PLADECO
ActivePLADECO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €19k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+13
Solvency75▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 2.07 in 2024; short-term debt: 41.1% and cash: 69% of total assets), and 49.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
50.3%
Return on assets
23.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
45 d early
2023
49 d early
2022
48 d early
2021
47 d early
2020
2 d early
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 49.1%
2024 · €27k
2019: €22k
2020: €28k
2021: €30k
2022: €37k
2023: €27k
2024: €27k
2019 → 2025
Total assets
€81k▲ 31.0%
2024 · €62k
2019: €68k
2020: €100k
2021: €98k
2022: €114k
2023: €80k
2024: €62k
2019 → 2025
Net result
€19k▲ 141%
2024 · €8k
2019: €4k
2020: €5k
2021: €3k
2022: €6k
2023: €-9k
2024: €8k
2019 → 2025
Working capital
€45k▲ 50.7%
2024 · €30k
2019: €29k
2020: €28k
2021: €31k
2022: €45k
2023: €23k
2024: €30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€37k▲ 20.2%€27k▼ 24.9%€27k▼ 0.3%€41k▲ 49.1%
Operating result€4k-€9k▲ 94.9%€-9k€8k€25k▲ 216%
Net result€3k-€6k▲ 121%€-9k€8k€19k▲ 141%
Turnover and EBIT margin not published: the 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 216% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€3k▼ 34.3%
Current assets
€78k▲ 36.3%
Equity and liabilities €81k
Equity
€41k▲ 49.1%
Debt
€40k▲ 16.6%
The debt ratio falls from 55.8% to 49.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €18k
Cash flow
€21k▲
2024 · €18k
Solvency
50.3%▲
2024 · 44.2%
Current ratio
2.34▲
2024 · 2.07
Quick ratio
2.28▲
2024 · 2.00
Debt / equity
0.99▼
2024 · 1.26
ROE
46.3%▲
2024 · 28.6%
ROA
23.3%▲
2024 · 12.6%
Interest coverage
272.30▲
2024 · 50.90
Debt
€40k▲
2024 · €35k
Debt ≤ 1 year
€33k▲
2024 · €28k
Debt > 1 year
€7k=
2024 · €7k
Income taxes
€7k▲
2024 · €0
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€62k€81k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€5k€3k▼
Current assets29/58€57k€78k▲
Stocks and contracts in progress3€2k€2k=
Contracts in progress37€2k€2k=
Amounts receivable within one year40/41€2k€20k▲
Trade receivables40€2k€20k▲
Other amounts receivable41-€338
Cash at bank and in hand54/58€53k€56k▲
Equity and liabilities
Total equity and liabilities10/49€62k€81k▲
Equity10/15€27k€41k▲
Contributions10/11€12k€12k=
Reserves13€16k€28k▲
Distributable reserves133€16k€28k▲
Profit (loss) carried forward14€-1k-
Amounts payable17/49€35k€40k▲
Amounts payable after more than one year17€7k€7k=
Financial debts170/4€7k€7k=
Amounts payable within one year42/48€28k€33k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€2k€571▼
Suppliers440/4€2k€571▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€21k€27k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€992€983▼
Gross operating margin9900€19k€28k▲
Operating profit (loss)9901€8k€25k▲
Financial income75/76B€142€441▲
Recurring financial income75€142€441▲
Financial charges65/66B€355€99▼
Recurring financial charges65€355€99▼
Profit (loss) for the period before taxes9903€8k€26k▲
Income taxes67/77€0€7k▲
Profit (loss) for the period9904€8k€19k▲
Profit (loss) for the period to be appropriated9905€8k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€18k▲
Profit (loss) brought forward from the previous period14P€-9k€-1k▲
Transfer from equity791/2€8k€5k▼
Transfer to equity691/2-€18k
To other reserves6921-€18k
Profit to be distributed694/7€8k€5k▼
Return on contributions (dividend)694€8k€5k▼
The notes to these accounts (5 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €19k ▲141%
Operating result €25k, net result €19k, both a record.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-9k ▼248%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lokeren · 1 establishment unit since 2010
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.
Oostvaart 29180 LokerenGround area
415 m²
Building footprint
175 m²
Volume, LiDAR
699 m³
Parcel 44045D0241/00B000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Oostvaart 2, 9180 Lokeren
since 20102.193.106.553
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44045D0241/00B000 | Flanders | 415 m² | 1 · 175 m² | 6.7 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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BE 0740.733.273
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MINCKE STEFAN
BE 0860.171.155
Wortegem-Petegem · Eq €41k
PLAFO DESIGN
BE 0664.453.661
Chapelle-lez-Herlaimont · Eq €41k
GENERAL MB
BE 0721.663.568
Jette · Eq €41k
BCR
BE 0660.684.321
Maasmechelen · Eq €41k
Of 4,011 companies in sector 43310 we hold annual accounts for 1,745. 1,497 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2010
Fiscal year end30-06
Activities, NACEBEL
43310Plastering work
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43422Screed work
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.