POLTER
ActiveSummary
POLTER has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€72,749) and a net result of -€19,181. Equity is shrinking by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 10% of 14258 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-1
Solvency8▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.43 against 1.36 in 2024; short-term debt: 52.2% and cash: 3% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-17.2%
Return on assets
-4.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€72,749
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
29 d late
2022
28 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 28 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€72,749▼ 35.8%
2024 · -€53,568
Total assets
€424,027▲ 17.8%
2024 · €359,841
Net result
-€19,181▼ 38.5%
2024 · -€13,849
Working capital
€95,179▲ 43.2%
2024 · €66,446
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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-€23,061--€11,060▲ 52.0%-€4,739▲ 57.2%-€13,750▼ 190%-€18,909▼ 37.5%
Net result-€27,376below the sector's middle half--€11,723below the sector's middle half▲ 57.2%-€5,620within the sector's middle half▲ 52.1%-€13,849below the sector's middle half▼ 146%-€19,181below the sector's middle half▼ 38.5%
Equity-€22,376below the sector's middle half--€34,099below the sector's middle half▼ 52.4%-€39,719below the sector's middle half▼ 16.5%-€53,568below the sector's middle half▼ 34.9%-€72,749below the sector's middle half▼ 35.8%
Total assets€80,366below the sector's middle half-€154,069within the sector's middle half▲ 91.7%€241,105within the sector's middle half▲ 56.5%€359,841within the sector's middle half▲ 49.2%€424,027within the sector's middle half▲ 17.8%
Debt€102,742-€188,169▲ 83.1%€280,824▲ 49.2%€413,409▲ 47.2%€496,776▲ 20.2%
Working capital€28,469within the sector's middle half-€48,418within the sector's middle half▲ 70.1%€62,897within the sector's middle half▲ 29.9%€66,446within the sector's middle half▲ 5.6%€95,179within the sector's middle half▲ 43.2%
Solvency-27.8%below the sector's middle half--22.1%below the sector's middle half▲ 5.7pp-16.5%below the sector's middle half▲ 5.7pp-14.9%below the sector's middle half▲ 1.6pp-17.2%below the sector's middle half▼ 2.3pp
Current ratio1.56within the sector's middle half-1.46within the sector's middle half▼ 0.101.60within the sector's middle half▲ 0.131.36within the sector's middle half▼ 0.241.43within the sector's middle half▲ 0.07
Return on assets (ROA)-34.1%below the sector's middle half--7.6%below the sector's middle half▲ 26.5pp-2.3%within the sector's middle half▲ 5.3pp-3.8%below the sector's middle half▼ 1.5pp-4.5%below the sector's middle half▼ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate 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 stays negative: a loss of €18,909 in 2025 against €13,750 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424,027
Fixed assets
€107,447 ▲ 0.3%
Current assets
€316,580 ▲ 25.2%
Key figures and ratios
EBITDA
-€11,742▼
2024 · -€8,266
Cash flow
-€12,014▼
2024 · -€8,364
Quick ratio
1.38▲
2024 · 1.30
Debt to equity
-6.83▲
2024 · -7.72
Interest coverage
-13.79▼
2024 · -9.99
Debt ≤ 1 year
€221,401▲
2024 · €186,323
Debt > 1 year
€275,000▲
2024 · €225,000
Income taxes
€176▲
2024 · €140
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,564 companies that looked in July 2024 the way this one looks now, 5.1% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a small loss
5.1%
went bankrupt
5.4%
stopped otherwise
89%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% 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 1,564 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 | €41 | €374 | €1,413 | €5,484 | €7,167 | ▲ 30.7% |
| Other operating charges640/8 | €526 | €1,778 | €2,162 | €1,563 | €1,292 | ▼ 17.3% |
| Gross operating margin9900 | -€22,494 | -€8,908 | -€1,164 | -€6,703 | -€10,450 | ▼ 55.9% |
| Operating profit (loss)9901 | -€23,061 | -€11,060 | -€4,739 | -€13,750 | -€18,909 | ▼ 37.5% |
| Financial income75/76B | - | €116 | €139 | €869 | €756 | ▼ 13.1% |
| Recurring financial income75 | - | €116 | €139 | €869 | €756 | ▼ 13.1% |
| Financial charges65/66B | €4,183 | €667 | €896 | €828 | €852 | ▲ 2.9% |
