Summary
PL FIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €59,269 and a net result of €7,442. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 2463 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
24 d late
2021
22 d late
2020
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 19 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€59,269▼ 35.5%
2024 · €91,827
Net result
€7,442▼ 64.5%
2024 · €20,939
Total assets
€154,914▲ 12.4%
2024 · €137,883
Solvency
38.3%▼ 28.3pp
2024 · 66.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,512▲ 64.5%€56,348▲ 436%€25,028▼ 55.6%€32,277▲ 29.0%€14,728▼ 54.4%
Net result€4,294within the sector's middle half▲ 14.4%€38,665within the sector's middle half▲ 801%€14,176within the sector's middle half▼ 63.3%€20,939within the sector's middle half▲ 47.7%€7,442within the sector's middle half▼ 64.5%
Equity€18,046below the sector's middle half▲ 31.2%€56,711within the sector's middle half▲ 214%€70,888within the sector's middle half▲ 25.0%€91,827within the sector's middle half▲ 29.5%€59,269within the sector's middle half▼ 35.5%
Total assets€77,267below the sector's middle half▲ 11.6%€100,128below the sector's middle half▲ 29.6%€118,688below the sector's middle half▲ 18.5%€137,883within the sector's middle half▲ 16.2%€154,914within the sector's middle half▲ 12.4%
Debt€59,222▲ 6.7%€43,417▼ 26.7%€47,801▲ 10.1%€46,056▼ 3.7%€95,645▲ 108%
Working capital€9,476within the sector's middle half€20,751within the sector's middle half▲ 119%€19,446within the sector's middle half▼ 6.3%€42,297within the sector's middle half▲ 118%€7,995within the sector's middle half▼ 81.1%
Solvency23.4%within the sector's middle half▲ 3.5pp56.6%within the sector's middle half▲ 33.3pp59.7%within the sector's middle half▲ 3.1pp66.6%within the sector's middle half▲ 6.9pp38.3%within the sector's middle half▼ 28.3pp
Current ratio1.32within the sector's middle half▲ 0.661.48within the sector's middle half▲ 0.151.41within the sector's middle half▼ 0.071.92within the sector's middle half▲ 0.511.08within the sector's middle half▼ 0.83
Return on assets (ROA)5.6%within the sector's middle half▲ 0.1pp38.6%above the sector's middle half▲ 33.1pp11.9%within the sector's middle half▼ 26.7pp15.2%within the sector's middle half▲ 3.2pp4.8%within the sector's middle half▼ 10.4pp
Staff (FTE)2
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154,914
Fixed assets
€51,273 ▲ 3.5%
Current assets
€103,640 ▲ 17.3%
Equity and liabilities €154,914
Equity
€59,269 ▼ 35.5%
Debt
€95,645 ▲ 108%
Debt's share of the balance-sheet total rises from 33.4% to 61.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
12.6%▼
2024 · 22.8%
Debt ≤ 1 year
€95,645▲
2024 · €46,056
Income taxes
€6,990▼
2024 · €10,743
Staff costs
€118,494▲
2024 · €48,679
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €31,696 | €41,780 | €47,478 | €48,679 | €118,494 | ▲ 143% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,911 | €7,818 | €10,666 | €10,641 | €12,221 | ▲ 14.8% |
| Other operating charges640/8 | €249 | €324 | €297 | €487 | €5,257 | ▲ 980% |
| Gross operating margin9900 | €48,368 | €106,270 | €83,469 | €92,084 | €150,699 | ▲ 63.7% |
| Operating profit (loss)9901 | €10,512 | €56,348 | €25,028 | €32,277 | €14,728 | ▼ 54.4% |
| Financial income75/76B | €11 | €5 | €7 | €0 | - | - |
| Recurring financial income75 | €11 | €5 | €7 | €0 | - | - |
| Financial charges65/66B | €869 | €368 | €214 | €595 | €295 | ▼ 50.4% |
| Recurring financial charges65 | €869 | €368 | €214 | €595 | €295 | ▼ 50.4% |
| Profit (loss) for the period before taxes9903 | €9,654 | €55,985 | €24,821 | €31,682 | €14,433 | ▼ 54.4% |
| Income taxes67/77 | €5,360 | €17,320 | €10,645 | €10,743 | €6,990 | ▼ 34.9% |
| Profit (loss) for the period9904 | €4,294 | €38,665 | €14,176 | €20,939 | €7,442 | ▼ 64.5% |
| Profit (loss) for the period to be appropriated9905 | €4,294 | €38,665 | €14,176 | €20,939 | €7,442 | ▼ 64.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €77,267 | €100,128 | €118,688 | €137,883 | €154,914 | ▲ 12.4% |
