Equity
Equity fell by 81% in 7 years.
Equity fell by 81% in 7 years.
Every financial year from 2019 to 2025 closed with a loss. 2023 was the heaviest.
Two of the last ten came late. The 2024 accounts came latest: 75 days after the end of the period.
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 76% of them on solvency, 28% on liquidity, 18% on profitability and 33% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Liquidity is insufficient, with a current ratio of 0.26 (0.26 in 2024), below 1. Short-term debt is 29.8% and cash 1.3% of total assets. 29.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| BE-Plan Technics Woluwe-Saint-Pierre | €19,338 | €802 | 70.2% | - |
| FREDAN Vilvoorde | €18,357 | -€979 | -785.0% | - |
| DAMBRAIN Tournai | €22,556 | -€9,333 | -176.6% | - |
| DIGIDYN Evere | €29,123 | -€304 | 99.2% | - |
| Etablissement Martin et Co Anderlecht | €13,091 | -€3,471 | 39.2% | - |
| A AU GRAND CONFORT Auderghem | €20,205 | -€17,117 | -79.7% | - |
| VERWARMING PIETERS Overijse | €16,983 | €1,210 | -5.8% | - |
These companies have the same main activity as BE-Plan Technics: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €13,100 and €29,100, founded between 1986 and 2003.
BE-Plan Technics files the micro format. That format states no turnover. The gross margin rose from -€1,272 in 2006 to €802 in 2025.
Be-Plan holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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