POLY3
ActivePOLY3 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 €1.03M and a net result of €29k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 5394 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 18-03-2026, 135 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
135 d early
2024
111 d early
2023
113 d early
2022
66 d early
2021
124 d early
2020
169 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.03M▲ 2.9%
2024 · €998k
2021: €780k
2022: €912k
2023: €982k
2024: €998k
2021 → 2025
Net result
€29k▲ 84.3%
2024 · €16k
2021: €50k
2022: €132k
2023: €113k
2024: €16k
2021 → 2025
Total assets
€1.41M▼ 4.5%
2024 · €1.48M
2021: €1.09M
2022: €1.14M
2023: €1.22M
2024: €1.48M
2021 → 2025
Solvency
72.7%▲ 5.2pp
2024 · 67.5%
2021: 71.2%
2022: 80.0%
2023: 80.6%
2024: 67.5%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€780k-€912k▲ 16.9%€982k▲ 7.7%€998k▲ 1.6%€1.03M▲ 2.9%
Operating result€39k-€25k▼ 34.7%€106k▲ 322%€27k▼ 74.8%€54k▲ 102%
Net result€50k-€132k▲ 165%€113k▼ 14.8%€16k▼ 85.9%€29k▲ 84.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 102% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€1.23M▼ 6.2%
Current assets
€187k▲ 8.2%
Equity and liabilities €1.41M
Equity
€1.03M▲ 2.9%
Debt
€386k▼ 19.9%
The debt ratio falls from 32.5% to 27.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
72.7%▲
2024 · 67.5%
ROE
2.8%▲
2024 · 1.6%
ROA
2.1%▲
2024 · 1.1%
Debt
€386k▼
2024 · €481k
Debt ≤ 1 year
€83k▼
2024 · €94k
Debt > 1 year
€295k▼
2024 · €384k
Income taxes
€12k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€1.48M€1.41M▼
Fixed assets
21/28€1.31M€1.23M▼
Tangible fixed assets
22/27€306k€295k▼
Financial fixed assets
28€1.00M€931k▼
Current assets
29/58€173k€187k▲
Amounts receivable within one year
40/41€4k€13k▲
Investments
50/53€50k€35k▼
Cash & bank
54/58€62k€24k▼
Total equity & liabilities
10/49€1.48M€1.41M▼
Equity
10/15€998k€1.03M▲
Contributions / capital
10/11€30k€30k=
Reserves
13€968k€998k▲
Accumulated profits (losses)
14€0-
Amounts payable
17/49€481k€386k▼
Amounts payable after one year
17€384k€295k▼
Amounts payable within one year
42/48€94k€83k▼
Trade debts payable within one year
44€12k€2k▼
Income statement
Code20242025
Gross operating margin
9900€55k€72k▲
Operating result
9901€27k€54k▲
Financial income
75€4k€5k▲
Financial charges
65€10k€17k▲
Result before taxes
9903€20k€42k▲
Income taxes
67/77€4k€12k▲
Net result for the period
9904€16k€29k▲
Result to be appropriated
9905€16k€29k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1MEq €1.03M ▲2.9%
5 profitable years in a row build equity to €1.03M.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼85.9%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €132k ▲165%
Net result €132k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.13
Current ratio from 0.64 to 2.13; short-term debt falls from €104k to €55k.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 24,645 companies in sector 64210 we hold annual accounts for 19,462. 12,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-08-2026. Scores and ratios are computed by Checked and are not a credit decision.