POLLET STEVE
ActiveSummary
POLLET STEVE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195,015 and a net result of €24,676. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 71% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+15
Solvency92▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 2.87 against 2.64 in 2024; short-term debt: 32.8% and cash: 61.2% of total assets), and 33.5% 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 · 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
66.5%
Return on assets
8.4%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
28 d late
2023
37 d early
2022
14 d early
2021
93 d early
2020
16 d early
2019
22 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 23 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 17 July (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€195,015▲ 14.5%
2024 · €170,339
Total assets
€293,133▲ 6.3%
2024 · €275,836
Net result
€24,676
2024 · -€10,951
Working capital
€179,356▲ 22.5%
2024 · €146,378
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€11,285▼ 79.6%€20,464▲ 81.3%-€18,746-€9,068▲ 51.6%€26,557
Net result€6,851within the sector's middle half▼ 81.7%€17,075within the sector's middle half▲ 149%-€19,161below the sector's middle half-€10,951below the sector's middle half▲ 42.8%€24,676within the sector's middle half
Equity€230,902above the sector's middle half▲ 3.1%€247,977above the sector's middle half▲ 7.4%€228,816above the sector's middle half▼ 7.7%€170,339above the sector's middle half▼ 25.6%€195,015above the sector's middle half▲ 14.5%
Total assets€284,278within the sector's middle half▲ 7.0%€359,918above the sector's middle half▲ 26.6%€338,935above the sector's middle half▼ 5.8%€275,836within the sector's middle half▼ 18.6%€293,133within the sector's middle half▲ 6.3%
Debt€53,376▲ 28.2%€111,942▲ 110%€110,119▼ 1.6%€105,497▼ 4.2%€98,117▼ 7.0%
Working capital€147,489above the sector's middle half▲ 34.4%€170,861above the sector's middle half▲ 15.8%€182,512above the sector's middle half▲ 6.8%€146,378above the sector's middle half▼ 19.8%€179,356above the sector's middle half▲ 22.5%
Solvency81.2%above the sector's middle half▼ 3.1pp68.9%above the sector's middle half▼ 12.3pp67.5%within the sector's middle half▼ 1.4pp61.8%within the sector's middle half▼ 5.8pp66.5%within the sector's middle half▲ 4.8pp
Current ratio3.79above the sector's middle half▲ 0.033.32above the sector's middle half▼ 0.473.18within the sector's middle half▼ 0.142.64within the sector's middle half▼ 0.542.87within the sector's middle half▲ 0.23
Return on assets (ROA)2.4%within the sector's middle half▼ 11.7pp4.7%within the sector's middle half▲ 2.3pp-5.7%below the sector's middle half▼ 10.4pp-4.0%below the sector's middle half▲ 1.7pp8.4%within the sector's middle half▲ 12.4pp
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: €26,557 after a loss of €9,068 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293,133
Fixed assets
€17,694 ▼ 56.0%
Current assets
€275,439 ▲ 16.9%
Equity and liabilities €293,133
Equity
€195,015 ▲ 14.5%
Debt
€98,117 ▼ 7.0%
Debt's share of the balance-sheet total falls from 38.2% to 33.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49,079▲
2024 · €23,647
Cash flow
€47,198▲
2024 · €21,764
Quick ratio
2.80▲
2024 · 2.57
Debt to equity
0.50▼
2024 · 0.62
ROE
12.7%▲
2024 · -6.4%
Interest coverage
96.56▲
2024 · 16.12
Debt ≤ 1 year
€96,082▲
2024 · €89,242
Debt > 1 year
€2,035▼
2024 · €14,193
Income taxes
€2,966▲
2024 · €510
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,338 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 34,696 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,244 | €44,300 | €42,797 | €32,715 | €22,522 | ▼ 31.2% |
| Other operating charges640/8 | €1,623 | €771 | €903 | €1,084 | €1,017 | ▼ 6.2% |
| Gross operating margin9900 | €45,152 | €65,535 | €24,954 | €24,731 | €50,096 | ▲ 103% |
| Operating profit (loss)9901 | €11,285 | €20,464 | -€18,746 | -€9,068 | €26,557 | ▲ 393% |
| Financial income75/76B | €596 | €5,848 | €352 | €94 | €1,594 | ▲ 1,596% |
| Recurring financial income75 | €596 | €5,848 | €352 | €94 | €1,594 | ▲ 1,596% |
| Financial charges65/66B | €2,029 | €810 | €772 | €1,467 | €508 | ▼ 65.4% |
| Recurring financial charges65 | €2,029 | €810 | €772 | €1,467 | €508 | ▼ 65.4% |
| Profit (loss) for the period before taxes9903 | €9,852 | €25,502 | -€19,166 | -€10,441 | €27,643 | ▲ 365% |
| Income taxes67/77 | €3,001 | €8,427 | -€5 | €510 | €2,966 | ▲ 481% |
| Profit (loss) for the period9904 | €6,851 | €17,075 | -€19,161 | -€10,951 | €24,676 | ▲ 325% |
| Profit (loss) for the period to be appropriated9905 | €6,851 | €17,075 | -€19,161 | -€10,951 | €24,676 | ▲ 325% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €284,278 | €359,918 | €338,935 | €275,836 | €293,133 | ▲ 6.3% |
