Pool-Care · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Pool-Care is 2.8% (moderate). The 2024 annual accounts show negative equity (€-158k) and a net result of €-107k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 1225 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.8% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00526139
31-12-2023	31-07-2024	30-08-2024	30 d late	2024-00449579
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00411490
31-12-2021	31-07-2022	31-08-2022	31 d late	2022-20425485

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-107k+5.8%

Working capital€546k0%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~44% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	-13.2%	20.4%	better than 12% of 1225 sector peers
Net result	€-107k	€26k	better than 8% of 1224 sector peers
Equity	€-158k	€142k	better than 6% of 1225 sector peers
Gross operating margin	€26k	€217k	better than 16% of 1223 sector peers
Staff costs	€71k	€163k	higher than 24% of 933 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P12

Weakening position over 2021-2024 · n=677-1225

Net result P8

Weakening position over 2021-2024 · n=675-1224

Equity P6

Weakening position over 2021-2024 · n=677-1225

Gross operating margin P16

Stable position over 2021-2024 · n=675-1223

Describes the position versus peers, not a forecast.

EBITDA

€-48k

+32.0% 21-24

Net profit

€-107k

+5.8% 21-24

Cash flow

€-87k

+10.6% 21-24

Total assets

€1.19M

+18.8% 21-24

Equity

€-158k

-213.2% 21-24

Working capital

€546k

0.0% 21-24

Employees (FTE)

2

-26.9% 21-24

Staff costs

€71k

-33.2% 21-24

Income taxes

€0

-100.0% 21-24

Debt

€1.35M

+28.1% 21-24

Debt ≤ 1y

€567k

+58.2% 21-24

Debt > 1y

€758k

+11.1% 21-24

Current ratio

1.96

-22.2% 21-24

Quick ratio

0.55

+5.3% 21-24

Solvency

-13.2%

-163.6% 21-24

Debt / equity

-8.55

+59.1% 21-24

ROE

68.1%

-69.9% 21-24

ROA

-9.0%

+20.7% 21-24

Interest coverage

-1.21

+52.9% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€-48k
Net profit	€-107k
Cash flow	€-87k
Staff costs	€71k
Income taxes	-
Dividends	-
Total assets	€1.19M
Equity	€-158k
Debt	€1.35M
of which ≤ 1y	€567k
of which > 1y	€758k
Working capital	€546k
Employees (FTE)	1.9

Ratios (computed)

	2024
Current ratio	1.96
Quick ratio	0.55
Working capital ratio	45.9%
Solvency	-13.2%
Debt / equity	-8.55
Long-term debt ratio	-4.81
Interest coverage	-1.21
Gross margin	-
Net margin	-
ROA	-9.0%
ROE	68.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €77k · 6.5% Current assets €1.11M · 93.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.19M
Fixed assets	21/28	€77k
Intangible fixed assets	21	€4k
Tangible fixed assets	22/27	€74k
Current assets	29/58	€1.11M
Stocks & contracts in progress	3	€799k
Amounts receivable within one year	40/41	€256k
Cash & bank	54/58	€51k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.19M
Equity	10/15	€-158k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€-168k
Amounts payable	17/49	€1.35M
Amounts payable after one year	17	€758k
Amounts payable within one year	42/48	€567k
Trade debts payable within one year	44	€229k
Income statement
Gross operating margin	9900	€26k
Operating result	9901	€-68k
Financial income	75	€774
Financial charges	65	€40k
Result before taxes	9903	€-107k
Net result for the period	9904	€-107k
Result to be appropriated	9905	€-107k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

35 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

Pool-Care

Zeepakker 20, 2390 MalleHandelsbemiddeling in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden (bv ambulances)

since 20212.315.645.762

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area6,214 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11049A0313/00K000	Flanders	6,214 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

65 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 35

Profitability 100

Solvency 66

Growth 32

Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Overige niet-gespecialiseerde detailhandel47120Detailhandel in overige bouwmaterialen in gespecialiseerde winkels47529Detailhandel in overige bouwmaterialen, neg47529Detailhandel via postorderbedrijven of via internet47910

Primary activity highlighted.

Names & trade names

Legal nameNL

Pool-Care

Registered office

Zeepakker 20

2390 Malle, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.