PROXY POEL
ActivePROXY POEL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €4k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability24▲+24
Solvency15▲+3
Growth58=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.77 against 0.69 in 2024), and 86.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.7%
Return on assets
0.7%
Age of the figures
10 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10206 sector peers (2025).
NBB · sector comparisonPosition among 10206 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 26-05-2026, 5 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
5 d early
2024
4 d early
2023
1 d early
2022
6 d early
2021
26 d early
2020
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€3.17M
EBIT margin
-2.7%
Net result
€4k
2024 · €-4k
2020: €-107k
2021: €13k
2022: €-69k
2023: €1k
2024: €-4k
2020 → 2025
Working capital
€-89k▲ 28.2%
2024 · €-123k
2020: €-154k
2021: €-141k
2022: €-170k
2023: €-151k
2024: €-123k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€87k▼ 44.2%€88k▲ 1.5%€85k▼ 4.3%€89k▲ 5.0%
Operating result€23k-€-57k€4k€14k▲ 268%€9k▼ 34.8%
Net result€13k-€-69k€1k€-4k€4k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €650k
Fixed assets
€350k▼ 19.5%
Current assets
€300k▲ 9.6%
Equity and liabilities €650k
Equity
€89k▲ 5.0%
Debt
€561k▼ 10.1%
The debt ratio falls from 88.1% to 86.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€94k▼
2024 · €99k
Cash flow
€89k▲
2024 · €82k
Solvency
13.7%▲
2024 · 11.9%
Current ratio
0.77▲
2024 · 0.69
Quick ratio
0.34▲
2024 · 0.25
Debt / equity
6.32▼
2024 · 7.39
ROE
4.8%▲
2024 · -4.5%
ROA
0.7%▲
2024 · -0.5%
Interest coverage
18.04▲
2024 · 5.45
Debt
€561k▼
2024 · €624k
Debt ≤ 1 year
€389k▼
2024 · €397k
Debt > 1 year
€172k▼
2024 · €227k
Staff costs
€240k▲
2024 · €206k
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€709k€650k▼
Fixed assets21/28€435k€350k▼
Tangible fixed assets22/27€432k€347k▼
Plant, machinery and equipment23€212k€170k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€212k€172k▼
Financial fixed assets28€3k€3k=
Current assets29/58€274k€300k▲
Stocks and contracts in progress3€176k€168k▼
Stocks30/36€176k€168k▼
Amounts receivable within one year40/41€41k€35k▼
Trade receivables40€15k€14k▼
Other amounts receivable41€26k€21k▼
Cash at bank and in hand54/58€46k€81k▲
Deferred charges and accrued income490/1€10k€15k▲
Equity and liabilities
Total equity and liabilities10/49€709k€650k▼
Equity10/15€85k€89k▲
Contributions10/11€250k€250k=
Profit (loss) carried forward14€-165k€-161k▲
Amounts payable17/49€624k€561k▼
Amounts payable after more than one year17€227k€172k▼
Financial debts170/4€227k€172k▼
Amounts payable within one year42/48€397k€389k▼
Current portion of amounts payable after more than one year42€58k€59k▲
Trade debts44€312k€294k▼
Suppliers440/4€312k€294k▼
Taxes, remuneration and social security45€27k€31k▲
Taxes450/3€0-
Remuneration and social security454/9€27k€31k▲
Other amounts payable47/48€0€5k▲
Accrued charges and deferred income492/3€317€257▼
Income statement
Code20242025
Remuneration, social security and pensions62€206k€240k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€85k▼
Other operating charges640/8€7k€11k▲
Non-recurring operating charges66A€0€5k▲
Gross operating margin9900€313k€349k▲
Operating profit (loss)9901€14k€9k▼
Financial income75/76B€518€428▼
Recurring financial income75€518€428▼
Financial charges65/66B€18k€5k▼
Recurring financial charges65€18k€5k▼
Profit (loss) for the period before taxes9903€-4k€4k▲
Profit (loss) for the period9904€-4k€4k▲
Profit (loss) for the period to be appropriated9905€-4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-165k€-161k▲
Profit (loss) brought forward from the previous period14P€-162k€-165k▼
Social balance
Average headcount (FTE)90879.99.8▼
The notes to these accounts (18 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-10
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-10
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-10
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-10
Financial
Equity above €150kEq €156k ▲9.1%
Equity rises from €143k to €156k.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2019
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.
Poel 229000 GentGround area
1,033 m²
Building footprint
919 m²
Volume, LiDAR
7,387 m³
Parcel 44815F3722/00A000, Flanders · tallest building 20.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROXY POEL
since 20192.292.971.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F3722/00A000 | Flanders | 1,033 m² | 1 · 919 m² | 19.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.292.971.023
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,623 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2019
Fiscal year end31-10
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.