PLANN

Active

Private limited companyfounded 20206 yrs activeEngelbeekstraat 7, 3300 Tienen, BelgiumKBO/BCE: BE 0747.960.565

Summary

The computed 12-month bankruptcy probability of PLANN is 2.7% (moderate). The 2024 annual accounts show equity of €136k and a net result of €20k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 75% of 591 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

71 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability80▼-8

Solvency89▲+4

Growth52=

Track record100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity ample (current ratio 2.68 against 2.4 in 2023; short-term debt: 36.3% and cash: 82.3% of total assets), and 36.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 79

Relative position

BE, all sectors

reference

Sector 79

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

16 d early

2023

36 d early

2022

40 d early

2021

24 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€136k▲ 17.5%

2023 · €116k

2021: €56k 2022: €86k 2023: €116k

2021 → 2024

Total assets

€214k▲ 10.1%

2023 · €194k

2021: €89k 2022: €144k 2023: €194k

2021 → 2024

Net result

€20k▼ 31.9%

2023 · €30k

2021: €51k 2022: €30k 2023: €30k

2021 → 2024

Working capital

€130k▲ 18.8%

2023 · €109k

2021: €53k 2022: €84k 2023: €109k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€56k-€86k▲ 54.5%€116k▲ 34.6%€136k▲ 17.5%

Operating result€74k-€46k▼ 37.1%€46k▼ 0.4%€35k▼ 24.7%

Net result€51k-€30k▼ 40.1%€30k▼ 2.1%€20k▼ 31.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2024 is 25% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €214k

97.2%

Fixed assets €6k ▼ 5.2%

Current assets €208k ▲ 10.7%

Equity and liabilities €214k

63.7%

36.3%

Equity €136k ▲ 17.5%

Debt €78k ▼ 0.8%

Debt's share of the balance-sheet total falls from 40.3% to 36.3%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€36k▼

2023 · €48k

Cash flow

€22k▼

2023 · €31k

Current ratio

2.68▲

2023 · 2.40

Debt to equity

0.57▼

2023 · 0.67

ROE

14.9%▼

2023 · 25.7%

ROA

9.5%▼

2023 · 15.3%

Interest coverage

5.98▼

2023 · 11.41

Debt ≤ 1 year

€78k▼

2023 · €78k

Income taxes

€9k▼

2023 · €12k

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 · 2024 against 2023 · 40 lines

Balance sheet Code20232024

Assets

Total assets20/58€194k€214k▲

Fixed assets21/28€6k€6k▼

Tangible fixed assets22/27€6k€6k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€4k€4k▲

Current assets29/58€188k€208k▲

Amounts receivable within one year40/41€12k€27k▲

Trade receivables40€12k€25k▲

Other amounts receivable41-€2k

Current investments50/53-€5k

Cash at bank and in hand54/58€175k€176k▲

Equity and liabilities

Total equity and liabilities10/49€194k€214k▲

Equity10/15€116k€136k▲

Contributions10/11€5k€5k=

Reserves13€111k€131k▲

Distributable reserves133€111k€131k▲

Profit (loss) carried forward14€96€96=

Amounts payable17/49€78k€78k▼

Amounts payable within one year42/48€78k€78k▼

Trade debts44€381€3k▲

Suppliers440/4€381€3k▲

Taxes, remuneration and social security45€33k€22k▼

Taxes450/3€33k€22k▼

Other amounts payable47/48€44k€53k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼

Other operating charges640/8€384-

Gross operating margin9900€48k€36k▼

Operating profit (loss)9901€46k€35k▼

Financial income75/76B€0€190▲

Recurring financial income75€0€190▲

Financial charges65/66B€4k€6k▲

Recurring financial charges65€4k€6k▲

Profit (loss) for the period before taxes9903€42k€29k▼

Income taxes67/77€12k€9k▼

Profit (loss) for the period9904€30k€20k▼

Profit (loss) for the period to be appropriated9905€30k€20k▼

Appropriation of the result

Profit (loss) to be appropriated9906€30k€20k▼

Profit (loss) brought forward from the previous period14P€96€96=

Transfer to equity691/2€30k€20k▼

To other reserves6921€30k€20k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Timeline · acts, filings and financial milestones

All 7Financial 2Gazette 1Filings 4

2025

15-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €20k ▼31.9%

Net result drops to €20k, the lowest in the series.

25-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €100kEq €116k ▲34.6%

3 profitable years in a row build equity to €116k.

21-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

07-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

01-02

State Gazette act General meeting · Director reappointment

Permanent representative · Director appointment

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 act for this company is 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, Tienen · 1 establishment unit since 2020

seat establishment The establishment unit on the map

Ground area

1,580 m²

Building footprint

110 m²

Volume, LiDAR

566 m³

Parcel 24081A0055/00H000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PLANN

Engelbeekstraat 7, 3300 TienenHoldings

since 20202.303.454.149

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24081A0055/00H000	Flanders	1,580 m²	1 · 110 m²	6.1 m · 2 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.

Structure & network

Ownership & control

1 board mandate

Board mandates of this companythis company sits on their board1

Deparco

1 location

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 747 EUR awarded · 747 EUR paid

Year	Entries	awarded	paid
2025	1	747 EUR	747 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 747 EUR · 747 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

984500EA8A7C50BF9726

live in the LEI register

Similar companies · same sector, comparable size

Beveren-Kruibeke-Zwijndrecht · Eq €133k

Of 529 companies in sector 79120 we hold annual accounts for 203. 156 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

Founded08-06-2020

Fiscal year end31-12

Activities, NACEBEL 2025

79120Travel agency, tour operator and other reservation service and related activities

64210Activities of holding companies

68203Renting and operating of own or leased non-residential real estate, excluding land

70200Business and other management consultancy

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.