POS Solutions

Active

Private limited companyfounded 20215 yrs activeLuxemburgstraat 1, 9140 Temse, BelgiumKBO/BCE: BE 0772.914.608

Summary

The computed 12-month bankruptcy probability of POS Solutions is 1.7% (moderate). The 2024 annual accounts show negative equity (€-27k) and a net result of €-5k. Equity is growing by ~129.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 878 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

34 / 100

Weak

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

Axes · tick = 2023

Profitability13▼-87

Solvency0▼-9

Growth78=

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.93 against 0.85 in 2023; short-term debt: 106.3% and cash: 42.5% of total assets), and equity is negative.

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

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

-27.2%

Return on assets

-4.5%

Age of the figures

21 mo

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 58

Relative position

BE, all sectors

reference

Sector 58

lower

← fewer bankruptcies more bankruptcies →

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

222324

2022 to 2024 · latest year €-27k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-07-2025, 25 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

25 d early

2023

17 d early

2022

28 d early

← before the deadline after the deadline →

Checked, nothing found (1)

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

€-27k▼ 19.9%

2023 · €-23k

2022: €-98k 2023: €-23k

2022 → 2024

Total assets

€101k▼ 31.3%

2023 · €147k

2022: €72k 2023: €147k

2022 → 2024

Net result

€-5k

2023 · €75k

2022: €-118k 2023: €75k

2022 → 2024

Working capital

€-7k▲ 71.5%

2023 · €-25k

2022: €-100k 2023: €-25k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€-98k-€-23k▲ 76.7%€-27k▼ 19.9%

Operating result€-111k-€77k€-1k

Net result€-118k-€75k€-5k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €1k after €77k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €101k

99.3%

Fixed assets €692 ▼ 60.1%

Current assets €100k ▼ 30.9%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-175▼

2023 · €78k

Cash flow

€-3k▼

2023 · €76k

Solvency

-27.2%▼

2023 · -15.6%

Current ratio

0.93▲

2023 · 0.85

Quick ratio

0.92▲

2023 · 0.81

Debt to equity

-4.68▲

2023 · -7.42

ROA

-4.5%▼

2023 · 51.3%

Interest coverage

-0.13▼

2023 · 84.35

Debt

€128k▼

2023 · €170k

Debt ≤ 1 year

€107k▼

2023 · €170k

Income taxes

€2k▲

2023 · €757

Staff costs

€272k▲

2023 · €251k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€147k€101k▼

Fixed assets21/28€2k€692▼

Tangible fixed assets22/27€2k€692▼

Plant, machinery and equipment23€2k€692▼

Current assets29/58€145k€100k▼

Stocks and contracts in progress3€8k€2k▼

Stocks30/36€8k€2k▼

Amounts receivable within one year40/41€91k€48k▼

Trade receivables40€91k€47k▼

Other amounts receivable41€112€311▲

Cash at bank and in hand54/58€46k€43k▼

Deferred charges and accrued income490/1-€8k

Equity and liabilities

Total equity and liabilities10/49€147k€101k▼

Equity10/15€-23k€-27k▼

Contributions10/11€20k€20k=

Outside capital11€20k€20k=

Other1109/19€20k€20k=

Profit (loss) carried forward14€-43k€-47k▼

Amounts payable17/49€170k€128k▼

Amounts payable within one year42/48€170k€107k▼

Current portion of amounts payable after more than one year42€18k€18k=

Trade debts44€62k€18k▼

Suppliers440/4€62k€18k▼

Taxes, remuneration and social security45€61k€42k▼

Taxes450/3€27k€20k▼

Remuneration and social security454/9€33k€22k▼

Other amounts payable47/48€29k€30k▲

Accrued charges and deferred income492/3-€21k

Income statement Code20232024

Remuneration, social security and pensions62€251k€272k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€991€1k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€297€952▲

Other operating charges640/8€2k€5k▲

Gross operating margin9900€331k€278k▼

Operating profit (loss)9901€77k€-1k▼

Financial income75/76B-€80

Recurring financial income75-€80

Financial charges65/66B€925€1k▲

Recurring financial charges65€925€1k▲

Profit (loss) for the period before taxes9903€76k€-2k▼

Income taxes67/77€757€2k▲

Profit (loss) for the period9904€75k€-5k▼

Profit (loss) for the period to be appropriated9905€75k€-5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-43k€-47k▼

Profit (loss) brought forward from the previous period14P€-118k€-43k▲

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

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

06-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

14-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €75k

Net result €75k after one loss-making year.

03-07

NBB filing Annual accounts filed

fiscal year 2022 · micro 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, Temse · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Luxemburgstraat 19140 Temse

Ground area

3,598 m²

Building footprint

1,084 m²

Volume, LiDAR

7,775 m³

Parcel 46025B0185/04M000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

POS Solutions

Luxemburgstraat 1, 9140 TemseOther software publishing

since 20212.321.241.177

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46025B0185/04M000	Flanders	3,598 m²	1 · 1,084 m²	9.2 m · 2 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.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,284 companies in sector 58290 we hold annual accounts for 593. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-08-2021

Fiscal year end31-12

Activities, NACEBEL 2025

58290Other software publishing

28230Manufacture of machinery and equipment not elsewhere classified

46500Wholesale of information and communication equipment

62100Computer programming

77330Rental and leasing activities

95100Repair and maintenance of computers and communication equipment

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.