PLAFONNA 5
ActivePLAFONNA 5 has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €349k and a net result of €-38k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-12
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 7.37 against 7.03 in 2024; short-term debt: 11% and cash: 25.5% of total assets), and 11% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-38k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
52 d late
2023
7 d late
2022
31 d late
2021
57 d late
2020
1 d late
2019
70 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€67k▲ 13.3%
2024 · €59k
2021: €117k
2022: €166k
2023: €149k
2024: €59k
2021 → 2025
EBIT margin
-57.6%▼ 50.0pp
2024 · -7.5%
2021: -1.4%
2022: 16.1%
2023: 192.9%
2024: -7.5%
2021 → 2025
Net result
€-38k▼ 379%
2024 · €-8k
2018: €5k
2019: €24k
2020: €8k
2021: €797
2022: €18k
2023: €289k
2024: €-8k
2018 → 2025
Working capital
€276k▼ 14.6%
2024 · €323k
2018: €53k
2019: €76k
2020: €82k
2021: €89k
2022: €107k
2023: €378k
2024: €323k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€117k-€166k▲ 41.8%€149k▼ 10.6%€59k▼ 60.2%€67k▲ 13.3%
Equity€89k-€107k▲ 20.2%€396k▲ 270%€388k▼ 2.0%€349k▼ 9.9%
Operating result€-2k-€27k€287k▲ 970%€-4k€-39k▼ 767%
Net result€797-€18k▲ 2,162%€289k▲ 1,502%€-8k€-38k▼ 379%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €39k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €393k
Fixed assets
€74k▲ 13.5%
Current assets
€319k▼ 15.2%
Equity and liabilities €393k
Equity
€349k▼ 9.9%
Debt
€43k▼ 19.2%
The debt ratio falls from 12.1% to 11.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-31k▼
2024 · €-677
Cash flow
€-31k▼
2024 · €-4k
Solvency
89.0%▲
2024 · 87.9%
Current ratio
7.37▲
2024 · 7.03
Quick ratio
7.37▲
2024 · 7.03
Debt / equity
0.12▼
2024 · 0.14
ROE
-11.0%▼
2024 · -2.1%
ROA
-9.8%▼
2024 · -1.8%
Interest coverage
-133.13▼
2024 · -2.84
Debt
€43k▼
2024 · €54k
Debt ≤ 1 year
€43k▼
2024 · €54k
Staff costs
€14k▲
2024 · €3k
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€441k€393k▼
Fixed assets21/28€65k€74k▲
Tangible fixed assets22/27€65k€74k▲
Land and buildings22€41k€51k▲
Plant, machinery and equipment23€18k€17k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€47€47=
Current assets29/58€376k€319k▼
Amounts receivable within one year40/41€231k€219k▼
Trade receivables40€228k€213k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€145k€100k▼
Equity and liabilities
Total equity and liabilities10/49€441k€393k▼
Equity10/15€388k€349k▼
Contributions10/11€6k€6k=
Reserves13€295k€287k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€268k€261k▼
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€87k€56k▼
Amounts payable17/49€54k€43k▼
Amounts payable within one year42/48€54k€43k▼
Trade debts44€18k€11k▼
Suppliers440/4€14k€11k▼
Bills of exchange payable441€5k-
Taxes, remuneration and social security45€34k€31k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€24k€24k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Turnover70€59k€67k▲
Non-recurring operating income76A€3-
Goods, raw materials, services and sundry goods60/61€94k€94k▲
Remuneration, social security and pensions62€3k€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€6k€-16k▼
Operating profit (loss)9901€-4k€-39k▼
Financial income75/76B€0€568▲
Recurring financial income75€0€568▲
Financial charges65/66B€238€235▼
Recurring financial charges65€238€235▼
Profit (loss) for the period before taxes9903€-5k€-38k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€-8k€-38k▼
Transfer from tax-exempt reserves789€4k€7k▲
Profit (loss) for the period to be appropriated9905€-4k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€56k▼
Profit (loss) brought forward from the previous period14P€91k€87k▼
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series.
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Highest result since 2018net €289k ▲1502%
Operating result €287k, net result €289k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.72
Current ratio from 2.28 to 5.72; short-term debt falls from €84k to €80k.
31-12
Financial
Equity above €200kEq €396k ▲270%
6 profitable years in a row build equity to €396k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲20.2%
5 profitable years in a row build equity to €107k.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
25-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sambreville · 1 establishment unit since 1998
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 Hayettes(ARS) 125060 SambrevilleGround area
195 m²
Building footprint
71 m²
Volume, LiDAR
691 m³
Parcel 92005D0792/00C002, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Hayettes(ARS) 12, 5060 Sambreville
since 19982.086.871.856
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92005D0792/00C002 | Wallonia | 195 m² | 1 · 71 m² | 11.3 m · 3 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.
Similar companies · same sector, comparable size
C & E Bezettingswerken
BE 0717.741.503
Westerlo · Eq €350k
NOVA IDEA
BE 0719.323.690
Gent · Eq €348k
ALCASTUC
BE 0472.399.797
Assenede · Eq €351k
Gebroeders Simoens
BE 0415.293.919
Zulte · Eq €351k
Bezettingswerken Verhoeven
BE 0807.032.080
Mol · Eq €352k
Of 4,011 companies in sector 43310 we hold annual accounts for 1,746. 1,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-1998
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
45250
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.