Turnover
≈ €220,000 estimated
The micro format states no turnover.
Plan R
Overview
Lifetime
1 annual account with figurespeak €42,347 (2025)
€42,347
peak €28,125 (2025)
€28,125
peak €33,125 (2025)
€33,125
€22,614
Board2 names since 2024
1 directorVANDYCK Ruben
Documentsfilings and deeds
15-04-202615 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
Checked score
67
Healthy
Financially stronger than 69% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
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 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.9%
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 2.0%▲ +0.1 percentage points vs 12-2025
02-2026: 2.4%▲ +0.4 percentage points vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.7%▲ +0.3 percentage points vs 03-2026
05-2026: 3.0%▲ +0.3 percentage points vs 04-2026
06-2026: 3.0%● unchanged vs 05-2026
07-2026: 2.9%▼ -0.1 percentage points vs 06-2026
08-2026: 2.9%● unchanged vs 07-2026
09-2026: 3.2%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 1.1%▼ -2.1 percentage points vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €55,739
lowers risk
Liquidity: current ratio 2.13, cash €10,299
Equity €33,125 (59.4% of total assets)
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 65% of them on solvency, 50% on liquidity and 92% 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 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 39,278 companies had the same profile as Plan R has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Plan R itself: 1.1% within 12 months.
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 39,278 companies, not a prediction for Plan R. 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
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.13, above the usual 1.5. Short-term debt is 40.6% and cash 18.5% of total assets. 40.6% 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
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-04-2026, 15 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
15 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015124497
Incorporation
Founding capital of €5,000, 100 shares · Founder: VANDYCK Ruben · Appointment: VANDYCK Ruben (director) · published on 17-10-2024 · Gazette deed
First establishment
Toekomststraat 11, Westerlo
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Plan R Westerlo | €55,739 | €42,347 | 59.4% | - |
| Robby Buelens Lint | €55,929 | €37,376 | 35.3% | - |
| Uras Geel | €54,635 | €46,099 | 43.7% | - |
| GRECAPROJECT Steenokkerzeel | €56,415 | €42,325 | 50.9% | - |
| CHAUFFATHERMIX Sint-Pieters-Leeuw | €57,140 | €42,417 | 50.4% | - |
| MDC Solutions Zedelgem | €51,665 | €40,746 | 71.2% | - |
| LEVBI CONSTRUCT Zaventem | €52,192 | €51,628 | 77.6% | - |
These companies have the same main activity as Plan R: plumbing work (NACE 43221). They are comparable in size and age: total assets between €51,700 and €57,100, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 15-10-2024Normal situation
- Activity
- Plumbing workNACE 43221and 5 others
- Establishment unit
- 2.366.091.8012260 Westerlo, since 15-10-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 12-11-2024
Annual accounts to 30-09-2025
- €42,347
- €28,125
- €33,125
- €55,739
- Filing
- Filed on 15-04-2026, 15 days before the end of the filing period
Insights on Plan R
Plan R has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,125 and a net result of €28,125.
Its solvency ranks better than 64% of 35,136 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 15-04-2026, 15 days before the deadline€42,347
€40,386
€28,125
€25,500
59.4%
2.13
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €220,000. Estimated: probably between €150,000 and €300,000.
Balance sheet
balance sheet total €55,739 on 30-09-2025What the company ownsHow it is paid for
Position in the sector
59.4%
Higher than 64% of 35,136 companies in 2025.
2.13
Higher than 57% of 34,510 companies in 2025.
50.5%
Higher than 95% of 34,711 companies in 2025.
Plan R
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
55,739 | |
21/28 |
7,626 | |
22/27 |
7,626 | |
23 |
1,517 | |
24 |
6,109 | |
29/58 |
48,113 | |
3 |
82 | |
30/36 |
82 | |
40/41 |
36,602 | |
40 |
27,498 | |
41 |
9,105 | |
54/58 |
10,299 | |
490/1 |
1,131 | |
| Balance sheet: equity and liabilities | ||
10/49 |
55,739 | |
10/15 |
33,125 | |
10/11 |
5,000 | |
13 |
28,125 | |
133 |
28,125 | |
17/49 |
22,614 | |
42/48 |
22,614 | |
44 |
11,241 | |
440/4 |
11,241 | |
45 |
11,372 | |
450/3 |
11,372 | |
| Income statement | ||
9900 |
42,347 | |
630 |
1,084 | |
640/8 |
877 | |
9901 |
40,386 | |
75/76B |
77 | |
75 |
77 | |
65/66B |
1,002 | |
65 |
1,002 | |
9903 |
39,461 | |
67/77 |
11,335 | |
9904 |
28,125 | |
9905 |
28,125 | |
| Appropriation of the result | ||
9906 |
28,125 | |
691/2 |
28,125 | |
6921 |
28,125 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 15-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 15-04-2026 | 2026-00079952 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 41,470 | ||
| 29,209 | ||
| 20,800 | ||
| 25,500 | ||
| 59.4% | ||
| 2.13 | ||
| 2.12 | ||
| 0.68 | ||
| 84.9% | ||
| 50.5% | ||
| 41.41 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 |
|---|---|
| Tangible fixed assets | €20,800 |
| €1,084 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Plan R
Debt's share of the balance-sheet total is 40.6%.
