POLSO
ActiveSummary
POLSO has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,242 and a net result of -€60,929. Equity has been growing by about 14% per year since 2018. Its solvency ranks better than 61% of 9,898 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-08-1990 Normal situation
- Activity
- Joinery installation NACE 43320and 4 others
- Establishment units
- 2.051.144.182 2840 Rumst, since 08-03-1991
- 2.282.731.286 8300 Knokke-Heist, since 01-01-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 06-04-2025
Board and ownership
- Gobien LanceManaging director
- Gobien PaulDirector · since 03-05-2022
- Lamont SonjaDirector · since 03-05-2022
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.8%
- Gross margin
- €5,614
- ▼ 94.7%
- Turnover
- ≈ €56,000
- estimated
- Loss
- €60,929
- Equity
- €87,242
- ▼ 41.1%
- Total assets
- €164,927
- ▼ 34.8%
- Employees on 31-12-2025
- 1
- =
Score breakdownraises riskLoss of €60,929 (financial year 2025)Sector: Specialised construction activities (NACE 43)lowers riskSize: total assets €164,927Founded in 1990Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 58% of them on solvency, 51% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 26-06-2026 at the NBB all 35 filings
Every figure per financial year
The operating result for 2025 is a loss of €56,864, after a profit of €48,705 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2024 | 31-12-2025 |
|---|---|---|
| Employees at the balance-sheet date | 1 | 1 |
| full-time | 0 | 0 |
| part-time | 1 | 1 |
| in full-time equivalents | 0.5 | 0.5 |
| Average over the year, in full-time equivalents | 0.5 | 0.5 |
| On a permanent contract | 1 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €6,689 | €5,503 | €42,684 | €159,380 | €3,372 |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €31,716 | €6,668 | €10,738 | €23,976 | €36,005 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €35,537 | €4,504 | ▼ 87.3% |
| Remuneration, social security and pensions62 | - | - | - | - | - | €13,044 | €22,871 | €24,175 | ▲ 5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31,832 | €33,580 | €32,874 | €31,716 | €6,668 | €10,738 | €23,976 | €36,005 | ▲ 50.2% |
| Other operating charges640/8 | - | - | - | €1,680 | €2,870 | €2,468 | €2,870 | €2,298 | ▼ 19.9% |
| Non-recurring operating charges66A | - | - | - | - | - | €5,405 | €8,281 | €0 | ▼ 100% |
| Gross operating margin9900 | €85,637 | €29,354 | €91,933 | €23,824 | €42,103 | €46,653 | €106,702 | €5,614 | ▼ 94.7% |
| Operating profit (loss)9901 | €51,230 | -€6,931 | €57,426 | -€9,572 | €32,564 | €14,997 | €48,705 | -€56,864 | - |
| Financial income75/76B | - | - | - | - | - | €1,546 | €45 | €0 | ▼ 100% |
| Recurring financial income75 | €25 | - | - | - | - | €1,546 | €45 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €426 | €751 | €1,876 | €5,060 | €3,755 | ▼ 25.8% |
| Recurring financial charges65 | €1,721 | €1,047 | €574 | €426 | €751 | €1,876 | €5,060 | €3,755 | ▼ 25.8% |
| Profit (loss) for the period before taxes9903 | €51,123 | -€7,978 | €56,852 | -€9,998 | €31,814 | €14,668 | €43,690 | -€60,619 | - |
| Income taxes67/77 | €4,407 | €318 | €12,236 | €254 | €7,625 | €4,370 | €12,050 | €310 | ▼ 97.4% |
| Profit (loss) for the period9904 | €46,715 | -€8,296 | €44,616 | -€10,252 | €24,189 | €10,298 | €31,640 | -€60,929 | - |
| Profit (loss) for the period to be appropriated9905 | €46,715 | -€8,296 | €44,616 | -€10,252 | €24,189 | €10,298 | €31,640 | -€60,929 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €179,733 | €155,134 | €140,571 | €128,438 | €147,732 | €159,006 | €252,862 | €164,927 | ▼ 34.8% |
| Fixed assets21/28 | €90,424 | €65,784 | €40,933 | €15,906 | €14,740 | €41,281 | €148,156 | €115,523 | ▼ 22.0% |
| Tangible fixed assets22/27 | €90,424 | €65,784 | €40,933 | €15,906 | €14,740 | €41,281 | €148,156 | €115,523 | ▼ 22.0% |
| Plant, machinery and equipment23 | - | - | - | €3,286 | €3,688 | €3,399 | €4,400 | €4,023 | ▼ 8.6% |
| Furniture and vehicles24 | - | - | - | €736 | €1,217 | €29,106 | €135,774 | €104,818 | ▼ 22.8% |
| Other tangible fixed assets26 | - | - | - | €11,884 | €9,835 | €8,777 | €7,982 | €6,682 | ▼ 16.3% |
| Current assets29/58 | €89,308 | €89,350 | €99,639 | €112,532 | €132,992 | €117,725 | €104,706 | €49,404 | ▼ 52.8% |
| Stocks and contracts in progress3 | €20,948 | €11,190 | €31,263 | €6,166 | €3,402 | €320 | €0 | - | - |
| Stocks30/36 | - | - | - | €6,166 | €3,402 | €320 | €0 | - | - |
