Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PLUS+ is 0.1% (very low). The 2025 annual accounts show equity of €46k and a net result of €-26k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 43 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 8 annual accounts.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
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 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 23-07-2026 | 8 d early | 2026-00322928 |
| 31-12-2024 | 31-07-2025 | 28-07-2025 | 3 d early | 2025-00316923 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00414104 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00397590 |
| 31-12-2021 | 31-07-2022 | 09-08-2022 | 9 d late | 2022-20278496 |
| 31-12-2020 | 31-07-2021 | 13-07-2021 | 18 d early | 2021-34600464 |
| 31-12-2019 | 31-07-2020 | 23-07-2020 | 8 d early | 2020-33400377 |
| 31-12-2018 | 31-07-2019 | 27-08-2019 | 27 d late | 2019-51700182 |
| 31-12-2017 | 31-07-2018 | 02-08-2018 | 2 d late | 2018-42500553 |
| 31-12-2016 | 31-07-2017 | 26-06-2017 | 35 d early | 2017-21500274 |
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 signalsEstablished
Founded in 2015, 10 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 everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form
−Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€197k
EBIT margin0.7%
Net result€-26k
Working capital€87k+22.2%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 23-07-2026 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~22.5%/year over 8 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
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 2025 · NACE 88 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.0% | 40.8% | |
| Net result | €-26k | €20k | |
| Equity | €46k | €50k | |
| Gross operating margin | €119k | €174k | |
| Staff costs | €65k | €129k |
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).
P51
Weakening position over 2021-2025
· n=43-186
P5
Weakening position over 2021-2025
· n=43-186
P47
Weakening position over 2021-2025
· n=43-186
P35
Weakening position over 2021-2025
· n=43-185
Describes the position versus peers, not a forecast.
€197k
-
18-25
€-15k
-
18-25
€-26k
-
18-25
€-20k
-
18-25
€112k
-45.9%
18-25
€46k
-48.2%
18-25
€87k
+22.2%
18-25
2
-17.4%
18-25
€65k
-47.3%
18-25
€263
-95.8%
18-25
€66k
-44.2%
18-25
€25k
-73.6%
18-25
€0
-100.0%
18-25
4.54
+157.0%
18-25
4.54
+157.0%
18-25
41.0%
-4.3%
18-25
1.44
+7.8%
18-25
-57.6%
-
18-25
-23.7%
-
18-25
-11.2%
-
18-25
9.5%
-
18-25
-3.54
-
18-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-15k |
| Net profit | €-26k |
| Cash flow | €-20k |
| Staff costs | €65k |
| Income taxes | €263 |
| Dividends | - |
| Total assets | €112k |
| Equity | €46k |
| Debt | €66k |
| of which ≤ 1y | €25k |
| of which > 1y | €0 |
| Working capital | €87k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 4.54 |
| Quick ratio | 4.54 |
| Working capital ratio | 78.0% |
| Solvency | 41.0% |
| Debt / equity | 1.44 |
| Long-term debt ratio | 0.00 |
| Interest coverage | -3.54 |
| Gross margin | - |
| Net margin | - |
| ROA | -23.7% |
| ROE | -57.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €112k |
| Fixed assets | 21/28 | €0 |
| Intangible fixed assets | 21 | €0 |
| Tangible fixed assets | 22/27 | €0 |
| Current assets | 29/58 | €112k |
| Amounts receivable within one year | 40/41 | €11k |
| Cash & bank | 54/58 | €101k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €112k |
| Equity | 10/15 | €46k |
| Contributions / capital | 10/11 | €81k |
| Accumulated profits (losses) | 14 | €-35k |
| Amounts payable | 17/49 | €66k |
| Amounts payable after one year | 17 | €0 |
| Amounts payable within one year | 42/48 | €25k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €119k |
| Operating result | 9901 | €-22k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €-26k |
| Income taxes | 67/77 | €263 |
| Net result for the period | 9904 | €-26k |
| Result to be appropriated | 9905 | €-26k |
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 2025 · computed45
/ 100
Fair
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 2025. Indicative, not credit advice.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (22147171). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current01-06-2022 → present
