PL ACTIO
ActiveSummary
PL ACTIO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €16k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+96
Solvency68▲+22
Growth35=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.25 in 2024; short-term debt: 19% and cash: 10% of total assets), and 57% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
43%
Return on assets
22.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
21 d late
2023
22 d late
2022
29 d late
2021
12 d early
2020
31 d late
2019
87 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€7k▼ 83.5%
2019 · €40k
2018: €149khighest in 3 years
2019: €40k▼ -73.1% vs 2018
2020: €7k▼ -83.5% vs 2019lowest in 3 years
2018 → 2020
EBIT margin
-13.5%▼ 14.1pp
2019 · 0.7%
2018: 17.7%highest in 3 years
2019: 0.7%▼ -96.3% vs 2018
2020: -13.5%▼ -2148% vs 2019lowest in 3 years
2018 → 2020
Net result
€16k
2024 · €-11k
2018: €22khighest in 8 years
2019: €-3k▼ -111% vs 2018
2020: €4k▲ +276% vs 2019
2021: €-16k▼ -454% vs 2020lowest in 8 years
2022: €74▲ +100% vs 2021
2023: €262▲ +254% vs 2022
2024: €-11k▼ -4296% vs 2023
2025: €16k▲ +246% vs 2024
2018 → 2025
Working capital
€-3k▲ 80.7%
2024 · €-16k
2018: €-32klowest in 8 years
2019: €-5k▲ +84.7% vs 2018
2020: €-3k▲ +37.0% vs 2019
2021: €1k▲ +148% vs 2020highest in 8 years
2022: €-386▼ -126% vs 2021
2023: €-3k▼ -604% vs 2022
2024: €-16k▼ -503% vs 2023
2025: €-3k▲ +80.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€26k▲ 0.3%€26k▲ 1.0%€15k▼ 42.1%€31k▲ 106%
2021: €26k
2022: €26k▲ +0.3% vs 2021
2023: €26k▲ +1.0% vs 2022
2024: €15k▼ -42.1% vs 2023lowest in 5 years
2025: €31k▲ +106% vs 2024highest in 5 years
Operating result€-16k-€1k€1k▲ 3.2%€-7k€17k
2021: €-16klowest in 5 years
2022: €1k▲ +109% vs 2021
2023: €1k▲ +3.2% vs 2022
2024: €-7k▼ -544% vs 2023
2025: €17k▲ +357% vs 2024highest in 5 years
Net result€-16k-€74€262▲ 254%€-11k€16k
2021: €-16klowest in 5 years
2022: €74▲ +100% vs 2021
2023: €262▲ +254% vs 2022
2024: €-11k▼ -4296% vs 2023
2025: €16k▲ +246% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€62k ▼ 4.8%
Current assets
€11k ▲ 95.0%
Equity and liabilities €72k
Equity
€31k ▲ 106%
Debt
€41k ▼ 25.3%
Debt's share of the balance-sheet total falls from 78.5% to 57.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €-4k
Cash flow
€19k▲
2024 · €-8k
Current ratio
0.77▲
2024 · 0.25
Debt to equity
1.32▼
2024 · 3.65
ROE
51.5%▲
2024 · -72.8%
ROA
22.1%▲
2024 · -15.7%
Interest coverage
19.15▲
2024 · -3.13
Debt ≤ 1 year
€14k▼
2024 · €22k
Debt > 1 year
€28k▼
2024 · €33k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€70k€72k▲
Fixed assets21/28€65k€62k▼
Tangible fixed assets22/27€65k€62k▼
Land and buildings22€64k€62k▼
Plant, machinery and equipment23€775-
Furniture and vehicles24€102-
Current assets29/58€5k€11k▲
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€5k€3k▼
Other amounts receivable41€402-
Cash at bank and in hand54/58€136€7k▲
Equity and liabilities
Total equity and liabilities10/49€70k€72k▲
Equity10/15€15k€31k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-35k€-19k▲
Amounts payable17/49€55k€41k▼
Amounts payable after more than one year17€33k€28k▼
Financial debts170/4€33k€28k▼
Amounts payable within one year42/48€22k€14k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€5k€371▼
Suppliers440/4€5k€371▼
Taxes, remuneration and social security45€50€235▲
Taxes450/3€50€235▲
Other amounts payable47/48€11k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8-€2k
Gross operating margin9900€-4k€22k▲
Operating profit (loss)9901€-7k€17k▲
Financial charges65/66B€4k€1k▼
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€-11k€16k▲
Profit (loss) for the period9904€-11k€16k▲
Profit (loss) for the period to be appropriated9905€-11k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-19k▲
Profit (loss) brought forward from the previous period14P€-24k€-35k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €3k | €3k | €3k | = |
| Other operating charges640/8 | €2k | €977 | €889 | - | €2k | - |
| Gross operating margin9900 | €-10k | €6k | €5k | €-4k | €22k | ▲ 725% |
| Operating profit (loss)9901 | €-16k | €1k | €1k | €-7k | €17k | ▲ 357% |
| Financial income75/76B | €2k | - | - | - | - | - |
