PLAFOGYP
ActiveSummary
PLAFOGYP has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6,298 and a net result of €1,646. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 36381 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability78▲+78
Solvency52▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.9%
Return on assets
7%
Age of the figures
21 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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
33 d early
2022
33 d early
2021
32 d early
2020
32 d early
2019
20 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€6,298▲ 35.4%
2023 · €4,652
Total assets
€23,381▲ 12.7%
2023 · €20,750
Net result
€1,646
2023 · -€9,358
Working capital
-€673▲ 91.0%
2023 · -€7,468
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line20202021202220232024
Operating result€5,188▼ 29.9%€2,693▼ 48.1%€572▼ 78.8%-€8,798€1,996
Net result€3,957within the sector's middle half▼ 39.3%€1,778within the sector's middle half▼ 55.1%-€111below the sector's middle half-€9,358below the sector's middle half▼ 8,331%€1,646within the sector's middle half
Equity€12,343below the sector's middle half▲ 47.2%€14,121below the sector's middle half▲ 14.4%€14,010below the sector's middle half▼ 0.8%€4,652below the sector's middle half▼ 66.8%€6,298below the sector's middle half▲ 35.4%
Total assets€18,020below the sector's middle half▲ 49.7%€24,091below the sector's middle half▲ 33.7%€27,639below the sector's middle half▲ 14.7%€20,750below the sector's middle half▼ 24.9%€23,381below the sector's middle half▲ 12.7%
Debt€5,677▲ 55.5%€9,970▲ 75.6%€13,629▲ 36.7%€16,098▲ 18.1%€17,083▲ 6.1%
Working capital€11,154within the sector's middle half▲ 77.6%€5,263within the sector's middle half▼ 52.8%-€2,693below the sector's middle half-€7,468below the sector's middle half▼ 177%-€673below the sector's middle half▲ 91.0%
Solvency68.5%above the sector's middle half▼ 1.2pp58.6%within the sector's middle half▼ 9.9pp50.7%within the sector's middle half▼ 7.9pp22.4%below the sector's middle half▼ 28.3pp26.9%within the sector's middle half▲ 4.5pp
Current ratio2.96within the sector's middle half▲ 0.241.53within the sector's middle half▼ 1.440.80below the sector's middle half▼ 0.730.54below the sector's middle half▼ 0.270.96below the sector's middle half▲ 0.42
Return on assets (ROA)22.0%above the sector's middle half▼ 32.2pp7.4%within the sector's middle half▼ 14.6pp-0.4%below the sector's middle half▼ 7.8pp-45.1%below the sector's middle half▼ 44.7pp7.0%within the sector's middle half▲ 52.1pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 2024: €1,996 after a loss of €8,798 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €23,381
Fixed assets
€8,071 ▼ 33.4%
Current assets
€15,310 ▲ 77.4%
Equity and liabilities €23,381
Equity
€6,298 ▲ 35.4%
Debt
€17,083 ▲ 6.1%
Debt's share of the balance-sheet total falls from 77.6% to 73.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7,889▲
2023 · -€3,475
Cash flow
€7,539▲
2023 · -€4,035
Debt to equity
2.71▼
2023 · 3.46
ROE
26.1%▲
2023 · -201.2%
Interest coverage
21.97▲
2023 · -6.03
Debt ≤ 1 year
€15,983▼
2023 · €16,098
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.4%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,053 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €917 | €1,231 | €4,168 | €5,323 | €5,893 | ▲ 10.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €4,891 | - | - | - |
| Other operating charges640/8 | - | €508 | €128 | €128 | €128 | = |
| Non-recurring operating charges66A | - | - | - | - | €3,147 | - |
| Gross operating margin9900 | €7,030 | €4,432 | €9,759 | -€3,347 | €11,164 | ▲ 434% |
| Operating profit (loss)9901 | €5,188 | €2,693 | €572 | -€8,798 | €1,996 | ▲ 123% |
| Financial income75/76B | - | - | €4 | €16 | €9 | ▼ 43.8% |
| Recurring financial income75 | €2 | - | €4 | €16 | €9 | ▼ 43.8% |
| Financial charges65/66B | - | €745 | €687 | €576 | €359 | ▼ 37.7% |
| Recurring financial charges65 | €843 | €745 | €687 | €576 | €359 | ▼ 37.7% |
| Profit (loss) for the period before taxes9903 | €4,347 | €1,948 | -€111 | -€9,358 | €1,646 | ▲ 118% |
| Income taxes67/77 | €390 | €170 | - | - | - | - |
