From the official registers: KBO 17 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
POLUMAVIO is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €346,549 and a net result of -€207,999. Equity has been shrinking by about 8.1% per year since 2018. Its solvency ranks better than 15% of 9,750 sector peers (NACE 64, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
KBO- Status
- Active since 17-07-2008 Normal situation
- Activity
- Other financial services NACE 64999
- Establishment unit
- 2.174.576.484 7543 Tournai, since 15-07-2008
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €207,999
- ▲ 42.5%
- Equity
- €346,549
- ▼ 37.5%
- Total assets
- €4.4m
- ▼ 4.1%
Filed on 11-06-2026, 50 days before the deadlinePDF
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9750 sector peers (2025).
NBB · sector comparisonPosition among 9750 sector peers
Solvency
better than 15%
← weakest
strongest →
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 days early
2024
51 days early
2023
48 days early
2022
24 days late
2021
16 days late
2020
50 days early
2019
13 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 June (4 of the last 5 accounts filed within 63 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
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 |
Board & ownership
Directors
Directors
1 director, last change in 2024
PARENT Anne-Catherine
Current
Director (not named in the articles) · appointed in the act of 22-02-2024 · listed in the 2025 annual accounts, filed on 11-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 22-02-2024Owners and capital
Capital transactions
Capital over time
- 22-02-2024 Converted to unavailable equity
Mandate history
1 person, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| PARENT Anne-Catherine |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, Organe d’administration”“Indépendamment des frais éventuels de représentation, voyages et déplacements, fixe ou proportionnelle”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Seront modalisées et organisées, le cas échéant, préalablement à l’arrivée de nouveaux actionnaires et de modifications de l’actionnariat…”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, en tout temps par décision assemblée générale”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et…”
Articles of association, deed of 22-02-2024 (in French)
Network & group
POLUMAVIO shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of POLUMAVIO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
11-06
financial year 2025 · micro format
2025
13-11
Gazette deed
Registered officeRegistered-office move4 points ▸
Gazette deed
Registered office
Registered-office move4 points ▸
- General meeting, 30-09-2025
- Registered-office move, Rue d'amour4, 7500 Tournai
- General meeting, “assemblée composée valablement et habilitée à délibérer valablement, totalité des actions existantes représentée” (deed in French)
- Other provision, “scrutin des scrutateurs, exposé constaté exact” (deed in French)
10-06
financial year 2024 · micro format
2024
13-06
financial year 2023 · micro format
22-02
Gazette deed
Resignation: PARENT Anne-Catherine (manager)Appointment: PARENT Anne-Catherine (director) · Amendment of the articles · Reserve release10 points ▸
Gazette deed
Resignation: PARENT Anne-Catherine (manager)
Appointment: PARENT Anne-Catherine (director) · Amendment of the articles · Reserve release10 points ▸
- General meeting, 20-12-2023
- Amendment of the articles, mentioned 2 times in the deed
- Reserve release, “conformément aux formes et majorités de la modification des statuts, supprimer le compte de capitaux propres statutairement indisponible” (deed in French)
- Capital
- Director resignation, PARENT Anne-Catherine (manager)
- Director appointment, PARENT Anne-Catherine (director (not named in the articles))
- Other provision, “collaboratrice du notaire Gaëtan QUENON, représentation à l’assemblée” (deed in French)
- Director discharge, PARENT Anne-Catherine
- Registered office clause, “Rue de la Grande Couture,2, Tournai (Marquain)” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
2023
31-12
Financial
Back to profitnet €195,002
The net result is €195,002, after one loss-making year.
24-08
financial year 2022 · micro format · 24 days late
2022
16-08
financial year 2021 · micro format · 16 days late
2021
31-12
Financial
Back to profitnet €95,379
The net result is €95,379, after one loss-making year.
11-06
financial year 2020 · micro format
2020
13-08
financial year 2019 · full format · 13 days late
2019
31-12
Financial
Back to profitnet €262,858
The net result is €262,858, after one loss-making year.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
POLUMAVIO in French
Enterprise number
0899.351.237
Legal form
Private limited company
Status
Active, normale toestand
Founded
17-07-2008
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 22-02-2024 (in French)Name clauseThe company operates under this name according to its articles.
POLUMAVIO
deed of 22-02-2024 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, pour autant que cette décision n’entraîne pas de changement en matière de régime linguistique applicable à la société”
deed of 22-02-2024 (in French)Registered office and establishments
Registered office
Rue d'Amour(TOU) 4, 7500 Tournai, Belgium
Establishments
1 establishment unit since 2008
Activities
NACEBEL 202564999
Other financial services main activity
Invoicing and payment
VAT number
BE 0899.351.237
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Tuesday of May at 18:00
deed of 22-02-2024 (in French)Recognitions · licences · registrations
Legal Entity Identifier
549300TZ8ZBBEDPT5239
Sites & property
Location
1 establishment unit
Rue du Bardeau(MOU) 2, 7543 Tournai
since 2008unit number 2.174.576.484
Buildings and parcels at the addresses
Ground area
928 m²
Building footprint
133 m²
Building volume
958 m³
2 parcels, Wallonia · tallest building 10.8 m.
2 parcels
Wallonia
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 57057A0233/00D000 | Wallonia | 769 m² | 1 · 85 m² | 8.1 m · 2 |
| 57462A0281/00P046 | Wallonia | 159 m² | 1 · 48 m² | 10.8 m · 3 |