Board & ownership
Board
1 director, 1 auditor, since incorporationDirector (not named in the articles)
since 15-10-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 15-04-2026
Mandates through the years
2 names, the dashed line is todayVANDYCK Ruben
Director (not named in the articles)
Director (not named in the articles)
Plan R
Statutory auditor
Statutory auditor
Boardmandate already running before its first mention
Mandates as a list
- VANDYCK Ruben
- Director (not named in the articles), from 15-10-2024 to date
- Plan R
- Statutory auditor, since before 30-09-2025
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €331 in 2025
- Source
- deed of 17-10-2024
Articles of association
deed of 17-10-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Een of meer, algemene vergadering bepaalt aantal,duur opdracht en bij meerdere bevoegdheid”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft ten laste overdrager en helft ten laste koper(s),naar evenredigheid verworven aantal bij meerdere kopers,ook bij weigering erfgenaam…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of March at 20:00
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Recht algemene vergadering om vereffenaar(s) aan te duiden,bevoegdheden te omlijnen,vergoeding te bepalen, ontbinding om welke reden en…”
Shareholders
At incorporation
deed of 17-10-2024 ↗
- VANDYCK Ruben 100 shares (100%) · €5,000
Network & group
No group
Plan R has no parent and no holdings in its annual accounts. VANDYCK Ruben is the only director. Plan R shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 15 days before the deadline
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:1015124497
IncorporationFounding capital of €5,000, 100 shares · Founder: VANDYCK Ruben · Appointment: VANDYCK Ruben (director) · published on 17-10-20245 points ▸
- Founder, VANDYCK Ruben
- Founding capital, €5,000, 100 shares
- Registered office clause, Toekomststraat 11, 2260 Westerlo
- Board rule, 1
- Director appointment, VANDYCK Ruben (director (not named in the articles))
- The deed holds 8 more points.
First establishment Toekomststraat 11, Westerlo
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1015.124.497
- VAT number
- BE 1015.124.497
- Peppol ID
- 0208:1015124497
- Other Peppol ID
- 9925:BE1015124497
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 15-10-2024
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of March at 20:00deed of 17-10-2024 (in Dutch)
- Peppol
- Reachable since 12-11-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Plan R in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 17-10-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 17-10-2024 (in Dutch)
Activities
NACEBEL 202543221
Plumbing work main activity
43230
Insulation installation
43320
Joinery installation
43410
Roofing work
Codes under NACEBEL 2008
43221
Plumbing main activity
43291
Specialised construction activities
43320
Joinery installation
43332
Laying of wooden floor and wall coverings
43390
Specialised construction activities
43910
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Schrijnwerkerij; Kleinhandel hout voor bouw en tuin; Groothandel hout voor bouw en tuin; Plaatsen vloer- en wandbekleding; Montage van…”deed of 17-10-2024 (in Dutch)
67 activities
- Schrijnwerkerij
- Kleinhandel hout voor bouw en tuin
- Groothandel hout voor bouw en tuin
- Plaatsen vloer- en wandbekleding
- Montage van serre’s,veranda’s enz in alle materialen
- Installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken,deuren,brandwerende deuren,enz
- Montage van buiten en binnenschrijnwerk in alle materialen
- Handelsbemiddeling in hout en bouwmaterialen
- Bouw van autowegen,straten en andere wegen en paden voor voertuigen en voetgangers(inclusief het plaatsen van vangrails)
- Cateringbedrijf
- Uitbaten van horeca in de meest ruime zin van het woord(café–brasserie–restaurant–motel–hotel,enz)
- Installatie van al dan niet verplaatsbare tussenwanden,de bekleding van wanden,plafonds,enz.,in alle matarialen
- Installatie van binnendeuren,scheidingswanden enz.van glas
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Overige gespecialiseerde bouwwerkzaamheden
- Vloer en tegelwerken
- Rioleringswerken
- Afbraakwerken
- Grondwerken
- Metselwerken
- Dakwerken
- Hekwerk
- Klinkerwerk
- Betonvloeren
- Alsook catering/horeca in de meest ruime zin van het woord(cateringdiensten aan huis–uitbaten restaurant,frituur,brasserie,café–bereide gerechten aan huis leveren of via automaat)
