IN-PLANO
ActiveIN-PLANO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €413k and a net result of €48k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-39
Solvency94▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.58 in 2024), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
55.9%
Return on assets
6.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
6 d early
2022
18 d early
2021
30 d late
2020
26 d late
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€413k▲ 13.2%
2024 · €365k
2018: €257k
2019: €245k
2020: €259k
2021: €255k
2022: €241k
2023: €294k
2024: €365k
2018 → 2025
Total assets
€740k▲ 4.6%
2024 · €708k
2018: €503k
2019: €577k
2020: €596k
2021: €581k
2022: €556k
2023: €614k
2024: €708k
2018 → 2025
Net result
€48k▼ 31.8%
2024 · €71k
2018: €4k
2019: €-12k
2020: €14k
2021: €-4k
2022: €-15k
2023: €54k
2024: €71k
2018 → 2025
Working capital
€221k▲ 49.2%
2024 · €148k
2018: €52k
2019: €-71k
2020: €-73k
2021: €-83k
2022: €-54k
2023: €28k
2024: €148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€255k-€241k▼ 5.8%€294k▲ 22.4%€365k▲ 24.0%€413k▲ 13.2%
Operating result€11k-€-7k€90k€129k▲ 43.9%€87k▼ 32.5%
Net result€-4k-€-15k▼ 283%€54k€71k▲ 31.3%€48k▼ 31.8%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €740k
Fixed assets
€260k▼ 14.5%
Current assets
€480k▲ 18.9%
Equity and liabilities €740k
Equity
€413k▲ 13.2%
Debt
€327k▼ 4.6%
The debt ratio falls from 48.4% to 44.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€157k▼
2024 · €199k
Cash flow
€118k▼
2024 · €141k
Solvency
55.9%▲
2024 · 51.6%
Current ratio
1.86▲
2024 · 1.58
Quick ratio
1.86▲
2024 · 1.58
Debt / equity
0.79▼
2024 · 0.94
ROE
11.7%▼
2024 · 19.4%
ROA
6.5%▼
2024 · 10.0%
Interest coverage
7.47▼
2024 · 8.27
Debt
€327k▼
2024 · €343k
Debt ≤ 1 year
€258k▲
2024 · €255k
Debt > 1 year
€68k▼
2024 · €88k
Income taxes
€24k▼
2024 · €35k
Staff costs
€20k▲
2024 · €19k
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€708k€740k▲
Fixed assets21/28€305k€260k▼
Tangible fixed assets22/27€304k€260k▼
Land and buildings22€98k€81k▼
Plant, machinery and equipment23€191k€168k▼
Furniture and vehicles24€15k€11k▼
Financial fixed assets28€400€400=
Current assets29/58€403k€480k▲
Amounts receivable within one year40/41€28k€35k▲
Trade receivables40€28k€31k▲
Other amounts receivable41€174€3k▲
Current investments50/53€197k€255k▲
Cash at bank and in hand54/58€156k€188k▲
Deferred charges and accrued income490/1€22k€2k▼
Equity and liabilities
Total equity and liabilities10/49€708k€740k▲
Equity10/15€365k€413k▲
Contributions10/11€19k€19k=
Reserves13€346k€395k▲
Distributable reserves133€346k€395k▲
Profit (loss) carried forward14€151€151=
Amounts payable17/49€343k€327k▼
Amounts payable after more than one year17€88k€68k▼
Financial debts170/4€88k€68k▼
Amounts payable within one year42/48€255k€258k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€1k€577▼
Suppliers440/4€1k€577▼
Taxes, remuneration and social security45€50k€41k▼
Taxes450/3€42k€32k▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€186k€198k▲
Income statement
Code20242025
Non-recurring operating income76A€14k€436▼
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€70k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A€59-
Gross operating margin9900€223k€182k▼
Operating profit (loss)9901€129k€87k▼
Financial income75/76B€661€6k▲
Recurring financial income75€661€6k▲
Financial charges65/66B€24k€21k▼
Recurring financial charges65€24k€21k▼
Non-recurring financial charges66B€36-
Profit (loss) for the period before taxes9903€106k€72k▼
Income taxes67/77€35k€24k▼
Profit (loss) for the period9904€71k€48k▼
Profit (loss) for the period to be appropriated9905€71k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€48k▼
Profit (loss) brought forward from the previous period14P€151€151=
Transfer to equity691/2€71k€48k▼
To other reserves6921€71k€48k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €71k ▲31.3%
Operating result €129k, net result €71k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €54k
Net result €54k after 2 loss-making years.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Mons · 1 establishment unit since 2004
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.
Boulevard Dolez 457000 MonsGround area
358 m²
Building footprint
78 m²
Volume, LiDAR
1,291 m³
Parcel 53405C0001/00E041, Wallonia · tallest building 17.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
IN-PLANO SPRL
since 20042.135.047.501
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53405C0001/00E041 | Wallonia | 358 m² | 1 · 78 m² | 17.9 m · 6 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400VOBQ2PAEDCK032
Similar companies · same sector, comparable size
RUSODA ARCH.
BE 0735.533.875
Gent · Eq €413k
robbrechtverwerft architecten
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Gent · Eq €413k
DE JONGH-BIERWERTS ARCHITECTEN
BE 0816.629.439
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Architectenbureau Marc Vanderauwera
BE 0827.380.009
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BUREAU D'ARCHITECTES AUDEX
BE 0877.056.677
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Of 18,213 companies in sector 71111 we hold annual accounts for 6,294. 4,257 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2003
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.