PLAFOND , ART & DECOR
ActivePLAFOND , ART & DECOR has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €1k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 18944 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+58
Solvency100=
Growth38▲+3
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 11.85 against 10.62 in 2023; short-term debt: 8.2% and cash: 9.1% of total assets), and 8.2% of the assets are financed with debt.
Credit advice 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 56
Relative position
BE, all sectors
reference
Sector 56
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
30 d late
2022
92 d late
2021
92 d late
2020
124 d late
2019
111 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€62k▲ 11.8%
2023 · €56k
2018: €96k
2019: €65k
2020: €44k
2021: €56k
2022: €66k
2023: €56k
2018 → 2024
EBIT margin
13.4%▲ 14.8pp
2023 · -1.5%
2018: 21.8%
2019: -9.0%
2020: -3.6%
2021: 20.3%
2022: 28.6%
2023: -1.5%
2018 → 2024
Net result
€1k
2023 · €-2k
2018: €12k
2019: €-14k
2020: €-2k
2021: €11k
2022: €18k
2023: €-2k
2018 → 2024
Working capital
€62k▲ 4.1%
2023 · €59k
2018: €51k
2019: €38k
2020: €35k
2021: €46k
2022: €64k
2023: €59k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€44k-€56k▲ 26.9%€66k▲ 16.4%€56k▼ 15.1%€62k▲ 11.8%
Equity€35k-€46k▲ 30.1%€64k▲ 39.1%€62k▼ 2.5%€64k▲ 2.3%
Operating result€-2k-€11k€19k▲ 64.7%€-819€8k
Net result€-2k-€11k€18k▲ 69.3%€-2k€1k
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: €8k after a loss of €819 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €69k
Fixed assets
€2k▼ 34.5%
Current assets
€68k▲ 3.0%
Equity and liabilities €69k
Equity
€64k▲ 2.3%
Debt
€6k▼ 7.6%
The debt ratio falls from 9.0% to 8.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2023 · €-605
Cash flow
€2k▲
2023 · €-1k
Solvency
91.8%▲
2023 · 91.0%
Current ratio
11.85▲
2023 · 10.62
Quick ratio
11.85▲
2023 · 10.62
Debt / equity
0.09▼
2023 · 0.10
ROE
2.2%▲
2023 · -2.6%
ROA
2.0%▲
2023 · -2.4%
Interest coverage
13.76▲
2023 · -1.21
Debt
€6k▼
2023 · €6k
Debt ≤ 1 year
€6k▼
2023 · €6k
Income taxes
€6k▲
2023 · €339
Staff costs
€122▲
2023 · €88
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€69k€69k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€112€112=
Current assets29/58€66k€68k▲
Amounts receivable within one year40/41€61k€61k▲
Trade receivables40€15k€14k▼
Other amounts receivable41€46k€47k▲
Cash at bank and in hand54/58€5k€6k▲
Deferred charges and accrued income490/1€96-
Equity and liabilities
Total equity and liabilities10/49€69k€69k▲
Equity10/15€62k€64k▲
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€49k€50k▲
Amounts payable17/49€6k€6k▼
Amounts payable within one year42/48€6k€6k▼
Financial debts43€2k€2k▼
Credit institutions430/8€2k€2k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Advances received on contracts in progress46€600€600=
Taxes, remuneration and social security45€370€2k▲
Taxes450/3€370€2k▲
Income statement
Code20232024
Turnover70€56k€62k▲
Goods, raw materials, services and sundry goods60/61€55k€53k▼
Remuneration, social security and pensions62€88€122▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€214€1k▲
Other operating charges640/8€1k€184▼
Gross operating margin9900€672€10k▲
Operating profit (loss)9901€-819€8k▲
Financial income75/76B€40€2▼
Recurring financial income75€40€2▼
Financial charges65/66B€502€680▲
Recurring financial charges65€502€680▲
Profit (loss) for the period before taxes9903€-1k€8k▲
Income taxes67/77€339€6k▲
Profit (loss) for the period9904€-2k€1k▲
Profit (loss) for the period to be appropriated9905€-2k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€50k▲
Profit (loss) brought forward from the previous period14P€50k€49k▼
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Highest result since 2018net €18k ▲69.3%
Net result €18k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 12.72
Current ratio from 2.65 to 12.72; short-term debt falls from €28k to €5k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 124 days late
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
2019
31-12
Financial
Weakest financial yearnet €-14k ▼222%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
21-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Leeuw · 1 establishment unit since 2004
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.
Galgstraat 501600 Sint-Pieters-LeeuwGround area
851 m²
Building footprint
208 m²
Volume, LiDAR
1,427 m³
2 parcels, Brussels, Flanders · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PLAFOND , ART & DECOR
since 20042.139.364.791
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0067/00K000 | Flanders | 636 m² | 1 · 124 m² | 7.8 m · 2 fl. |
| 21001A0360/00L016 | Brussels | 214 m² | 1 · 83 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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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't Brûûke
BE 0680.885.263
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AIT&CO
BE 0769.809.618
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SEFA INDUSTRIE
BE 1011.173.629
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JORIS IJS BE
BE 0473.753.839
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2004
Fiscal year end31-12
Activities, NACEBEL
45250
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43990Other specialised construction activities
43999Specialised construction activities
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.