Financials · financial year 2025, micro format
Annual accounts 2025 filed on 11-06-2026 PDF all 17 filings
Equity
€346,549▼ 37.5%
2024 · €554,548
Net result
-€207,999▼ 42.5%
2024 · -€145,997
Total assets
€4.4m▼ 4.1%
2024 · €4.6m
Solvency
7.8%▼ 4.2pp
2024 · 12.0%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a loss of €103,131, larger than the loss of €83,371 in 2024. It is the lowest result since 2021.
Operating result-€0.1m
2025
Net result-€0.2m
2025
Total assets€4.4m
2025
Equity€0.3m
2025
Debt€4.1m
2025
Working capital€0.3m
2025
Return on assets (ROA)-4.7%
2025
Solvency7.8%
2025
Current ratio1.08
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€0.05m--€0.06m▼ 16.5%-€0.07m▼ 17.8%-€0.08m▼ 2.8%-€0.1m▼ 26.2%-€0.09m▲ 10.1%-€0.08m▲ 2.8%-€0.1m▼ 23.7%
Net result-€0.3m-€0.3m-€0.3mbelow the sector's middle half€0.1mabove the sector's middle half-€0.2mbelow the sector's middle half€0.2mabove the sector's middle half-€0.1mbelow the sector's middle half-€0.2mbelow the sector's middle half▼ 42.5%
Equity€0.6m-€0.9m▲ 40.8%€0.7mabove the sector's middle half▼ 27.9%€0.7mabove the sector's middle half▲ 14.6%€0.5mabove the sector's middle half▼ 32.5%€0.7mabove the sector's middle half▲ 38.6%€0.6mabove the sector's middle half▼ 20.8%€0.3mwithin the sector's middle half▼ 37.5%
Total assets€4.7m-€5.0m▲ 5.0%€4.7mabove the sector's middle half▼ 5.6%€4.8mabove the sector's middle half▲ 2.2%€4.6mabove the sector's middle half▼ 5.0%€4.8mabove the sector's middle half▲ 4.4%€4.6mabove the sector's middle half▼ 3.1%€4.4mabove the sector's middle half▼ 4.1%
Debt€4.1m-€4.1m▼ 0.6%€4.1m▼ 0.6%€4.1m▲ 0.2%€4.1m▲ 0.1%€4.1m▲ 0.2%€4.1m▼ 0.1%€4.1m▲ 0.5%
Working capital€0.6m-€0.9m▲ 40.9%€0.7mabove the sector's middle half▼ 27.5%€0.8mabove the sector's middle half▲ 14.4%€0.5mabove the sector's middle half▼ 38.0%€0.7mabove the sector's middle half▲ 42.7%€0.5mabove the sector's middle half▼ 22.0%€0.3mabove the sector's middle half▼ 40.1%
Solvency13.6%-18.2%▲ 4.6pp13.9%below the sector's middle half▼ 4.3pp15.6%below the sector's middle half▲ 1.7pp11.1%below the sector's middle half▼ 4.5pp14.7%below the sector's middle half▲ 3.6pp12.0%below the sector's middle half▼ 2.7pp7.8%below the sector's middle half▼ 4.2pp
Current ratio1.16-1.22▲ 0.071.16within the sector's middle half▼ 0.061.19within the sector's middle half▲ 0.021.12within the sector's middle half▼ 0.071.17within the sector's middle half▲ 0.051.13within the sector's middle half▼ 0.041.08within the sector's middle half▼ 0.05
Return on assets (ROA)-7.1%-5.3%▲ 12.4pp-5.4%below the sector's middle half▼ 10.6pp2.0%within the sector's middle half▲ 7.4pp-5.3%below the sector's middle half▼ 7.3pp4.1%within the sector's middle half▲ 9.4pp-3.2%below the sector's middle half▼ 7.2pp-4.7%below the sector's middle half▼ 1.5pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.4m
Fixed assets
€50,000 =
Current assets
€4.4m ▼ 4.1%
Equity and liabilities €4.4m
Equity
€346,549 ▼ 37.5%
Debt
€4.1m ▲ 0.5%
