Poly-Seal Holding
ActiveSummary
Poly-Seal Holding has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.53M and a net result of €215k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity short (current ratio 0.64 against 1.1 in 2024; short-term debt: 8.4% and cash: 0.6% of total assets), and 23.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.2%
Return on assets
10.7%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
3 d early
2023
26 d early
2022
7 d early
2021
6 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.53M▲ 16.4%
2024 · €1.31M
2021: €693k
2022: €798k
2023: €996k
2024: €1.31M
2021 → 2025
Total assets
€2.00M▲ 9.5%
2024 · €1.83M
2021: €1.51M
2022: €1.58M
2023: €1.63M
2024: €1.83M
2021 → 2025
Net result
€215k▼ 53.9%
2024 · €466k
2021: €493k
2022: €105k
2023: €198k
2024: €466k
2021 → 2025
Working capital
€-60k
2024 · €22k
2021: €-61k
2022: €-159k
2023: €-154k
2024: €22k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€693k-€798k▲ 15.2%€996k▲ 24.8%€1.31M▲ 31.7%€1.53M▲ 16.4%
Operating result€84k-€156k▲ 86.2%€51k▼ 67.4%€564k▲ 1,011%€161k▼ 71.5%
Net result€493k-€105k▼ 78.6%€198k▲ 88.3%€466k▲ 135%€215k▼ 53.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.00M
Fixed assets
€1.90M ▲ 19.3%
Current assets
€108k ▼ 55.2%
Equity and liabilities €2.00M
Equity
€1.53M ▲ 16.4%
Debt
€477k ▼ 8.0%
Debt's share of the balance-sheet total falls from 28.3% to 23.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k
Cash flow
€215k
Current ratio
0.64▼
2024 · 1.10
Debt to equity
0.31▼
2024 · 0.40
ROE
14.1%▼
2024 · 35.5%
ROA
10.7%▼
2024 · 25.4%
Interest coverage
11.65
Debt ≤ 1 year
€168k▼
2024 · €219k
Debt > 1 year
€308k▲
2024 · €299k
Income taxes
€37k▼
2024 · €139k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.83M€2.00M▲
Fixed assets21/28€1.59M€1.90M▲
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Financial fixed assets28€1.59M€1.89M▲
Current assets29/58€241k€108k▼
Amounts receivable within one year40/41€33k€93k▲
Trade receivables40€32k€38k▲
Other amounts receivable41€663€55k▲
Cash at bank and in hand54/58€208k€12k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€1.83M€2.00M▲
Equity10/15€1.31M€1.53M▲
Contributions10/11€200k€200k=
Reserves13€1.11M€1.33M▲
Tax-exempt reserves132€131k€131k=
Distributable reserves133€981k€1.20M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€518k€477k▼
Amounts payable after more than one year17€299k€308k▲
Financial debts170/4€200k€100k▼
Other amounts payable178/9€99k€208k▲
Amounts payable within one year42/48€219k€168k▼
Current portion of amounts payable after more than one year42€126k€126k=
Trade debts44€20k€22k▲
Suppliers440/4€20k€22k▲
Taxes, remuneration and social security45€58k€20k▼
Taxes450/3€58k€20k▼
Other amounts payable47/48€16k€201▼
Accrued charges and deferred income492/3€747€498▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€150
Other operating charges640/8€1k€1k▲
Gross operating margin9900€565k€162k▼
Operating profit (loss)9901€564k€161k▼
Financial income75/76B€51k€105k▲
Recurring financial income75€51k€105k▲
Financial charges65/66B€11k€14k▲
Recurring financial charges65€11k€14k▲
Profit (loss) for the period before taxes9903€605k€252k▼
Income taxes67/77€139k€37k▼
Profit (loss) for the period9904€466k€215k▼
Transfer to tax-exempt reserves689€131k€0▼
Profit (loss) for the period to be appropriated9905€335k€215k▼
Appropriation of the result
Profit (loss) to be appropriated9906€335k€215k▼
Transfer from equity791/2€150k€0▼
Transfer to equity691/2€335k€215k▼
To other reserves6921€335k€215k▼
Profit to be distributed694/7€150k€0▼
Return on contributions (dividend)694€150k€0▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 5current ratio 1.10
Current ratio from 0.22 to 1.10.
31-12
Financial
Equity above €1MEq €1.31M ▲31.7%
4 profitable years in a row build equity to €1.31M.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €105k ▼78.6%
Net result drops to €105k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Brugge · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Torhoutse Steenweg 558200 BruggeGround area
1,017 m²
Building footprint
216 m²
Volume, LiDAR
2,103 m³
Parcel 31027D0411/00G002, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Torhoutse Steenweg 55, 8200 Brugge
since 20202.306.132.834
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0411/00G002 | Flanders | 1,017 m² | 1 · 216 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 23,186 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:poly_seal@bruynooghe.eu