PLAN B · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

PLAN B has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €459k and a net result of €-21k. Its solvency ranks better than 67% of 4969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00516298

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.9% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€-21k

Working capital€257k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro schema

Sector comparison

Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	39.6%	16.7%	better than 67% of 4969 sector peers
Net result	€-21k	€2k	better than 19% of 4961 sector peers
Equity	€459k	€27k	better than 92% of 4972 sector peers
Gross operating margin	€55k	€27k	better than 69% of 4955 sector peers
Total assets	€1.16M	€302k	better than 83% of 4971 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro schema
Revenue	-
EBITDA	€45k
Net profit	€-21k
Cash flow	€33k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€1.16M
Equity	€459k
Debt	€700k
of which ≤ 1y	€33k
of which > 1y	€665k
Working capital	€257k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	8.70
Quick ratio	8.70
Working capital ratio	22.2%
Solvency	39.6%
Debt / equity	1.52
Long-term debt ratio	1.45
Interest coverage	3.84
Gross margin	-
Net margin	-
ROA	-1.8%
ROE	-4.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €868k · 74.9% Current assets €290k · 25.1%

Equity & liabilities

Equity €459k · 39.6% Debt €700k · 60.4%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.16M
Fixed assets	21/28	€868k
Tangible fixed assets	22/27	€868k
Current assets	29/58	€290k
Amounts receivable within one year	40/41	€16k
Cash & bank	54/58	€275k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.16M
Equity	10/15	€459k
Contributions / capital	10/11	€18k
Reserves	13	€127k
Accumulated profits (losses)	14	€314k
Amounts payable	17/49	€700k
Amounts payable after one year	17	€665k
Amounts payable within one year	42/48	€33k
Trade debts payable within one year	44	€11k
Income statement
Gross operating margin	9900	€55k
Operating result	9901	€-9k
Financial charges	65	€12k
Result before taxes	9903	€-21k
Net result for the period	9904	€-21k
Result to be appropriated	9905	€-21k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

66 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

PLAN B

Grote Baan 235, 3530 Houthalen-HelchterenHandel in eigen onroerend goed

since 20232.354.234.837

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,093 m²

Buildings1

Building footprint242 m²

Volume (LiDAR)2,411 m³

Tallest building23.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72015B0275/00D000	Flanders	1,093 m²	1 · 242 m²	23.4 m · 3 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.