Debt's share of the balance-sheet total rises from 88.0% to 92.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-60.0%▼
2024 · -26.3%
Debt ≤ 1 year
€4.1m▲
2024 · €4.1m
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Comparable companies
These companies have the same main activity as POLUMAVIO: other financial services (NACE 64999). They are comparable in size and age: total assets between €2.3m and €7.8m, founded between 1997 and 2012.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| POLUMAVIO Tournai | 2008 | €4.4m | €0.3m | -€0.1m | -€0.2m | 2025 |
| BRAZZ SAUVAGE Brugge | 2010 | €5.7m | €3.7m | -€0.2m | -€0.4m | 2024 |
| ANGOT INVESTISSEMENT GESTION Mouscron | 2001 | €2.6m | €2.6m | -€0.002m | €0.01m | 2025 |
| HUMMINGBIRD MANAGEMENT Sint-Joost-ten-Node | 2012 | €7.8m | €7.8m | -€4.0m | €21.3m | 2025 |
| Holding P.P.H. Anderlecht | 1999 | €5.1m | €5.1m | -€0.005m | -€0.006m | 2025 |
| CUBERDONIË Aalter | 2011 | €2.3m | €1.8m | -€0.03m | -€0.02m | 2025 |
| J & C MANAGEMENT SERVICES Keerbergen | 1997 | €4.5m | €2.9m | -€0.08m | -€0.08m | 2026 |
They were chosen from the 492 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | - | €7,847 | - | €209 | €7,230 | ▲ 35× |
| Gross operating margin9900 | -€53,645 | -€62,485 | -€73,578 | -€75,647 | -€87,603 | -€85,785 | -€83,162 | -€95,901 | ▼ 15.3% |
| Operating profit (loss)9901 | -€53,645 | -€62,485 | -€73,578 | -€75,647 | -€95,450 | -€85,785 | -€83,371 | -€103,131 | ▼ 23.7% |
| Financial income75/76B | - | - | - | €197,700 | €112,882 | €382,843 | €118,865 | €91,090 | ▼ 23.4% |
| Recurring financial income75 | €81,848 | €171,889 | €131,668 | €197,700 | €112,882 | €382,843 | €118,865 | €91,090 | ▼ 23.4% |
| Financial charges65/66B | - | - | - | €24,983 | €260,803 | €93,720 | €181,490 | €195,958 | ▲ 8.0% |
| Recurring financial charges65 | €362,320 | -€183,391 | €310,545 | €24,983 | €260,803 | €93,720 | €181,490 | €195,958 | ▲ 8.0% |
| Profit (loss) for the period before taxes9903 | -€334,116 | €292,795 | -€252,455 | €97,070 | -€243,371 | €203,338 | -€145,997 | -€207,999 | ▼ 42.5% |
| Income taxes67/77 | €3,121 | €29,937 | €723 | €1,692 | - | €8,336 | - | - | - |
| Profit (loss) for the period9904 | -€337,237 | €262,858 | -€253,179 | €95,379 | -€243,371 | €195,002 | -€145,997 | -€207,999 | ▼ 42.5% |
| Profit (loss) for the period to be appropriated9905 | -€337,237 | €262,858 | -€253,179 | €95,379 | -€243,371 | €195,002 | -€145,997 | -€207,999 | ▼ 42.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €4.7m | €5.0m | €4.7m | €4.8m | €4.6m | €4.8m | €4.6m | €4.4m | ▼ 4.1% |
| Fixed assets21/28 | - | - | - | - | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Tangible fixed assets22/27 | - | - | - | - | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Other tangible fixed assets26 | - | - | - | - | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Current assets29/58 | €4.7m | €5.0m | €4.7m | €4.8m | €4.5m | €4.7m | €4.6m | €4.4m | ▼ 4.1% |
| Amounts receivable within one year40/41 | €0.009m | €0.03m | €0.04m | €0.04m | €0.02m | €131 | €259 | €0.02m | ▲ 85× |
