POM
ActiveSummary
POM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.7m and a net result of €1.4m. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+2
Solvency65▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130,000 at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.79 in 2023; short-term debt: 40.1% and cash: 7.2% of total assets), and 60.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
39.8%
Return on assets
31.2%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
48 d early
2022
4 d early
2021
37 d early
2020
31 d early
2019
45 d 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 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€1.7m▲ 8.6%
2023 · €1.6m
Total assets
€4.3m▲ 29.4%
2023 · €3.3m
Net result
€1.4m▲ 71.5%
2023 · €789,381
Working capital
€679,224▼ 18.1%
2023 · €829,199
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€19,092▲ 91.9%€253,093€92,051▼ 63.6%€795,750▲ 764%€1.5m▲ 84.8%
Net result-€42,796below the sector's middle half▲ 82.9%€215,746above the sector's middle half€51,029above the sector's middle half▼ 76.3%€789,381above the sector's middle half▲ 1,447%€1.4m▲ 71.5%
Equity€57,713within the sector's middle half▼ 42.6%€273,459above the sector's middle half▲ 374%€1.2mabove the sector's middle half▲ 339%€1.6mabove the sector's middle half▲ 32.4%€1.7m▲ 8.6%
Total assets€886,713above the sector's middle half▲ 8.0%€1.3mabove the sector's middle half▲ 51.2%€2.5mabove the sector's middle half▲ 83.7%€3.3mabove the sector's middle half▲ 36.0%€4.3m▲ 29.4%
Debt€829,000▲ 15.1%€1.1m▲ 28.7%€1.3m▲ 18.3%€1.8m▲ 39.4%€2.6m▲ 48.2%
Working capital-€326,316▼ 85.1%€67,645€698,690▲ 933%€829,199▲ 18.7%€679,224▼ 18.1%
Solvency6.5%below the sector's middle half▼ 5.7pp20.4%below the sector's middle half▲ 13.9pp48.8%within the sector's middle half▲ 28.4pp47.5%within the sector's middle half▼ 1.3pp39.8%▼ 7.6pp
Staff (FTE)3.5above the sector's middle half▲ 25.0%4.4▲ 25.7%5.5▲ 25.0%7.2within the sector's middle half▲ 30.9%8.2▲ 13.9%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2023 Net result +1,447% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 85% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.3m
Fixed assets
€1.9m ▲ 30.7%
Current assets
€2.4m ▲ 28.4%
Equity and liabilities €4.3m
Equity
€1.7m ▲ 8.6%
Debt
€2.6m ▲ 48.2%
Debt's share of the balance-sheet total rises from 52.5% to 60.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.8m▲
2023 · €983,257
Cash flow
€1.6m▲
2023 · €976,888
Current ratio
1.39▼
2023 · 1.79
Debt to equity
1.51▲
2023 · 1.11
ROE
78.4%▲
2023 · 49.6%
ROA
31.2%▲
2023 · 23.6%
Interest coverage
214.28▲
2023 · 181.04
Debt ≤ 1 year
€1.7m▲
2023 · €1.1m
Debt > 1 year
€400,000=
2023 · €400,000
Income taxes
€123,820▲
2023 · €972
Staff costs
€884,081▲
2023 · €670,216
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €283,849 | €434,299 | €670,216 | €884,081 | ▲ 31.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78,359 | €106,324 | €139,973 | €187,507 | €279,608 | ▲ 49.1% |
| Other operating charges640/8 | - | €1,238 | €1,239 | €428 | €2,178 | ▲ 409% |
| Non-recurring operating charges66A | - | - | €850 | €1,772 | €300 | ▼ 83.1% |
| Gross operating margin9900 | €223,241 | €644,504 | €668,411 | €1.7m | €2.6m | ▲ 59.2% |
| Operating profit (loss)9901 | -€19,092 | €253,093 | €92,051 | €795,750 | €1.5m | ▲ 84.8% |
| Financial income75/76B | - | €707 | €98 | €34 | €15,285 | ▲ 44,896% |
| Recurring financial income75 | €133 | €707 | €98 | €34 | €15,285 | ▲ 44,896% |
| Financial charges65/66B | - | €38,054 | €41,070 | €5,431 | €8,167 | ▲ 50.4% |
| Recurring financial charges65 | €23,838 | €38,054 | €41,070 | €5,431 | €8,167 | ▲ 50.4% |
| Profit (loss) for the period before taxes9903 | -€42,796 | €215,746 | €51,079 | €790,353 | €1.5m | ▲ 86.9% |
