PLANON
ActiveSummary
PLANON has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €515k and a net result of €339k. Equity is shrinking by ~21.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 24% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-20
Solvency38▼-15
Growth39▼-14
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.26 in 2024; short-term debt: 61.2% and cash: 43.7% of total assets), but 86.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
13.2%
Return on assets
8.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4178 sector peers (2025).
NBB · sector comparisonPosition among 4178 sector peers
Solvency
better than 24%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
41 d early
2023
44 d early
2022
53 d early
2021
17 d late
2020
2 d early
2019
14 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€10.41M▲ 17.4%
2024 · €8.87M
2018: €7.30Mlowest value
2019: €8.14M▲ +11.6% vs 2018
2020: €9.10M▲ +11.8% vs 2019
2023: €9.52M
2024: €8.87M▼ -6.9% vs 2023
2025: €10.41M▲ +17.4% vs 2024highest value
2018 → 2025
EBIT margin
4.9%▼ 6.5pp
2024 · 11.4%
2018: 13.4%
2019: 13.0%▼ -2.9% vs 2018
2020: 19.2%▲ +47.2% vs 2019highest value
2023: 11.7%
2024: 11.4%▼ -2.1% vs 2023
2025: 4.9%▼ -57.1% vs 2024lowest value
2018 → 2025
Net result
€339k▼ 52.1%
2024 · €707k
2018: €544k
2019: €686k▲ +26.2% vs 2018
2020: €1.30M▲ +90.0% vs 2019highest in 8 years
2021: €1.05M▼ -19.7% vs 2020
2022: €915k▼ -12.7% vs 2021
2023: €781k▼ -14.7% vs 2022
2024: €707k▼ -9.4% vs 2023
2025: €339k▼ -52.1% vs 2024lowest in 8 years
2018 → 2025
Working capital
€1.29M▼ 20.8%
2024 · €1.63M
2018: €2.79M
2019: €3.39M▲ +21.5% vs 2018
2020: €3.73M▲ +10.2% vs 2019
2021: €4.75M▲ +27.3% vs 2020highest in 8 years
2022: €2.07M▼ -56.5% vs 2021
2023: €2.11M▲ +2.2% vs 2022
2024: €1.63M▼ -22.6% vs 2023
2025: €1.29M▼ -20.8% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€9.52M€8.87M▼ 6.9%€10.41M▲ 17.4%
2023: €9.52M
2024: €8.87M▼ -6.9% vs 2023lowest in 3 years
2025: €10.41M▲ +17.4% vs 2024highest in 3 years
Equity€3.95M-€1.37M▼ 65.4%€1.40M▲ 2.2%€907k▼ 35.2%€515k▼ 43.1%
2021: €3.95Mhighest in 5 years
2022: €1.37M▼ -65.4% vs 2021
2023: €1.40M▲ +2.2% vs 2022
2024: €907k▼ -35.2% vs 2023
2025: €515k▼ -43.1% vs 2024lowest in 5 years
Operating result€1.46M-€1.31M▼ 10.1%€1.11M▼ 15.4%€1.01M▼ 8.9%€511k▼ 49.6%
2021: €1.46Mhighest in 5 years
2022: €1.31M▼ -10.1% vs 2021
2023: €1.11M▼ -15.4% vs 2022
2024: €1.01M▼ -8.9% vs 2023
2025: €511k▼ -49.6% vs 2024lowest in 5 years
Net result€1.05M-€915k▼ 12.7%€781k▼ 14.7%€707k▼ 9.4%€339k▼ 52.1%
2021: €1.05Mhighest in 5 years
2022: €915k▼ -12.7% vs 2021
2023: €781k▼ -14.7% vs 2022
2024: €707k▼ -9.4% vs 2023
2025: €339k▼ -52.1% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.90M
Fixed assets
€220k ▼ 19.3%
Current assets
€3.68M ▲ 25.8%
Equity and liabilities €3.90M
Equity
€515k ▼ 43.1%
Debt
€3.39M ▲ 47.7%
Debt's share of the balance-sheet total rises from 71.7% to 86.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€519k▼
2024 · €1.03M
Cash flow
€347k▼
2024 · €722k
Current ratio
1.54▼
2024 · 2.26
Debt to equity
6.57▲
2024 · 2.53
ROE
65.7%▼
2024 · 78.0%
ROA
8.7%▼
2024 · 22.1%
Interest coverage
105.87▼
2024 · 164.95
Debt ≤ 1 year
€2.39M▲
2024 · €1.29M
Income taxes
€167k▼
2024 · €300k
Staff costs
€3.81M▲
2024 · €3.31M
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.20M€3.90M▲
Fixed assets21/28€272k€220k▼
Tangible fixed assets22/27€22k€14k▼
Furniture and vehicles24€22k€14k▼
Financial fixed assets28€250k€205k▼
Current assets29/58€2.93M€3.68M▲
Amounts receivable within one year40/41€2.37M€1.87M▼
Trade receivables40€2.26M€1.56M▼
