PLAN 21
ActivePLAN 21 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422k and a net result of €45k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 2172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-15
Solvency50▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.26 in 2024; short-term debt: 69.9% and cash: 5% of total assets), and 75.5% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
24.5%
Return on assets
2.6%
Age of the figures
9 mo
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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
15 d early
2023
30 d early
2022
25 d early
2021
29 d late
2020
31 d late
2019
26 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€422k▲ 12.0%
2024 · €376k
2018: €111k
2019: €151k
2020: €196k
2021: €234k
2022: €274k
2023: €277k
2024: €376k
2018 → 2025
Total assets
€1.72M▲ 3.2%
2024 · €1.67M
2018: €638k
2019: €791k
2020: €1.43M
2021: €1.49M
2022: €1.42M
2023: €1.54M
2024: €1.67M
2018 → 2025
Net result
€45k▼ 54.5%
2024 · €99k
2018: €36k
2019: €40k
2020: €45k
2021: €38k
2022: €40k
2023: €4k
2024: €99k
2018 → 2025
Working capital
€483k▲ 46.8%
2024 · €329k
2018: €63k
2019: €111k
2020: €184k
2021: €206k
2022: €212k
2023: €205k
2024: €329k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€274k▲ 17.2%€277k▲ 1.3%€376k▲ 35.7%€422k▲ 12.0%
Operating result€102k-€111k▲ 8.8%€52k▼ 52.6%€168k▲ 221%€97k▼ 42.2%
Net result€38k-€40k▲ 6.8%€4k▼ 91.1%€99k▲ 2,683%€45k▼ 54.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€35k▼ 44.1%
Current assets
€1.68M▲ 5.0%
Equity and liabilities €1.72M
Equity
€422k▲ 12.0%
Debt
€1.30M▲ 0.6%
The debt ratio falls from 77.4% to 75.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€125k▼
2024 · €215k
Cash flow
€73k▼
2024 · €145k
Solvency
24.5%▲
2024 · 22.6%
Current ratio
1.40▲
2024 · 1.26
Quick ratio
1.40▲
2024 · 1.26
Debt / equity
3.08▼
2024 · 3.42
ROE
10.7%▼
2024 · 26.3%
ROA
2.6%▼
2024 · 5.9%
Interest coverage
4.69▼
2024 · 13.67
Debt
€1.30M▲
2024 · €1.29M
Debt ≤ 1 year
€1.20M▼
2024 · €1.27M
Debt > 1 year
€96k
Income taxes
€26k▼
2024 · €56k
Staff costs
€102k▲
2024 · €95k
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€1.67M€1.72M▲
Fixed assets21/28€63k€35k▼
Tangible fixed assets22/27€61k€33k▼
Land and buildings22€21k€18k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€21k-
Other tangible fixed assets26€13k€13k=
Financial fixed assets28€2k€2k=
Current assets29/58€1.60M€1.68M▲
Amounts receivable within one year40/41€1.56M€1.60M▲
Trade receivables40€1.53M€1.58M▲
Other amounts receivable41€34k€19k▼
Cash at bank and in hand54/58€39k€86k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.67M€1.72M▲
Equity10/15€376k€422k▲
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€365k€410k▲
Amounts payable17/49€1.29M€1.30M▲
Amounts payable after more than one year17-€96k
Financial debts170/4-€96k
Amounts payable within one year42/48€1.27M€1.20M▼
Current portion of amounts payable after more than one year42€33k€29k▼
Financial debts43€120k€120k=
Credit institutions430/8€120k€120k=
Trade debts44€801k€603k▼
Suppliers440/4€801k€603k▼
Taxes, remuneration and social security45€63k€107k▲
Taxes450/3€44k€81k▲
Remuneration and social security454/9€20k€26k▲
Other amounts payable47/48€256k€342k▲
Accrued charges and deferred income492/3€15k-
Income statement
Code20242025
Remuneration, social security and pensions62€95k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€28k▼
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A-€18
Gross operating margin9900€316k€229k▼
Operating profit (loss)9901€168k€97k▼
Financial income75/76B€2k€596▼
Recurring financial income75€2k€596▼
Financial charges65/66B€16k€27k▲
Recurring financial charges65€16k€27k▲
Profit (loss) for the period before taxes9903€155k€71k▼
Income taxes67/77€56k€26k▼
Profit (loss) for the period9904€99k€45k▼
Profit (loss) for the period to be appropriated9905€99k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€365k€410k▲
Profit (loss) brought forward from the previous period14P€266k€365k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (10 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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €99k ▲2683%
Operating result €168k, net result €99k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €4k ▼91.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Equity above €200kEq €234k ▲19.2%
4 profitable years in a row build equity to €234k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
31-12
Financial
Equity above €150kEq €151k ▲35.9%
2 profitable years in a row build equity to €151k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
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
9 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, Dilsen-Stokkem · 1 establishment unit since 2014
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.
Ondernemerspark 26a3650 Dilsen-StokkemGround area
6,544 m²
Building footprint
396 m²
Volume, LiDAR
929 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PLAN 21
since 20142.230.926.061
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005B2052/00A000 | Flanders | 5,921 m² | 1 · 227 m² | - |
| 72007B0032/00T000 | Flanders | 623 m² | 1 · 169 m² | 8.5 m · 2 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.
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AB CASA
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VALKENIER
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LAMANT M. ET FILS
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Rumes · Eq €421k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.