Goe Plan
ActiveSummary
Goe Plan has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €19,215 and a net result of €16,215. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 51% of 351 sector peers (NACE 71, financial year 2026). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 07-01-2022 Normal situation
- Activity
- Activities of building architects NACE 71111and 3 others
- Establishment unit
- 2.327.313.080 3010 Leuven, since 07-01-2022
- Financial year end
- 31 January
- Peppol
- Reachable since 10-12-2025
Board and ownership
- Ruben Pieter LAUWERSDirector · since 07-01-2022
- Ruben Pieter LAUWERS100 sharesact of 11-01-2022
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €22,498
- ▲ 26.8%
- Turnover
- ≈ €140,000
- estimated
- Profit
- €16,215
- ▲ 48.2%
- Equity
- €19,215
- ▲ 541%
- Total assets
- €33,025
- ▼ 39.2%
- 2026 accounts filed 30 days after the deadline
Score breakdownlowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Liquidity: current ratio 2.17, cash €15,057Figures for financial year 2026 (filed on 05-10-2026)Equity €19,215 (58.2% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
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 71, micro). It does better than 56% of them on solvency, 69% on liquidity, 88% on profitability and 99% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 9 days after the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2026, micro format
2026 annual accounts filed 30 days after the deadline Filed on 30 September 2026, deadline 31 August 2026 (7 months after the close on 31 January 2026, Companies Code art. 3:10). Source: NBB, 2026-00546529.
Annual accounts 2026 filed on 30-09-2026 at the NBB all 5 filings
Every figure per financial year
The operating result for 2026 is 38% higher than in 2025. It is the second rise in a row, after the fall in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 31-01-2022 | 31-01-2023 | 31-01-2024 | 31-01-2025 | 31-01-2026 |
|---|---|---|---|---|---|
| Tangible fixed assets | €2,101 | €5,879 | €2,378 | €1,084 | €1,428 |
| Financial fixed assets | €690 | - | - | - | €0 |
| Depreciation and write-downs of the year | €134 | €2,787 | €2,558 | €3,172 | €2,455 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €134 | €2,787 | €2,558 | €3,172 | €2,455 | ▼ 22.6% |
| Other operating charges640/8 | - | €348 | €698 | €440 | €476 | ▲ 8.1% |
| Gross operating margin9900 | €718 | €26,383 | €17,328 | €17,741 | €22,498 | ▲ 26.8% |
| Operating profit (loss)9901 | €583 | €23,249 | €14,073 | €14,129 | €19,567 | ▲ 38.5% |
| Financial income75/76B | €1 | €0 | €0 | €522 | €1,482 | ▲ 184% |
| Recurring financial income75 | €1 | €0 | €0 | €522 | €1,482 | ▲ 184% |
| Financial charges65/66B | - | €96 | €69 | €135 | €156 | ▲ 15.7% |
| Recurring financial charges65 | - | €96 | €69 | €135 | €156 | ▲ 15.7% |
| Profit (loss) for the period before taxes9903 | €584 | €23,153 | €14,004 | €14,516 | €20,893 | ▲ 43.9% |
| Income taxes67/77 | €117 | €4,942 | €3,239 | €3,576 | €4,678 | ▲ 30.8% |
| Profit (loss) for the period9904 | €467 | €18,211 | €10,765 | €10,940 | €16,215 | ▲ 48.2% |
| Profit (loss) for the period to be appropriated9905 | €467 | €18,211 | €10,765 | €10,940 | €16,215 | ▲ 48.2% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €10,305 | €34,457 | €47,682 | €54,294 | €33,025 | ▼ 39.2% |
| Formation expenses20 | €1,222 | €0 | - | - | - | - |
| Fixed assets21/28 | €2,745 | €7,059 | €6,123 | €4,036 | €3,008 | ▼ 25.5% |
| Tangible fixed assets22/27 | €2,055 | €6,369 | €5,433 | €3,346 | €2,318 | ▼ 30.7% |
| Furniture and vehicles24 | €2,055 | €6,369 | €5,433 | €3,346 | €2,318 | ▼ 30.7% |
| Financial fixed assets28 | €690 | €690 | €690 | €690 | €690 | = |