Other amounts receivable41€109k€313k▲
Cash at bank and in hand54/58€469k€1.71M▲
Deferred charges and accrued income490/1€89k€105k▲
Equity and liabilities
Total equity and liabilities10/49€3.20M€3.90M▲
Equity10/15€907k€515k▼
Contributions10/11€162k€162k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Outside capital11€88k€88k=
Share premium1100/10€88k€88k=
Reserves13€37k€37k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€707k€316k▼
Amounts payable17/49€2.29M€3.39M▲
Amounts payable within one year42/48€1.29M€2.39M▲
Trade debts44€375k€1.36M▲
Suppliers440/4€375k€1.36M▲
Taxes, remuneration and social security45€918k€1.03M▲
Taxes450/3€252k€297k▲
Remuneration and social security454/9€666k€737k▲
Accrued charges and deferred income492/3€1.00M€998k▼
Income statement
Code20242025
Turnover70€8.87M€10.41M▲
Goods, raw materials, services and sundry goods60/61€4.73M€6.40M▲
Remuneration, social security and pensions62€3.31M€3.81M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€24k€-9k▼
Other operating charges640/8€13k€27k▲
Gross operating margin9900€4.38M€4.35M▼
Operating profit (loss)9901€1.01M€511k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€1.01M€506k▼
Income taxes67/77€300k€167k▼
Profit (loss) for the period9904€707k€339k▼
Profit (loss) for the period to be appropriated9905€707k€339k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.91M€1.05M▼
Profit (loss) brought forward from the previous period14P€1.21M€707k▼
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€1.20M€730k▼
Return on contributions (dividend)694€1.20M€730k▼
Social balance
Average headcount (FTE)908729.431.8▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €9.52M | €8.87M | €10.41M | ▲ 17.4% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €5.33M | €4.73M | €6.40M | ▲ 35.2% |
| Remuneration, social security and pensions62 | €3.64M | €3.38M | €3.22M | €3.31M | €3.81M | ▲ 15.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €16k | €21k | €15k | €8k | ▼ 46.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €-16k | €200k | - | €24k | €-9k | ▼ 138% |
| Other operating charges640/8 | €49k | €42k | €22k | €13k | €27k | ▲ 107% |
| Gross operating margin9900 | €5.16M | €4.95M | €4.37M | €4.38M | €4.35M | ▼ 0.7% |
| Operating profit (loss)9901 | €1.46M | €1.31M | €1.11M | €1.01M | €511k | ▼ 49.6% |
| Financial income75/76B | €32k | €24k | - | - | - | - |
| Recurring financial income75 | €32k | €24k | - | - | - | - |
| Financial charges65/66B | €4k | €3k | €3k | €6k | €5k | ▼ 21.4% |
| Recurring financial charges65 | €4k | €3k | €3k | €6k | €5k | ▼ 21.4% |
| Profit (loss) for the period before taxes9903 | €1.49M | €1.33M | €1.11M | €1.01M | €506k | ▼ 49.8% |
| Income taxes67/77 | €442k | €420k | €329k | €300k | €167k | ▼ 44.3% |
| Profit (loss) for the period9904 | €1.05M | €915k | €781k | €707k | €339k | ▼ 52.1% |
| Profit (loss) for the period to be appropriated9905 | €1.05M | €915k | €781k | €707k | €339k | ▼ 52.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.46M | €3.52M | €4.06M | €3.20M | €3.90M | ▲ 22.0% |
| Fixed assets21/28 | €89k | €127k | €199k | €272k | €220k | ▼ 19.3% |
| Tangible fixed assets22/27 | €29k | €51k | €37k | €22k | €14k | ▼ 36.1% |
| Furniture and vehicles24 | €29k | €51k | €37k | €22k | €14k | ▼ 36.1% |
| Financial fixed assets28 | €59k | €77k | €161k | €250k | €205k | ▼ 17.8% |
| Current assets29/58 | €6.37M | €3.39M | €3.86M | €2.93M | €3.68M | ▲ 25.8% |
| Amounts receivable within one year40/41 | €3.87M | €2.60M | €3.11M | €2.37M | €1.87M | ▼ 20.9% |
| Trade receivables40 | €3.87M | €2.60M | €3.05M | €2.26M | €1.56M | ▼ 31.0% |