| Fixed assets21/28 | €38,570 | €35,960 | €51,441 | €49,530 | €51,273 | ▲ 3.5% |
| Tangible fixed assets22/27 | €38,570 | €35,960 | €51,441 | €49,530 | €51,273 | ▲ 3.5% |
| Plant, machinery and equipment23 | €30,178 | €26,767 | €34,446 | €45,064 | €42,393 | ▼ 5.9% |
| Furniture and vehicles24 | €8,391 | €9,192 | €16,995 | €4,466 | €8,880 | ▲ 98.9% |
| Current assets29/58 | €38,698 | €64,168 | €67,247 | €88,353 | €103,640 | ▲ 17.3% |
| Amounts receivable within one year40/41 | €422 | €14,544 | €26,288 | €16,988 | €60,225 | ▲ 255% |
| Trade receivables40 | - | - | €12,000 | - | - | - |
| Other amounts receivable41 | €422 | €14,544 | €14,288 | €16,988 | €60,225 | ▲ 255% |
| Cash at bank and in hand54/58 | €11,674 | €28,009 | €24,567 | €44,621 | €13,811 | ▼ 69.0% |
| Deferred charges and accrued income490/1 | €26,602 | €21,615 | €16,393 | €26,743 | €29,604 | ▲ 10.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €77,267 | €100,128 | €118,688 | €137,883 | €154,914 | ▲ 12.4% |
| Equity10/15 | €18,046 | €56,711 | €70,888 | €91,827 | €59,269 | ▼ 35.5% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €3,750 | €3,750 | €3,750 | €3,750 | €3,750 | = |
| Distributable reserves133 | €3,750 | €3,750 | €3,750 | €3,750 | €3,750 | = |
| Profit (loss) carried forward14 | €4,296 | €42,961 | €57,138 | €78,077 | €45,519 | ▼ 41.7% |
| Amounts payable17/49 | €59,222 | €43,417 | €47,801 | €46,056 | €95,645 | ▲ 108% |
| Amounts payable within one year42/48 | €29,222 | €43,417 | €47,801 | €46,056 | €95,645 | ▲ 108% |
| Financial debts43 | - | - | - | €7,538 | €5,000 | ▼ 33.7% |
| Credit institutions430/8 | - | - | - | €7,538 | €5,000 | ▼ 33.7% |
| Trade debts44 | €44 | €6,675 | €10,222 | €3,500 | €17,459 | ▲ 399% |
| Suppliers440/4 | €44 | €6,675 | €10,222 | €3,500 | €17,459 | ▲ 399% |
| Taxes, remuneration and social security45 | €7,423 | €22,364 | €22,069 | €20,440 | €18,609 | ▼ 9.0% |
| Taxes450/3 | €5,360 | €17,543 | €15,006 | €15,006 | €6,316 | ▼ 57.9% |
| Remuneration and social security454/9 | €2,063 | €4,821 | €7,062 | €5,434 | €12,292 | ▲ 126% |
| Other amounts payable47/48 | €21,755 | €14,378 | €15,511 | €14,578 | €54,578 | ▲ 274% |
| Accrued charges and deferred income492/3 | €30,000 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,294 | €38,665 | €14,176 | €20,939 | €7,442 | ▼ 64.5% |
| + Depreciation and write-downs630 | €5,911 | €7,818 | €10,666 | €10,641 | €12,221 | ▲ 14.8% |
| Operating cash flow (approximation) | €10,204 | €46,484 | €24,843 | €31,580 | €19,663 | ▼ 37.7% |
| Investment in fixed assets (approximation) | - | -€5,208 | -€26,148 | -€8,730 | -€13,965 | ▼ 60.0% |
| Change in cash | - | €16,336 | -€3,443 | €20,055 | -€30,810 | ▼ 254% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2020net €38,665 ▲801%
Operating result €56,348, net result €38,665, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.66 to 1.32; short-term debt falls from €51,004 to €29,222.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Havelange · 2 establishment units since 2020
Ground area
1,282 m²
Building footprint
176 m²
Parcel 91064B0213/00S000, Wallonia. Linked by address, not a title deed.
2 establishment units
PL FIN
since 20202.300.211.676
PL FIN
since 20202.320.094.795
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91064B0213/00S000 | Wallonia | 1,282 m² | 1 · 176 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- PL INVEST
- PL FIN
Highest known parent: PL INVEST. The sources do not say who stands above it.
Owners 1
- PL INVESTparentSourceaccounts PL INVEST 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 927 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
Founded17-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0736521493
Also
9925:BE0736521493
Registered
16-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.