POLYCHIMIE
ActivePOLYCHIMIE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €25k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 126 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +56 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency68▲+9
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.58 in 2024), and 39.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 22
Relative position
BE, all sectors
reference
Sector 22
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
60.7%
Return on assets
14.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
31 d early
2023
on the day
2022
on the day
2021
40 d early
2020
17 d late
2019
4 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 31.3%
2024 · €81k
2019: €78k
2020: €101k
2021: €119k
2022: €145k
2023: €126k
2024: €81k
2019 → 2025
Total assets
€176k▼ 1.3%
2024 · €179k
2019: €223k
2020: €246k
2021: €266k
2022: €305k
2023: €267k
2024: €179k
2019 → 2025
Net result
€25k
2024 · €-44k
2019: €652
2020: €23k
2021: €18k
2022: €23k
2023: €-19k
2024: €-44k
2019 → 2025
Working capital
€-13k▲ 29.5%
2024 · €-18k
2019: €41k
2020: €53k
2021: €63k
2022: €66k
2023: €35k
2024: €-18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€145k▲ 21.7%€126k▼ 13.0%€81k▼ 35.2%€107k▲ 31.3%
Operating result€26k-€30k▲ 18.9%€-16k€-41k▼ 154%€34k
Net result€18k-€23k▲ 27.6%€-19k€-44k▼ 135%€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €41k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€155k▲ 0.6%
Current assets
€21k▼ 13.7%
Equity and liabilities €176k
Equity
€107k▲ 31.3%
Debt
€69k▼ 28.7%
The debt ratio falls from 54.4% to 39.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▲
2024 · €-10k
Cash flow
€44k▲
2024 · €-13k
Solvency
60.7%▲
2024 · 45.6%
Current ratio
0.63▲
2024 · 0.58
Quick ratio
0.45▲
2024 · 0.32
Debt / equity
0.65▼
2024 · 1.19
ROE
23.7%▲
2024 · -54.3%
ROA
14.4%▲
2024 · -24.8%
Interest coverage
8.77▲
2024 · -2.29
Debt
€69k▼
2024 · €97k
Debt ≤ 1 year
€34k▼
2024 · €43k
Debt > 1 year
€35k▼
2024 · €55k
Income taxes
€3k▲
2024 · €258
Staff costs
€41k▼
2024 · €54k
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
Assets
Total assets20/58€179k€176k▼
Fixed assets21/28€154k€155k▲
Tangible fixed assets22/27€154k€155k▲
Land and buildings22€131k€127k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€21k€25k▲
Current assets29/58€25k€21k▼
Stocks and contracts in progress3€11k€6k▼
Stocks30/36€11k€6k▼
Amounts receivable within one year40/41€1k€807▼
Trade receivables40€1k€807▼
Cash at bank and in hand54/58€10k€13k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€179k€176k▼
Equity10/15€81k€107k▲
Contributions10/11€26k€29k▲
Reserves13€3k€25k▲
Non-distributable reserves130/1€3k-
Reserves not available under the articles1311€3k-
Distributable reserves133-€25k
Profit (loss) carried forward14€53k€53k▲
Amounts payable17/49€97k€69k▼
Amounts payable after more than one year17€55k€35k▼
Financial debts170/4€55k€35k▼
Amounts payable within one year42/48€43k€34k▼
Current portion of amounts payable after more than one year42€27k€23k▼
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Advances received on contracts in progress46-€225
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€4k▼
Remuneration and social security454/9€708€5k▲
Other amounts payable47/48€3k€188▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€19k▼
Other operating charges640/8€6k€18k▲
Gross operating margin9900€50k€112k▲
Operating profit (loss)9901€-41k€34k▲
Financial income75/76B€1k€190▼
Recurring financial income75€1k€190▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€-44k€28k▲
Income taxes67/77€258€3k▲
Profit (loss) for the period9904€-44k€25k▲
Profit (loss) for the period to be appropriated9905€-44k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€78k▲
Profit (loss) brought forward from the previous period14P€97k€53k▼
Transfer to equity691/2-€25k
To other reserves6921-€25k
The notes to these accounts (10 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €107k ▲31.3%
Equity rises from €81k to €107k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-06
Financial
Equity above €100kEq €101k ▲29.2%
2 profitable years in a row build equity to €101k.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
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, Charleroi · 2 establishment units since 2007
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.
Rue de l'Ange 546001 CharleroiGround area
556 m²
Building footprint
339 m²
Volume, LiDAR
2,654 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Polychimie
since 20072.164.300.919
POLYCHIMIE SRL
since 20232.341.446.673
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62081D0070/00S000 | Wallonia | 394 m² | 1 · 92 m² | 11.2 m · 3 fl. |
| 52045A0464/00T002 | Wallonia | 161 m² | 1 · 247 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Engelen Ronny
BE 0799.186.364
Ravels · Eq €108k
PLASTISART NEON
BE 0406.363.979
Fleurus · Eq €106k
KX CONCEPT
BE 0465.090.551
Pepinster · Eq €109k
MAVIO
BE 0784.602.712
Beersel · Eq €102k
RECYBUILD SOLUTIONS
BE 0843.801.911
Beringen · Eq €99k
Of 596 companies in sector 22260 we hold annual accounts for 278. 129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2007
Fiscal year end31-12
Activities, NACEBEL
22260Manufacture of rubber and plastic products
25240
20590Manufacture of chemicals and chemical products
24660
46180Agents specialised in the wholesale of other particular products
46851Wholesale of industrial chemicals
51180
51550
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.