- Verhuur;aan-en verkoop van springkastelen en tenten
- Verwijderen van asbest
- Installaties in gebouwen en andere bouwwerken van loodgieterswerk en sanitair,apparatuur,gasleidingen en aansluitingen met uitzondering van gasleidingen voor verwarmingssystemen,waterleiding,brandblusapparatuur
- Aanleg van waterdistributtienetten en rioleringen
- Bouwrijp maken van terreinen
- Proefboren en boren
- Loodgieterswerk
- Installatie van verwarming,klimaatregeling en ventilatie
- Isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen
- Overige werkzaamheden in het afwerken van gebouwen
- Gevelreiniging
- Landschapsverzorging
- Tuin-en vloerwerken
- Klinker-en chapewerken
- Onderhoud en aanleg van tuinen,parken en het groene gedeelte van sportparken en bedrijvenparken
- Verhuur van roerende goederen(rollend materieel,outillage)
- Aanleggen van verhardingen in allerlei materialen voor parkings,terrassen,binnenpaden,opritten en standplaatsen
- Uitvoeren van grondwerken
- Ruimen van bouwterreinen
- Plaatsen ven vloer-en wandtegels
- Plaatsen van vloerbedekking en wandbekleding
- Het uitgraven van kelders
- Verlaging van het grondwaterpeil en drainage van bouwterreinen
- Drainage van land-en bosbouwgrond
- Ruimen van bouwterreinen
- Grondverzet:graven,ophogen,egaliseren en nivelleren van bouwterreinen,graven van sleuven en geulen,verwijderen van rotsen,grondverzet met behulp van explosieven
- Groot en kleinhandel in tegels,parket,laminaat of andere bouwmaterialen
- Aan-en verkoop van stelling,aan en verkoop alsook verhuur van deze roerende goederen en bouwbeslag-Stellingbouw en stellingverhuur
- Overige gespecialiseerde werkzaamheden in de bouw
- Onderneming voor het monteren van niet-zelfvervaardigde metalen
- Constructiewerken
- Onderneming voor het optrekken en afbreken van steigers en werkplatforms
- Onderneming voor het uitvoeren van voegwerken
- Bouwinstallatie
- Alle bouwactiviteiten niet aan attesten onderworpen,zoals karweiwerken
- Overige adviesbureaus op het gebied van bedrijfsbeheer;adviesbureaus op het gebied van bedrijfsvoering
- Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding,enzovoort
- Het aanleggen,het oordeelkundig uitbouwen,het beheren en verhandelen van een onroerend vermogen. Alle verrichtingen,studies en operaties met betrekking tot onroerende goederen en onroerend zakelijke rechten,zoals de aan-en verkoop,de bouw,de verbouwing,de aanpassing,de binnenhuisinrichting en decoratie,de huur en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken van onroerende goederen of onroerende zakelijke rechten. Dit alles uitsluitend voor eigen rekening,tenzij zou worden voldaan aan de voorwaarden als omschreven in de wetgeving inzake vastgoedmakelaar
- Het beheer van gebouwen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen. Alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan-en verkoop,de huur en verhuur,de ruil en in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen
- Het verwerven en aanhouden van participaties,in eender welke vorm,in alle bestaande of op te richten,industriële,commerciële,financiële,landbouw-of immobiliënvennootschappen of-ondernemingen. Het stimuleren,de planning en coördinatie van de ontwikkeling van de vennootschappen en ondernemingen,waarin ze een participatie aanhoudt. Het deelnemen aan hun beheer,bestuur,vereffening en toezicht alsmede het verlenen van technische,administratieve en financiële bijstand aan deze vennootschappen en ondernemingen
- Het beleggen,het intekenen op,vast overnemen,plaatsen,kopen,verkopen en verhandelen van aandelen,deelbewijzen,obligaties,warrants,certificaten,schuldvorderingen,gelden en andere roerende waarden,uitgegeven door Belgische of buitenlandse ondernemingen al dan niet onder de vorm van handelsvennootschappen,administratiekantoren,instellingen en verenigingen al dan niet onder de vorm van vennootschappen,administratiekantoren,instellingen en verenigingen al dan niet met een(semi)-publiekrechtelijk statuut
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Toekomststraat 11 registered office 2260 Westerlo | 15-10-2024 | 2.366.091.801 |
Buildings and parcels at the address
- Ground area
- 662 m²
- Buildings
- 256 m²
- Volume, LiDAR
- 1,022 m³
- Tallest building
- 8.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13028A0361/00F000 | 662 m² | 1 · 256 m² | 8.6 m · 1 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1015.124.497