POZZOLO SERVICES 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 €803k and a net result of €47k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 5521 sector peers (fiscal year 2025). The company has been active since 2018 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 · 7 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
on the day
← 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€803k▲ 2.2%
2024 · €785k
2019: €42k
2020: €174k
2021: €1.36M
2022: €560k
2023: €701k
2024: €785k
2019 → 2025
Net result
€47k▼ 73.9%
2024 · €178k
2019: €29k
2020: €132k
2021: €1.19M
2022: €-800k
2023: €141k
2024: €178k
2019 → 2025
Total assets
€819k▼ 11.4%
2024 · €924k
2019: €69k
2020: €1.76M
2021: €1.96M
2022: €1.21M
2023: €1.29M
2024: €924k
2019 → 2025
Solvency
98.1%▲ 13.1pp
2024 · 85.0%
2019: 60.8%
2020: 9.9%
2021: 69.4%
2022: 46.3%
2023: 54.2%
2024: 85.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.36M-€560k▼ 58.8%€701k▲ 25.2%€785k▲ 12.0%€803k▲ 2.2%
Operating result€279k-€231k▼ 17.0%€120k▼ 48.0%€121k▲ 0.5%€51k▼ 57.9%
Net result€1.19M-€-800k€141k€178k▲ 26.2%€47k▼ 73.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €819k
Fixed assets
€507k=
Current assets
€312k▼ 25.3%
Equity and liabilities €819k
Equity
€803k▲ 2.2%
Debt
€16k▼ 88.6%
The debt ratio falls from 15.0% to 1.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.1%▲
2024 · 85.0%
ROE
5.8%▼
2024 · 22.7%
ROA
5.7%▼
2024 · 19.3%
Debt
€16k▼
2024 · €139k
Debt ≤ 1 year
€15k▼
2024 · €135k
Income taxes
€18k▼
2024 · €52k
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€924k€819k▼
Fixed assets21/28€507k€507k=
Financial fixed assets28€507k€507k=
Current assets29/58€417k€312k▼
Amounts receivable within one year40/41€399k€308k▼
Trade receivables40€174€0▼
Other amounts receivable41€399k€308k▼
Cash at bank and in hand54/58€18k€2k▼
Deferred charges and accrued income490/1€680€2k▲
Equity and liabilities
Total equity and liabilities10/49€924k€819k▼
Equity10/15€785k€803k▲
Contributions10/11€19k€19k=
Reserves13€767k€784k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€767k€784k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€139k€16k▼
Amounts payable within one year42/48€135k€15k▼
Trade debts44€18k€14k▼
Suppliers440/4€18k€14k▼
Taxes, remuneration and social security45€23k€643▼
Taxes450/3€23k€643▼
Other amounts payable47/48€94k€0▼
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€122k€52k▼
Operating profit (loss)9901€121k€51k▼
Financial income75/76B€110k€15k▼
Recurring financial income75€110k€15k▼
Financial charges65/66B€696€916▲
Recurring financial charges65€696€916▲
Profit (loss) for the period before taxes9903€230k€65k▼
Income taxes67/77€52k€18k▼
Profit (loss) for the period9904€178k€47k▼
Profit (loss) for the period to be appropriated9905€178k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€178k€47k▼
Transfer from equity791/2€102k€29k▼
Transfer to equity691/2€180k€47k▼
To other reserves6921€180k€47k▼
Profit to be distributed694/7€100k€29k▼
Return on contributions (dividend)694€100k€29k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (6 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
30-06
Financial
Liquidity times 7current ratio 21.05
Current ratio from 3.08 to 21.05; short-term debt falls from €135k to €15k.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
30-06
Financial
Liquidity doublescurrent ratio 3.08
Current ratio from 1.33 to 3.08; short-term debt falls from €591k to €135k.
09-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
30-06
Financial
Back to profitnet €141k
Net result €141k after one loss-making year.
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 73 days late
2022
30-06
Financial
Weakest financial yearnet €-800k ▼167%
Net result drops to €-800k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 87 days late
2021
30-06
Financial
Highest result since 2019net €1.19M ▲799%
Operating result €279k, net result €1.19M, both a record.
30-06
Financial
Equity above €1MEq €1.36M ▲683%
3 profitable years in a row build equity to €1.36M.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
Financial
Equity above €150kEq €174k ▲317%
2 profitable years in a row build equity to €174k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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 2018
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
POZZOLO SERVICES
since 20182.280.130.104
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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,159 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2018
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.