POOL CONCEPTion
ActiveSummary
POOL CONCEPTion has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.21M and a net result of €209k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 1208 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-21
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 6.12 in 2024; short-term debt: 17% and cash: 48% of total assets), and 23.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
76.3%
Return on assets
7.2%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
25 d early
2023
27 d late
2022
13 d early
2021
25 d early
2020
on the day
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Hiring this company for building work? Recognition, activities and what to check first.Contractor check Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by equity in Tournai, Administrative and support services sector#10 employer in Tournai, Administrative and support services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€209k▼ 67.0%
2024 · €632k
Working capital
€1.87M▲ 9.3%
2024 · €1.71M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€292k▲ 67.3%€506k▲ 73.3%€462k▼ 8.8%€892k▲ 93.3%€309k▼ 65.4%
Net result€208k▲ 81.2%€386k▲ 85.4%€324k▼ 16.2%€632k▲ 95.1%€209k▼ 67.0%
Equity€665k▲ 45.6%€1.05M▲ 57.7%€1.37M▲ 30.6%€2.00M▲ 45.9%€2.21M▲ 10.3%
Total assets€1.55M▲ 27.3%€1.96M▲ 26.4%€2.15M▲ 10.1%€2.63M▲ 22.3%€2.89M▲ 9.9%
Debt€882k▲ 16.3%€906k▲ 2.7%€765k▼ 15.6%€601k▼ 21.4%€655k▲ 8.9%
Working capital€353k▲ 35.0%€764k▲ 116%€1.06M▲ 38.7%€1.71M▲ 61.9%€1.87M▲ 9.3%
Staff (FTE)12▲ 9.1%11▼ 8.3%12▲ 9.1%12=11▼ 8.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.89M
Fixed assets
€527k ▼ 9.6%
Current assets
€2.37M ▲ 15.4%
Equity and liabilities €2.89M
Equity
€2.21M ▲ 10.3%
Provisions
€31k =
Debt
€655k ▲ 8.9%
Debt's share of the balance-sheet total falls from 22.8% to 22.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€381k▼
2024 · €978k
Cash flow
€280k▼
2024 · €718k
Current ratio
4.81▼
2024 · 6.12
Quick ratio
3.84▼
2024 · 4.13
Debt to equity
0.30▼
2024 · 0.30
ROE
9.5%▼
2024 · 31.6%
ROA
7.2%▼
2024 · 24.0%
Interest coverage
30.14▼
2024 · 82.71
Debt ≤ 1 year
€492k▲
2024 · €335k
Debt > 1 year
€163k▼
2024 · €236k
Income taxes
€90k▼
2024 · €259k
Staff costs
€703k▼
2024 · €794k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €709k | €755k | €839k | €794k | €703k | ▼ 11.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €93k | €109k | €98k | €86k | €72k | ▼ 16.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €-10k | €-2k | - | €2k | €490 | ▼ 76.4% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €17k | €14k | - | - |
| Other operating charges640/8 | €21k | €12k | €16k | €15k | €60k | ▲ 298% |
| Non-recurring operating charges66A | €2k | €5k | €520 | €19k | €1k | ▼ 92.9% |
| Gross operating margin9900 | €1.11M | €1.38M | €1.43M | €1.82M | €1.15M | ▼ 37.1% |
| Operating profit (loss)9901 | €292k | €506k | €462k | €892k | €309k | ▼ 65.4% |
| Financial income75/76B | €1k | €250 | €5k | €8k | €82 | ▼ 99.0% |
| Recurring financial income75 | €1k | €250 | €5k | €8k | €82 | ▼ 99.0% |
| Financial charges65/66B | €14k | €18k | €19k | €12k | €13k | ▲ 6.8% |
| Recurring financial charges65 | €14k | €18k | €19k | €12k | €13k | ▲ 6.8% |
| Profit (loss) for the period before taxes9903 | €279k | €488k | €448k | €889k | €297k | ▼ 66.6% |
| Transfer from deferred taxes780 | - | €2k | €2k | €2k | €2k | = |
| Income taxes67/77 | €71k | €104k | €126k | €259k | €90k | ▼ 65.2% |
| Profit (loss) for the period9904 | €208k | €386k | €324k | €632k | €209k | ▼ 67.0% |
| Transfer from tax-exempt reserves789 | €2k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €211k | €386k | €324k | €632k | €209k | ▼ 67.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.55M | €1.96M | €2.15M | €2.63M | €2.89M | ▲ 9.9% |
| Fixed assets21/28 | €816k | €721k | €652k | €583k | €527k | ▼ 9.6% |
| Tangible fixed assets22/27 | €803k | €704k | €630k | €561k | €495k | ▼ 11.8% |
| Land and buildings22 | €516k | €500k | €483k | €466k | €449k | ▼ 3.7% |
| Plant, machinery and equipment23 | €30k | €23k | €15k | €20k | €11k | ▼ 44.6% |
| Furniture and vehicles24 | €80k | €59k | €54k | €31k | €24k | ▼ 23.4% |
| Leasing and similar rights25 | €175k | €122k | €79k | €44k | €11k | ▼ 74.5% |
| Other tangible fixed assets26 | €2k | - | - | - | - | - |
| Financial fixed assets28 | €13k | €17k | €22k | €22k | €32k | ▲ 46.4% |
| Current assets29/58 | €732k | €1.23M | €1.50M | €2.05M | €2.37M | ▲ 15.4% |
| Stocks and contracts in progress3 | €402k | €670k | €623k | €665k | €477k | ▼ 28.3% |
| Stocks30/36 | €402k | €660k | €623k | €356k | €465k | ▲ 30.4% |