-
Adfinas DelgoLegal entityDirector· perm. rep.: DE VOS LennertState Gazette act 22147171 (13-12-2022)Current15-12-2016 → present
2 events
- 01-06-2022 Appointed· Director
- 15-12-2016 Appointed· Director
-
Current15-12-2016 → present
2 events
- 01-06-2022 Appointed· Director
- 15-12-2016 Appointed· Director
-
Kantoor StevensLegal entityDirector· perm. rep.: STEVENS NathalieState Gazette act 22147171 (13-12-2022)Current15-12-2016 → present
2 events
- 01-06-2022 Appointed· Director
- 15-12-2016 Appointed· Director
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
A.A.M.Legal entityDirector· perm. rep.: LUTIN Chantal Betty FrancoisState Gazette act 16171783 (15-12-2016)Not recently confirmedlast confirmed in an act from 2016
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg(88999) |
| Legal form | Coöperatieve vennootschap met beperkte aansprakelijkheid(008) |
| Incorporation | 09-09-2015 |
| Status | Active |
| Postal code | 2840 |
Structure & network
Connections & network
5 connected companiesGroup structure
Sits on the board · 1 subsidiary · 1 location
Control→
Sits on the board · 1 subsidiary · 1 location
Control→
Sits on the board · 1 subsidiary · 1 location
Control→
Sits on the board · 2 subsidiaries · 2 locations
Control→
Network connections
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
4 partiesControl over this companysits on this company's board4
2 subsidiaries · 2 locations
1 subsidiary · 1 location · open bankruptcy
1 subsidiary · 1 location
1 subsidiary · 1 location
controls
PLUS+BE 0636.897.347
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Eikenstraat 902840 RumstParcels1
Ground area1,060 m²
Buildings1
Building footprint145 m²
Volume (LiDAR)1,137 m³
Tallest building22.4 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0232/00H002 | Flanders | 1,060 m² | 1 · 145 m² | 22.4 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 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
Belgisch Staatsblad · acts
5 acts Capital history · 1
15-12-2016
v3.2
All acts · 5
updated 2 months ago
2026
04-06-2026 Notarial deed · General meeting · Dissolution · Liquidation
- Publication: 2026-06-04 · Plus+
- Filing: 2026-05-26 · Plus+
- Notarial deed: 2026-04-30 · Plus+
- General meeting: 2026-04-30 · Plus+
- Dissolution: 2026-04-30 · Plus+
- Liquidation: 2026-04-30 · Plus+
- Dissolution balance sheet: 2026-01-31 · Plus+
- Officer discharge: fiscal_year_end: 2026-04-30, fiscal_year_start: 2026-01-01 · Plus+
- Officer appointment: 2025-01-01 · Plus+
- Officer appointment: 2025-01-01 · Plus+
- Officer appointment: 2025-01-01 · Plus+
- Officer appointment: 2025-01-01 · Plus+
- Officer appointment: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer removal: 2025-01-01 · Plus+
- Officer discharge · Plus+
- Officer resignation: 2026-04-30 · Plus+
- Act object: ONTBINDING EN SLUITING VEREFFENING
Summary:
Notarial deed · General meeting · Dissolution · LiquidationNotary:
Hubert Van de Steene
2022
13-12-2022 7 directors appointed
- DE BLOCK Marc, Bestuurder
- VAN HECKE Wim, Bestuurder
- VAN BAAL Jan, Bestuurder
- D'HOOGE Jan, Bestuurder
- STEVENS Nathalie, Bestuurder
- DE VOS Lennert, Bestuurder
- BERNAERS Lieven, Bestuurder
Summary:
v3.2
2018
30-08-2018 Change in the board of directors
Summary:
v3.2
2016
15-12-2016 Transaction in capital or shares
Summary:
v3.2
2015
11-09-2015 Incorporation of a new Comm.VA
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes56
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
45
Profitability
0
Solvency
85
Growth
52
Stability
100
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verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Andere vormen van maatschappelijke dienstverlening zonder huisvesting, n.e.g.88999Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg88999Overige maatschappelijke dienstverlening zonder huisvesting voor ouderen en lichamelijk gehandicapten88109Overige maatschappelijke dienstverlening zonder huisvesting voor ouderen of personen met een handicap88109
Primary activity highlighted.
Names & trade names
| Legal nameNL | PLUS+ |
Registered office
Eikenstraat 90
2840 Rumst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.