| Fixed assets21/28 | €83,898 | €115,365 | €72,568 | €40,216 | €17,694 | ▼ 56.0% |
| Intangible fixed assets21 | €49,918 | €29,918 | €9,918 | €0 | - | - |
| Tangible fixed assets22/27 | €33,980 | €85,447 | €62,650 | €39,853 | €17,331 | ▼ 56.5% |
| Plant, machinery and equipment23 | €33,980 | €23,971 | €16,060 | €8,148 | €512 | ▼ 93.7% |
| Furniture and vehicles24 | - | €61,476 | €46,590 | €31,705 | €16,819 | ▼ 47.0% |
| Financial fixed assets28 | - | - | - | €363 | €363 | = |
| Current assets29/58 | €200,380 | €244,554 | €266,367 | €235,620 | €275,439 | ▲ 16.9% |
| Stocks and contracts in progress3 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Stocks30/36 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Amounts receivable within one year40/41 | €171,032 | €163,167 | €144,984 | €132,298 | €86,177 | ▼ 34.9% |
| Trade receivables40 | €159,573 | €152,244 | €130,253 | €132,298 | €66,771 | ▼ 49.5% |
| Other amounts receivable41 | €11,458 | €10,923 | €14,730 | €0 | €19,405 | - |
| Cash at bank and in hand54/58 | €19,972 | €71,681 | €111,508 | €93,649 | €179,424 | ▲ 91.6% |
| Deferred charges and accrued income490/1 | €3,376 | €3,706 | €3,875 | €3,672 | €3,838 | ▲ 4.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €284,278 | €359,918 | €338,935 | €275,836 | €293,133 | ▲ 6.3% |
| Equity10/15 | €230,902 | €247,977 | €228,816 | €170,339 | €195,015 | ▲ 14.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €130,681 | €147,756 | €147,756 | €100,230 | €124,906 | ▲ 24.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | €128,821 | €145,896 | €145,896 | €100,230 | €124,906 | ▲ 24.6% |
| Profit (loss) carried forward14 | €81,621 | €81,621 | €62,460 | €51,509 | €51,509 | = |
| Amounts payable17/49 | €53,376 | €111,942 | €110,119 | €105,497 | €98,117 | ▼ 7.0% |
| Amounts payable after more than one year17 | - | €38,249 | €26,264 | €14,193 | €2,035 | ▼ 85.7% |
| Financial debts170/4 | - | €38,249 | €26,264 | €14,193 | €2,035 | ▼ 85.7% |
| Amounts payable within one year42/48 | €52,891 | €73,692 | €83,855 | €89,242 | €96,082 | ▲ 7.7% |
| Current portion of amounts payable after more than one year42 | - | €11,899 | €11,985 | €12,071 | €12,158 | ▲ 0.7% |
| Trade debts44 | €36,304 | €48,621 | €56,585 | €52,061 | €63,326 | ▲ 21.6% |
| Suppliers440/4 | €36,304 | €48,621 | €56,585 | €52,061 | €63,326 | ▲ 21.6% |
| Taxes, remuneration and social security45 | €6,932 | €1,597 | €671 | €1,077 | €2,968 | ▲ 175% |
| Taxes450/3 | €6,932 | €0 | €671 | €1,077 | €2,968 | ▲ 175% |
| Remuneration and social security454/9 | €0 | €1,597 | €0 | - | - | - |
| Other amounts payable47/48 | €9,654 | €11,574 | €14,614 | €24,032 | €17,631 | ▼ 26.6% |
| Accrued charges and deferred income492/3 | €485 | €0 | - | €2,062 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,851 | €17,075 | -€19,161 | -€10,951 | €24,676 | ▲ 325% |
| + Depreciation and write-downs630 | €32,244 | €44,300 | €42,797 | €32,715 | €22,522 | ▼ 31.2% |
| Operating cash flow (approximation) | €39,095 | €61,374 | €23,636 | €21,764 | €47,198 | ▲ 117% |
| Investment in fixed assets (approximation) | - | -€75,767 | €0 | -€363 | €0 | ▲ 100% |
| Change in cash | - | €51,709 | €39,827 | -€17,859 | €85,775 | ▲ 580% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24,676
Net result €24,676 after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€19,161
Net result drops to -€19,161, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 3.76
Current ratio from 1.48 to 3.76; short-term debt falls from €187,731 to €39,797.
31-12
Financial
Equity above €200,000Eq €224,051 ▲20%
3 profitable years in a row build equity to €224,051.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150,000Eq €186,661 ▲24.8%
2 profitable years in a row build equity to €186,661.
Show earlier events
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Aalter · 1 establishment unit since 2014
Ground area
555 m²
Building footprint
124 m²
Volume, LiDAR
719 m³
Parcel 44029A0654/00A003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA Pollet Steve
since 20142.238.362.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44029A0654/00A003 | Flanders | 555 m² | 1 · 124 m² | 8.1 m · 2 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.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,139. 7,441 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
Founded29-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
43410Roofing work
46832Wholesale of timber
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0507774709
Also
0208:507774709
Also
9925:BE0507774709
Also
9925:BE507774709
Registered
06-04-2026
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.