PolyM³
ActivePolyM³ 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 €1.86M and a net result of €86k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 77% of 5495 sector peers (fiscal year 2025). The company has been active since 2014 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
51 d early
2023
8 d early
2022
13 d early
2021
3 d early
2020
2 d early
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.86M▲ 1.8%
2024 · €1.83M
2018: €557k
2019: €863k
2020: €1.05M
2021: €1.38M
2022: €1.77M
2023: €1.79M
2024: €1.83M
2018 → 2025
Net result
€86k▼ 2.8%
2024 · €88k
2018: €197k
2019: €307k
2020: €185k
2021: €336k
2022: €388k
2023: €73k
2024: €88k
2018 → 2025
Total assets
€2.29M▲ 0.4%
2024 · €2.28M
2018: €970k
2019: €1.29M
2020: €1.46M
2021: €1.90M
2022: €2.17M
2023: €2.24M
2024: €2.28M
2018 → 2025
Solvency
81.5%▲ 1.2pp
2024 · 80.4%
2018: 57.4%
2019: 67.0%
2020: 71.8%
2021: 72.9%
2022: 81.7%
2023: 80.0%
2024: 80.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.38M-€1.77M▲ 28.0%€1.79M▲ 1.3%€1.83M▲ 2.0%€1.86M▲ 1.8%
Operating result€463k-€511k▲ 10.3%€109k▼ 78.7%€135k▲ 24.6%€67k▼ 50.7%
Net result€336k-€388k▲ 15.4%€73k▼ 81.3%€88k▲ 21.9%€86k▼ 2.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.29M
Fixed assets
€1.36M▲ 57.9%
Current assets
€922k▼ 34.8%
Equity and liabilities €2.29M
Equity
€1.86M▲ 1.8%
Debt
€422k▼ 5.6%
The debt ratio falls from 19.6% to 18.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
81.5%▲
2024 · 80.4%
ROE
4.6%▼
2024 · 4.8%
ROA
3.8%▼
2024 · 3.9%
Debt
€422k▼
2024 · €447k
Debt ≤ 1 year
€72k▼
2024 · €85k
Debt > 1 year
€339k▼
2024 · €351k
Income taxes
€20k▼
2024 · €36k
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€2.28M€2.29M▲
Fixed assets21/28€864k€1.36M▲
Financial fixed assets28€864k€1.36M▲
Current assets29/58€1.41M€922k▼
Amounts receivable within one year40/41€62k€10k▼
Other amounts receivable41€62k€10k▼
Cash at bank and in hand54/58€1.35M€912k▼
Equity and liabilities
Total equity and liabilities10/49€2.28M€2.29M▲
Equity10/15€1.83M€1.86M▲
Contributions10/11€19k€19k=
Reserves13€1.81M€1.85M▲
Distributable reserves133€1.81M€1.85M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€447k€422k▼
Amounts payable after more than one year17€351k€339k▼
Financial debts170/4€269k€269k=
Other amounts payable178/9€82k€70k▼
Amounts payable within one year42/48€85k€72k▼
Trade debts44€3k€112▼
Suppliers440/4€3k€112▼
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€13k€5k▼
Other amounts payable47/48€69k€67k▼
Accrued charges and deferred income492/3€11k€11k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€136k€68k▼
Operating profit (loss)9901€135k€67k▼
Financial income75/76B€1€50k▲
Recurring financial income75€1€50k▲
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€124k€106k▼
Income taxes67/77€36k€20k▼
Profit (loss) for the period9904€88k€86k▼
Profit (loss) for the period to be appropriated9905€88k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€86k▼
Transfer from equity791/2€53k€53k=
Transfer to equity691/2€88k€86k▼
To other reserves6921€88k€86k▼
Profit to be distributed694/7€53k€53k=
Return on contributions (dividend)694€53k€53k=
The notes to these accounts (8 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €73k ▼81.3%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €388k ▲15.4%
Operating result €511k, net result €388k, both a record.
31-12
Financial
Liquidity times 9current ratio 67.69
Current ratio from 7.87 to 67.69; short-term debt falls from €131k to €19k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.05M ▲21.4%
3 profitable years in a row build equity to €1.05M.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 12.05
Current ratio from 5.50 to 12.05.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2015
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.
Ferdinand Van Eeckhoutstr.(Kor) 278500 KortrijkGround area
75 m²
Building footprint
68 m²
Volume, LiDAR
520 m³
Parcel 34353B0053/00V003, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PolyM³
since 20152.237.862.551
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0053/00V003 | Flanders | 75 m² | 1 · 68 m² | 9.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,254 EUR awarded · 1,254 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,254 EUR | 1,254 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 11,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.