PLAN CONCEPT SERVICE
ActivePLAN CONCEPT SERVICE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €133k. Equity is shrinking by ~5.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 44% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+64
Solvency66▲+66
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.01 in 2023; short-term debt: 56.9% and cash: 35.2% of total assets), and 59% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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 2024Solvency, return and age of the figures
Solvency
41%
Return on assets
166.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
62 d late
2023
on the day
2022
26 d early
2021
on the day
2020
52 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k
2023 · €-99k
2019: €-74k
2020: €-85k
2021: €-94k
2022: €-100k
2023: €-100k
2023: €-99k
2019 → 2024
Total assets
€80k▼ 47.7%
2023 · €153k
2019: €184k
2020: €175k
2021: €168k
2022: €162k
2023: €155k
2023: €153k
2019 → 2024
Net result
€133k▲ 70,631%
2023 · €188
2019: €-7k
2020: €-11k
2021: €-10k
2022: €-6k
2023: €562
2023: €188
2019 → 2024
Working capital
€-9k▲ 94.4%
2023 · €-163k
2019: €-105k
2020: €-120k
2021: €-136k
2022: €-150k
2023: €-158k
2023: €-163k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320232024Trend
Equity€-94k-€-100k▼ 6.0%€-100k▲ 0.6%€-99k▲ 0.2%€33k
Operating result€-2k-€1k€7k▲ 400%€3k▼ 55.5%€152k▲ 4,837%
Net result€-10k-€-6k▲ 42.3%€562€188▼ 66.6%€133k▲ 70,631%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80k
Fixed assets
€44k▼ 71.3%
Current assets
€36k▲ 3,693%
Equity and liabilities €80k
Equity
€33k
Debt
€47k
Debt finances 59.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€153k▲
2023 · €6k
Cash flow
€134k▲
2023 · €3k
Solvency
41.0%▲
2023 · -65.0%
Current ratio
0.80▲
2023 · 0.01
Quick ratio
0.80▲
2023 · 0.01
Debt / equity
1.44▲
2023 · -2.54
ROE
405.4%
ROA
166.1%▲
2023 · 0.1%
Interest coverage
14.43▲
2023 · 2.06
Debt
€47k▼
2023 · €252k
Debt ≤ 1 year
€46k▼
2023 · €164k
Debt > 1 year
€2k▼
2023 · €89k
Income taxes
€8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€153k€80k▼
Fixed assets21/28€152k€44k▼
Tangible fixed assets22/27€152k€44k▼
Land and buildings22€152k€0▼
Plant, machinery and equipment23€267€0▼
Furniture and vehicles24-€44k
Current assets29/58€960€36k▲
Amounts receivable within one year40/41€0€6k▲
Trade receivables40€0€0=
Other amounts receivable41€0€6k▲
Cash at bank and in hand54/58€692€28k▲
Deferred charges and accrued income490/1€268€2k▲
Equity and liabilities
Total equity and liabilities10/49€153k€80k▼
Equity10/15€-99k€33k▲
Contributions10/11€19k€19k=
Reserves13-€14k
Distributable reserves133-€14k
Profit (loss) carried forward14€-118k€0▲
Amounts payable17/49€252k€47k▼
Amounts payable after more than one year17€89k€2k▼
Financial debts170/4€87k€0▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€164k€46k▼
Current portion of amounts payable after more than one year42€15k€0▼
Trade debts44€144€6k▲
Suppliers440/4€144€6k▲
Taxes, remuneration and social security45-€9k
Taxes450/3-€9k
Other amounts payable47/48€149k€31k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A-€145k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€4k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€7k€163k▲
Operating profit (loss)9901€3k€152k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€11k▲
Recurring financial charges65€3k€11k▲
Profit (loss) for the period before taxes9903€188€141k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€188€133k▲
Profit (loss) for the period to be appropriated9905€188€133k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-118k€15k▲
Profit (loss) brought forward from the previous period14P€-118k€-118k▲
Transfer to equity691/2-€14k
To other reserves6921-€14k
Profit to be distributed694/7-€800
Return on contributions (dividend)694-€800
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Highest result since 2019net €133k ▲70631%
Operating result €152k, net result €133k, both a record.
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €562
Net result €562 after 4 loss-making years.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
30-06
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 33 days late
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Genappe · 1 establishment unit since 2009
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.
Rue de Namur 15C1476 GenappeGround area
5,724 m²
Building footprint
253 m²
Volume, LiDAR
1,493 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PLAN CONCEPT SERVICE
since 20092.186.210.645
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25041F0125/00F000 | Wallonia | 4,803 m² | 1 · 106 m² | 8.1 m · 2 fl. |
| 25041F0123/00B000 | Wallonia | 920 m² | 1 · 146 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2009
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.