The aim of this study was to critically assess the usefulness of pollution indicators in monitoring riverside soils (fluvisols) for heavy metal content. A novel methodological approach was used, comparing areas located inside and outside flood embankments, which allowed for a precise determination of the impact of fluvial and anthropogenic processes on heavy metal accumulation. The experimental logic validated the usefulness of four indicators: the Individual Pollutant Index (PI), the Background Enrichment Factor (PIN), the Potential Ecological Risk (RI), and the Pollution Load Index (PLI). Comparative analysis revealed that soils within the embankment zone have higher metal concentrations, resulting from the continuous deposition of alluvial material, which often contains industrial and municipal pollutants. The vertical distribution of pollutants in fluvisols was shown to be closely related to sediment dynamics and soil properties (clay fraction, organic matter, redox conditions). Validation of the indicators revealed their varying sensitivity. The study revealed the limitations of the PLI, which, due to its summary nature, did not account for significant variability in contamination within the soil profile. Consequently, the PI, PIN, and RI indices were shown to be the most effective tools in assessing the actual degree of soil contamination by fluvisols in the middle Oder Valley. The study results emphasise the need for the selective selection of indicators in environmental monitoring. This comparative approach provides a reliable method for assessing the effectiveness of floodplain management strategies under exposure to chemical pressure.