Active BE 0724.579.706Private limited company

POLY3

Woumenweg 261 ·8600 Diksmuide, Belgium· 7 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

POLY3 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.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€1.03M
Net result	€29k
Better than sector	69%
Active	7 yrs

Financial profile 4 of 5 axes measured · computed by Checked

66 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 14

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2019, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview6 NBB filings

Annual accounts filed on 18-03-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.4%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	72.7%	51.9%	better than 69% of 5394 sector peers
Net result	€29k	€53k	better than 40% of 5395 sector peers
Equity	€1.03M	€623k	better than 62% of 5395 sector peers
Gross operating margin	€72k	€87k	better than 45% of 5391 sector peers
Employees (FTE)	0.0	0.0	better than 32% of 1843 sector peers

Net profit

€29k

+84.3% 21-25

Total assets

€1.41M

-4.5% 21-25

Equity

€1.03M

+2.9% 21-25

Employees (FTE)

0

- 21-25

Income taxes

€12k

+207.6% 21-25

Dividends

€0

-100.0% 21-25

Debt

€386k

-19.9% 21-25

Debt ≤ 1y

€83k

-11.9% 21-25

Debt > 1y

€295k

-23.2% 21-25

Solvency

72.7%

+7.8% 21-25

ROE

2.8%

+79.0% 21-25

ROA

2.1%

+92.9% 21-25

Figures by fiscal year and ratios

Change versus the prior fiscal year, coloured by direction (green = favourable).

Fiscal year	2025 Δ	2024 Δ	2023 Δ	2022 Δ	2021 Δ
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	+84.3%	-85.9%	-14.8%	+164.9%	-
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	+207.6%	-90.2%	+427.0%	+12.4%	-
Dividends	-	-100.0%	-	-	-
Total assets	-4.5%	+21.5%	+6.8%	+4.1%	-
Equity	+2.9%	+1.6%	+7.7%	+16.9%	-
Debt	-19.9%	+104.1%	+3.2%	-27.5%	-
of which ≤ 1y	-11.9%	-3.1%	+77.0%	-47.0%	-
of which > 1y	-23.2%	+183.2%	-20.8%	-17.1%	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	72.7%	67.5%	80.6%	80.0%	71.2%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	2.1%	1.1%	9.2%	11.6%	4.6%
ROE	2.8%	1.6%	11.5%	14.5%	6.4%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €1.23M · 86.7% Current assets €187k · 13.3%

Equity & liabilities

Equity €1.03M · 72.7% Debt €386k · 27.3%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.41M	€1.48M	€1.22M	€1.14M	€1.09M
Fixed assets	21/28	€1.23M	€1.31M	€1.02M	€1.02M	€1.03M
Tangible fixed assets	22/27	€295k	€306k	€18k	€23k	€29k
Financial fixed assets	28	€931k	€1.00M	€1.00M	€1.00M	€1.00M
Current assets	29/58	€187k	€173k	€201k	€117k	€66k
Amounts receivable within one year	40/41	€13k	€4k	€27k	€11k	€5k
Investments	50/53	€35k	€50k	€50k	-	-
Cash & bank	54/58	€24k	€62k	€56k	€35k	€60k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.41M	€1.48M	€1.22M	€1.14M	€1.09M
Equity	10/15	€1.03M	€998k	€982k	€912k	€780k
Contributions / capital	10/11	€30k	€30k	€30k	€30k	-
Reserves	13	€998k	€968k	€952k	€881k	€749k
Accumulated profits (losses)	14	-	€0	€862	€862	€837
Amounts payable	17/49	€386k	€481k	€236k	€228k	€315k
Amounts payable after one year	17	€295k	€384k	€136k	€171k	€207k
Amounts payable within one year	42/48	€83k	€94k	€97k	€55k	€104k
Trade debts payable within one year	44	€2k	€12k	€3k	€2k	€2k
Income statement
Gross operating margin	9900	€72k	€55k	€114k	€33k	€42k
Operating result	9901	€54k	€27k	€106k	€25k	€39k
Financial income	75	€5k	€4k	€52k	€118k	€30k
Financial charges	65	€17k	€10k	€5k	€3k	€13k
Result before taxes	9903	€42k	€20k	€154k	€140k	€56k
Income taxes	67/77	€12k	€4k	€41k	€8k	€7k
Net result for the period	9904	€29k	€16k	€113k	€132k	€49k
Result to be appropriated	9905	€29k	€16k	€113k	€132k	€49k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	05-04-2019
Status	Active
Postal code	8600

Establishment units 1 location

POLY3

Woumenweg 261, 8600 DiksmuideFinancial service activities, except insurance and pension funding

since 20192.287.904.257

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
32026A0342/00T002	Flanders	437 m²	1 · 112 m²	11.4 m · 2 fl.

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.

Updates 6 events

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

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.

Belgian State Gazette reading coverage 0 of 4 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210Other business support services82990

Names & trade names

Legal nameNL

POLY3

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