Pomme d'Happy
ActiveSummary
Pomme d'Happy has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €441k and a net result of €63k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 699 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+3
Solvency100=
Growth62=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 6.83 against 7.57 in 2023; short-term debt: 13.7% and cash: 51.3% of total assets), and 16.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
83.2%
Return on assets
12%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
36 d early
2022
18 d early
2021
23 d early
2020
32 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€92k▼ 0.3%
2018 · €93k
2018: €93k
2018 → 2019
EBIT margin
19.8%▼ 6.9pp
2018 · 26.7%
2018: 26.7%
2018 → 2019
Net result
€63k▲ 43.1%
2023 · €44k
2018: €33k
2019: €27k
2020: €28k
2021: €27k
2022: €40k
2023: €44k
2018 → 2024
Working capital
€423k▲ 13.0%
2023 · €374k
2018: €208k
2019: €231k
2020: €261k
2021: €289k
2022: €337k
2023: €374k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€267k-€290k▲ 8.8%€335k▲ 15.6%€375k▲ 11.9%€441k▲ 17.6%
Operating result€22k-€22k▲ 2.3%€36k▲ 60.0%€39k▲ 9.3%€58k▲ 46.6%
Net result€28k-€27k▼ 2.5%€40k▲ 48.2%€44k▲ 10.6%€63k▲ 43.1%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 47% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €530k
Fixed assets
€34k ▲ 89.5%
Current assets
€496k ▲ 14.9%
Equity and liabilities €530k
Equity
€441k ▲ 17.6%
Debt
€89k ▲ 19.7%
Debt's share of the balance-sheet total rises from 16.5% to 16.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2023 · €47k
Cash flow
€70k▲
2023 · €52k
Current ratio
6.83▼
2023 · 7.57
Quick ratio
6.83▼
2023 · 7.57
Debt to equity
0.20▲
2023 · 0.20
ROE
14.4%▲
2023 · 11.8%
ROA
12.0%▲
2023 · 9.9%
Interest coverage
129.10▼
2023 · 374.46
Debt ≤ 1 year
€73k▲
2023 · €57k
Debt > 1 year
€13k▼
2023 · €14k
Staff costs
€456k▲
2023 · €438k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€450k€530k▲
Fixed assets21/28€18k€34k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€18k€34k▲
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€12k€30k▲
Current assets29/58€431k€496k▲
Stocks and contracts in progress3€326€465▲
Stocks30/36€326€465▲
Amounts receivable within one year40/41€52k€72k▲
Trade receivables40€14k€8k▼
Other amounts receivable41€39k€64k▲
Current investments50/53€150k€150k=
Cash at bank and in hand54/58€226k€272k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€450k€530k▲
Equity10/15€375k€441k▲
Reserves13€51k€69k▲
Profit (loss) carried forward14€312k€358k▲
Investment grants15€11k€14k▲
Amounts payable17/49€74k€89k▲
Amounts payable after more than one year17€14k€13k▼
Other amounts payable178/9€14k€13k▼
Amounts payable within one year42/48€57k€73k▲
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€50k€66k▲
Taxes450/3-€3k
Remuneration and social security454/9€50k€62k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€438k€456k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€766€775▲
Non-recurring operating charges66A€43-
Gross operating margin9900€485k€521k▲
Operating profit (loss)9901€39k€58k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€125€500▲
Recurring financial charges65€125€500▲
Profit (loss) for the period before taxes9903€44k€63k▲
Profit (loss) for the period9904€44k€63k▲
Profit (loss) for the period to be appropriated9905€44k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€316k€376k▲
Profit (loss) brought forward from the previous period14P€271k€312k▲
To contributions691€3k€18k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €63k ▲43.1%
Operating result €58k, net result €63k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €27k ▼19.2%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2011
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.
Rue du Poirier 121348 Ottignies-Louvain-la-NeuveGround area
1,148 m²
Building footprint
131 m²
Parcel 25386B0137/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Pomme d'Happy
since 20112.195.444.451
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0137/00H000 | Wallonia | 1,148 m² | 1 · 131 m² | - |
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
Wallonia-Brussels Federation
2024 to 2025 · 4 entries · 639,477 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 2 | 334,955 EUR |
| 2024 | 2 | 304,522 EUR |
Budget allocations
Sub. - PU : Crèches
Rétro. / Récup. Sub. - PU : Crèches
Recognitions · licences · registrations
Food safety, FASFC
1 siteOttignies-Louvain-la-Neuve2.195.444.451
Legal Entity Identifier
6488B2W63QZ4T064VL47
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Of 1,590 companies in sector 88911 we hold annual accounts for 707. 503 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 formNon-profit association
Founded16-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pommedhappy@uclouvain.be