The Masterplan
ActiveThe Masterplan has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €56k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▼-7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.0 in 2024), and 47.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
52.7%
Return on assets
39.4%
Age of the figures
11 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
30 d early
2023
31 d early
2022
30 d early
2021
30 d early
2020
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k=
2024 · €75k
2020: €27k
2021: €58k
2022: €91k
2023: €75k
2024: €75k
2020 → 2025
Total assets
€142k▼ 3.1%
2024 · €147k
2020: €60k
2021: €92k
2022: €123k
2023: €147k
2024: €147k
2020 → 2025
Net result
€56k▼ 11.8%
2024 · €64k
2020: €26k
2021: €32k
2022: €33k
2023: €60k
2024: €64k
2020 → 2025
Working capital
€44k▼ 38.2%
2024 · €71k
2020: €10k
2021: €47k
2022: €82k
2023: €65k
2024: €71k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€91k▲ 56.7%€75k▼ 18.1%€75k=€75k=
Operating result€45k-€45k▲ 1.2%€76k▲ 68.3%€81k▲ 6.4%€72k▼ 11.7%
Net result€32k-€33k▲ 4.5%€60k▲ 80.3%€64k▲ 6.6%€56k▼ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€33k▲ 503%
Current assets
€109k▼ 22.7%
Equity and liabilities €142k
Equity
€75k=
Debt
€67k▼ 6.3%
The debt ratio falls from 48.9% to 47.3%: debt is paid down.
Key figures and ratios
EBITDA
€76k▼
2024 · €88k
Cash flow
€60k▼
2024 · €70k
Solvency
52.7%▲
2024 · 51.1%
Current ratio
1.67▼
2024 · 2.00
Quick ratio
1.67▼
2024 · 2.00
Debt / equity
0.90▼
2024 · 0.96
ROE
74.9%▼
2024 · 84.9%
ROA
39.4%▼
2024 · 43.3%
Interest coverage
960.76▼
2024 · 1370.43
Debt
€67k▼
2024 · €72k
Debt ≤ 1 year
€65k▼
2024 · €71k
Income taxes
€16k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€147k€142k▼
Fixed assets21/28€5k€33k▲
Tangible fixed assets22/27€5k€33k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€776€27k▲
Other tangible fixed assets26€5k€4k▼
Current assets29/58€141k€109k▼
Amounts receivable within one year40/41€31k€9k▼
Trade receivables40€28k€9k▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€109k€99k▼
Deferred charges and accrued income490/1€894€1k▲
Equity and liabilities
Total equity and liabilities10/49€147k€142k▼
Equity10/15€75k€75k=
Contributions10/11€1k€1k=
Reserves13€74k€74k=
Distributable reserves133€74k€74k=
Amounts payable17/49€72k€67k▼
Amounts payable within one year42/48€71k€65k▼
Trade debts44€221€74▼
Suppliers440/4€221€74▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€64k€56k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€89k€77k▼
Operating profit (loss)9901€81k€72k▼
Financial income75/76B€50-
Recurring financial income75€50-
Financial charges65/66B€64€79▲
Recurring financial charges65€64€79▲
Profit (loss) for the period before taxes9903€81k€72k▼
Income taxes67/77€18k€16k▼
Profit (loss) for the period9904€64k€56k▼
Profit (loss) for the period to be appropriated9905€64k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€56k▼
Profit to be distributed694/7€64k€56k▼
Return on contributions (dividend)694€64k€56k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2020net €64k ▲6.6%
Operating result €81k, net result €64k, both a record.
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB 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.
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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, Sint-Gillis-Waas · 1 establishment unit since 2019
Ground area
1,601 m²
Building footprint
117 m²
Volume, LiDAR
572 m³
Parcel 46022A0459/00F000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Plan A Consultancy
since 20192.294.497.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46022A0459/00F000 | Flanders | 1,601 m² | 1 · 117 m² | 6.6 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.
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Of 2,347 companies in sector 78100 we hold annual accounts for 1,355. 1,075 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end30-09
Activities, NACEBEL
78100Employment placement agencies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.