PLAFONNAGE SEBASTIEN
ActiveSummary
PLAFONNAGE SEBASTIEN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
66
/ 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
Profitability100=
Solvency41▲+41
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 · 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
15.6%
Return on assets
31.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 8 filingsDeviation from the deadline
2025
3 d late
2024
122 d late
2023
51 d early
2022
49 d early
2021
48 d early
2020
31 d late
2019
35 d late
← 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
€7k
2024 · €-7k
2018: €10k
2019: €-742
2020: €2k
2021: €-14k
2022: €-11k
2023: €-15k
2024: €-7k
2018 → 2025
Total assets
€43k▲ 451%
2024 · €8k
2018: €44k
2019: €30k
2020: €17k
2021: €69k
2022: €61k
2023: €34k
2024: €8k
2018 → 2025
Net result
€14k▲ 81.3%
2024 · €8k
2018: €-2k
2019: €-11k
2020: €2k
2021: €-16k
2022: €3k
2023: €-4k
2024: €8k
2018 → 2025
Working capital
€-3k▲ 65.8%
2024 · €-10k
2018: €-25k
2019: €-28k
2020: €-11k
2021: €-56k
2022: €-40k
2023: €-39k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-14k-€-11k▲ 21.1%€-15k▼ 31.9%€-7k▲ 51.9%€7k
Operating result€-16k-€4k€-3k€8k€15k▲ 86.4%
Net result€-16k-€3k€-4k€8k€14k▲ 81.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 86% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€28k ▲ 966%
Current assets
€15k ▲ 190%
Equity and liabilities €43k
Equity
€7k
Debt
€37k
Debt finances 84.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€20k▲
2024 · €13k
Cash flow
€19k▲
2024 · €13k
Current ratio
0.82▲
2024 · 0.35
Debt to equity
5.42▲
2024 · -2.12
ROE
204.3%
ROA
31.8%▼
2024 · 96.6%
Interest coverage
17.75▼
2024 · 31.97
Debt ≤ 1 year
€19k▲
2024 · €15k
Debt > 1 year
€18k
Staff costs
€7k▼
2024 · €37k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8k€43k▲
Fixed assets21/28€3k€28k▲
Tangible fixed assets22/27€3k€28k▲
Plant, machinery and equipment23€1k€585▼
Furniture and vehicles24€1k€28k▲
Current assets29/58€5k€15k▲
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€5k€7k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€727€4k▲
Equity and liabilities
Total equity and liabilities10/49€8k€43k▲
Equity10/15€-7k€7k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-19k€-6k▲
Amounts payable17/49€15k€37k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€15k€19k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€731€0▼
Taxes450/3€731€0▼
Other amounts payable47/48€4k€232▼
Accrued charges and deferred income492/3-€15
Income statement
Code20242025
Non-recurring operating income76A€16k€0▼
Remuneration, social security and pensions62€37k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€298€19k▲
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€56k€46k▼
Operating profit (loss)9901€8k€15k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€404€1k▲
Recurring financial charges65€404€1k▲
Profit (loss) for the period before taxes9903€8k€14k▲
Profit (loss) for the period9904€8k€14k▲
Profit (loss) for the period to be appropriated9905€8k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-6k▲
Profit (loss) brought forward from the previous period14P€-27k€-19k▲
The notes to these accounts (13 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2018net €14k ▲81.3%
Operating result €15k, net result €14k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 122 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-16k ▼737%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merbes-le-Château · 1 establishment unit since 2017
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 Hornet(F-V) 106567 Merbes-le-ChâteauGround area
3,790 m²
Building footprint
206 m²
Volume, LiDAR
1,137 m³
Parcel 56009A0169/00A000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PLAFONNAGE SEBASTIEN
since 20172.272.922.509
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56009A0169/00A000 | Wallonia | 3,790 m² | 1 · 206 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 3,311 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
Founded28-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43350Other building finishing work
77320Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.