ERC PLAFONNAGE
ActiveThe computed 12-month bankruptcy probability of ERC PLAFONNAGE is 4.6% (elevated). The 2024 annual accounts show negative equity (€-5k) and a net result of €-6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 36376 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability29▲+22
Solvency13▼-14
Growth47▼-14
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.7 against 0.85 in 2023; short-term debt: 81.7% and cash: 11.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-11.6%
Return on assets
-14.9%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
58 d late
2022
30 d late
2021
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€270k▲ 13.0%
2021 · €239k
2021: €239k
2021 → 2022
EBIT margin
3.5%▲ 3.6pp
2021 · 0.0%
2021: 0.0%
2021 → 2022
Net result
€-6k▼ 13.9%
2023 · €-5k
2021: €-2k
2022: €6k
2023: €-5k
2021 → 2024
Working capital
€-10k▼ 79.0%
2023 · €-5k
2021: €251
2022: €5k
2023: €-5k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€239k-€270k▲ 13.0%
Equity€671-€6k▲ 851%€1k▼ 79.9%€-5k
Operating result€-49-€10k€-3k€-4k▼ 37.7%
Net result€-2k-€6k€-5k€-6k▼ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2024 against €3k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39k
Fixed assets
€17k▼ 31.6%
Current assets
€22k▼ 24.0%
Key figures and ratios
EBITDA
€5k▲
2023 · €-335
Cash flow
€3k▲
2023 · €-3k
Solvency
-11.6%▼
2023 · 2.4%
Current ratio
0.70▼
2023 · 0.85
Quick ratio
0.65▼
2023 · 0.80
Debt / equity
-9.63▼
2023 · 40.83
ROA
-14.9%▼
2023 · -9.5%
Interest coverage
3.45▲
2023 · -0.22
Debt
€44k▼
2023 · €52k
Debt ≤ 1 year
€32k▼
2023 · €35k
Debt > 1 year
€12k▼
2023 · €18k
Income taxes
€465▼
2023 · €686
Staff costs
€87k▼
2023 · €112k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€54k€39k▼
Fixed assets21/28€24k€17k▼
Tangible fixed assets22/27€24k€17k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€23k€15k▼
Current assets29/58€29k€22k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€14k€14k▼
Trade receivables40€4k€9k▲
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58€12k€4k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€54k€39k▼
Equity10/15€1k€-5k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-1k€-7k▼
Amounts payable17/49€52k€44k▼
Amounts payable after more than one year17€18k€12k▼
Financial debts170/4€18k€12k▼
Amounts payable within one year42/48€35k€32k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€17k€18k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€5k€6k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€201k€180k▼
Remuneration, social security and pensions62€112k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€114k€94k▼
Operating profit (loss)9901€-3k€-4k▼
Financial income75/76B€1€54▲
Recurring financial income75€1€54▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-4k€-5k▼
Income taxes67/77€686€465▼
Profit (loss) for the period9904€-5k€-6k▼
Profit (loss) for the period to be appropriated9905€-5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-7k▼
Profit (loss) brought forward from the previous period14P€4k€-1k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Seraing · 1 establishment unit since 2021
Cannot 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.
Rue Mava 144100 SeraingGround area
229 m²
Building footprint
83 m²
Volume, LiDAR
608 m³
Parcel 62355B0258/00R000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ERC PLAFONNAGE
since 20212.316.630.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62355B0258/00R000 | Wallonia | 229 m² | 1 · 83 m² | 8.4 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 20,025 companies in sector 43320 we hold annual accounts for 9,136. 1,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2021
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43320Joinery installation
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0474/29.55.29