PLANIF · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PLANIF is 0.4% (very low). The 2024 annual accounts show equity of €13k and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 4951 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 81% of 4951 peers (2024). 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

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	26-08-2025	26 d late	2025-00404271
31-12-2023	31-07-2024	28-02-2025	212 d late	2025-00043854
31-12-2022	31-07-2023	24-08-2023	24 d late	2023-00372817
31-12-2021	31-07-2022	31-08-2022	31 d late	2022-20372588
31-12-2020	31-07-2021	23-08-2021	23 d late	2021-52100308
31-12-2019	31-07-2020	29-09-2020	60 d late	2020-57900568
31-12-2018	31-07-2019	19-08-2019	19 d late	2019-48500340
31-12-2017	31-07-2018	13-08-2018	13 d late	2018-45900434
31-12-2016	31-07-2017	23-08-2017	23 d late	2017-50800332
31-12-2015	31-07-2016	01-07-2016	30 d early	2016-27600437

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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

Established

Founded in 2007, 18 years in business.

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

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€20k-23.5%

EBIT margin14.0%-62.4pp

Net result€-12k

Working capital€12k-33.7%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~44% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	63.6%	16.7%	better than 81% of 4951 sector peers
Net result	€-12k	€2k	better than 25% of 4943 sector peers
Equity	€13k	€27k	better than 40% of 4954 sector peers
Gross operating margin	€-6k	€27k	better than 13% of 4937 sector peers
Total assets	€20k	€302k	better than 7% of 4953 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P81

Improving position over 2020-2024 · n=859-4951

Net result P25

Weakening position over 2020-2024 · n=858-4943

Equity P40

Improving position over 2020-2024 · n=859-4954

Gross operating margin P13

Weakening position over 2020-2024 · n=858-4937

Describes the position versus peers, not a forecast.

Revenue

€20k

-23.5% 18-24

EBITDA

€-6k

- 18-24

Net profit

€-12k

- 18-24

Cash flow

€-11k

- 18-24

Total assets

€20k

-44.1% 18-24

Equity

€13k

-47.5% 18-24

Working capital

€12k

-33.7% 18-24

Income taxes

€651

-75.3% 18-24

Debt

€7k

-36.9% 18-24

Debt ≤ 1y

€7k

-36.9% 18-24

Current ratio

2.69

+3.2% 18-24

Quick ratio

2.69

+3.2% 18-24

Solvency

63.6%

-6.1% 18-24

Debt / equity

0.57

+20.2% 18-24

ROE

-90.5%

- 18-24

ROA

-57.5%

- 18-24

Net margin

10.8%

-85.8% 18-24

EBITDA margin

20.0%

-73.9% 18-24

Interest coverage

-88.47

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€-6k
Net profit	€-12k
Cash flow	€-11k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€20k
Equity	€13k
Debt	€7k
of which ≤ 1y	€7k
of which > 1y	-
Working capital	€12k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.69
Quick ratio	2.69
Working capital ratio	61.4%
Solvency	63.6%
Debt / equity	0.57
Long-term debt ratio	-
Interest coverage	-88.47
Gross margin	-
Net margin	-
ROA	-57.5%
ROE	-90.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €429 · 2.1% Current assets €20k · 97.9%

Equity & liabilities

Equity €13k · 63.6% Debt €7k · 36.5%

Full annual accounts

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

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€20k
Fixed assets	21/28	€429
Tangible fixed assets	22/27	€429
Current assets	29/58	€20k
Amounts receivable within one year	40/41	€486
Cash & bank	54/58	€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€20k
Equity	10/15	€13k
Contributions / capital	10/11	€19k
Reserves	13	€4k
Accumulated profits (losses)	14	€-9k
Amounts payable	17/49	€7k
Amounts payable within one year	42/48	€7k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€-6k
Operating result	9901	€-6k
Financial income	75	€128
Financial charges	65	€71
Result before taxes	9903	€-12k
Net result for the period	9904	€-12k
Result to be appropriated	9905	€-12k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

52 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 du Koun,Nobressart 1566717 Attert

Establishment units

1 location

PLANIF

Avenue Jean-Baptiste-Nothomb 76, 6700 ArlonBemiddeling bij de aankoop, verkoop en verhuur van onroerend goed

since 20072.166.435.216

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

Parcels2

Ground area2,526 m²

Buildings2

Building footprint308 m²

Volume (LiDAR)873 m³

Tallest building14.7 m · ±4 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.

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
81016C0678/00D000	Wallonia	2,348 m²	1 · 236 m²	-
81001A1596/00A007	Wallonia	177 m²	1 · 72 m²	14.7 m · 4 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

67 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 52

Profitability 0

Solvency 99

Growth 85

Stability 100

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers

Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Similar

Similar companies

Comparable size, same sector

BUILD’IN

BE 0779.247.421 · Oudergem

Eq €13k→

EIBO GROUP

BE 0785.482.046 · Peer

Eq €13k→

TAYLOR SERVICES

BE 0754.668.611 · Tubize

Eq €13k→

V & V WONDERLAND

BE 0790.740.733 · Arlon

Eq €13k→

MIN ESTATE

BE 0755.568.632 · Boom

Eq €13k→

We hold annual accounts for 1,363 of the 11,733 companies in this sector. 983 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311

Primary activity highlighted.

Names & trade names

Legal nameFR

PLANIF

Registered office

Rue du Koun,Nobressart 156

6717 Attert, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.