From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
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 €1.0m and a net result of €29,259. Equity is growing by about 7.1% per year across the filed financial years. Its solvency ranks better than 70% of 6,680 sector peers (NACE 64, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
KBO- Status
- Active since 05-04-2019 Normal situation
- Legal form
- Private limited company
- Registered office
- Woumenweg 261, 8600 Diksmuide
- Activity
- Activities of holding companies NACE 64210and 3 others
- Establishment unit
- 2.287.904.257 8600 Diksmuide, since 05-04-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Who decides
Board
- Nele BRUYNOOGHEDirector
- Dedrie StevenDirector
- Holdings
- Shares in 1 company DEGROOTE BERNARD
How it is doing
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €29,259
- ▲ 84.3%
- Equity
- €1.0m
- ▲ 2.9%
- Total assets
- €1.4m
- ▼ 4.5%
2025 accounts 135 days early
Filed on 18-03-2026PDF
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
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 days early
2024
111 days early
2023
113 days early
2022
66 days early
2021
124 days early
2020
169 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 120 days before the deadline; the sector median (NACE 64) for financial year 2024 is 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 10 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials · financial year 2025, abbreviated format
Latest annual accounts filed
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 18-03-2026
- Format
- abbreviated format
- Reference
- 2026-00057486
Equity
€1.0m▲ 2.9%
2024 · €998,284
Net result
€29,259▲ 84.3%
2024 · €15,878
Total assets
€1.4m▼ 4.5%
2024 · €1.5m
Solvency
72.7%▲ 5.2pp
2024 · 67.5%
Trend over the years
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result recovers in 2025; 2025 is 102% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.05m
2025
Net result€0.03m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.4m
2025
Equity€1.0m
2025
Debt€0.4m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.1m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)2.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency72.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.26
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line202020212022202320242025
Operating result€0.08m-€0.04m▼ 52.1%€0.03m▼ 34.7%€0.1m▲ 322%€0.03m▼ 74.8%€0.05m▲ 102%
Net result€0.7mabove the sector's middle half-€0.05mwithin the sector's middle half▼ 93.0%€0.1mwithin the sector's middle half▲ 170%€0.1mwithin the sector's middle half▼ 14.8%€0.02mwithin the sector's middle half▼ 85.9%€0.03mwithin the sector's middle half▲ 84.3%
Equity€0.7mwithin the sector's middle half-€0.8mwithin the sector's middle half▲ 6.7%€0.9mwithin the sector's middle half▲ 16.9%€1.0mwithin the sector's middle half▲ 7.7%€1.0mwithin the sector's middle half▲ 1.6%€1.0mwithin the sector's middle half▲ 2.9%
Total assets€1.0mwithin the sector's middle half-€1.1mwithin the sector's middle half▲ 6.1%€1.1mwithin the sector's middle half▲ 4.1%€1.2mwithin the sector's middle half▲ 6.8%€1.5mwithin the sector's middle half▲ 21.5%€1.4mwithin the sector's middle half▼ 4.5%
Debt€0.3m-€0.3m▲ 4.8%€0.2m▼ 27.5%€0.2m▲ 3.2%€0.5m▲ 104%€0.4m▼ 19.9%
Working capital-€0.05mwithin the sector's middle half--€0.04mwithin the sector's middle half▲ 23.2%€0.06mwithin the sector's middle half€0.1mwithin the sector's middle half▲ 66.4%€0.08mwithin the sector's middle half▼ 23.5%€0.1mwithin the sector's middle half▲ 32.1%
Solvency70.8%within the sector's middle half-71.2%within the sector's middle half▲ 0.4pp80.0%above the sector's middle half▲ 8.7pp80.6%above the sector's middle half▲ 0.7pp67.5%within the sector's middle half▼ 13.2pp72.7%within the sector's middle half▲ 5.2pp
Current ratio0.37within the sector's middle half-0.64within the sector's middle half▲ 0.272.13within the sector's middle half▲ 1.492.06within the sector's middle half▼ 0.071.84within the sector's middle half▼ 0.222.26within the sector's middle half▲ 0.42
Return on assets (ROA)67.9%above the sector's middle half-4.5%within the sector's middle half▼ 63.5pp11.6%above the sector's middle half▲ 7.1pp9.2%within the sector's middle half▼ 2.3pp1.1%within the sector's middle half▼ 8.2pp2.1%within the sector's middle half▲ 1.0pp
