▼ 30.4% |
| Trade receivables40 | - | €121,609 | €156,959 | €136,008 | €83,121 | ▼ 38.9% |
| Other amounts receivable41 | - | - | €1,742 | €5,275 | €15,252 | ▲ 189% |
| Cash at bank and in hand54/58 | €22,274 | €60,180 | €3,003 | €2,203 | €36,312 | ▲ 1,549% |
| Deferred charges and accrued income490/1 | - | €3,686 | €7,862 | €2,082 | €1,014 | ▼ 51.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €387,374 | €465,247 | €470,514 | €393,151 | €354,421 | ▼ 9.9% |
| Equity10/15 | €108,434 | €164,802 | €160,351 | €122,958 | €136,063 | ▲ 10.7% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €88,434 | €144,802 | €140,351 | €102,958 | €102,958 | = |
| Non-distributable reserves130/1 | - | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | - | - | - | - |
| Distributable reserves133 | - | €142,802 | €140,351 | €102,958 | €102,958 | = |
| Profit (loss) carried forward14 | -€11,207 | - | - | - | €13,104 | - |
| Amounts payable17/49 | €278,940 | €300,445 | €310,163 | €270,193 | €218,358 | ▼ 19.2% |
| Amounts payable after more than one year17 | €191,114 | €184,856 | €186,875 | €165,137 | €145,108 | ▼ 12.1% |
| Financial debts170/4 | - | €184,856 | €186,875 | €165,137 | €145,108 | ▼ 12.1% |
| Amounts payable within one year42/48 | €87,826 | €115,589 | €123,288 | €105,056 | €73,250 | ▼ 30.3% |
| Current portion of amounts payable after more than one year42 | - | €19,708 | €25,110 | €23,479 | €23,225 | ▼ 1.1% |
| Financial debts43 | - | - | €7,235 | €41,013 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €7,235 | €41,013 | €0 | ▼ 100% |
| Trade debts44 | €13,182 | €28,842 | €27,257 | €9,275 | €26,275 | ▲ 183% |
| Suppliers440/4 | - | €28,842 | €27,257 | €9,275 | €26,275 | ▲ 183% |
| Taxes, remuneration and social security45 | - | €16,342 | €15,766 | €8,651 | €9,786 | ▲ 13.1% |
| Taxes450/3 | - | €4,420 | €4,862 | €1,527 | €225 | ▼ 85.3% |
| Remuneration and social security454/9 | - | €11,922 | €10,904 | €7,124 | €9,561 | ▲ 34.2% |
| Other amounts payable47/48 | - | €50,697 | €47,920 | €22,638 | €13,964 | ▼ 38.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€71,737 | €56,368 | -€4,451 | -€37,393 | €13,104 | ▲ 135% |
| + Depreciation and write-downs630 | €17,494 | €23,009 | €28,960 | €31,141 | €27,703 | ▼ 11.0% |
| Operating cash flow (approximation) | -€54,242 | €79,377 | €24,509 | -€6,252 | €40,808 | ▲ 753% |
| Investment in fixed assets (approximation) | - | -€38,468 | -€33,535 | €0 | €0 | - |
| Change in cash | - | €37,906 | -€57,177 | -€800 | €34,109 | ▲ 4,363% |
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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €13,104
Net result €13,104 after 2 loss-making years.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €56,368
Net result €56,368 after one loss-making year.
30-09
Financial
Equity above €150,000Eq €164,802 ▲52%
Equity rises from €108,434 to €164,802.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet -€71,737
Net result drops to -€71,737, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €38,679
Net result €38,679 after one loss-making year.
30-09
Financial
Equity above €150,000Eq €180,171 ▲27.3%
Equity rises from €141,492 to €180,171.
Show earlier events
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 2.35
Current ratio from 0.96 to 2.35; short-term debt falls from €166,985 to €82,695.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-04
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 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Sint-Laureins · 1 establishment unit since 1992
Ground area
257 m²
Building footprint
205 m²
Volume, LiDAR
1,020 m³
Parcel 43015B0126/00X000, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHILDERWERKEN POLLE
since 19922.058.144.119
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43015B0126/00X000 | Flanders | 257 m² | 1 · 205 m² | 8.4 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesPOLLE BV19315
Similar companies · same sector, comparable size
AERIS
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DECORIC
BE 0405.400.909
Deerlijk · Eq €135,484
G-DECOR WOONINRICHTING
BE 0888.012.927
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F.B. INTERIEUR
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Izegem · Eq €136,886
Of 7,868 companies in sector 43341 we hold annual accounts for 2,666. 2,192 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
Founded19-05-1992
Fiscal year end30-09
Activities, NACEBEL 2025
43341Painting of buildings
Contact
E-mail
b.v.b.a.polle@telenet.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447430811
Also
9925:BE0447430811
Registered
29-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.