JB PLAFONNAGE
ActiveSummary
JB PLAFONNAGE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+19
Solvency46▲+18
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.4 in 2024; short-term debt: 38.8% and cash: 0.5% of total assets), but 79.5% 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
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 →
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
20.5%
Return on assets
17.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 21%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192022232425
2018 to 2025 · latest year €20k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 8 filingsDeviation from the deadline
2025
21 d late
2024
20 d late
2023
31 d late
2022
32 d late
2021
33 d late
2020
17 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€20k▲ 500%
2024 · €3k
2018: €-936
2019: €-35k
2020: €-12k
2022: €11k
2023: €1k
2024: €3k
2018 → 2025
Total assets
€98k▼ 18.2%
2024 · €120k
2018: €81k
2019: €76k
2020: €49k
2021: €1
2022: €49k
2023: €57k
2024: €120k
2018 → 2025
Net result
€17k▲ 644%
2024 · €2k
2019: €-1k
2020: €23k
2022: €11k
2023: €-10k
2024: €2k
2019 → 2025
Working capital
€37k▲ 29.3%
2024 · €29k
2018: €-18k
2019: €-44k
2020: €-14k
2022: €-757
2023: €-6k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k€1k▼ 89.9%€3k▲ 205%€20k▲ 500%
Operating result€13k€-9k€3k€23k▲ 575%
Net result€11k€-10k€2k€17k▲ 644%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 575% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€23k ▲ 20.4%
Current assets
€75k ▼ 25.6%
Equity and liabilities €98k
Equity
€20k ▲ 500%
Debt
€78k ▼ 33.1%
Debt's share of the balance-sheet total falls from 97.2% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €15k
Cash flow
€25k▲
2024 · €14k
Current ratio
1.97▲
2024 · 1.40
Debt to equity
3.87▼
2024 · 34.74
ROE
83.3%▲
2024 · 67.2%
ROA
17.1%▲
2024 · 1.9%
Interest coverage
17.89▼
2024 · 22.03
Debt ≤ 1 year
€38k▼
2024 · €72k
Debt > 1 year
€40k▼
2024 · €44k
Income taxes
€6k▲
2024 · €531
Staff costs
€5k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€120k€98k▼
Fixed assets21/28€19k€23k▲
Tangible fixed assets22/27€19k€23k▲
Plant, machinery and equipment23€11k€18k▲
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€250€250=
Current assets29/58€101k€75k▼
Amounts receivable within one year40/41€86k€75k▼
Trade receivables40€81k€51k▼
Other amounts receivable41€5k€23k▲
Cash at bank and in hand54/58€15k€457▼
Equity and liabilities
Total equity and liabilities10/49€120k€98k▼
Equity10/15€3k€20k▲
Contributions10/11€7k€7k=
Capital10€7k€7k=
Issued capital100€7k€7k=
Profit (loss) carried forward14€-3k€14k▲
Amounts payable17/49€117k€78k▼
Amounts payable after more than one year17€44k€40k▼
Financial debts170/4€44k€40k▼
Amounts payable within one year42/48€72k€38k▼
Current portion of amounts payable after more than one year42€6k€4k▼
Trade debts44€45k€26k▼
Suppliers440/4€45k€26k▼
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€1k€9k▲
Remuneration and social security454/9€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€27k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€43k€38k▼
Operating profit (loss)9901€3k€23k▲
Financial income75/76B-€848
Recurring financial income75-€848
Financial charges65/66B€679€2k▲
Recurring financial charges65€679€2k▲
Profit (loss) for the period before taxes9903€3k€22k▲
Income taxes67/77€531€6k▲
Profit (loss) for the period9904€2k€17k▲
Profit (loss) for the period to be appropriated9905€2k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€14k▲
Profit (loss) brought forward from the previous period14P€-5k€-3k▲
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
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-10k ▼193%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Momignies · 1 establishment unit since 2013
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 Pilarde (BWZ) 166594 MomigniesGround area
97 m²
Building footprint
97 m²
Parcel 56006A0585/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JB PLAFONNAGE
since 20132.222.967.608
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56006A0585/00F000 | Wallonia | 97 m² | 1 · 97 m² | - |
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.
Similar companies · same sector, comparable size
A.PLAFONNAGE
BE 0676.433.854
Seraing · Eq €20,150
VERVAEREN DOMINIQUE
BE 0441.914.281
Hechtel-Eksel · Eq €20,223
STUKA-PROJECT
BE 0672.642.243
Houthalen-Helchteren · Eq €20,087
GODFROID-GERLACHE
BE 0444.135.581
Namur · Eq €20,252
Pauwels-Maes LM
BE 1019.450.105
Wetteren · Eq €20,257
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
46130Agents in the wholesale of timber and building materials
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.