Planhera · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

Planhera is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €100. Its solvency ranks better than 95% of 4760 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 4760 peers (2025). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-01-2026, 189 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	23-01-2026	189 d early	2026-00012386

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2025, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This company is younger than 12 months. There is no public track record yet to base a reliable estimate on, so we'd rather not show a number.

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net resultNot included in this filing

Working capitalNot included in this filing

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 23-01-2026 with the NBB · fiscal year 2025 · micro

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	100.0%	55.4%	better than 95% of 4760 sector peers
Equity	€100	€64k	better than 7% of 4761 sector peers
Total assets	€100	€146k	better than 5% of 4761 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	-
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€100
Equity	€100
Debt	-
of which ≤ 1y	-
of which > 1y	-
Working capital	-
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	-
Quick ratio	-
Working capital ratio	-
Solvency	100.0%
Debt / equity	-
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-
ROE	-
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts (6 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€100
Current assets	29/58	€100
Investments	50/53	€100
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€100
Equity	10/15	€100
Contributions / capital	10/11	€100

Ratios computed by Checked.

Health barometer

FY 2025 · computed

No health score: the filing is too brief

The accounts filed for FY 2025 supply 1 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.

This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

8 companies at this address See who is registered here

Establishment units

1 location

Planhera

Waterloose Steenweg 373, 1050 ElseneActiviteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies

since 20262.383.438.171

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area243 m²

Buildings1

Building footprint243 m²

Volume (LiDAR)2,704 m³

Tallest building19.9 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)