POM BDC
ActiveThe computed 12-month bankruptcy probability of POM BDC is 2.0% (moderate). The 2025 annual accounts show equity of €236k and a net result of €-305. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 10345 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+29
Solvency62▲+12
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.35 in 2024; short-term debt: 36.1% and cash: 17.6% of total assets), but 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-305
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
56 d late
2022
52 d late
2021
24 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-305▲ 99.5%
2024 · €-63k
2021: €7k
2022: €196k
2023: €86k
2024: €-63k
2021 → 2025
Working capital
€233k▲ 31.4%
2024 · €177k
2021: €-108k
2022: €71k
2023: €187k
2024: €177k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€213k▲ 273%€299k▲ 40.5%€236k▼ 21.0%€236k▼ 0.1%
Operating result€18k-€209k▲ 1,037%€121k▼ 42.2%€-51k€15k
Net result€7k-€196k▲ 2,647%€86k▼ 56.0%€-63k€-305▲ 99.5%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €51k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €644k
Fixed assets
€179k▼ 34.0%
Current assets
€465k▼ 32.0%
Equity and liabilities €644k
Equity
€236k▼ 0.1%
Debt
€408k▼ 43.2%
The debt ratio falls from 75.3% to 63.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€107k▲
2024 · €44k
Cash flow
€92k▲
2024 · €33k
Solvency
36.6%▲
2024 · 24.7%
Current ratio
2.00▲
2024 · 1.35
Quick ratio
1.42▲
2024 · 1.08
Debt / equity
1.73▼
2024 · 3.04
ROE
-0.1%▲
2024 · -26.7%
ROA
0.0%▲
2024 · -6.6%
Interest coverage
7.08▲
2024 · 3.53
Debt
€408k▼
2024 · €719k
Debt ≤ 1 year
€232k▼
2024 · €506k
Debt > 1 year
€175k▼
2024 · €212k
Staff costs
€248k▲
2024 · €220k
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€955k€644k▼
Fixed assets21/28€272k€179k▼
Tangible fixed assets22/27€272k€179k▼
Plant, machinery and equipment23€92k€29k▼
Furniture and vehicles24€22k€19k▼
Other tangible fixed assets26€158k€131k▼
Current assets29/58€683k€465k▼
Stocks and contracts in progress3€138k€135k▼
Stocks30/36€138k€135k▼
Amounts receivable within one year40/41€363k€209k▼
Trade receivables40€356k€2k▼
Other amounts receivable41€7k€207k▲
Cash at bank and in hand54/58€182k€113k▼
Deferred charges and accrued income490/1€48€8k▲
Equity and liabilities
Total equity and liabilities10/49€955k€644k▼
Equity10/15€236k€236k▼
Contributions10/11€50k€50k=
Reserves13€249k€249k=
Distributable reserves133€249k€249k=
Profit (loss) carried forward14€-63k€-63k▼
Amounts payable17/49€719k€408k▼
Amounts payable after more than one year17€212k€175k▼
Financial debts170/4€212k€175k▼
Amounts payable within one year42/48€506k€232k▼
Current portion of amounts payable after more than one year42€42k€43k▲
Trade debts44€389k€135k▼
Suppliers440/4€389k€135k▼
Taxes, remuneration and social security45€75k€54k▼
Taxes450/3€23k€6k▼
Remuneration and social security454/9€51k€48k▼
Other amounts payable47/48€493€493=
Accrued charges and deferred income492/3€14€864▲
Income statement
Code20242025
Remuneration, social security and pensions62€220k€248k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€92k▼
Other operating charges640/8€8k€2k▼
Gross operating margin9900€272k€358k▲
Operating profit (loss)9901€-51k€15k▲
Financial income75/76B€2k€194▼
Recurring financial income75€2k€194▼
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€-62k€-305▲
Income taxes67/77€624-
Profit (loss) for the period9904€-63k€-305▲
Profit (loss) for the period to be appropriated9905€-63k€-305▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-63k▼
Profit (loss) brought forward from the previous period14P€247€-63k▼
Social balance
Average headcount (FTE)90879.49.1▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-63k ▼173%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 56 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 52 days late
2022
31-12
Financial
Highest result since 2021net €196k ▲2647%
Operating result €209k, net result €196k, both a record.
31-12
Financial
Equity above €200kEq €213k ▲273%
2 profitable years in a row build equity to €213k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Liège · 1 establishment unit since 2021
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.
Boulevard Saucy 204020 LiègeGround area
835 m²
Building footprint
869 m²
Volume, LiDAR
7,402 m³
Parcel 62816D0222/00K002, Wallonia · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
POM BDC
since 20212.320.396.881
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62816D0222/00K002 | Wallonia | 835 m² | 1 · 869 m² | 13.3 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.320.396.881
Similar companies · same sector, comparable size
ASIA FOOD
BE 0441.950.509
Antwerpen · Eq €236k
SUPER MARKET HERSTAL
BE 0646.867.066
Herstal · Eq €236k
LE PARADIS DU FRUIT
BE 0765.731.460
Brussel · Eq €236k
CHOICE LINE
BE 0879.683.595
Antwerpen · Eq €236k
SM DINANT
BE 1007.520.984
Dinant · Eq €236k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,053 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.