Plan 40
ActivePlan 40 has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.39M and a net result of €-94k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.59 in 2024; short-term debt: 1.1% and cash: 0.2% of total assets), and 1.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
98.9%
Return on assets
-2.7%
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-94k
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
3 d early
2023
44 d early
2022
31 d early
2021
54 d early
2020
39 d early
2019
30 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.39M▼ 2.7%
2024 · €3.48M
2018: €-616k
2019: €-667k
2020: €-676k
2021: €-507k
2022: €13k
2023: €3.59M
2024: €3.48M
2018 → 2025
Total assets
€3.43M▼ 2.5%
2024 · €3.51M
2018: €4.39M
2019: €1.49M
2020: €1.52M
2021: €54k
2022: €13k
2023: €3.65M
2024: €3.51M
2018 → 2025
Net result
€-94k▲ 13.4%
2024 · €-108k
2018: €-203k
2019: €-51k
2020: €-10k
2021: €170k
2022: €519k
2023: €-23k
2024: €-108k
2018 → 2025
Working capital
€-24k▼ 167%
2024 · €-9k
2018: €2.41M
2019: €998k
2020: €1.03M
2021: €39k
2022: €13k
2023: €2k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-507k-€13k€3.59M▲ 27,950%€3.48M▼ 3.0%€3.39M▼ 2.7%
Operating result€207k-€519k▲ 150%€-23k€-108k▼ 378%€-93k▲ 13.5%
Net result€170k-€519k▲ 206%€-23k€-108k▼ 380%€-94k▲ 13.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €93k in 2025 against €108k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.43M
Fixed assets
€3.41M▼ 2.5%
Current assets
€13k▼ 1.0%
Equity and liabilities €3.43M
Equity
€3.39M▼ 2.7%
Debt
€37k▲ 18.1%
The debt ratio rises from 0.9% to 1.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-20k
Cash flow
€-6k▲
2024 · €-20k
Solvency
98.9%▼
2024 · 99.1%
Current ratio
0.35▼
2024 · 0.59
Quick ratio
0.35▼
2024 · 0.59
Debt / equity
0.01▲
2024 · 0.01
ROE
-2.8%▲
2024 · -3.1%
ROA
-2.7%▲
2024 · -3.1%
Interest coverage
-11.86▲
2024 · -54.09
Debt
€37k▲
2024 · €31k
Debt ≤ 1 year
€36k▲
2024 · €22k
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€3.51M€3.43M▼
Fixed assets21/28€3.50M€3.41M▼
Tangible fixed assets22/27€3.50M€3.41M▼
Land and buildings22€3.50M€3.41M▼
Current assets29/58€13k€13k▼
Amounts receivable within one year40/41-€2k
Trade receivables40-€2k
Cash at bank and in hand54/58€9k€7k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€3.51M€3.43M▼
Equity10/15€3.48M€3.39M▼
Contributions10/11€3.81M€3.81M=
Profit (loss) carried forward14€-327k€-421k▼
Amounts payable17/49€31k€37k▲
Amounts payable within one year42/48€22k€36k▲
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€1k€273▼
Taxes450/3€1k€273▼
Other amounts payable47/48€9k€29k▲
Accrued charges and deferred income492/3€9k€476▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€88k=
Other operating charges640/8€5k€6k▲
Gross operating margin9900€-15k€344▲
Operating profit (loss)9901€-108k€-93k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€368€450▲
Recurring financial charges65€368€450▲
Profit (loss) for the period before taxes9903€-108k€-94k▲
Profit (loss) for the period9904€-108k€-94k▲
Profit (loss) for the period to be appropriated9905€-108k€-94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-327k€-421k▼
Profit (loss) brought forward from the previous period14P€-219k€-327k▼
The notes to these accounts (4 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
14-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment5 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment5 facts ▸
- General meeting, 2026-08-14
- Director resignation, GPL BV (Bestuurder)
- Director appointment, Gechribo NV (Bestuurder)
- Permanent representative, Geert Pouleyn
- Mandate compensation, Gechribo NV
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2MEq €3.59M ▲27950%
Equity rises from €13k to €3.59M.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €519k ▲206%
Operating result €519k, net result €519k, both a record.
31-12
Financial
Liquidity times 18current ratio 70.48
Current ratio from 3.82 to 70.48; short-term debt falls from €14k to €184.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €170k
Net result €170k after 3 loss-making years.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
gechribo
CurrentDirector · since 01-04-2026 · Public limited company · perm. rep.: Geert Pouleyn
01-04-2026
gechribo: Appointed as Director
01-04-2026
GPL BV: Resigned as Director
Location & real-estate footprint
Registered office, Anzegem · 1 establishment unit since 2013
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.
Nijverheidslaan 98570 AnzegemGround area
9,888 m²
Building footprint
2.4 ha
Volume, LiDAR
156,498 m³
Parcel 34038B0402/00Y000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Plan 40
since 20132.223.783.297
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038B0402/00Y000 | Flanders | 9,888 m² | 1 · 2.4 ha | 10.1 m · 2 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.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
Plan 40BE 0541.668.091
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 2,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-2013
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.