Summary
POTAME is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €796k and a net result of €63k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 8048 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
5 d late
2023
19 d late
2022
27 d late
2021
31 d late
2020
2 d early
2019
9 d early
← 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
Financials · fiscal year 2025, micro schema
Equity
€796k▲ 8.6%
2024 · €733k
2018: €522klowest in 8 years
2019: €699k▲ +34.0% vs 2018
2020: €750k▲ +7.3% vs 2019
2021: €595k▼ -20.6% vs 2020
2022: €637k▲ +7.0% vs 2021
2023: €700k▲ +9.9% vs 2022
2024: €733k▲ +4.7% vs 2023
2025: €796k▲ +8.6% vs 2024highest in 8 years
2018 → 2025
Net result
€63k▲ 92.4%
2024 · €33k
2018: €149k
2019: €177k▲ +19.2% vs 2018highest in 8 years
2020: €51k▼ -71.2% vs 2019
2021: €13k▼ -74.7% vs 2020lowest in 8 years
2022: €81k▲ +530% vs 2021
2023: €63k▼ -22.5% vs 2022
2024: €33k▼ -47.9% vs 2023
2025: €63k▲ +92.4% vs 2024
2018 → 2025
Total assets
€1.07M▲ 3.2%
2024 · €1.04M
2018: €783k
2019: €869k▲ +10.9% vs 2018
2020: €838k▼ -3.5% vs 2019
2021: €607k▼ -27.6% vs 2020lowest in 8 years
2022: €697k▲ +15.0% vs 2021
2023: €718k▲ +2.9% vs 2022
2024: €1.04M▲ +44.2% vs 2023
2025: €1.07M▲ +3.2% vs 2024highest in 8 years
2018 → 2025
Solvency
74.5%▲ 3.7pp
2024 · 70.8%
2018: 66.6%lowest in 8 years
2019: 80.4%▲ +20.8% vs 2018
2020: 89.5%▲ +11.2% vs 2019
2021: 98.1%▲ +9.7% vs 2020highest in 8 years
2022: 91.3%▼ -7.0% vs 2021
2023: 97.5%▲ +6.8% vs 2022
2024: 70.8%▼ -27.4% vs 2023
2025: 74.5%▲ +5.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€595k-€637k▲ 7.0%€700k▲ 9.9%€733k▲ 4.7%€796k▲ 8.6%
2021: €595klowest in 5 years
2022: €637k▲ +7.0% vs 2021
2023: €700k▲ +9.9% vs 2022
2024: €733k▲ +4.7% vs 2023
2025: €796k▲ +8.6% vs 2024highest in 5 years
Operating result€17k-€52k▲ 207%€34k▼ 34.5%€18k▼ 46.1%€72k▲ 291%
2021: €17klowest in 5 years
2022: €52k▲ +207% vs 2021
2023: €34k▼ -34.5% vs 2022
2024: €18k▼ -46.1% vs 2023
2025: €72k▲ +291% vs 2024highest in 5 years
Net result€13k-€81k▲ 530%€63k▼ 22.5%€33k▼ 47.9%€63k▲ 92.4%
2021: €13klowest in 5 years
2022: €81k▲ +530% vs 2021highest in 5 years
2023: €63k▼ -22.5% vs 2022
2024: €33k▼ -47.9% vs 2023
2025: €63k▲ +92.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 291% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€903k ▼ 1.4%
Current assets
€165k ▲ 38.9%
Equity and liabilities €1.07M
Equity
€796k ▲ 8.6%
Debt
€273k ▼ 9.9%
Debt's share of the balance-sheet total falls from 29.2% to 25.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.9%▲
2024 · 4.5%
ROA
5.9%▲
2024 · 3.2%
Debt ≤ 1 year
€70k▲
2024 · €55k
Debt > 1 year
€202k▼
2024 · €247k
Income taxes
€19k▲
2024 · €4k
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.04M€1.07M▲
Fixed assets21/28€916k€903k▼
Tangible fixed assets22/27€357k€344k▼
Land and buildings22€352k€340k▼
Plant, machinery and equipment23€5k€4k▼
Financial fixed assets28€559k€559k=
Current assets29/58€119k€165k▲
Amounts receivable within one year40/41€529-
Other amounts receivable41€529-
Cash at bank and in hand54/58€118k€165k▲
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.07M▲
Equity10/15€733k€796k▲
Reserves13€87k€147k▲
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Distributable reserves133€70k€130k▲
Profit (loss) carried forward14€646k€649k▲
Amounts payable17/49€302k€273k▼
Amounts payable after more than one year17€247k€202k▼
Financial debts170/4€247k€202k▼
Amounts payable within one year42/48€55k€70k▲
Current portion of amounts payable after more than one year42€44k€45k▲
Taxes, remuneration and social security45€7k€20k▲
Taxes450/3€7k€20k▲
Other amounts payable47/48€5k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€67k€21k▼
Gross operating margin9900€99k€106k▲
Operating profit (loss)9901€18k€72k▲
Financial income75/76B€30k€20k▼
Recurring financial income75€30k€20k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€37k€82k▲
Income taxes67/77€4k€19k▲
Profit (loss) for the period9904€33k€63k▲
Profit (loss) for the period to be appropriated9905€33k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€676k€709k▲
Profit (loss) brought forward from the previous period14P€643k€646k▲
Transfer to equity691/2€30k€60k▲
To other reserves6921€30k€60k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €263 | €790 | €790 | €13k | €13k | = |
| Other operating charges640/8 | €440 | - | €220 | €67k | €21k | ▼ 68.2% |
