Plan-B
ActiveSummary
The computed 12-month bankruptcy probability of Plan-B is 6.7% (elevated). The 2025 annual accounts show negative equity (-€81,025) and a net result of €2,470. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 12% of 13604 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+2
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
6.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.43 against 0.14 in 2024; short-term debt: 167% and cash: 1.8% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
-72.9%
Return on assets
2.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 13604 sector peers (2025).
NBB · sector comparisonPosition among 13604 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
291 d late
2023
362 d late
2022
322 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 252 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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 2 June (3 of the last 4 filed years within 56 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€81,025▲ 3.0%
2024 · -€83,495
Total assets
€111,213▲ 124%
2024 · €49,614
Net result
€2,470▼ 23.5%
2024 · €3,229
Working capital
-€106,362▼ 9.7%
2024 · -€96,935
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service 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
Line2022202320242025
Operating result-€63,473--€26,780▲ 57.8%€5,009€1,405▼ 72.0%
Net result-€65,286below the sector's middle half--€28,438below the sector's middle half▲ 56.4%€3,229within the sector's middle half€2,470within the sector's middle half▼ 23.5%
Equity-€58,286below the sector's middle half--€86,724below the sector's middle half▼ 48.8%-€83,495below the sector's middle half▲ 3.7%-€81,025below the sector's middle half▲ 3.0%
Total assets€55,479within the sector's middle half-€42,752below the sector's middle half▼ 22.9%€49,614within the sector's middle half▲ 16.1%€111,213within the sector's middle half▲ 124%
Debt€113,765-€129,477▲ 13.8%€133,109▲ 2.8%€192,238▲ 44.4%
Working capital-€54,762below the sector's middle half--€95,235below the sector's middle half▼ 73.9%-€96,935below the sector's middle half▼ 1.8%-€106,362below the sector's middle half▼ 9.7%
Solvency-105.1%below the sector's middle half--202.9%below the sector's middle half▼ 97.8pp-168.3%below the sector's middle half▲ 34.6pp-72.9%below the sector's middle half▲ 95.4pp
Current ratio0.26below the sector's middle half-0.06below the sector's middle half▼ 0.200.14below the sector's middle half▲ 0.080.43below the sector's middle half▲ 0.29
Return on assets (ROA)-117.7%below the sector's middle half--66.5%below the sector's middle half▲ 51.2pp6.5%within the sector's middle half▲ 73.0pp2.2%within the sector's middle half▼ 4.3pp
Staff (FTE)1.7-
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service 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 falls in 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111,213
Fixed assets
€31,854 ▼ 7.1%
Current assets
€79,359 ▲ 418%
Key figures and ratios
EBITDA
€5,971▼
2024 · €9,273
Cash flow
€7,037▼
2024 · €7,494
Quick ratio
0.40▲
2024 · 0.10
Debt to equity
-2.37▼
2024 · -1.59
Interest coverage
6.09▲
2024 · 5.21
Debt ≤ 1 year
€185,721▲
2024 · €112,249
Debt > 1 year
€4,196▼
2024 · €16,540
Staff costs
€9,830▲
2024 · €8,146
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 516 companies that looked in July 2024 the way this one looks now, 3.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a profit under 5% of the balance sheet
3.7%
went bankrupt
2.3%
stopped otherwise
92%
still going
A further 2.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 6.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 516 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1,040 | - |
| Remuneration, social security and pensions62 | €28,283 | €37,389 | €8,146 | €9,830 | ▲ 20.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,943 | €3,901 | €4,265 | €4,567 | ▲ 7.1% |
| Other operating charges640/8 | €2,285 | €4,340 | €1,705 | €3,644 | ▲ 114% |
| Gross operating margin9900 | -€30,962 | €18,849 | €19,124 | €19,445 | ▲ 1.7% |
| Operating profit (loss)9901 | -€63,473 | -€26,780 | €5,009 | €1,405 | ▼ 72.0% |
| Financial income75/76B | €0 | €1 | €1 | €2,046 | ▲ 215,241% |
| Recurring financial income75 | €0 | €1 | €1 | €2,046 | ▲ 215,241% |
