Equity
€474,640 ▲ 3.3%
PLACYBEL has made a profit in every financial year since 2010.
PLACYBEL
Lifetime
16 annual accounts with figures on one time axispeak €228,248 (2014)
€123,071▼ 27.8%
peak €63,709 (2020)
€15,006▼ 27.9%
peak €474,640 (2025)
€474,640▲ 3.3%
€1.4m▼ 14.4%
peak 3 FTE (2013)
-not published
Board2 names since 2023
1 directorVAN GERVEN Monique Gerry Josiane Tony
Documentsfilings and deeds
27-10-202688 days late
2025micro format
Gross margin from €170,458 to €123,071Result from €20,803 to €15,006
Key points
from the 2025 annual accountsTurnover
≈ €410,000 estimated
The accounts state no turnover.
Debts
€1.4m 74% of the balance sheet
Financial debts 80%Taxes and wages 1%Other 20%
Of this, €224,419 falls due within a year.
Liquidity
5.53 was 2.92 in 2024
Short-term debts fell from €485,574 to €224,419.
Filings
16 annual accounts 88 days
Latest accounts filed late: after the legal deadline.
Position in the sector
€474,640
More equity than 95% of companies in specialised construction. Sector median €57,703 · 35,137 companies.
Checked score
53
Fair
Financially stronger than 45% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%lowest value
01-2025: 0.6%● unchanged vs 12-2024lowest value
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.8%▲ +0.1 percentage points vs 06-2025
08-2025: 1.2%▲ +0.4 percentage points vs 07-2025
09-2025: 1.5%▲ +0.3 percentage points vs 08-2025
10-2025: 0.7%▼ -0.8 percentage points vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.8%▲ +0.1 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 1.3%▲ +0.5 percentage points vs 07-2026
09-2026: 1.5%▲ +0.2 percentage points vs 08-2026
10-2026: 2.2%▲ +0.7 percentage points vs 09-2026highest value
11-2026: 2.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 5.53
Last filed accounts filed 88 days late; 2 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
lowers risk
Founded in 2008
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 43, micro). It does better than 27% of them on solvency, 94% on liquidity, 18% on profitability and 43% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as PLACYBEL has now. Each dot stands for 11 companies, two years later.
97.9%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PLACYBEL itself is higher: 2.2% within 12 months. It rests on far more data about PLACYBEL than the profile alone.
Test of the method
The method was tested on the 497,447 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 4,107 companies, not a prediction for PLACYBEL. 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.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.53 (2.92 in 2024), above the usual 1.5. Short-term debt is 12.1% of total assets. However, 74.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 88 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-10-2026, 88 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
88 days late
2024
36 days late
2023
28 days late
2022
17 days early
2021
8 days late
2020
24 days late
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0808225180
1 director resigning
Lagrange Séverine · Permanent representatives: Johan Jacobs, Kris Bollen, Sylvie van Mol and Greet Slegers · Director discharge: Lagrange Séverine · General meeting of 31-12-2023 · Gazette deed
Changes of role: LAGRANGE Severine (director) and VAN GERVEN Monique Gerry Josiane Tony (director)
Director discharge: LAGRANGE Severine · Director discharge: VAN GERVEN Monique Gerry Josiane Tony · Gazette deed
Registered office moved within Pelt
New registered office: Industrielaan 14, 3900 Pelt · Previous registered office: Europalaan 41A, 3900 Pelt · General meeting of 22-04-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PLACYBEL Pelt | €1.9m | €123,071 | 25.6% | - |
| DIECAPART Kortrijk | €2.4m | €146,776 | 24.9% | 0 |
| ILKO Aalst | €2.2m | €94,320 | 42.4% | - |
| Alg. Bouwwerken & Renovaties Ketelslegers Tongeren-Borgloon | €1.3m | €93,733 | 48.1% | - |
| IB Tessenderlo-Ham | €1.7m | €74,458 | 23.5% | 0.8 |
| VANDEREYT E. Sint-Truiden | €2.3m | €233,947 | 14.1% | - |
| BATI - BRAS Braine-le-Château | €1.1m | €162,541 | 28.9% | - |
These companies have the same main activity as PLACYBEL: floor and wall tiling (NACE 43331). They are comparable in size and age: total assets between €1.1m and €2.4m, founded between 2003 and 2014.
Official details
Source: KBO- Status
- Active since 05-12-2008Normal situation
- Activity
- Floor and wall tilingNACE 43331and 4 others
- Establishment unit
- 2.175.683.6703900 Pelt, since 27-01-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 12-08-2025
Insights on PLACYBEL
PLACYBEL files the micro format. That format states no turnover. The gross margin rose from €105,407 in 2010 to €123,071 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PLACYBEL
- What is the company number of PLACYBEL?
- The company number of PLACYBEL is 0808.225.180. The VAT number is the same number with BE in front: BE 0808.225.180.
- Where is PLACYBEL based?
- The registered office is at Industrielaan 14, 3900 Pelt.Company details
- What does PLACYBEL do?
- According to the KBO register, the main activity is floor and wall tiling (NACE 43331).
- What is the legal form of PLACYBEL?
- PLACYBEL is a private limited company (BV).
- When was PLACYBEL founded?
- PLACYBEL was founded on 05-12-2008.
- Is PLACYBEL still active?
- Yes, PLACYBEL is an active enterprise in the KBO register.
- What is the turnover of PLACYBEL?
- The turnover in financial year 2025 is ≈ €410,000. This figure is estimated from the gross margin of €123,071 and 61 comparable companies (NACE 433). It probably lies between €280,000 and €610,000. In financial year 2020 turnover was €2.4m.Financials
- Is PLACYBEL profitable?
- In financial year 2025, PLACYBEL made a profit of €15,006.
- Where can I find the annual accounts of PLACYBEL?
- PLACYBEL filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PLACYBEL due?
- PLACYBEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.