| Gross operating margin9900 | €18k | €53k | €35k | €99k | €106k | ▲ 7.5% |
| Operating profit (loss)9901 | €17k | €52k | €34k | €18k | €72k | ▲ 291% |
| Financial income75/76B | - | €40k | €40k | €30k | €20k | ▼ 33.3% |
| Recurring financial income75 | - | €40k | €40k | €30k | €20k | ▼ 33.3% |
| Financial charges65/66B | €804 | €208 | €172 | €11k | €10k | ▼ 12.7% |
| Recurring financial charges65 | €804 | €208 | €172 | €11k | €10k | ▼ 12.7% |
| Profit (loss) for the period before taxes9903 | €16k | €92k | €74k | €37k | €82k | ▲ 120% |
| Income taxes67/77 | €3k | €10k | €11k | €4k | €19k | ▲ 321% |
| Profit (loss) for the period9904 | €13k | €81k | €63k | €33k | €63k | ▲ 92.4% |
| Profit (loss) for the period to be appropriated9905 | €13k | €81k | €63k | €33k | €63k | ▲ 92.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €607k | €697k | €718k | €1.04M | €1.07M | ▲ 3.2% |
| Fixed assets21/28 | €567k | €566k | €565k | €916k | €903k | ▼ 1.4% |
| Tangible fixed assets22/27 | €8k | €7k | €6k | €357k | €344k | ▼ 3.6% |
| Land and buildings22 | - | - | - | €352k | €340k | ▼ 3.4% |
| Plant, machinery and equipment23 | €8k | €7k | €6k | €5k | €4k | ▼ 15.0% |
| Financial fixed assets28 | €559k | €559k | €559k | €559k | €559k | = |
| Current assets29/58 | €40k | €131k | €153k | €119k | €165k | ▲ 38.9% |
| Amounts receivable within one year40/41 | €16k | €18k | €50k | €529 | - | - |
| Trade receivables40 | - | €18k | €50k | - | - | - |
| Other amounts receivable41 | €16k | €6 | - | €529 | - | - |
| Cash at bank and in hand54/58 | €23k | €113k | €103k | €118k | €165k | ▲ 39.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €607k | €697k | €718k | €1.04M | €1.07M | ▲ 3.2% |
| Equity10/15 | €595k | €637k | €700k | €733k | €796k | ▲ 8.6% |
| Reserves13 | €17k | €17k | €57k | €87k | €147k | ▲ 69.2% |
| Non-distributable reserves130/1 | €17k | €17k | €17k | €17k | €17k | = |
| Reserves not available under the articles1311 | €17k | €17k | €17k | €17k | €17k | = |
| Distributable reserves133 | - | - | €40k | €70k | €130k | ▲ 85.7% |
| Profit (loss) carried forward14 | €579k | €620k | €643k | €646k | €649k | ▲ 0.5% |
| Amounts payable17/49 | €11k | €61k | €18k | €302k | €273k | ▼ 9.9% |
| Amounts payable after more than one year17 | - | - | - | €247k | €202k | ▼ 18.3% |
| Financial debts170/4 | - | - | - | €247k | €202k | ▼ 18.3% |
| Amounts payable within one year42/48 | €11k | €61k | €18k | €55k | €70k | ▲ 27.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €44k | €45k | ▲ 3.5% |
| Trade debts44 | €1k | €2k | €2k | - | - | - |
| Suppliers440/4 | €1k | €2k | €2k | - | - | - |
| Taxes, remuneration and social security45 | €6k | €26k | €11k | €7k | €20k | ▲ 202% |
| Taxes450/3 | €6k | €26k | €7k | €7k | €20k | ▲ 202% |
| Remuneration and social security454/9 | - | - | €4k | - | - | - |
| Other amounts payable47/48 | €4k | €32k | €5k | €5k | €5k | ▲ 4.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €81k | €63k | €33k | €63k | ▲ 92.4% |
| + Depreciation and write-downs630 | €263 | €790 | €790 | €13k | €13k | = |
| Operating cash flow (approximation) | €13k | €82k | €64k | €46k | €76k | ▲ 66.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-364k | €0 | ▲ 100% |
| Change in cash | - | €90k | €-11k | €16k | €47k | ▲ 199% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 8.46
Current ratio from 2.17 to 8.46; short-term debt falls from €61k to €18k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €13k ▼74.7%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 357 days late
2019
31-12
Financial
Highest result since 2018net €177k ▲19.2%
Net result €177k, the highest in the series.
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 395 days late
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.
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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, Liège · 1 establishment unit since 2016
Ground area
236 m²
Building footprint
69 m²
Volume, LiDAR
761 m³
Parcel 62804D0434/00R005, Wallonia · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
POTAME
since 20162.249.082.382
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804D0434/00R005 | Wallonia | 236 m² | 1 · 69 m² | 12.6 m · 4 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,168 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
Founded07-01-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.