POLSO
ActivePOLSO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €148k and a net result of €32k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 36384 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +14 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+56
Solvency98▼-2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.66 against 4.75 in 2023), and 41.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
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 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
50 d early
2022
26 d early
2021
13 d early
2020
22 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€148k▲ 27.2%
2023 · €117k
2018: €56k
2019: €48k
2020: €92k
2021: €82k
2022: €106k
2023: €117k
2018 → 2024
Total assets
€253k▲ 59.0%
2023 · €159k
2018: €180k
2019: €155k
2020: €141k
2021: €128k
2022: €148k
2023: €159k
2018 → 2024
Net result
€32k▲ 207%
2023 · €10k
2018: €47k
2019: €-8k
2020: €45k
2021: €-10k
2022: €24k
2023: €10k
2018 → 2024
Working capital
€65k▼ 29.8%
2023 · €93k
2018: €-18k
2019: €-12k
2020: €52k
2021: €66k
2022: €91k
2023: €93k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€92k-€82k▼ 11.1%€106k▲ 29.5%€117k▲ 9.7%€148k▲ 27.2%
Operating result€57k-€-10k€33k€15k▼ 53.9%€49k▲ 225%
Net result€45k-€-10k€24k€10k▼ 57.4%€32k▲ 207%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 225% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €253k
Fixed assets
€148k▲ 259%
Current assets
€105k▼ 11.1%
Equity and liabilities €253k
Equity
€148k▲ 27.2%
Debt
€105k▲ 146%
The debt ratio rises from 26.7% to 41.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€73k▲
2023 · €26k
Cash flow
€56k▲
2023 · €21k
Solvency
58.6%▼
2023 · 73.3%
Current ratio
2.66▼
2023 · 4.75
Quick ratio
2.66▼
2023 · 4.74
Debt / equity
0.71▲
2023 · 0.36
ROE
21.4%▲
2023 · 8.8%
ROA
12.5%▲
2023 · 6.5%
Interest coverage
14.36▲
2023 · 13.72
Debt
€105k▲
2023 · €42k
Debt ≤ 1 year
€39k▲
2023 · €25k
Debt > 1 year
€65k▲
2023 · €18k
Income taxes
€12k▲
2023 · €4k
Staff costs
€23k▲
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€159k€253k▲
Fixed assets21/28€41k€148k▲
Tangible fixed assets22/27€41k€148k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€29k€136k▲
Other tangible fixed assets26€9k€8k▼
Current assets29/58€118k€105k▼
Stocks and contracts in progress3€320€0▼
Stocks30/36€320€0▼
Amounts receivable within one year40/41€16k€22k▲
Trade receivables40€7k€12k▲
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€98k€83k▼
Deferred charges and accrued income490/1€4k€59▼
Equity and liabilities
Total equity and liabilities10/49€159k€253k▲
Equity10/15€117k€148k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€55k€86k▲
Non-distributable reserves130/1€5k€6k▲
Legal reserve130€5k€6k▲
Distributable reserves133€50k€80k▲
Amounts payable17/49€42k€105k▲
Amounts payable after more than one year17€18k€65k▲
Financial debts170/4€18k€65k▲
Amounts payable within one year42/48€25k€39k▲
Current portion of amounts payable after more than one year42€7k€25k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€8k€7k▼
Income statement
Code20232024
Non-recurring operating income76A-€36k
Remuneration, social security and pensions62€13k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€24k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€5k€8k▲
Gross operating margin9900€47k€107k▲
Operating profit (loss)9901€15k€49k▲
Financial income75/76B€2k€45▼
Recurring financial income75€2k€45▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€15k€44k▲
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€10k€32k▲
Profit (loss) for the period to be appropriated9905€10k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€32k▲
Transfer to equity691/2€10k€32k▲
To the legal reserve6920€515€2k▲
To other reserves6921€10k€30k▲
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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Equity above €100kEq €106k ▲29.5%
Equity rises from €82k to €106k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-10k ▼123%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.10
Current ratio from 0.88 to 2.10; short-term debt falls from €102k to €47k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-10-2022
Gobien Lance: Resigned as Director
10-10-2022
Gobien Paul: Resigned as Director
10-10-2022
Lamont Sonja: Resigned as Director
Not every act has been read: a resignation may be missing here
7 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Rumst · 2 establishment units since 1991
Ground area
654 m²
Building footprint
654 m²
Volume, LiDAR
7,724 m³
2 parcels, Flanders · tallest building 23.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Tuinwijk 121, 2840 Rumst
since 19912.051.144.182
POLSO
since 20192.282.731.286
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0898/00A000 | Flanders | 527 m² | 1 · 527 m² | 23.5 m · 5 fl. |
| 11037D0313/00R014 | Flanders | 127 m² | 1 · 127 m² | 11.7 m · 3 fl. |
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 19,936 companies in sector 43320 we hold annual accounts for 9,065. 7,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-08-1990
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
46831Wholesale of construction materials, general range
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.