| Other amounts receivable41 | - | - | €59k | €109k | €313k | ▲ 187% |
| Cash at bank and in hand54/58 | €2.44M | €713k | €696k | €469k | €1.71M | ▲ 264% |
| Deferred charges and accrued income490/1 | €69k | €77k | €56k | €89k | €105k | ▲ 18.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.46M | €3.52M | €4.06M | €3.20M | €3.90M | ▲ 22.0% |
| Equity10/15 | €3.95M | €1.37M | €1.40M | €907k | €515k | ▼ 43.1% |
| Contributions10/11 | €162k | €162k | €162k | €162k | €162k | = |
| Capital10 | €74k | €74k | €74k | €74k | €74k | = |
| Issued capital100 | €74k | €74k | €74k | €74k | €74k | = |
| Outside capital11 | €88k | €88k | €88k | €88k | €88k | = |
| Share premium1100/10 | €88k | €88k | €88k | €88k | €88k | = |
| Reserves13 | €31k | €31k | €31k | €37k | €37k | = |
| Non-distributable reserves130/1 | €7k | €7k | €7k | €7k | €7k | = |
| Legal reserve130 | €7k | €7k | €7k | €7k | €7k | = |
| Distributable reserves133 | €23k | €23k | €23k | €30k | €30k | = |
| Profit (loss) carried forward14 | €3.76M | €1.18M | €1.21M | €707k | €316k | ▼ 55.3% |
| Amounts payable17/49 | €2.51M | €2.15M | €2.66M | €2.29M | €3.39M | ▲ 47.7% |
| Amounts payable within one year42/48 | €1.62M | €1.32M | €1.75M | €1.29M | €2.39M | ▲ 84.8% |
| Financial debts43 | - | - | €165k | - | - | - |
| Other loans439 | - | - | €165k | - | - | - |
| Trade debts44 | €492k | €741k | €808k | €375k | €1.36M | ▲ 262% |
| Suppliers440/4 | €492k | €741k | €808k | €375k | €1.36M | ▲ 262% |
| Taxes, remuneration and social security45 | €1.13M | €581k | €774k | €918k | €1.03M | ▲ 12.6% |
| Taxes450/3 | €424k | €42k | €262k | €252k | €297k | ▲ 17.9% |
| Remuneration and social security454/9 | €704k | €538k | €513k | €666k | €737k | ▲ 10.6% |
| Accrued charges and deferred income492/3 | €888k | €826k | €912k | €1.00M | €998k | ▼ 0.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.05M | €915k | €781k | €707k | €339k | ▼ 52.1% |
| + Depreciation and write-downs630 | €21k | €16k | €21k | €15k | €8k | ▼ 46.1% |
| Operating cash flow (approximation) | €1.07M | €931k | €802k | €722k | €347k | ▼ 52.0% |
| Investment in fixed assets (approximation) | - | €-55k | €-92k | €-89k | €45k | ▲ 150% |
| Change in cash | - | €-1.72M | €-16k | €-227k | €1.24M | ▲ 643% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €339k ▼52.1%
Net result drops to €339k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €1.30M ▲90%
Operating result €1.74M, net result €1.30M, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
13 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, Mechelen · 1 establishment unit since 1992
Ground area
3,774 m²
Building footprint
1,005 m²
Volume, LiDAR
16,687 m³
Parcel 12402A0204/00R000, Flanders · tallest building 24.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Schaliënhoevedreef 20, 2800 Mechelen
since 19922.059.240.021
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402A0204/00R000 | Flanders | 3,774 m² | 1 · 1,004 m² | 24.9 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 339 EUR awarded · 339 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 339 EUR | 339 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,225 companies in sector 47400 we hold annual accounts for 1,807. 1,100 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-10-1992
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
62100Computer programming
46500Wholesale of information and communication equipment
Contact
E-mail
info@planon.beMechelen
Phone
015/44.00.88Mechelen
Fax
015/44.00.99Mechelen
Scores and ratios are computed by Checked and are not a credit decision.