| Current assets29/58 | €6,339 | €27,398 | €41,558 | €50,258 | €30,017 | ▼ 40.3% |
| Amounts receivable within one year40/41 | €4,982 | €4,938 | €5,856 | €39,729 | €14,752 | ▼ 62.9% |
| Trade receivables40 | €4,982 | €4,938 | €5,856 | €5,652 | €7,030 | ▲ 24.4% |
| Other amounts receivable41 | - | - | - | €34,077 | €7,722 | ▼ 77.3% |
| Cash at bank and in hand54/58 | €1,150 | €22,251 | €35,492 | €9,466 | €15,057 | ▲ 59.1% |
| Deferred charges and accrued income490/1 | €207 | €209 | €211 | €1,063 | €209 | ▼ 80.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €10,305 | €34,457 | €47,682 | €54,294 | €33,025 | ▼ 39.2% |
| Equity10/15 | €3,467 | €21,678 | €32,444 | €3,000 | €19,215 | ▲ 541% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €467 | €18,678 | €29,444 | €0 | €16,215 | - |
| Amounts payable17/49 | €6,837 | €12,778 | €15,238 | €51,294 | €13,810 | ▼ 73.1% |
| Amounts payable within one year42/48 | €6,837 | €12,778 | €14,944 | €51,294 | €13,810 | ▼ 73.1% |
| Trade debts44 | €3,521 | €2,486 | €1,092 | €3,194 | €2,338 | ▼ 26.8% |
| Suppliers440/4 | €3,521 | €2,486 | €1,092 | €3,194 | €2,338 | ▼ 26.8% |
| Taxes, remuneration and social security45 | €870 | €6,967 | €5,631 | €7,716 | €11,472 | ▲ 48.7% |
| Taxes450/3 | €870 | €6,967 | €5,631 | €7,716 | €11,472 | ▲ 48.7% |
| Other amounts payable47/48 | €2,447 | €3,326 | €8,221 | €40,384 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €293 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €467 | €18,211 | €10,765 | €10,940 | €16,215 | ▲ 48.2% |
| + Depreciation and write-downs630 | €134 | €2,787 | €2,558 | €3,172 | €2,455 | ▼ 22.6% |
| Operating cash flow (approximation) | €602 | €20,998 | €13,323 | €14,112 | €18,671 | ▲ 32.3% |
| Investment in fixed assets (approximation) | - | -€7,101 | -€1,623 | -€1,084 | -€1,428 | ▼ 31.7% |
| Change in cash | - | €21,102 | €13,240 | -€26,026 | €5,591 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as Goe Plan has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Goe Plan itself is lower: < 0.1% within 12 months. It rests on far more data about Goe Plan than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Goe Plan. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-01-2026 | micro format | 30-09-2026 | 2026-00546529 | |
| 31-01-2025 | micro format | 30-09-2025 | 2025-00522562 | |
| 31-01-2024 | micro format | 24-09-2024 | 2024-00471456 | |
| 31-01-2023 | micro format | 17-08-2023 | 2023-00335314 | |
| 31-01-2022 | micro format | 05-08-2022 | 2022-20276302 |
Board & ownership
Directors
Owners and capital
Shareholders
- Ruben Pieter LAUWERS 100 shares (100%) · €3,000 in cash
Capital transactions
- 11-01-2022 Incorporation · €3,000 · 100 shares
Articles of association
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Onderling overleg bij gebrek laatste balans laatste 2 of 3 balansen naargelang 1 2 of 3 en meer boekjaren”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Beslissing algemene vergadering in vormen vereist voor statutenwijziging, bevoegde raad Orde van Architecten onverwijld met vermelding…”
Articles of association, deed of 11-01-2022 (in Dutch)
Network & group
Goe Plan shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Goe Plan. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
11-01
Gazette deed
IncorporationFounding capital of €3,000, 100 shares · Founder: Ruben Pieter LAUWERS · Appointment: Ruben Pieter LAUWERS (director)5 points ▸
- Registered office clause, Heidebergstraat 84
- Board rule, 1
- Director appointment, Ruben Pieter LAUWERS (director (not named in the articles))
- Founder, Ruben Pieter LAUWERS
- Founding capital, €3,000, 100 shares
- The act holds 5 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24483E0113/00V002 | Flanders | 726 m² | 1 · 102 m² | 10.7 m · 3 |