POOL & HOUSE

Active

Private limited companyfounded 200719 yrs activeIlse Velden 21, 2260 Westerlo, BelgiumKBO/BCE: BE 0891.411.291

POOL & HOUSE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 64% of 36376 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Watch Print / PDF

Checked score

Score 2024

78 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability79▲+31

Solvency84▼-15

Growth58▼-20

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.43 against 3.88 in 2023; short-term debt: 41.2% and cash: 48.4% of total assets), and 41.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

58.8%

Return on assets

8.5%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

17 d early

2023

21 d early

2022

14 d early

2021

30 d early

2020

47 d early

2019

29 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€45k▼ 8.6%

2023 · €49k

2018: €46k 2019: €44k 2020: €45k 2021: €45k 2022: €46k 2023: €49k

2018 → 2024

Total assets

€76k▲ 15.5%

2023 · €66k

2018: €71k 2019: €73k 2020: €108k 2021: €132k 2022: €84k 2023: €66k

2018 → 2024

Net result

€6k▲ 124%

2023 · €3k

2018: €638 2019: €-2k 2020: €339 2021: €933 2022: €762 2023: €3k

2018 → 2024

Working capital

€45k▼ 8.6%

2023 · €49k

2018: €46k 2019: €44k 2020: €43k 2021: €26k 2022: €31k 2023: €49k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€45k-€45k▲ 2.1%€46k▲ 1.7%€49k▲ 6.2%€45k▼ 8.6%

Operating result€2k-€1k▼ 37.7%€3k▲ 166%€3k▲ 17.4%€8k▲ 153%

Net result€339-€933▲ 175%€762▼ 18.4%€3k▲ 279%€6k▲ 124%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2021 the operating result has climbed three years in a row; 2024 is 153% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €76k

58.8%

41.2%

Equity €45k▼ 8.6%

Debt €32k▲ 85.0%

The debt ratio rises from 25.7% to 41.2%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€8k▲

2023 · €4k

Cash flow

€6k▲

2023 · €3k

Solvency

58.8%▼

2023 · 74.3%

Current ratio

2.43▼

2023 · 3.88

Quick ratio

2.43▼

2023 · 3.88

Debt / equity

0.70▲

2023 · 0.35

ROE

14.4%▲

2023 · 5.9%

ROA

8.5%▲

2023 · 4.4%

Interest coverage

1296.59

Debt

€32k▲

2023 · €17k

Debt ≤ 1 year

€32k▲

2023 · €17k

Income taxes

€2k▲

2023 · €454

Staff costs

€44k▲

2023 · €33k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€66k€76k▲

Current assets29/58€66k€76k▲

Amounts receivable within one year40/41€46k€39k▼

Trade receivables40€45k€38k▼

Other amounts receivable41€2k€2k▲

Cash at bank and in hand54/58€20k€37k▲

Equity and liabilities

Total equity and liabilities10/49€66k€76k▲

Equity10/15€49k€45k▼

Contributions10/11€19k€19k=

Reserves13€31k€26k▼

Distributable reserves133€31k€26k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€17k€32k▲

Amounts payable within one year42/48€17k€32k▲

Trade debts44€2k€1k▼

Suppliers440/4€2k€1k▼

Taxes, remuneration and social security45€10k€15k▲

Taxes450/3€3k€7k▲

Remuneration and social security454/9€7k€8k▲

Other amounts payable47/48€4k€15k▲

Income statement Code20232024

Non-recurring operating income76A€5k€0▼

Remuneration, social security and pensions62€33k€44k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€421€0▼

Other operating charges640/8€738€569▼

Gross operating margin9900€38k€53k▲

Operating profit (loss)9901€3k€8k▲

Financial charges65/66B-€7

Recurring financial charges65-€7

Profit (loss) for the period before taxes9903€3k€8k▲

Income taxes67/77€454€2k▲

Profit (loss) for the period9904€3k€6k▲

Profit (loss) for the period to be appropriated9905€3k€6k▲

Appropriation of the result

Profit (loss) to be appropriated9906€3k€6k▲

Transfer from equity791/2-€11k

Transfer to equity691/2€3k€6k▲

To other reserves6921€3k€6k▲

Profit to be distributed694/7-€11k

Return on contributions (dividend)694-€11k

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

14-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2018net €6k ▲124%

Operating result €8k, net result €6k, both a record.

10-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity doublescurrent ratio 3.88

Current ratio from 1.84 to 3.88; short-term debt falls from €37k to €17k.

17-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

01-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

14-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Back to profitnet €339

Net result €339 after one loss-making year.

02-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Weakest financial yearnet €-2k ▼401%

Net result drops to €-2k, the lowest in the series; recovery starts the following year.

24-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

18-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

22-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

17-05

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.