PLUS+
The 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.
| Equity | €46k |
| Net result | €-26k |
| Better than sector | 51% |
| Active | 10 yrs |
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
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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).
| 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 |
| 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) | - |
| 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) | - |
| 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 |
-
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)
-
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
| 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 |
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.
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0232/00H002 | Flanders | 1,060 m² | 1 · 145 m² | 22.4 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
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
Technical details
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}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
Technical details
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},
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"evidence_quote": "- De Naamloze Vennootschap \u0022ABR VERZEKERINGSGROEP\u0022, met zetel te 2070 Zwijndrecht, Dorp West 1, ingeschreven in het register van rechtspersonen te Antwerpen, afdeling Antwerpen met ondernemingsnummer 0442.928.427, vast vertegenwoordigd door de heer BERNAERS Lieven, wonende te 2070 Zwijndrecht, Polde"
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"subject_company": {
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}30-08-2018 Change in the board of directors
Technical details
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}15-12-2016 Transaction in capital or shares
Technical details
{
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}11-09-2015 Incorporation of a new Comm.VA
Technical details
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"incorporation_date": "2015-08-31",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | PLUS+ |