| Income taxes67/77 | - | - | €50 | €972 | €123,820 | ▲ 12,634% |
| Profit (loss) for the period9904 | -€42,796 | €215,746 | €51,029 | €789,381 | €1.4m | ▲ 71.5% |
| Profit (loss) for the period to be appropriated9905 | -€42,796 | €215,746 | €51,029 | €789,381 | €1.4m | ▲ 71.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €886,713 | €1.3m | €2.5m | €3.3m | €4.3m | ▲ 29.4% |
| Fixed assets21/28 | €694,781 | €877,227 | €1.2m | €1.5m | €1.9m | ▲ 30.7% |
| Intangible fixed assets21 | €690,798 | €872,003 | €1.2m | €1.4m | €1.9m | ▲ 28.6% |
| Tangible fixed assets22/27 | €1,125 | €2,366 | €3,119 | €15,572 | €47,375 | ▲ 204% |
| Furniture and vehicles24 | - | €2,366 | €3,119 | €15,572 | €37,783 | ▲ 143% |
| Other tangible fixed assets26 | - | - | - | - | €9,592 | - |
| Financial fixed assets28 | €2,858 | €2,858 | €3,158 | €2,158 | €5,888 | ▲ 173% |
| Current assets29/58 | €191,933 | €463,147 | €1.3m | €1.9m | €2.4m | ▲ 28.4% |
| Amounts receivable within one year40/41 | €178,605 | €410,476 | €928,226 | €1.7m | €2.1m | ▲ 22.3% |
| Trade receivables40 | - | €409,723 | €524,510 | €590,505 | €1.4m | ▲ 139% |
| Other amounts receivable41 | - | €753 | €403,716 | €1.1m | €648,798 | ▼ 40.6% |
| Cash at bank and in hand54/58 | €10,235 | €48,546 | €293,841 | €164,602 | €313,076 | ▲ 90.2% |
| Deferred charges and accrued income490/1 | - | €4,125 | €79,768 | €36,304 | €47,467 | ▲ 30.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €886,713 | €1.3m | €2.5m | €3.3m | €4.3m | ▲ 29.4% |
| Equity10/15 | €57,713 | €273,459 | €1.2m | €1.6m | €1.7m | ▲ 8.6% |
| Contributions10/11 | €662,009 | €662,009 | €1.5m | €1.5m | €1.6m | ▲ 3.2% |
| Capital10 | - | €662,009 | €1.4m | €1.4m | €1.4m | ▲ 3.6% |
| Issued capital100 | - | €662,009 | €1.4m | €1.4m | €1.4m | ▲ 3.6% |
| Outside capital11 | - | - | €155,693 | €155,693 | €155,693 | = |
| Share premium1100/10 | - | - | €155,693 | €155,693 | €155,693 | = |
| Reserves13 | - | - | - | €22,593 | €138,285 | ▲ 512% |
| Non-distributable reserves130/1 | - | - | - | €22,593 | €138,285 | ▲ 512% |
| Legal reserve130 | - | - | - | €22,593 | €138,285 | ▲ 512% |
| Profit (loss) carried forward14 | -€604,296 | -€388,550 | -€337,522 | €29,266 | €0 | ▼ 100% |
| Amounts payable17/49 | €829,000 | €1.1m | €1.3m | €1.8m | €2.6m | ▲ 48.2% |
| Amounts payable after more than one year17 | €305,751 | €671,413 | €320,000 | €400,000 | €400,000 | = |
| Financial debts170/4 | - | €671,413 | €320,000 | €400,000 | €400,000 | = |
| Amounts payable within one year42/48 | €518,248 | €395,502 | €603,144 | €1.1m | €1.7m | ▲ 65.0% |
| Current portion of amounts payable after more than one year42 | - | €87,691 | €80,000 | €0 | - | - |
| Financial debts43 | - | €1,498 | €6,087 | €6,978 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €1,498 | €6,087 | €6,978 | €0 | ▼ 100% |
| Trade debts44 | €158,476 | €204,397 | €339,576 | €436,380 | €1.1m | ▲ 163% |
| Suppliers440/4 | - | €204,397 | €339,576 | €436,380 | €1.1m | ▲ 163% |
| Taxes, remuneration and social security45 | - | €101,342 | €175,637 | €211,097 | €167,901 | ▼ 20.5% |
| Taxes450/3 | - | €66,176 | €101,744 | €123,848 | €59,018 | ▼ 52.3% |
| Remuneration and social security454/9 | - | €35,166 | €73,893 | €87,249 | €108,883 | ▲ 24.8% |
| Other amounts payable47/48 | - | €574 | €1,845 | €400,528 | €423,640 | ▲ 5.8% |
| Accrued charges and deferred income492/3 | - | €0 | €338,511 | €303,984 | €467,372 | ▲ 53.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€42,796 | €215,746 | €51,029 | €789,381 | €1.4m | ▲ 71.5% |
| + Depreciation and write-downs630 | €78,359 | €106,324 | €139,973 | €187,507 | €279,608 | ▲ 49.1% |
| Operating cash flow (approximation) | €35,563 | €322,070 | €191,001 | €976,888 | €1.6m | ▲ 67.2% |
