Debts
€44,622 86% of the balance sheet
Financial debts 37%Suppliers 13%Taxes and wages 4%Other 47%
Of this, €28,184 falls due within a year.
Plan B Group
Lifetime
1 annual account with figurespeak €224,517 (2024)
€224,517
peak €22,087 (2024)
€22,087
peak €7,087 (2024)
€7,087
€44,622
Board1 name since 2024
1 directorSCHIPOR Stefan
Documentsfilings and deeds
16-08-202516 days late
2024micro format
Incorporation 17-011 establishment registeredFirst year with figures
Key points
from the 2024 annual accountsAt the same address
7 companies
Position in the sector
€7,087
Less equity than 85% of companies in specialised construction. Sector median €58,287 · 35,973 companies.
2024 accounts filed 16 days after the deadline
Checked score
35
Weak
Financially stronger than 37% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2025: 1.9%lowest value
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 2.0%▲ +0.1 percentage points vs 03-2025
05-2025: 2.3%▲ +0.3 percentage points vs 04-2025
06-2025: 2.4%▲ +0.1 percentage points vs 05-2025
07-2025: 2.7%▲ +0.3 percentage points vs 06-2025
08-2025: 3.0%▲ +0.3 percentage points vs 07-2025
09-2025: 3.6%▲ +0.6 percentage points vs 08-2025
10-2025: 3.6%● unchanged vs 09-2025
11-2025: 3.5%▼ -0.1 percentage points vs 10-2025
12-2025: 3.7%▲ +0.2 percentage points vs 11-2025
01-2026: 3.9%▲ +0.2 percentage points vs 12-2025
02-2026: 3.9%● unchanged vs 01-2026
03-2026: 4.2%▲ +0.3 percentage points vs 02-2026
04-2026: 4.3%▲ +0.1 percentage points vs 03-2026
05-2026: 4.3%● unchanged vs 04-2026
06-2026: 4.3%● unchanged vs 05-2026
07-2026: 4.4%▲ +0.1 percentage points vs 06-2026
08-2026: 4.7%▲ +0.3 percentage points vs 07-2026
09-2026: 4.9%▲ +0.2 percentage points vs 08-2026
10-2026: 6.3%▲ +1.4 percentage points vs 09-2026highest value
11-2026: 6.3%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2024 (filed on 16-08-2025)
Founded in 2024
Size: turnover €224,517, total assets €51,710
1 financial year not filed after the legal deadline; last filed accounts filed 16 days late
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 16% of them on solvency, 15% on liquidity and 79% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as Plan B Group has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Plan B Group itself is higher: 6.3% within 12 months. It rests on far more data about Plan B Group than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for Plan B Group. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.78, below 1. Short-term debt is 54.5% and cash 2.9% of total assets. 86.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 35956 sector peers (2024).
NBB · sector comparisonPosition among 35956 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · 2024 accounts filed 16 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-08-2025, 16 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2024
16 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its 2024 accounts 16 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1004681359
Incorporation
Founder: SCHIPOR Stefan · Appointment: SCHIPOR Stefan (director) · published on 17-01-2024 · Gazette deed
First establishment
Steenweg op Merchtem 62, Wemmel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Plan B Group Wemmel | €224,517 | 10.6% | 13.7% | - |
| SAV VERWARMING/CHAUFFAGE Dilbeek | €0 | - | 72.7% | - |
| MGV COMFORT Zaventem | - | - | 70.0% | - |
| SANI-TOP Sint-Genesius-Rode | €150,790 | 18.2% | 43.0% | - |
| BELL-BATI-ART RENOVATION Tienen | €224,138 | 15.8% | 76.7% | - |
| ETABLISSEMENT MAHIEU Dour | - | - | 78.0% | - |
| KENNY VANDERPLANCKE Staden | - | - | 46.8% | - |
Grey: the largest companies of the sector (specialised construction (NACE 43)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Plan B Group: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €50,900 and €56,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 15-01-2024Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilationNACE 43222and 4 others
- Establishment unit
- 2.355.066.1661780 Wemmel, since 15-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 08-01-2026
Insights on Plan B Group
The computed 12-month bankruptcy probability of Plan B Group is 6.3% (elevated). The 2024 annual accounts show equity of €7,087 and a net result of €22,087.
Its solvency ranks better than 17% of 35,956 sector peers (NACE 43, financial year 2024). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Plan B Group
- What is the company number of Plan B Group?
- The company number of Plan B Group is 1004.681.359. The VAT number is the same number with BE in front: BE 1004.681.359.
- Where is Plan B Group based?
- The registered office is at Steenweg op Merchtem 62, 1780 Wemmel.Company details
- What does Plan B Group do?
- According to the KBO register, the main activity is installation of electric heating, air conditioning, cooling and ventilation (NACE 43222).
- What is the legal form of Plan B Group?
- Plan B Group is a private limited company (BV).
- When was Plan B Group founded?
- Plan B Group was founded on 15-01-2024.
- Is Plan B Group still active?
- Yes, Plan B Group is an active enterprise in the KBO register.
- What is the turnover of Plan B Group?
- The turnover of Plan B Group was €224,517 in financial year 2024, according to the filed annual accounts.Financials
- Is Plan B Group profitable?
- In financial year 2024, Plan B Group made a profit of €22,087.
- Where can I find the annual accounts of Plan B Group?
- Plan B Group filed 1 annual account with the National Bank of Belgium, for financial year 2024.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.