POZZOLO 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 €298k and a net result of €13k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 45% of 5527 sector peers (fiscal year 2025). The company has been active since 2010 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
20 d late
2023
9 d late
2022
73 d late
2021
87 d late
2020
26 d late
2019
12 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€298k▲ 4.7%
2024 · €284k
2020: €284k
2021: €278k
2022: €278k
2023: €278k
2024: €284k
2020 → 2025
Net result
€13k▲ 116%
2024 · €6k
2020: €572k
2021: €167k
2022: €113k
2023: €164k
2024: €6k
2020 → 2025
Total assets
€657k▼ 16.6%
2024 · €788k
2020: €1.73M
2021: €793k
2022: €1.05M
2023: €1.16M
2024: €788k
2020 → 2025
Solvency
45.3%▲ 9.2pp
2024 · 36.1%
2020: 16.4%
2021: 35.1%
2022: 26.6%
2023: 23.9%
2024: 36.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€278k-€278k=€278k=€284k▲ 2.2%€298k▲ 4.7%
Operating result€173k-€112k▼ 35.4%€214k▲ 91.5%€22k▼ 89.7%€44k▲ 100%
Net result€167k-€113k▼ 32.7%€164k▲ 45.8%€6k▼ 96.3%€13k▲ 116%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 100% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €657k
Fixed assets
€83k▼ 5.1%
Current assets
€574k▼ 18.1%
Equity and liabilities €657k
Equity
€298k▲ 4.7%
Debt
€359k▼ 28.6%
The debt ratio falls from 63.9% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
45.3%▲
2024 · 36.1%
ROE
4.5%▲
2024 · 2.2%
ROA
2.0%▲
2024 · 0.8%
Debt
€359k▼
2024 · €503k
Debt ≤ 1 year
€357k▼
2024 · €490k
Income taxes
€12k▲
2024 · €8k
Staff costs
€248k▼
2024 · €310k
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€788k€657k▼
Fixed assets21/28€88k€83k▼
Intangible fixed assets21€1k€799▼
Tangible fixed assets22/27€87k€82k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€34k€39k▲
Other tangible fixed assets26€47k€40k▼
Current assets29/58€700k€574k▼
Stocks and contracts in progress3€252k€207k▼
Stocks30/36€201k€192k▼
Contracts in progress37€51k€14k▼
Amounts receivable within one year40/41€342k€165k▼
Trade receivables40€286k€149k▼
Other amounts receivable41€56k€17k▼
Cash at bank and in hand54/58€97k€194k▲
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€788k€657k▼
Equity10/15€284k€298k▲
Contributions10/11€21k€21k=
Reserves13€263k€277k▲
Distributable reserves133€263k€277k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€503k€359k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€490k€357k▼
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€48k€51k▲
Suppliers440/4€48k€51k▲
Taxes, remuneration and social security45€39k€13k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€36k€11k▼
Other amounts payable47/48€399k€293k▼
Accrued charges and deferred income492/3€13k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€310k€248k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▲
Other operating charges640/8€5k€49k▲
Gross operating margin9900€362k€367k▲
Operating profit (loss)9901€22k€44k▲
Financial income75/76B€12k€6k▼
Recurring financial income75€12k€6k▼
Financial charges65/66B€20k€26k▲
Recurring financial charges65€20k€26k▲
Profit (loss) for the period before taxes9903€14k€25k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€13k▲
Transfer to equity691/2€6k€13k▲
To other reserves6921€6k€13k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90874.03.0▼
The notes to these accounts (13 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
30-06
Financial
Weakest financial yearnet €6k ▼96.3%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
09-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 73 days late
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 87 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koekelare · 1 establishment unit since 2010
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.
Ambachtenstraat 58680 KoekelareGround area
2,299 m²
Building footprint
764 m²
Volume, LiDAR
3,899 m³
Parcel 32010A1352/00E000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtenstraat 5, 8680 Koekelare
since 20102.201.134.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32010A1352/00E000 | Flanders | 2,299 m² | 1 · 764 m² | 6.3 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-07-2010
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
64200Holdings
64210Activities of holding companies
43221Plumbing work
70200Business and other management consultancy
70220Business consulting
91042Libraries, archives, museums and other cultural activities
91420Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.