PLANCHEE
ActiveSummary
The computed 12-month bankruptcy probability of PLANCHEE is 2.2% (moderate). The 2025 annual accounts show negative equity (€-48k) and a net result of €-9k. Equity is shrinking by ~40.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 13305 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.24 in 2024; short-term debt: 487.8% and cash: 15.8% of total assets), and equity is negative.
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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-387.8%
Return on assets
-70.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-48k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
29 d late
2023
32 d early
2022
6 d early
2021
37 d early
2020
18 d late
2019
31 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, micro schema
Equity
€-48k▼ 22.3%
2024 · €-39k
2018: €37k
2019: €24k
2020: €18k
2021: €41k
2022: €8k
2023: €-14k
2024: €-39k
2018 → 2025
Total assets
€12k▼ 20.1%
2024 · €15k
2018: €43k
2019: €32k
2020: €21k
2021: €53k
2022: €20k
2023: €16k
2024: €15k
2018 → 2025
Net result
€-9k▲ 65.1%
2024 · €-25k
2018: €-18k
2019: €-13k
2020: €-6k
2021: €23k
2022: €-33k
2023: €-23k
2024: €-25k
2018 → 2025
Working capital
€-54k▼ 30.6%
2024 · €-41k
2018: €34k
2019: €22k
2020: €16k
2021: €39k
2022: €6k
2023: €-16k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€8k▼ 79.6%€-14k€-39k▼ 177%€-48k▼ 22.3%
Operating result€25k-€-29k€-19k▲ 33.8%€-22k▼ 11.5%€-4k▲ 80.5%
Net result€23k-€-33k€-23k▲ 31.4%€-25k▼ 10.8%€-9k▲ 65.1%
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 €4k in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€6k ▲ 180%
Current assets
€6k ▼ 52.8%
Key figures and ratios
Solvency
-387.8%▼
2024 · -253.5%
Current ratio
0.10▼
2024 · 0.24
Quick ratio
0.03▼
2024 · 0.10
Debt to equity
-1.26▲
2024 · -1.39
ROA
-70.7%▲
2024 · -161.9%
Debt
€60k▲
2024 · €54k
Debt ≤ 1 year
€60k▲
2024 · €54k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€12k▼
Fixed assets21/28€2k€6k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€0€0=
Land and buildings22€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Financial fixed assets28€2k€6k▲
Current assets29/58€13k€6k▼
Stocks and contracts in progress3€8k€4k▼
Stocks30/36€8k€4k▼
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1-€160
Equity and liabilities
Total equity and liabilities10/49€15k€12k▼
Equity10/15€-39k€-48k▼
Contributions10/11€7k€7k=
Reserves13€17k€17k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-64k€-73k▼
Amounts payable17/49€54k€60k▲
Amounts payable within one year42/48€54k€60k▲
Current portion of amounts payable after more than one year42-€6k
Financial debts43€33k€29k▼
Credit institutions430/8€33k€29k▼
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€7k€9k▲
Income statement
Code20242025
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-18k€-805▲
Operating profit (loss)9901€-22k€-4k▲
Financial income75/76B€6€58▲
Recurring financial income75€6€58▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-25k€-9k▲
Profit (loss) for the period9904€-25k€-9k▲
Profit (loss) for the period to be appropriated9905€-25k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-73k▼
Profit (loss) brought forward from the previous period14P€-39k€-64k▼
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-33k ▼242%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 7.72
Current ratio from 3.69 to 7.72; short-term debt falls from €8k to €2k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2025
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.
Wolstraat 462000 AntwerpenGround area
926 m²
Building footprint
1,065 m²
Volume, LiDAR
31,007 m³
2 parcels, Flanders · tallest building 37.8 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
Zeedijk 96, 8370 Blankenberge
since 20252.377.049.237
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31004A0741/00B027 | Flanders | 817 m² | 1 · 956 m² | 37.8 m · 11 fl. |
| 11002A1092/00B000 | Flanders | 109 m² | 1 · 109 m² | 16.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlankenberge2.377.049.237
Similar companies · same sector, comparable size
FLORYANDFAMILY
BE 0841.474.010
Charleroi · Eq €8,404
GABY
BE 0878.350.539
Anderlecht · Eq €8,406
MNG-EVENTS
BE 1020.188.095
Oudenaarde · Eq €8,401
CHEZ OPHÉLIE
BE 0752.663.778
Philippeville · Eq €8,396
VDVDS
BE 0797.833.215
Antwerpen · Eq €8,393
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,338 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
Founded21-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.