PLAN & BOUW
ActiveSummary
PLAN & BOUW has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.35M and a net result of €1.32M. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+8
Solvency56▲+1
Growth49▲+5
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.42 in 2024; short-term debt: 65% and cash: 0.7% of total assets), and 68.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
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
31.3%
Return on assets
4.9%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
21 d early
2023
9 d early
2022
18 d early
2021
23 d early
2020
25 d early
2019
15 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€15.46M▲ 28.9%
2024 · €12.00M
2019: €13.13M
2020: €15.98M
2021: €14.46M
2022: €16.78M
2023: €13.12M
2024: €12.00M
2019 → 2025
EBIT margin
11.1%▼ 0.7pp
2024 · 11.7%
2019: 17.9%
2020: 13.7%
2021: 20.3%
2022: 9.8%
2023: 10.5%
2024: 11.7%
2019 → 2025
Net result
€1.32M▲ 33.3%
2024 · €986k
2018: €2.71M
2019: €1.90M
2020: €1.79M
2021: €2.27M
2022: €1.34M
2023: €1.07M
2024: €986k
2018 → 2025
Working capital
€8.07M▲ 6.9%
2024 · €7.55M
2018: €5.27M
2019: €5.16M
2020: €4.69M
2021: €6.03M
2022: €6.92M
2023: €7.14M
2024: €7.55M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.46M-€16.78M▲ 16.0%€13.12M▼ 21.8%€12.00M▼ 8.5%€15.46M▲ 28.9%
Equity€6.74M-€7.58M▲ 12.4%€7.85M▲ 3.5%€8.03M▲ 2.4%€8.35M▲ 3.9%
Operating result€2.94M-€1.65M▼ 43.9%€1.37M▼ 16.8%€1.41M▲ 2.7%€1.71M▲ 21.5%
Net result€2.27M-€1.34M▼ 41.1%€1.07M▼ 20.0%€986k▼ 7.7%€1.32M▲ 33.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26.65M
Fixed assets
€1.26M ▼ 14.5%
Current assets
€25.39M ▼ 0.9%
Equity and liabilities €26.65M
Equity
€8.35M ▲ 3.9%
Debt
€18.31M ▼ 4.0%
Debt's share of the balance-sheet total falls from 70.4% to 68.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2.03M▲
2024 · €1.73M
Cash flow
€1.63M▲
2024 · €1.30M
Current ratio
1.47▲
2024 · 1.42
Quick ratio
0.48▲
2024 · 0.45
Debt to equity
2.19▼
2024 · 2.37
ROE
15.8%▲
2024 · 12.3%
ROA
4.9%▲
2024 · 3.6%
Interest coverage
5.03▲
2024 · 3.56
Debt ≤ 1 year
€17.32M▼
2024 · €18.07M
Debt > 1 year
€828k▼
2024 · €851k
Income taxes
€145k▲
2024 · €85k
Staff costs
€1.07M▼
2024 · €1.22M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 86 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27.10M€26.65M▼
Fixed assets21/28€1.47M€1.26M▼
Tangible fixed assets22/27€1.30M€1.09M▼
Land and buildings22€739k€612k▼
Plant, machinery and equipment23€150k€114k▼
Furniture and vehicles24€36k€26k▼
Leasing and similar rights25€293k€253k▼
Other tangible fixed assets26€84k€84k=
Financial fixed assets28€171k€171k=
Affiliated companies280/1€25k€25k=
Participating interests280€25k€25k=
Other financial fixed assets284/8€146k€146k=
Amounts receivable and cash guarantees285/8€146k€146k=
Current assets29/58€25.62M€25.39M▼
Stocks and contracts in progress3€17.45M€17.14M▼
Stocks30/36€17.45M€17.14M▼
Property held for sale35€17.45M€17.14M▼
Amounts receivable within one year40/41€7.98M€8.01M▲
Trade receivables40€1.27M€137k▼
Other amounts receivable41€6.71M€7.87M▲
Cash at bank and in hand54/58€111k€177k▲
Deferred charges and accrued income490/1€84k€67k▼
Equity and liabilities
Total equity and liabilities10/49€27.10M€26.65M▼
Equity10/15€8.03M€8.35M▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€7.88M€8.20M▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€7.87M€8.18M▲
Amounts payable17/49€19.07M€18.31M▼
Amounts payable after more than one year17€851k€828k▼
Financial debts170/4€851k€718k▼
Leasing and similar obligations172€184k€135k▼
Credit institutions173€667k€583k▼
Other amounts payable178/9-€110k
Amounts payable within one year42/48€18.07M€17.32M▼
Current portion of amounts payable after more than one year42€193k€213k▲
Financial debts43€9.65M€6.16M▼
Credit institutions430/8€9.65M€6.16M▼
Trade debts44€4.85M€4.91M▲
Suppliers440/4€4.85M€4.91M▲
Advances received on contracts in progress46€1.91M€3.71M▲
Taxes, remuneration and social security45€541k€1.08M▲
Taxes450/3€501k€1.04M▲
Remuneration and social security454/9€40k€42k▲
Other amounts payable47/48€924k€1.24M▲
Accrued charges and deferred income492/3€144k€156k▲
Income statement
Code20242025
Operating income70/76A€12.11M€15.57M▲
Turnover70€12.00M€15.46M▲
Other operating income74€114k€95k▼
Non-recurring operating income76A€120€13k▲
Operating charges60/66A€10.70M€13.86M▲
Goods for resale, raw materials and consumables60€8.21M€11.40M▲
Purchases600/8€11.93M€11.09M▼
Change in stocks: decrease (increase)609€-3.72M€305k▲
Services and other goods61€891k€881k▼
Remuneration, social security and pensions62€1.22M€1.07M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€318k€317k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€66k€201k▲
Non-recurring operating charges66A-€2k
Operating profit (loss)9901€1.41M€1.71M▲
Financial income75/76B€212k€252k▲
Recurring financial income75€212k€252k▲
Income from current assets751€208k€247k▲
Other financial income752/9€5k€5k▲
Financial charges65/66B€549k€503k▼
Recurring financial charges65€544k€503k▼
Debt charges650€486k€403k▼
Other financial charges652/9€58k€100k▲
Non-recurring financial charges66B€5k€0▼
Profit (loss) for the period before taxes9903€1.07M€1.46M▲
Income taxes67/77€85k€145k▲
Taxes670/3€85k€145k▲
Tax adjustments and reversals of tax provisions77€0-
Profit (loss) for the period9904€986k€1.32M▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€986k€1.32M▲
Appropriation of the result
Profit (loss) to be appropriated9906€986k€1.32M▲
Transfer to equity691/2€186k€315k▲
To other reserves6921€186k€315k▲
Profit to be distributed694/7€800k€1.00M▲
Directors or managers695€800k€1.00M▲
Social balance
Average headcount (FTE)908721.316.4▼
The notes to these accounts (91 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €986k ▼7.7%
Net result drops to €986k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
25-10
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, Anzegem · 1 establishment unit since 1997
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.
Grote Leiestraat 2018570 AnzegemGround area
2,298 m²
Building footprint
326 m²
Volume, LiDAR
1,419 m³
Parcel 34002A0381/00R002, Flanders · tallest building 11.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PLAN & BOUW NV
since 19972.067.154.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34002A0381/00R002 | Flanders | 2,298 m² | 1 · 326 m² | 11.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 208 EUR awarded · 208 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 208 EUR | 208 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 1,170 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1994
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.