| Contracts in progress37 | - | €10k | - | €309k | €12k | ▼ 96.1% |
| Amounts receivable within one year40/41 | €248k | €341k | €291k | €496k | €437k | ▼ 11.7% |
| Trade receivables40 | €194k | €278k | €281k | €426k | €290k | ▼ 32.1% |
| Other amounts receivable41 | €54k | €63k | €9k | €69k | €148k | ▲ 113% |
| Cash at bank and in hand54/58 | €59k | €203k | €563k | €867k | €1.39M | ▲ 60.0% |
| Deferred charges and accrued income490/1 | €23k | €21k | €24k | €22k | €64k | ▲ 195% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.55M | €1.96M | €2.15M | €2.63M | €2.89M | ▲ 9.9% |
| Equity10/15 | €665k | €1.05M | €1.37M | €2.00M | €2.21M | ▲ 10.3% |
| Contributions10/11 | €7k | €7k | €7k | €7k | €7k | = |
| Reserves13 | €134k | €134k | €134k | €134k | €134k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €72k | €72k | €72k | €72k | €72k | = |
| Distributable reserves133 | €60k | €60k | €60k | €60k | €60k | = |
| Profit (loss) carried forward14 | €462k | €848k | €1.17M | €1.80M | €2.01M | ▲ 11.6% |
| Investment grants15 | €62k | €60k | €58k | €56k | €54k | ▼ 3.9% |
| Provisions and deferred taxes16 | - | - | €17k | €31k | €31k | = |
| Provisions for liabilities and charges160/5 | - | - | €17k | €31k | €31k | = |
| Other liabilities and charges164/5 | - | - | €17k | €31k | €31k | = |
| Amounts payable17/49 | €882k | €906k | €765k | €601k | €655k | ▲ 8.9% |
| Amounts payable after more than one year17 | €499k | €435k | €310k | €236k | €163k | ▼ 30.8% |
| Financial debts170/4 | €499k | €435k | €310k | €236k | €163k | ▼ 30.8% |
| Amounts payable within one year42/48 | €379k | €471k | €441k | €335k | €492k | ▲ 46.8% |
| Current portion of amounts payable after more than one year42 | €140k | €135k | €123k | €81k | €64k | ▼ 21.1% |
| Financial debts43 | - | €100k | - | - | - | - |
| Credit institutions430/8 | - | €100k | - | - | - | - |
| Trade debts44 | €128k | €97k | €149k | €110k | €260k | ▲ 136% |
| Suppliers440/4 | €128k | €97k | €149k | €110k | €260k | ▲ 136% |
| Taxes, remuneration and social security45 | €110k | €140k | €164k | €133k | €153k | ▲ 15.4% |
| Taxes450/3 | €45k | €62k | €90k | €77k | €99k | ▲ 29.5% |
| Remuneration and social security454/9 | €65k | €78k | €73k | €56k | €54k | ▼ 3.8% |
| Other amounts payable47/48 | €164 | - | €6k | €10k | €14k | ▲ 35.4% |
| Accrued charges and deferred income492/3 | €5k | - | €13k | €31k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €208k | €386k | €324k | €632k | €209k | ▼ 67.0% |
| + Depreciation and write-downs630 | €93k | €109k | €98k | €86k | €72k | ▼ 16.4% |
| Operating cash flow (approximation) | €301k | €495k | €422k | €718k | €280k | ▼ 60.9% |
| Investment in fixed assets (approximation) | - | €-15k | €-29k | €-17k | €-16k | ▲ 7.2% |
| Change in cash | - | €144k | €360k | €305k | €520k | ▲ 70.7% |
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
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2019net €632k ▲95.1%
Operating result €892k, net result €632k, both a record.
31-12
Financial
Equity above €2MEq €2.00M ▲45.9%
6 profitable years in a row build equity to €2.00M.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.05M ▲57.7%
4 profitable years in a row build equity to €1.05M.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €665k ▲45.6%
3 profitable years in a row build equity to €665k.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 89 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Tournai · 1 establishment unit since 2011
Ground area
5,581 m²
Building footprint
263 m²
Volume, LiDAR
215 m³
Parcel 57084B1027/00H000, Wallonia · tallest building 5.1 m. Linked by address, not a title deed.
1 establishment unit
POOL CONCEPTion
since 20112.201.827.249
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57084B1027/00H000 | Wallonia | 5,581 m² | 1 · 263 m² | 5.1 m |
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.
Recognitions · licences · registrations
Recognised contractor
12 categoriesPOOL CONCEPTion SRL40343
POOL CONCEPTion SRL#10224
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Of 21,222 companies in sector 81300 we hold annual accounts for 4,366. 1,041 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-07-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
81300Landscape service activities
43120Site preparation
43240Other construction installation
43350Other building finishing work
43910Bricklaying and masonry work
47521Retail sale of hardware, building materials, paint and glass (general range)
Contact
E-mail
ingrid@pool-concept.com
Scores and ratios are computed by Checked and are not a credit decision.