| Financial charges65/66B | €1,813 | €1,659 | €1,781 | €980 | ▼ 45.0% |
| Recurring financial charges65 | €1,813 | €1,659 | €1,781 | €980 | ▼ 45.0% |
| Profit (loss) for the period before taxes9903 | -€65,286 | -€28,438 | €3,229 | €2,470 | ▼ 23.5% |
| Profit (loss) for the period9904 | -€65,286 | -€28,438 | €3,229 | €2,470 | ▼ 23.5% |
| Profit (loss) for the period to be appropriated9905 | -€65,286 | -€28,438 | €3,229 | €2,470 | ▼ 23.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €55,479 | €42,752 | €49,614 | €111,213 | ▲ 124% |
| Fixed assets21/28 | €36,636 | €37,035 | €34,301 | €31,854 | ▼ 7.1% |
| Tangible fixed assets22/27 | €26,127 | €26,526 | €23,792 | €21,345 | ▼ 10.3% |
| Plant, machinery and equipment23 | - | €3,440 | €2,580 | €3,684 | ▲ 42.8% |
| Furniture and vehicles24 | - | - | €1,166 | €656 | ▼ 43.7% |
| Other tangible fixed assets26 | €26,127 | €23,086 | €20,046 | €17,005 | ▼ 15.2% |
| Financial fixed assets28 | €10,509 | €10,509 | €10,509 | €10,509 | = |
| Current assets29/58 | €18,843 | €5,717 | €15,314 | €79,359 | ▲ 418% |
| Stocks and contracts in progress3 | €4,530 | €3,280 | €4,260 | €4,610 | ▲ 8.2% |
| Stocks30/36 | €4,530 | €3,280 | €4,260 | €4,610 | ▲ 8.2% |
| Amounts receivable within one year40/41 | €13,848 | €2,291 | €8,508 | €72,759 | ▲ 755% |
| Trade receivables40 | €7,471 | €1,101 | €8,508 | €27,270 | ▲ 221% |
| Other amounts receivable41 | €6,378 | €1,189 | - | €45,489 | - |
| Cash at bank and in hand54/58 | €423 | €147 | €608 | €1,990 | ▲ 227% |
| Deferred charges and accrued income490/1 | €42 | - | €1,938 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €55,479 | €42,752 | €49,614 | €111,213 | ▲ 124% |
| Equity10/15 | -€58,286 | -€86,724 | -€83,495 | -€81,025 | ▲ 3.0% |
| Contributions10/11 | €7,000 | €7,000 | €7,000 | €7,000 | = |
| Profit (loss) carried forward14 | -€65,286 | -€93,724 | -€90,495 | -€88,025 | ▲ 2.7% |
| Amounts payable17/49 | €113,765 | €129,477 | €133,109 | €192,238 | ▲ 44.4% |
| Amounts payable after more than one year17 | €40,160 | €28,525 | €16,540 | €4,196 | ▼ 74.6% |
| Financial debts170/4 | €40,160 | €28,525 | €16,540 | €4,196 | ▼ 74.6% |
| Amounts payable within one year42/48 | €73,606 | €100,952 | €112,249 | €185,721 | ▲ 65.5% |
| Current portion of amounts payable after more than one year42 | €7,568 | €11,635 | €11,984 | €12,344 | ▲ 3.0% |
| Trade debts44 | €12,797 | €7,415 | €9,260 | €31,024 | ▲ 235% |
| Suppliers440/4 | €12,797 | €7,415 | €9,260 | €31,024 | ▲ 235% |
| Taxes, remuneration and social security45 | €3,138 | - | €4,223 | €802 | ▼ 81.0% |
| Taxes450/3 | - | - | €4,223 | €802 | ▼ 81.0% |
| Remuneration and social security454/9 | €3,138 | - | - | - | - |
| Other amounts payable47/48 | €50,103 | €81,902 | €86,782 | €141,551 | ▲ 63.1% |
| Accrued charges and deferred income492/3 | - | - | €4,320 | €2,321 | ▼ 46.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€65,286 | -€28,438 | €3,229 | €2,470 | ▼ 23.5% |
| + Depreciation and write-downs630 | €1,943 | €3,901 | €4,265 | €4,567 | ▲ 7.1% |
| Operating cash flow (approximation) | -€63,343 | -€24,537 | €7,494 | €7,037 | ▼ 6.1% |
| Investment in fixed assets (approximation) | - | -€4,300 | -€1,530 | -€2,120 | ▼ 38.6% |
| Change in cash | - | -€277 | €461 | €1,382 | ▲ 200% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
18-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 291 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 362 days late
2024
31-12
Financial
Back to profitnet €3,229
Net result €3,229 after 2 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 322 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Bocholt · 2 establishment units since 2021
Ground area
5,429 m²
Building footprint
1,715 m²
Volume, LiDAR
1,625 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Plan-B
since 20212.324.832.454
A Lapide
since 20222.335.179.285
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003C1321/00A000 | Flanders | 4,776 m² | 1 · 1,550 m² | 10.9 m |
| 72003C0554/00Y000 | Flanders | 653 m² | 1 · 165 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBocholt2.335.179.285
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,859 companies in sector 56112 we hold annual accounts for 9,782. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0778344331
Registered
29-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.