Plan-BL
ActiveSummary
Plan-BL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357k and a net result of €7k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-21
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.57 against 6.15 in 2024; short-term debt: 7.1% and cash: 20.3% of total assets), and 19.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 2025Solvency, return and age of the figures
Solvency
80.2%
Return on assets
1.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
31 d early
2023
30 d early
2022
27 d early
2021
23 d early
2020
30 d early
2019
30 d early
← 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, abbreviated schema
Equity
€357k▲ 1.9%
2024 · €350k
2018: €274k
2019: €295k
2020: €309k
2021: €319k
2022: €278k
2023: €347k
2024: €350k
2018 → 2025
Total assets
€445k▼ 5.1%
2024 · €468k
2018: €324k
2019: €364k
2020: €383k
2021: €449k
2022: €380k
2023: €412k
2024: €468k
2018 → 2025
Net result
€7k▼ 92.2%
2024 · €86k
2018: €39k
2019: €21k
2020: €13k
2021: €10k
2022: €46k
2023: €68k
2024: €86k
2018 → 2025
Working capital
€303k▲ 5.4%
2024 · €288k
2018: €270k
2019: €266k
2020: €261k
2021: €256k
2022: €221k
2023: €292k
2024: €288k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€278k▼ 12.6%€347k▲ 24.5%€350k▲ 0.9%€357k▲ 1.9%
Operating result€11k-€67k▲ 499%€96k▲ 42.7%€89k▼ 6.5%€3k▼ 97.0%
Net result€10k-€46k▲ 370%€68k▲ 47.2%€86k▲ 26.4%€7k▼ 92.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€109k ▼ 12.1%
Current assets
€335k ▼ 2.5%
Equity and liabilities €445k
Equity
€357k ▲ 1.9%
Debt
€88k ▼ 25.7%
Debt's share of the balance-sheet total falls from 25.3% to 19.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €118k
Cash flow
€26k▼
2024 · €114k
Current ratio
10.57▲
2024 · 6.15
Debt to equity
0.25▼
2024 · 0.34
ROE
1.9%▼
2024 · 24.6%
ROA
1.5%▼
2024 · 18.4%
Interest coverage
7.76▼
2024 · 61.74
Debt ≤ 1 year
€32k▼
2024 · €56k
Debt > 1 year
€56k▼
2024 · €62k
Income taxes
€4k▼
2024 · €29k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€468k€445k▼
Fixed assets21/28€125k€109k▼
Tangible fixed assets22/27€125k€109k▼
Land and buildings22€88k€86k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€31k€19k▼
Current assets29/58€344k€335k▼
Amounts receivable within one year40/41€155k€69k▼
Trade receivables40€113k€44k▼
Other amounts receivable41€42k€25k▼
Current investments50/53€168k€176k▲
Cash at bank and in hand54/58€20k€90k▲
Deferred charges and accrued income490/1€42-
Equity and liabilities
Total equity and liabilities10/49€468k€445k▼
Equity10/15€350k€357k▲
Contributions10/11€19k€19k=
Reserves13€330k€337k▲
Tax-exempt reserves132€13k€13k=
Distributable reserves133€317k€324k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€118k€88k▼
Amounts payable after more than one year17€62k€56k▼
Financial debts170/4€62k€56k▼
Amounts payable within one year42/48€56k€32k▼
Current portion of amounts payable after more than one year42€17k€6k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€36k€18k▼
Taxes450/3€36k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€19k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€121k€25k▼
Operating profit (loss)9901€89k€3k▼
Financial income75/76B€28k€11k▼
Recurring financial income75€28k€11k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€115k€11k▼
Income taxes67/77€29k€4k▼
Profit (loss) for the period9904€86k€7k▼
Profit (loss) for the period to be appropriated9905€86k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€8k▼
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2€83k-
Transfer to equity691/2€86k€7k▼
To other reserves6921€86k€7k▼
Profit to be distributed694/7€83k-
Return on contributions (dividend)694€83k-
The notes to these accounts (14 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼92.2%
Net result drops to €7k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €86k ▲26.4%
Net result €86k, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
State Gazette act
Resignation: BIESMANS Filip Jo Paul (statutory manager)Appointment: BIESMANS Filip Jo Paul (statutory director) · Statutes amendment · Reserve release9 facts ▸
State Gazette act
Resignation: BIESMANS Filip Jo Paul (statutory manager)
Appointment: BIESMANS Filip Jo Paul (statutory director) · Statutes amendment · Reserve release9 facts ▸
- General meeting, 27-03-2023
- Statutes amendment
- Reserve release, Omzetting van gestort kapitaal (18.600) en wettelijke reserves (1.860) in statutair onbeschikbare eigen vermogensrekening, opgeheven en beschikbaar gemaakt voor…
- Director resignation, BIESMANS Filip Jo Paul (statutory manager)
- Director appointment, BIESMANS Filip Jo Paul (statutory director)
- Mandate compensation, BIESMANS Filip Jo Paul
- Purpose change, Toevoeging van activiteiten: Teelt van druiven; Ondersteunende activiteiten in verband met teelt van fruit, druiven en gewassen; Vervaardiging en commercialisat…
- Capital, €18.600
- Power of attorney, BIESMANS Filip Jo Paul
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
06-06
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Bekstraat 24 te 3500 Hasselt
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 2 acts read
Directors · office · real estate
Directors
1 director, no change since 2023
BIESMANS Filip Jo Paul
CurrentStatutory director · since 27-03-2023
27-03-2023
Resigned as Statutory manager
27-03-2023
Appointed as Statutory director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2007
Ground area
3,899 m²
Building footprint
504 m²
Volume, LiDAR
2,166 m³
Parcel 71052C0646/00G000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Plan-BL
since 20072.161.234.432
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052C0646/00G000 | Flanders | 3,899 m² | 1 · 504 m² | 7.4 m · 1 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.
Articles of association
Purpose
1. Onderneming in roerende en onroerende goederen... 2. Het verlenen aan de ondernemingen waaraan zij deelneemt en aan derden... 3. Het voeren van het dagelijks management van…
Full purpose
1. Onderneming in roerende en onroerende goederen... 2. Het verlenen aan de ondernemingen waaraan zij deelneemt en aan derden... 3. Het voeren van het dagelijks management van vennootschappen... 4. Het aanbieden van een service inzake dakbedekking... 5. De volgende activiteiten: Teelt van druiven; Ondersteunende activiteiten in verband met teelt van fruit, druiven en gewassen; Vervaardiging en commercialisatie van wijn uit druiven en fruit; Boomkwekerijen; Groothandel in fruit, druiven en wijnen; Aankoop en verkoop van alcoholische en niet-alcoholische drank.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
5 board mandatesBoard mandates of this companythis company sits on their board5
12 locations
3 locations
1 location
1 location
Capital and shareholders
Capital over the years
- 31-03-2023 Capital stated in the act · 18,600 EUR · 100 shares
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 5,340 EUR awarded · 5,340 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 5,340 EUR | 5,340 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHasselt2.161.234.432
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INCIPIAE
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MAVELKI
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RU READY
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,106 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
Founded20-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.