| Recurring financial charges65 | €4,183 | €667 | €896 | €828 | €852 | ▲ 2.9% |
| Profit (loss) for the period before taxes9903 | -€27,244 | -€11,611 | -€5,496 | -€13,709 | -€19,005 | ▼ 38.6% |
| Income taxes67/77 | €132 | €112 | €123 | €140 | €176 | ▲ 26.2% |
| Profit (loss) for the period9904 | -€27,376 | -€11,723 | -€5,620 | -€13,849 | -€19,181 | ▼ 38.5% |
| Profit (loss) for the period to be appropriated9905 | -€27,376 | -€11,723 | -€5,620 | -€13,849 | -€19,181 | ▼ 38.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €80,366 | €154,069 | €241,105 | €359,841 | €424,027 | ▲ 17.8% |
| Fixed assets21/28 | €1,080 | €1,207 | €73,068 | €107,073 | €107,447 | ▲ 0.3% |
| Tangible fixed assets22/27 | €1,080 | €707 | €72,568 | €106,573 | €107,447 | ▲ 0.8% |
| Furniture and vehicles24 | €1,080 | €707 | €333 | €7,381 | €11,111 | ▲ 50.5% |
| Other tangible fixed assets26 | - | - | €72,235 | €99,192 | €96,336 | ▼ 2.9% |
| Financial fixed assets28 | - | €500 | €500 | €500 | €0 | ▼ 100% |
| Current assets29/58 | €79,286 | €152,863 | €168,038 | €252,768 | €316,580 | ▲ 25.2% |
| Stocks and contracts in progress3 | €791 | €791 | €791 | €10,194 | €10,194 | = |
| Stocks30/36 | €791 | €791 | €791 | €10,194 | €10,194 | = |
| Amounts receivable within one year40/41 | €2,147 | €10,419 | €16,767 | €25,023 | €34,426 | ▲ 37.6% |
| Trade receivables40 | - | - | - | €6,189 | €6,189 | = |
| Other amounts receivable41 | €2,147 | €10,419 | €16,767 | €18,835 | €28,237 | ▲ 49.9% |
| Cash at bank and in hand54/58 | €17,159 | €35,056 | €14,408 | €1,153 | €12,788 | ▲ 1,009% |
| Deferred charges and accrued income490/1 | €59,189 | €106,597 | €136,072 | €216,398 | €259,172 | ▲ 19.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €80,366 | €154,069 | €241,105 | €359,841 | €424,027 | ▲ 17.8% |
| Equity10/15 | -€22,376 | -€34,099 | -€39,719 | -€53,568 | -€72,749 | ▼ 35.8% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€27,376 | -€39,099 | -€44,719 | -€58,568 | -€77,749 | ▼ 32.8% |
| Amounts payable17/49 | €102,742 | €188,169 | €280,824 | €413,409 | €496,776 | ▲ 20.2% |
| Amounts payable after more than one year17 | €51,925 | €83,080 | €175,684 | €225,000 | €275,000 | ▲ 22.2% |
| Financial debts170/4 | €51,925 | €83,080 | €175,684 | €225,000 | €275,000 | ▲ 22.2% |
| Amounts payable within one year42/48 | €50,817 | €104,445 | €105,141 | €186,323 | €221,401 | ▲ 18.8% |
| Financial debts43 | €50,000 | €100,000 | €100,000 | €125,000 | €175,000 | ▲ 40.0% |
| Credit institutions430/8 | €50,000 | €100,000 | €100,000 | €125,000 | €175,000 | ▲ 40.0% |
| Trade debts44 | €398 | €4,090 | €4,749 | €60,514 | €45,938 | ▼ 24.1% |
| Suppliers440/4 | €398 | €4,090 | €4,749 | €60,514 | €45,938 | ▼ 24.1% |
| Taxes, remuneration and social security45 | €420 | €355 | €391 | €809 | €463 | ▼ 42.8% |
| Taxes450/3 | €420 | €355 | €391 | €809 | €463 | ▼ 42.8% |
| Accrued charges and deferred income492/3 | - | €644 | €0 | €2,087 | €375 | ▼ 82.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€27,376 | -€11,723 | -€5,620 | -€13,849 | -€19,181 | ▼ 38.5% |
| + Depreciation and write-downs630 | €41 | €374 | €1,413 | €5,484 | €7,167 | ▲ 30.7% |
| Operating cash flow (approximation) | -€27,335 | -€11,350 | -€4,207 | -€8,364 | -€12,014 | ▼ 43.6% |
| Investment in fixed assets (approximation) | - | -€500 | -€73,274 | -€39,490 | -€7,541 | ▲ 80.9% |
| Change in cash | - | €17,897 | -€20,648 | -€13,255 | €11,635 | ▲ 188% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Mouscron · 1 establishment unit since 2020
Ground area
854 m²
Building footprint
124 m²
Volume, LiDAR
586 m³
Parcel 54003T0232/00A000, Wallonia · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
POLTER
since 20202.308.869.323
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003T0232/00A000 | Wallonia | 854 m² | 1 · 124 m² | 6.2 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.
Similar companies · same sector and region
AD IMMOBILIER
BE 0847.773.070
Mouscron
AMGATH
BE 0567.761.982
Mouscron
ARSICA
BE 0832.932.466
Mouscron
DS CONSULT
BE 0724.584.456
Mouscron
SOCIETE DE DEVELOPPEMENT GOBYN ALEXANDRE
BE 0479.578.391
Mouscron
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0754968618
Also
9925:BE0754968618
Registered
16-04-2026
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.