| Recurring financial income75 | €2k | - | - | - | - | - |
| Financial charges65/66B | €2k | €1k | €1k | €4k | €1k | ▼ 75.9% |
| Recurring financial charges65 | €2k | €1k | €1k | €1k | €1k | ▼ 7.1% |
| Non-recurring financial charges66B | - | - | - | €3k | - | - |
| Profit (loss) for the period before taxes9903 | €-16k | €74 | €262 | €-11k | €16k | ▲ 246% |
| Profit (loss) for the period9904 | €-16k | €74 | €262 | €-11k | €16k | ▲ 246% |
| Profit (loss) for the period to be appropriated9905 | €-16k | €74 | €262 | €-11k | €16k | ▲ 246% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121k | €79k | €72k | €70k | €72k | ▲ 2.9% |
| Fixed assets21/28 | €75k | €71k | €68k | €65k | €62k | ▼ 4.8% |
| Tangible fixed assets22/27 | €75k | €71k | €68k | €65k | €62k | ▼ 4.8% |
| Land and buildings22 | €71k | €68k | €66k | €64k | €62k | ▼ 3.5% |
| Plant, machinery and equipment23 | €3k | €2k | €2k | €775 | - | - |
| Furniture and vehicles24 | €864 | €305 | €203 | €102 | - | - |
| Current assets29/58 | €47k | €8k | €4k | €5k | €11k | ▲ 95.0% |
| Amounts receivable within one year40/41 | €47k | €7k | €4k | €5k | €3k | ▼ 36.6% |
| Trade receivables40 | €8k | €7k | €3k | €5k | €3k | ▼ 31.4% |
| Other amounts receivable41 | €38k | €0 | €721 | €402 | - | - |
| Cash at bank and in hand54/58 | €101 | €70 | €23 | €136 | €7k | ▲ 5,234% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121k | €79k | €72k | €70k | €72k | ▲ 2.9% |
| Equity10/15 | €26k | €26k | €26k | €15k | €31k | ▲ 106% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Outside capital11 | €50k | - | - | - | - | - |
| Other1109/19 | €50k | - | - | - | - | - |
| Profit (loss) carried forward14 | €-24k | €-24k | €-24k | €-35k | €-19k | ▲ 45.9% |
| Amounts payable17/49 | €95k | €53k | €46k | €55k | €41k | ▼ 25.3% |
| Amounts payable after more than one year17 | €50k | €45k | €39k | €33k | €28k | ▼ 17.6% |
| Financial debts170/4 | €50k | €45k | €39k | €33k | €28k | ▼ 17.6% |
| Amounts payable within one year42/48 | €45k | €8k | €7k | €22k | €14k | ▼ 37.0% |
| Current portion of amounts payable after more than one year42 | €5k | €6k | €6k | €6k | €6k | ▲ 2.1% |
| Trade debts44 | €0 | - | €534 | €5k | €371 | ▼ 92.4% |
| Suppliers440/4 | €0 | - | €534 | €5k | €371 | ▼ 92.4% |
| Taxes, remuneration and social security45 | €109 | €291 | €473 | €50 | €235 | ▲ 369% |
| Taxes450/3 | €109 | €291 | €473 | €50 | €235 | ▲ 369% |
| Other amounts payable47/48 | €40k | €2k | - | €11k | €7k | ▼ 34.9% |
| Accrued charges and deferred income492/3 | - | €45 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-16k | €74 | €262 | €-11k | €16k | ▲ 246% |
| + Depreciation and write-downs630 | €4k | €4k | €3k | €3k | €3k | = |
| Operating cash flow (approximation) | €-12k | €4k | €3k | €-8k | €19k | ▲ 342% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-31 | €-47 | €113 | €7k | ▲ 6,192% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €74
Net result €74 after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Charleroi · 1 establishment unit since 2016
Ground area
514 m²
Building footprint
183 m²
Volume, LiDAR
2,012 m³
2 parcels, Wallonia · tallest building 14.6 m, ±5 floors. Linked by address, not a title deed.
23
companies at this address
See who is registered here
1 establishment unit
Rue de Lisbonne 13, 1400 Nivelles
since 20162.253.403.040
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0385/00K004 | Wallonia | 423 m² | 1 · 94 m² | 10.7 m · 3 fl. |
| 52011B0239/00H164 | Wallonia | 91 m² | 1 · 89 m² | 14.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
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LOUKADI
BE 0881.596.871
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FIAL
BE 0739.665.085
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VERSTRAETE
BE 0461.082.273
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Of 2,404 companies in sector 47241 we hold annual accounts for 1,101. 903 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-02-2016
Fiscal year end31-12
Abbreviation FR
PL
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
56210Event catering
Scores and ratios are computed by Checked and are not a credit decision.