Staff (FTE)0within the sector's middle half
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.2m ▼ 6.2%
Current assets
€187,483 ▲ 8.2%
Equity and liabilities €1.4m
Equity
€1.0m ▲ 2.9%
Debt
€385,634 ▼ 19.9%
Debt's share of the balance-sheet total falls from 32.5% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.8%▲
2024 · 1.6%
Debt ≤ 1 year
€83,129▼
2024 · €94,305
Debt > 1 year
€294,994▼
2024 · €384,175
Income taxes
€12,416▲
2024 · €4,036
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €1,077 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €428 | €2,329 | €5,631 | €5,631 | €25,616 | €15,665 | ▼ 38.8% |
| Other operating charges640/8 | - | - | €2,068 | €1,688 | €2,108 | €2,403 | ▲ 14.0% |
| Gross operating margin9900 | €83,237 | €41,652 | €32,906 | €113,661 | €54,526 | €72,326 | ▲ 32.6% |
| Operating profit (loss)9901 | €80,660 | €38,603 | €25,206 | €106,343 | €26,802 | €54,259 | ▲ 102% |
| Financial income75/76B | - | - | €117,870 | €52,186 | €3,525 | €4,836 | ▲ 37.2% |
| Recurring financial income75 | €650,550 | €30,030 | €117,870 | €52,186 | €3,525 | €4,836 | ▲ 37.2% |
| Financial charges65/66B | - | - | €3,243 | €4,842 | €10,412 | €17,419 | ▲ 67.3% |
| Recurring financial charges65 | €6,227 | €12,720 | €3,243 | €4,842 | €10,412 | €17,419 | ▲ 67.3% |
| Profit (loss) for the period before taxes9903 | €724,983 | €55,913 | €139,833 | €153,687 | €19,915 | €41,675 | ▲ 109% |
| Income taxes67/77 | €24,114 | €6,945 | €7,808 | €41,144 | €4,036 | €12,416 | ▲ 208% |
| Profit (loss) for the period9904 | €700,869 | €48,968 | €132,025 | €112,543 | €15,878 | €29,259 | ▲ 84.3% |
| Profit (loss) for the period to be appropriated9905 | €700,869 | €48,968 | €132,025 | €112,543 | €15,878 | €29,259 | ▲ 84.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €1.0m | €1.1m | €1.1m | €1.2m | €1.5m | €1.4m | ▼ 4.5% |
| Fixed assets21/28 | €1.0m | €1.0m | €1.0m | €1.0m | €1.3m | €1.2m | ▼ 6.2% |
| Tangible fixed assets22/27 | €0.003m | €0.03m | €0.02m | €0.02m | €0.3m | €0.3m | ▼ 3.6% |
| Land and buildings22 | - | - | - | - | €0.2m | €0.2m | ▼ 2.0% |
| Plant, machinery and equipment23 | - | - | - | - | €0.002m | €0.002m | ▼ 22.7% |
| Furniture and vehicles24 | - | - | €0.02m | €0.01m | €0.01m | €0.003m | ▼ 72.8% |
| Other tangible fixed assets26 | - | - | €0.006m | €0.006m | €0.05m | €0.05m | ▲ 3.7% |
| Financial fixed assets28 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €0.9m | ▼ 7.0% |
| Current assets29/58 | €0.03m | €0.07m | €0.1m | €0.2m | €0.2m | €0.2m | ▲ 8.2% |
| Amounts receivable after more than one year29 | - | - | €0.07m | €0.07m | €0.06m | €0.1m | ▲ 102% |
| Other amounts receivable291 | - | - | €0.07m | €0.07m | €0.06m | €0.1m | ▲ 102% |
| Amounts receivable within one year40/41 | €0.001m | €0.005m | €0.01m | €0.03m | €0.004m | €0.01m | ▲ 253% |
| Trade receivables40 | - | - | - | €0.02m | €0.001m | €0.01m | ▲ 838% |
| Other amounts receivable41 | - | - | €0.01m | €0.004m | €0.003m | €0.003m | ▲ 9.7% |
| Current investments50/53 | - | - | - | €0.05m | €0.05m | €0.04m | ▼ 30.0% |
| Cash at bank and in hand54/58 | €0.03m | €0.06m | €0.03m | €0.06m | €0.06m | €0.02m | ▼ 60.5% |
| Deferred charges and accrued income490/1 | - | - | €0.004m | €0.001m | €0.002m | €0.002m | ▲ 4.7% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €1.0m | €1.1m | €1.1m | €1.2m | €1.5m | €1.4m | ▼ 4.5% |
| Equity10/15 | €0.7m | €0.8m | €0.9m | €1.0m | €1.0m | €1.0m | ▲ 2.9% |
| Contributions10/11 | - | - | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Reserves13 | €0.7m | €0.7m | €0.9m | €1.0m | €1.0m | €1.0m | ▲ 3.0% |
| Distributable reserves133 | - | - | €0.9m | €1.0m | €1.0m | €1.0m | ▲ 3.0% |
| Profit (loss) carried forward14 | €0.001m | €0.001m | €0.001m | €0.001m | €0 | - | - |
| Amounts payable17/49 | €0.3m | €0.3m | €0.2m | €0.2m | €0.5m | €0.4m | ▼ 19.9% |
| Amounts payable after more than one year17 | €0.2m | €0.2m | €0.2m | €0.1m | €0.4m | €0.3m | ▼ 23.2% |
| Financial debts170/4 | - | - | €0.1m | €0.07m | €0.3m | €0.3m | ▼ 6.3% |
| Other amounts payable178/9 | - | - | €0.07m | €0.07m | €0.07m | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €0.08m | €0.1m | €0.05m | €0.1m | €0.09m | €0.08m | ▼ 11.9% |
