POLDERHUIS
ActiveSummary
The computed 12-month bankruptcy probability of POLDERHUIS is 1.5% (moderate). The 2025 annual accounts show equity of €100k and a net result of €3k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 13305 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
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+1
Solvency45▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.94 against 0.82 in 2024; short-term debt: 69.3% and cash: 2.1% of total assets), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
19.5%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
30 d late
2022
23 d late
2021
52 d late
2020
33 d early
2019
on the day
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 3.1%
2024 · €97k
2018: €41k
2019: €61k
2020: €83k
2021: €99k
2022: €86k
2023: €95k
2024: €97k
2018 → 2025
Total assets
€513k▲ 28.9%
2024 · €398k
2018: €273k
2019: €296k
2020: €277k
2021: €278k
2022: €373k
2023: €376k
2024: €398k
2018 → 2025
Net result
€3k▲ 46.1%
2024 · €2k
2018: €21k
2019: €19k
2020: €22k
2021: €16k
2022: €26k
2023: €14k
2024: €2k
2018 → 2025
Working capital
€-21k▲ 50.7%
2024 · €-42k
2018: €-11k
2019: €-2k
2020: €25k
2021: €-29k
2022: €-38k
2023: €-42k
2024: €-42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€86k▼ 13.7%€95k▲ 10.9%€97k▲ 2.2%€100k▲ 3.1%
Operating result€28k-€41k▲ 44.8%€30k▼ 27.0%€27k▼ 8.8%€27k▼ 1.1%
Net result€16k-€26k▲ 63.4%€14k▼ 45.7%€2k▼ 85.5%€3k▲ 46.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 1% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €508k
Fixed assets
€174k ▼ 11.1%
Current assets
€335k ▲ 70.3%
Equity and liabilities €513k
Equity
€100k ▲ 3.1%
Debt
€413k ▲ 37.3%
Debt's share of the balance-sheet total rises from 75.6% to 80.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▼
2024 · €75k
Cash flow
€48k▼
2024 · €50k
Current ratio
0.94▲
2024 · 0.82
Quick ratio
0.45▲
2024 · 0.29
Debt to equity
4.12▲
2024 · 3.10
ROE
3.0%▲
2024 · 2.1%
ROA
0.6%▲
2024 · 0.5%
Interest coverage
3.62▲
2024 · 3.58
Debt ≤ 1 year
€355k▲
2024 · €238k
Debt > 1 year
€57k▼
2024 · €62k
Income taxes
€4k▼
2024 · €4k
Staff costs
€210k▼
2024 · €290k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€398k€513k▲
Formation expenses20€6k€4k▼
Fixed assets21/28€195k€174k▼
Intangible fixed assets21€3k€500▼
Tangible fixed assets22/27€190k€170k▼
Plant, machinery and equipment23€80k€71k▼
Furniture and vehicles24€13k€16k▲
Leasing and similar rights25€543-
Other tangible fixed assets26€96k€84k▼
Financial fixed assets28€3k€3k=
Current assets29/58€196k€335k▲
Stocks and contracts in progress3€126k€173k▲
Stocks30/36€126k€173k▲
Amounts receivable within one year40/41€55k€146k▲
Trade receivables40€33k€131k▲
Other amounts receivable41€22k€16k▼
Cash at bank and in hand54/58€6k€11k▲
Deferred charges and accrued income490/1€10k€4k▼
Equity and liabilities
Total equity and liabilities10/49€398k€513k▲
Equity10/15€97k€100k▲
Contributions10/11€10k€10k=
Reserves13€87k€90k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€80k€83k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€301k€413k▲
Amounts payable after more than one year17€62k€57k▼
Financial debts170/4€62k€57k▼
Amounts payable within one year42/48€238k€355k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Financial debts43€10k€14k▲
Credit institutions430/8€10k€14k▲
Trade debts44€114k€200k▲
Suppliers440/4€114k€200k▲
Taxes, remuneration and social security45€89k€115k▲
Taxes450/3€59k€85k▲
Remuneration and social security454/9€30k€30k▲
Other amounts payable47/48€225€362▲
Accrued charges and deferred income492/3€4-
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€290k€210k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€45k▼
Other operating charges640/8€7k€10k▲
Gross operating margin9900€371k€292k▼
Operating profit (loss)9901€27k€27k▼
Financial income75/76B€207€6▼
Recurring financial income75€207€6▼
Financial charges65/66B€21k€20k▼
Recurring financial charges65€21k€20k▼
Profit (loss) for the period before taxes9903€6k€7k▲
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Transfer to equity691/2€2k€3k▲
To other reserves6921€2k€3k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €100k ▲3.1%
8 profitable years in a row build equity to €100k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼85.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €26k ▲63.4%
Operating result €41k, net result €26k, both a record.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Lokeren · 1 establishment unit since 2016
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.
Kruisstraat 769180 LokerenGround area
4,390 m²
Building footprint
746 m²
Volume, LiDAR
3,058 m³
Parcel 44045A0144/00B002, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
POLDERHUIS BVBA
since 20162.251.821.544
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44045A0144/00B002 | Flanders | 4,390 m² | 1 · 746 m² | 6.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 311 EUR awarded · 311 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2022 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.251.821.544
Dual-learning approval
2 live approvals · 2 endedKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Show 2 ended approvals
Hulpkok (so)
Keukenmedewerker (so)
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,566 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.