| Amounts receivable within one year40/41 | €10,079 | €23,943 | €21,150 | €89,040 | €107,696 | €15,554 | €22,073 | €33,204 | ▲ 50.4% |
| Trade receivables40 | - | - | - | €72,751 | €90,741 | €7,490 | €12,135 | €3,029 | ▼ 75.0% |
| Other amounts receivable41 | - | - | - | €16,289 | €16,955 | €8,064 | €9,938 | €30,175 | ▲ 204% |
| Cash at bank and in hand54/58 | €54,210 | €50,879 | €43,046 | €13,669 | €20,459 | €98,123 | €82,574 | €16,154 | ▼ 80.4% |
| Deferred charges and accrued income490/1 | - | - | - | €3,657 | €1,435 | €3,729 | €59 | €45 | ▼ 22.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €179,733 | €155,134 | €140,571 | €128,438 | €147,732 | €159,006 | €252,862 | €164,927 | ▼ 34.8% |
| Equity10/15 | €55,976 | €47,680 | €92,297 | €82,045 | €106,234 | €116,532 | €148,171 | €87,242 | ▼ 41.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €3,940 | €3,940 | €30,297 | €26,977 | €44,234 | €54,532 | €86,171 | €86,171 | = |
| Non-distributable reserves130/1 | - | - | - | €2,851 | €4,061 | €4,576 | €6,158 | €6,158 | = |
| Legal reserve130 | - | - | - | €2,851 | €4,061 | €4,576 | €6,158 | €6,158 | = |
| Distributable reserves133 | - | - | - | €24,126 | €40,173 | €49,956 | €80,013 | €80,013 | = |
| Profit (loss) carried forward14 | -€9,964 | -€18,259 | - | -€6,932 | - | - | - | -€60,929 | - |
| Amounts payable17/49 | €123,757 | €107,454 | €48,274 | €46,393 | €41,498 | €42,474 | €104,691 | €77,684 | ▼ 25.8% |
| Amounts payable after more than one year17 | €16,948 | €5,500 | €796 | - | - | €17,710 | €65,270 | €41,504 | ▼ 36.4% |
| Financial debts170/4 | - | - | - | - | - | €17,710 | €65,270 | €41,504 | ▼ 36.4% |
| Amounts payable within one year42/48 | €106,809 | €101,704 | €47,478 | €46,393 | €41,498 | €24,765 | €39,420 | €36,181 | ▼ 8.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €27,646 | €26,850 | €7,123 | €24,705 | €25,616 | ▲ 3.7% |
| Trade debts44 | €1,126 | €8,414 | €526 | €6,739 | €2,772 | €6,584 | €1,775 | €2,034 | ▲ 14.6% |
| Suppliers440/4 | - | - | - | €6,739 | €2,772 | €6,584 | €1,775 | €2,034 | ▲ 14.6% |
| Taxes, remuneration and social security45 | - | - | - | €3,330 | €5,425 | €3,480 | €5,789 | €8,530 | ▲ 47.4% |
| Taxes450/3 | - | - | - | - | €5,425 | €3,480 | €3,392 | €5,708 | ▲ 68.2% |
| Remuneration and social security454/9 | - | - | - | €3,330 | - | - | €2,396 | €2,823 | ▲ 17.8% |
| Other amounts payable47/48 | - | - | - | €8,678 | €6,452 | €7,578 | €7,152 | €0 | ▼ 100% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,715 | -€8,296 | €44,616 | -€10,252 | €24,189 | €10,298 | €31,640 | -€60,929 | - |
| + Depreciation and write-downs630 | €31,832 | €33,580 | €32,874 | €31,716 | €6,668 | €10,738 | €23,976 | €36,005 | ▲ 50.2% |
| Operating cash flow (approximation) | €78,547 | €25,285 | €77,490 | €21,464 | €30,857 | €21,036 | €55,616 | -€24,924 | - |
| Investment in fixed assets (approximation) | - | -€8,940 | -€8,023 | -€6,689 | -€5,503 | -€37,278 | -€130,851 | -€3,372 | ▲ 97.4% |
| Change in cash | - | -€3,331 | -€7,833 | -€29,377 | €6,790 | €77,663 | -€15,548 | -€66,420 | ▼ 327% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 5,831 companies had the same profile as POLSO has now. Two years later, 84.6% were still going and 1.7% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of POLSO itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for POLSO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 35 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 26-06-2026 | 2026-00202156 | |
| 31-12-2024 | micro format | 07-07-2025 | 2025-00235614 | |
| 31-12-2023 | micro format | 11-06-2024 | 2024-00120469 | |
| 31-12-2022 | micro format | 05-07-2023 | 2023-00202398 | |
| 31-12-2021 | micro format | 18-07-2022 | 2022-20194612 | |
| 31-12-2020 | micro format | 09-07-2021 | 2021-32800359 | |
| 31-12-2019 | micro format | 29-06-2020 | 2020-21400399 | |
| 31-12-2018 | micro format | 02-07-2019 | 2019-26200223 | |
| 31-12-2017 | micro format | 28-06-2018 | 2018-23700331 | |
| 31-12-2016 | micro format | 27-06-2017 | 2017-21200022 |
Board & ownership
Directors
Board 3
Day-to-day management 1
Owners and capital
Capital transactions
- 17-07-2023 Capital stated in the deed · €62,000 · 125 shares
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Gobien Lance |
|
| Gobien Paul |
|
| Lamont Sonja |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “13, hoogstens zes jaar”“13, kennisgeving”“18, alleen algemene vergadering bevoegd”“Bestuurder, 21”
Articles of association, deed of 17-07-2023 (in Dutch)
Network & group
POLSO shares no director with another company.