| Other amounts receivable41 | - | - | - | €0.04m | €0.02m | €131 | €259 | €0.02m | ▲ 85× |
| Current investments50/53 | €4.1m | €4.3m | €4.3m | €4.7m | €4.5m | €4.7m | €4.5m | €4.0m | ▼ 9.7% |
| Cash at bank and in hand54/58 | €0.7m | €0.6m | €0.4m | €0.09m | €0.02m | €0.03m | €0.08m | €0.3m | ▲ 308% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | €0.009m | €0.02m | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €4.7m | €5.0m | €4.7m | €4.8m | €4.6m | €4.8m | €4.6m | €4.4m | ▼ 4.1% |
| Equity10/15 | €0.6m | €0.9m | €0.7m | €0.7m | €0.5m | €0.7m | €0.6m | €0.3m | ▼ 37.5% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.6m | €0.9m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Distributable reserves133 | - | - | - | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Profit (loss) carried forward14 | - | - | -€0.1m | -€0.04m | -€0.3m | -€0.09m | -€0.2m | -€0.4m | ▼ 88.1% |
| Amounts payable17/49 | €4.1m | €4.1m | €4.1m | €4.1m | €4.1m | €4.1m | €4.1m | €4.1m | ▲ 0.5% |
| Amounts payable within one year42/48 | €4.1m | €4.1m | €4.0m | €4.1m | €4.1m | €4.1m | €4.1m | €4.1m | ▲ 0.5% |
| Financial debts43 | - | - | - | €4.0m | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Credit institutions430/8 | - | - | - | €4.0m | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Trade debts44 | €0.05m | €0.04m | €0.03m | €0.03m | €0.04m | €0.04m | €0.04m | €0.06m | ▲ 37.4% |
| Suppliers440/4 | - | - | - | €0.03m | €0.04m | €0.04m | €0.04m | €0.06m | ▲ 37.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 56.6% |
| Taxes450/3 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 56.6% |
| Other amounts payable47/48 | - | - | - | €216 | €216 | €216 | €288 | €0.001m | ▲ 286% |
| Accrued charges and deferred income492/3 | - | - | - | €0.01m | €0.02m | €0.02m | €0.02m | €0.02m | ▼ 10.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€337,237 | €262,858 | -€253,179 | €95,379 | -€243,371 | €195,002 | -€145,997 | -€207,999 | ▼ 42.5% |
| Operating cash flow (approximation) | -€337,237 | €262,858 | -€253,179 | €95,379 | -€243,371 | €195,002 | -€145,997 | -€207,999 | ▼ 42.5% |
| Investment in fixed assets (approximation) | - | - | - | - | - | €0 | €0 | €0 | - |
| Change in cash | - | -€39,315 | -€231,002 | -€319,890 | -€74,866 | €13,792 | €47,519 | €240,898 | ▲ 407% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 11-06-2026 | 2026-00153263 | |
| 31-12-2024 | micro format | 10-06-2025 | 2025-00126897 | |
| 31-12-2023 | micro format | 13-06-2024 | 2024-00126764 | |
| 31-12-2022 | micro format | 24-08-2023 | 2023-00346266 | |
| 31-12-2021 | micro format | 16-08-2022 | 2022-20288187 | |
| 31-12-2020 | micro format | 11-06-2021 | 2021-19100244 | |
| 31-12-2019 | full format | 13-08-2020 | 2020-41000090 | |
| 31-12-2018 | micro format | 20-08-2019 | 2019-47700241 | |
| 31-12-2017 | micro format | 18-07-2018 | 2018-34400030 | |
| 31-12-2016 | micro format | 05-07-2017 | 2017-27800069 |