| Profit (loss) for the period9904 | €3,957 | €1,778 | -€111 | -€9,358 | €1,646 | ▲ 118% |
| Profit (loss) for the period to be appropriated9905 | €3,957 | €1,778 | -€111 | -€9,358 | €1,646 | ▲ 118% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,020 | €24,091 | €27,639 | €20,750 | €23,381 | ▲ 12.7% |
| Fixed assets21/28 | €1,189 | €8,858 | €16,703 | €12,120 | €8,071 | ▼ 33.4% |
| Tangible fixed assets22/27 | €1,189 | €8,858 | €16,703 | €12,120 | €8,071 | ▼ 33.4% |
| Plant, machinery and equipment23 | - | €1,483 | €6,299 | €4,577 | €3,541 | ▼ 22.6% |
| Furniture and vehicles24 | - | €7,375 | €8,516 | €5,844 | €3,020 | ▼ 48.3% |
| Other tangible fixed assets26 | - | - | €1,888 | €1,699 | €1,510 | ▼ 11.1% |
| Current assets29/58 | €16,831 | €15,233 | €10,936 | €8,630 | €15,310 | ▲ 77.4% |
| Amounts receivable within one year40/41 | €13,318 | €10,040 | €7,843 | €3,147 | €8,700 | ▲ 176% |
| Trade receivables40 | - | €8,079 | €6,153 | €3,147 | €8,700 | ▲ 176% |
| Other amounts receivable41 | - | €1,961 | €1,690 | - | - | - |
| Cash at bank and in hand54/58 | €2,708 | €4,365 | €3,093 | €5,483 | €6,556 | ▲ 19.6% |
| Deferred charges and accrued income490/1 | - | €828 | - | - | €54 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,020 | €24,091 | €27,639 | €20,750 | €23,381 | ▲ 12.7% |
| Equity10/15 | €12,343 | €14,121 | €14,010 | €4,652 | €6,298 | ▲ 35.4% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €14,760 | €16,460 | €16,460 | €16,460 | €16,460 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €14,600 | €14,600 | €16,460 | €16,460 | = |
| Profit (loss) carried forward14 | -€8,617 | -€8,539 | -€8,650 | -€18,008 | -€16,362 | ▲ 9.1% |
| Amounts payable17/49 | €5,677 | €9,970 | €13,629 | €16,098 | €17,083 | ▲ 6.1% |
| Amounts payable within one year42/48 | €5,677 | €9,970 | €13,629 | €16,098 | €15,983 | ▼ 0.7% |
| Trade debts44 | €1,731 | €401 | €3,255 | €1,208 | €644 | ▼ 46.7% |
| Suppliers440/4 | - | €401 | €3,255 | €1,208 | €644 | ▼ 46.7% |
| Taxes, remuneration and social security45 | - | €1,500 | €2,130 | €5,675 | €4,708 | ▼ 17.0% |
| Taxes450/3 | - | €170 | €402 | €2,068 | €3,601 | ▲ 74.1% |
| Remuneration and social security454/9 | - | €1,330 | €1,728 | €3,607 | €1,107 | ▼ 69.3% |
| Other amounts payable47/48 | - | €8,069 | €8,244 | €9,215 | €10,631 | ▲ 15.4% |
| Accrued charges and deferred income492/3 | - | - | - | - | €1,100 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,957 | €1,778 | -€111 | -€9,358 | €1,646 | ▲ 118% |
| + Depreciation and write-downs630 | €917 | €1,231 | €4,168 | €5,323 | €5,893 | ▲ 10.7% |
| Operating cash flow (approximation) | €4,874 | €3,009 | €4,057 | -€4,035 | €7,539 | ▲ 287% |
| Investment in fixed assets (approximation) | - | -€8,900 | -€12,013 | -€740 | -€1,844 | ▼ 149% |
| Change in cash | - | €1,657 | -€1,272 | €2,390 | €1,073 | ▼ 55.1% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1,646
Net result €1,646 after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6,523
Net result €6,523 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.72
Current ratio from 1.00 to 2.72; short-term debt falls from €9,510 to €3,651.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Mons · 1 establishment unit since 2008
Ground area
4.0 ha
Building footprint
4.5 ha
Volume, LiDAR
489,968 m³
Parcel 53030D0160/00N000, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PLAFOGYP
since 20082.168.007.012
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030D0160/00N000 | Wallonia | 4.0 ha | 1 · 4.5 ha | 15.1 m · 4 fl. |
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.
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Of 4,269 companies in sector 43230 we hold annual accounts for 1,241. 551 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
Founded28-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43110Demolition
43120Site preparation
43222Installation of electric heating, air conditioning, cooling and ventilation
43310Plastering work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894547658
Registered
07-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.