| Current portion of amounts payable after more than one year42 | - | - | €0.04m | €0.04m | €0.06m | €0.06m | ▼ 6.6% |
| Trade debts44 | €0.002m | €0.002m | €0.002m | €0.003m | €0.01m | €0.002m | ▼ 83.8% |
| Suppliers440/4 | - | - | €0.002m | €0.003m | €0.01m | €0.002m | ▼ 83.8% |
| Taxes, remuneration and social security45 | - | - | €0.01m | €0.05m | €0.008m | €0.02m | ▲ 152% |
| Taxes450/3 | - | - | €0.01m | €0.05m | €0.008m | €0.02m | ▲ 152% |
| Other amounts payable47/48 | - | - | €0.005m | €0.007m | €0.009m | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €0.002m | €0.003m | €0.003m | €0.008m | ▲ 170% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €700,869 | €48,968 | €132,025 | €112,543 | €15,878 | €29,259 | ▲ 84.3% |
| + Depreciation and write-downs630 | €428 | €2,329 | €5,631 | €5,631 | €25,616 | €15,665 | ▼ 38.8% |
| Operating cash flow (approximation) | €701,297 | €51,297 | €137,656 | €118,174 | €41,494 | €44,924 | ▲ 8.3% |
| Investment in fixed assets (approximation) | - | -€27,825 | €0 | €0 | -€314,315 | €64,861 | - |
| Change in cash | - | €32,725 | -€24,888 | €20,695 | €6,341 | -€37,455 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 18-03-2026 | 2026-00057486 | |
| 31-12-2024 | abbreviated format | 11-04-2025 | 2025-00069328 | |
| 31-12-2023 | abbreviated format | 09-04-2024 | 2024-00060943 | |
| 31-12-2022 | abbreviated format | 26-05-2023 | 2023-00102238 | |
| 31-12-2021 | abbreviated format | 29-03-2022 | 2022-09700288 | |
| 31-12-2020 | abbreviated format | 12-02-2021 | 2021-05300472 |
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Of the 24,455 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,128. 12,677 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, last change in 2023
Nele BRUYNOOGHE
Current
Director (not named in the articles) · appointed in the act of 25-10-2023 · in the 2025 annual accounts, filed on 18-03-2026
Dedrie Steven
Current
Director · in the 2025 annual accounts, filed on 18-03-2026
Mandate history
2 people, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Nele BRUYNOOGHE |
|
| Dedrie Steven |
|
Owners and capital
Owners
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
50%
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
18-03
financial year 2025 · abbreviated format
2025
31-12
Financial
Equity above €1mequity €1.0m ▲2.9%
A profit in every financial year since 2020 builds equity to €1.0m.
11-04
financial year 2024 · abbreviated format
2024
31-12
Financial
Weakest financial yearnet €15,878 ▼85.9%
Net result drops to €15,878, the lowest in the series; recovery starts the following year.
09-04
financial year 2023 · abbreviated format
2023
25-10
Gazette deed
Appointment: Nele BRUYNOOGHE (director)2 facts ▸
Gazette deed
Appointment: Nele BRUYNOOGHE (director)
2 facts ▸
- General meeting, 31-05-2023
- Director appointment, Nele BRUYNOOGHE (director (not named in the articles))
26-05
financial year 2022 · abbreviated format
2022
31-12
Financial
Liquidity more than triplescurrent ratio 2.13
Current ratio from 0.64 to 2.13; short-term debt falls from €103,718 to €54,996.
29-03
financial year 2021 · abbreviated format
2021
12-02
financial year 2020 · abbreviated format
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
Register details
Who it is
KBO recordName
POLY3 in Dutch
Enterprise number
0724.579.706
Legal form
Private limited company
Status
Active, normale toestand
Founded
05-04-2019
Type
Legal entity
Where it is based
Registered office
Woumenweg 261, 8600 Diksmuide, Belgium
Establishments
1 establishment unit since 2019
E-mail
poly3bvba@gmail.comDiksmuide
Phone
0498/10.52.36Diksmuide
What it does
NACEBEL 202564210
Activities of holding companies main activity
82990
Other business support services
96210
Hairdressing and barber services
96220
Beauty care and other beauty treatments
Invoicing and payment
VAT number
BE 0724.579.706
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders.
Sites & property
Registered office and establishments
1 establishment unit
POLY3
since 2019unit no. 2.287.904.257
Buildings and parcels at the address
Ground area
437 m²
Building footprint
113 m²
Building volume
693 m³
Parcel 32026A0342/00T002, Flanders · tallest building 11.4 m.
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 32026A0342/00T002 | Flanders | 437 m² | 1 · 112 m² | 11.4 m · 2 |