Skip to content

POLY-STYL

Active
Private limited company (pre-2019)founded 1995active for 30 yearsAvenue du Fort(Flh) 95, 4400 Flémalle, BelgiumKBO/BCE: BE 0456.882.866
Summary

The computed 12-month bankruptcy probability of POLY-STYL is 2.9% (moderate). The annual accounts of POLY-STYL for financial year 2025 show a net loss of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €4,021 and a net result of -€122,404. Equity remains stable across the filed financial years (±1.9% per year). Its solvency ranks better than 8% of 9,816 sector peers (NACE 43, financial year 2025). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
POLY-STYLActiveChecked score 48/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320Manufacture of rubber and plastic products NACE 22260
1 site
Size
€850,679total assets 2025
Staff
10.6 FTE
Equity
€4,021
Loss
-€122,404
Financial health
48 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.9%
Structure
2025 accounts filed 57 days late1 of 3 deeds summarised
Why 48raises riskLoss of €122,404 (financial year 2025)Equity €4,021 (0.5% of total assets)Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 0.88, cash €127,926Show the evidence

Checked score

Score 2025
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 6% of its sector peers (NACE 43, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 25-13
equity 0.5% of total assets
Liquidity 24+12
short-term debt 81.1% · cash 15.0%
Profitability 1-70
return on assets -14.4%
Bankruptcy probability, 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,647 companies, NACE 43, small)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.7%● unchanged vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025lowest value 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025 08-2025: 1.6%▲ +0.8 percentage points vs 07-2025 09-2025: 1.6%● unchanged vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.5%▼ -0.1 percentage points vs 05-2026 07-2026: 1.6%▲ +0.1 percentage points vs 06-2026 08-2026: 2.4%▲ +0.8 percentage points vs 07-2026 09-2026: 2.9%▲ +0.5 percentage points vs 08-2026 10-2026: 2.9%● unchanged vs 09-2026highest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.88, compared with 1.06 in 2024, below 1; short-term debt: 81.1% and cash: 15% of total assets), and 99.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, small): better than 4% on solvency, 15% on liquidity, 4% on profitability and 2% on growth.

The bankruptcy probability was computed on 27-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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.
lowers riskraises risk
raises risk · Loss of €122,404 (financial year 2025)
NBB · annual accounts
raises risk · Equity €4,021 (0.5% of total assets)
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Liquidity: current ratio 0.88, cash €127,926
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 9816 sector peers (2025).
NBB · sector comparison
Position among 9816 sector peers
Solvency
better than 8%
← weakest strongest →
raises risk · 2025 accounts filed 57 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-09-2026, 57 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
57 days late
2024
on the day
2023
on the day
2022
28 days late
2021
12 days early
2020
68 days late
2019
102 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% 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 1 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Weakest financial yearnet -€122,404
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Caution: Equity fell in 2025from €126,425 to €4,021 ▼ 96.8% View
  • Caution: Among the weakest 5% on net resultsector median €26,992 · 9,808 companies -€122,404 View
  • One director decidessole director in office 1 View

By topic

Financials

Financial year
2025
Total assets
€850,679
Loss
-€122,404
Solvency
0.5%
Turnover
Net result
20202021
Go to Financials

Timeline

Events
36
Since
1997
Next accounts
by 31-07-2027
  1. 31-07-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 31-12-2023Equity above €100,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Joinery installationNACE 43320
Founded
08-12-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about POLY-STYL

What is the company number of POLY-STYL?
0456.882.866. In Belgium the VAT number is the company number with BE in front: BE 0456.882.866.
Where is POLY-STYL based?
The registered office is at Avenue du Fort(Flh) 95, 4400 Flémalle.Company details
What does POLY-STYL do?
According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of POLY-STYL?
Private limited company (pre-2019) (BVBA).
When was POLY-STYL founded?
On 08-12-1995.
Is POLY-STYL still active?
Yes, POLY-STYL is an active enterprise in the KBO register.
How many employees does POLY-STYL have?
On average 10.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of POLY-STYL?
€0 in financial year 2021, according to the filed annual accounts.
Is POLY-STYL profitable?
In financial year 2025, POLY-STYL made a loss of €122,404.
Where can I find the annual accounts of POLY-STYL?
POLY-STYL filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of POLY-STYL due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to POLY-STYL

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check 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

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure