PLAFOND STYLE
ActivePLAFOND STYLE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €184k and a net result of €34k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+17
Solvency91▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.92 against 2.54 in 2023; short-term debt: 34.2% of total assets), and 34.4% 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-08-2025, 23 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
23 d late
2023
19 d late
2022
30 d late
2021
29 d late
2020
24 d late
2019
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€802k
EBIT margin
4.2%
Net result
€34k▲ 25.9%
2023 · €27k
2018: €7k
2019: €6k
2020: €-1k
2021: €7k
2022: €16k
2023: €27k
2018 → 2024
Working capital
€185k▲ 20.1%
2023 · €154k
2018: €99k
2019: €134k
2020: €121k
2021: €111k
2022: €138k
2023: €154k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€802k
Equity€101k-€108k▲ 6.7%€124k▲ 14.5%€151k▲ 21.6%€184k▲ 22.3%
Operating result€-1k-€14k€21k▲ 52.2%€34k▲ 59.2%€45k▲ 32.1%
Net result€-1k-€7k€16k▲ 132%€27k▲ 70.4%€34k▲ 25.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 32% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €281k
Equity
€184k▲ 22.3%
Debt
€97k▼ 6.6%
The debt ratio falls from 40.7% to 34.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2023 · €35k
Cash flow
€34k▲
2023 · €27k
Solvency
65.6%▲
2023 · 59.3%
Current ratio
2.92▲
2023 · 2.54
Quick ratio
2.92▲
2023 · 2.54
Debt / equity
0.52▼
2023 · 0.69
ROE
18.3%▲
2023 · 17.7%
ROA
12.0%▲
2023 · 10.5%
Interest coverage
20.14▲
2023 · 9.89
Debt
€97k▼
2023 · €103k
Debt ≤ 1 year
€96k▼
2023 · €100k
Debt > 1 year
€0=
2023 · €0
Income taxes
€9k▲
2023 · €5k
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€254k€281k▲
Fixed assets21/28€225€0▼
Tangible fixed assets22/27€225€0▼
Plant, machinery and equipment23€225€0▼
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Current assets29/58€254k€281k▲
Amounts receivable within one year40/41€179k€246k▲
Trade receivables40€161k€239k▲
Other amounts receivable41€18k€8k▼
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€75k€34k▼
Equity and liabilities
Total equity and liabilities10/49€254k€281k▲
Equity10/15€151k€184k▲
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€111k€145k▲
Amounts payable17/49€103k€97k▼
Amounts payable after more than one year17€0€0=
Financial debts170/4€0€0=
Amounts payable within one year42/48€100k€96k▼
Current portion of amounts payable after more than one year42€0€0=
Financial debts43€8k€27k▲
Credit institutions430/8€8k€27k▲
Trade debts44€59k€38k▼
Suppliers440/4€59k€38k▼
Taxes, remuneration and social security45€0€0=
Taxes450/3€0€0=
Remuneration and social security454/9€0€0=
Other amounts payable47/48€33k€31k▼
Accrued charges and deferred income492/3€3k€463▼
Income statement
Code20232024
Turnover70€802k-
Non-recurring operating income76A€18k-
Goods, raw materials, services and sundry goods60/61€777k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€474€225▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€3k€2k▼
Gross operating margin9900€42k€47k▲
Operating profit (loss)9901€34k€45k▲
Financial income75/76B€1k€31▼
Recurring financial income75€1k€31▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€32k€43k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€27k€34k▲
Profit (loss) for the period to be appropriated9905€27k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€111k€145k▲
Profit (loss) brought forward from the previous period14P€84k€111k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Highest result since 2018net €34k ▲25.9%
Operating result €45k, net result €34k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Equity above €150kEq €151k ▲21.6%
3 profitable years in a row build equity to €151k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼121%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Equity above €100kEq €103k ▲5.9%
2 profitable years in a row build equity to €103k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Verviers · 2 establishment units since 2003
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.
Rue de France 744800 VerviersGround area
6,336 m²
Building footprint
7,178 m²
Volume, LiDAR
38,400 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 18.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
PLAFOND STYLE
since 20032.132.614.779
PLAFOND STYLE
since 20192.293.000.222
3 parcels
Flanders
1
(33.3%)
Wallonia
1
(33.3%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0280/02G000 | Brussels | 5,916 m² | 1 · 7,069 m² | 18.5 m · 2 fl. |
| 23015B0002/00K000 | Flanders | 275 m² | 1 · 52 m² | 11.1 m · 3 fl. |
| 63079D0371/00V003 | Wallonia | 146 m² | 1 · 57 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
DENIERE
BE 0476.301.969
Langemark-Poelkapelle · Eq €184k
ZUZ-MAT
BE 0839.548.361
Asse · Eq €184k
GYP-STYLE
BE 0833.555.939
Halle · Eq €184k
BRASPENNING - DONCKERS PLAFONNERINGWERKEN
BE 0474.928.331
Hoogstraten · Eq €183k
BEZETTINGSWERKEN FRANSEN
BE 0837.982.208
Herentals · Eq €183k
Of 4,010 companies in sector 43310 we hold annual accounts for 1,745. 1,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2002
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.