Companies at the same address
1 other companyConnections & network
3 current directorsThe network starts from the directors of POLSO. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
17-07
Gazette deed
Purpose · Amendment of the articlesPurpose change · Capital4 points ▸
- General meeting, “buitengewone algemene vergadering van de naamloze vennootschap POLSO” (deed in Dutch)
- Purpose change
- Amendment of the articles
- Capital, “euro 62.000” (deed in Dutch)
10-10
Gazette deed
3 directors resigning, 4 reappointedResignations: Gobien Lance, Gobien Paul and Lamont Sonja · Reappointments: Gobien Lance, Gobien Paul and Lamont Sonja · Director discharge11 points ▸
- General meeting, 03-05-2022
- Director resignation, Gobien Lance (director)
- Director resignation, Gobien Paul (director)
- Director resignation, Lamont Sonja (director)
- Director discharge, Gobien Lance (director)
- Director discharge, Gobien Paul (director)
- Director discharge, Lamont Sonja (director)
- Director reappointment, Gobien Lance (director)
- Director reappointment, Gobien Paul (director)
- Director reappointment, Lamont Sonja (director)
- Director reappointment, Gobien Lance (afgevaardigd bestuurder)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
21 activities
- De in en verkoop, import en export, groot- en kleinhandel van alle mogelijke producten, waaronder alle textielproducten, allerhande onderhoudsproducten, lederwaren, speelgoed, huishoudgereedschappen, artikelen in plastiek, fonoplaten, cassettes, groenten, fruit, namaakjuwelen, voedingsproducten, schoeisels en producten voor het vervaardigen ervan, pelterijen, marokijnwaren, horlogemakers-artikelen, bloemen, niet-optische zonnebrillen en elektrotoestellen
- Consulting met betrekking tot bouw en interieuradvies
- Groot en kleinhandel en bemiddeling in alles wat de bouw betreft
- De aankoop en verkoop, de groot en kleinhandel, de invoer en uitvoer van nieuwe en tweedehandse personen- en vrachtwagens, motorrijwielen, aanhangwagens en voertuigen van alle types, met alle onderdelen en bijhorigheden
- Het herstellen en onderhouden, het verhuren en bergen van alle voertuigen, alsmede de aankoop en verkoop van brandstoffen, oliën en vetten
- Alle carrosserie en mechanische werken en alles wat hiermee rechtstreeks of onrechtstreeks verband houdt
- Zo voor haar eigen rekening als voor rekening van derden, in België en/of in het buitenland, alleen of in samenwerking met derden: alle onroerende verrichtingen, inzonderheid de constructie, de aankoop, verkoop, ruiling, verhuring, onroerende leasing, promotie, makelarij, het beheer en de uitbating; om het even welke industriële, handels, financiële, roerende of onroerende handelingen te stellen die rechtstreeks of onrechtstreeks betrekking hebben op het oordeelkundig beheer van onroerend patrimonium; de activiteiten van bemiddelaar met het oog op de verkoop, aankoop, ruil, verhuring van onroerende goederen, onroerende rechten of handelsfondsen. Dit alles voor zover voldaan is aan alle wettelijke of reglementaire vereisten terzake.
- Handel in eigen onroerend goed
- De renovatie van residentieel en niet residentieel vastgoed
- Plaatsen van vloer- en wandtegels
- Uitvoeren van schilderwerken aan gebouwen
- Uitvoeren van elektrotechnische installatiewerken aan gebouwen
- Uitvoeren van loodgieterswerk
- Uitvoeren van stukadoorswerk
- Plaatsen van tussenwanden van gipsplaat
- Uitvoeren van schrijnwerk
- Uitvoeren van metselwerken
- Uitvoeren van isolatiewerkzaamheden
- Waterdicht maken van muren
- Algemeen reinigen van gebouwen, onder andere na het beëindigen van de bouwwerkzaamheden
- Ontwikkelen van residentiële bouwprojecten
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0441.598.240
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31013A0898/00A000 | Flanders | 527 m² | 1 · 527 m² | 23.5 m · 5 |
| 11037D0313/00R014 | Flanders | 127 m² | 1 · 127 m² | 11.7 m · 3 |