| Investment in fixed assets (approximation) | - | -€288,770 | -€423,591 | -€491,851 | -€729,398 | ▼ 48.3% |
| Change in cash | - | €38,311 | €245,295 | -€129,239 | €148,474 | ▲ 215% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
02-09
State Gazette act
Appointments: Artijn BV (director) and Moore Audit BV (statutory auditor)Permanent representatives: Stijn Dauwe and Liesbet Vandenabeele · Power of attorney7 facts ▸
State Gazette act
Appointments: Artijn BV (director) and Moore Audit BV (statutory auditor)
Permanent representatives: Stijn Dauwe and Liesbet Vandenabeele · Power of attorney7 facts ▸
- General meeting, 08-06-2026
- Director appointment, Artijn BV (director)
- Permanent representative, Stijn Dauwe (permanent representative)
- Auditor appointment, Moore Audit BV (statutory auditor)
- Permanent representative, Liesbet Vandenabeele (permanent representative)
- Power of attorney, BV Acctive Zuid
- Power of attorney
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.4m ▲71.5%
Operating result €1.5m, net result €1.4m, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1mEq €1.2m ▲339%
2 profitable years in a row build equity to €1.2m.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €215,746
Net result €215,746 after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.17
Current ratio from 0.37 to 1.17; short-term debt falls from €518,248 to €395,502.
31-12
Financial
Equity above €200,000Eq €273,459 ▲374%
Equity rises from €57,713 to €273,459.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 16 acts read
About the unread acts
Of the 16 Belgian State Gazette acts we know for this company, 1 has been read. The other 15 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Board 1
Artijn BV
CurrentDirector · since 08-06-2026 · Legal entity · perm. rep.: Stijn Dauwe
Permanent representatives 1
Stijn Dauwe
CurrentPermanent representative · since 08-06-2026 · for Artijn BV
Statutory auditor 1
Moore Audit
CurrentStatutory auditor · since 02-09-2026 · perm. rep.: Liesbet Vandenabeele
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
15 of this company's 16 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2014
Ground area
2,666 m²
Building footprint
484 m²
Volume, LiDAR
6,880 m³
Parcel 11803C0969/00B000, Flanders · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
POM
since 20142.235.644.716
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0969/00B000 | Flanders | 2,666 m² | 1 · 483 m² | 18.0 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
2 people since 2026, 2 in office
- Board
- Statutory auditor
| Name | Functions and periods |
|---|---|
| Artijn BV |
|
| Moore Audit |
|
Structure & network
Owners and holdings
1 ownerChain of control
- Mail to Pay Group bvNL
- POM
Highest known parent: Mail to Pay Group bv (Netherlands). The sources do not say who stands above it.
Owners 1
- Mail to Pay Group bvNLparentSourceown accounts 2023100%
Holdings 0
The accounts to 31-12-2023 list no holdings, and no other source names one.
According to the 2023 annual accounts of POM and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, scroll to zoom.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,650 EUR awarded · 1,650 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,650 EUR | 1,650 EUR |
European research
1 project · 1 as coordinator · 50,000 EUR EU contributionProgrammes
Projects
POM: Peace of Mind for everyone's invoice administration
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,778. 3,118 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-08-2014
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0560816683
Also
9925:BE0560816683
Registered
17-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.