PLANBEL
ActiveSummary
The computed 12-month bankruptcy probability of PLANBEL is 12.6% (high). The 2025 annual accounts show negative equity (-€150,571) and a net result of -€130,853. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 4564 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-18
Growth32=
Track record92
Bankruptcy probability, 12 months
12.6%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 1.11 in 2024; short-term debt: 179.3% and cash: 1% of total assets), and equity is negative.
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Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-106.5%
Return on assets
-92.6%
Age of the figures
20 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€150,571
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 25-09-2025, 25 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 · 5 filingsDeviation from the deadline
2026
not confirmed
2025
25 d late
2024
390 d late
2023
29 d late
2022
2 d early
2021
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 107 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€150,571▼ 664%
2024 · -€19,718
Total assets
€141,335▼ 46.5%
2024 · €264,369
Net result
-€130,853▼ 137%
2024 · -€55,128
Working capital
-€116,163
2024 · €26,245
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€3,779-€18,903€38,553▲ 104%-€51,650-€123,646▼ 139%
Net result-€3,795-€10,924€27,281▲ 150%-€55,128-€130,853▼ 137%
Equity-€2,795-€8,129€35,410▲ 336%-€19,718-€150,571▼ 664%
Total assets€162,781-€424,664▲ 161%€233,198▼ 45.1%€264,369▲ 13.4%€141,335▼ 46.5%
Debt€165,575-€416,535▲ 152%€197,789▼ 52.5%€284,086▲ 43.6%€291,906▲ 2.8%
Working capital-€2,795--€3,441▼ 23.1%€28,166€26,245▼ 6.8%-€116,163
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €123,646 in 2025 against €51,650 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141,335
Fixed assets
€4,099 ▼ 27.2%
Current assets
€137,236 ▼ 47.0%
Key figures and ratios
EBITDA
-€121,659▼
2024 · -€46,711
Cash flow
-€128,866▼
2024 · -€50,188
Solvency
-106.5%▼
2024 · -7.5%
Current ratio
0.54▼
2024 · 1.11
Debt to equity
-1.94▲
2024 · -14.41
ROA
-92.6%▼
2024 · -20.9%
Interest coverage
-16.87▼
2024 · -13.39
Debt ≤ 1 year
€253,399▲
2024 · €232,490
Debt > 1 year
€38,507▼
2024 · €51,596
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 12.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €4,772 | €4,326 | €4,939 | €1,987 | ▼ 59.8% |
| Other operating charges640/8 | - | €352 | €699 | €1,052 | - | - |
| Gross operating margin9900 | -€3,779 | €24,028 | €43,578 | -€45,659 | -€121,659 | ▼ 166% |
| Operating profit (loss)9901 | -€3,779 | €18,903 | €38,553 | -€51,650 | -€123,646 | ▼ 139% |
| Financial income75/76B | - | - | €306 | €11 | €5 | ▼ 55.4% |
| Recurring financial income75 | - | - | €306 | €11 | €5 | ▼ 55.4% |
| Financial charges65/66B | - | €6,271 | €4,576 | €3,489 | €7,212 | ▲ 107% |
| Recurring financial charges65 | €16 | €6,271 | €4,576 | €3,489 | €7,212 | ▲ 107% |
| Profit (loss) for the period before taxes9903 | -€3,795 | €12,633 | €34,283 | -€55,128 | -€130,853 | ▼ 137% |
| Income taxes67/77 | - | €1,709 | €7,002 | - | - | - |
| Profit (loss) for the period9904 | -€3,795 | €10,924 | €27,281 | -€55,128 | -€130,853 | ▼ 137% |
| Profit (loss) for the period to be appropriated9905 | -€3,795 | €10,924 | €27,281 | -€55,128 | -€130,853 | ▼ 137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €162,781 | €424,664 | €233,198 | €264,369 | €141,335 | ▼ 46.5% |
| Fixed assets21/28 | - | €11,570 | €7,244 | €5,634 | €4,099 | ▼ 27.2% |
| Tangible fixed assets22/27 | - | €11,207 | €6,881 | €2,371 | €836 | ▼ 64.7% |
| Plant, machinery and equipment23 | - | €1,769 | €1,177 | €905 | €178 | ▼ 80.3% |
| Furniture and vehicles24 | - | €9,439 | €5,704 | €1,466 | €658 | ▼ 55.1% |
| Financial fixed assets28 | - | €363 | €363 | €3,263 | €3,263 | = |
| Current assets29/58 | €162,781 | €413,093 | €225,954 | €258,735 | €137,236 | ▼ 47.0% |
| Amounts receivable within one year40/41 | €118,357 | €379,256 | €210,777 | €258,708 | €135,785 | ▼ 47.5% |
| Trade receivables40 | - | €378,965 | €210,487 | €258,417 | €135,785 | ▼ 47.5% |
| Other amounts receivable41 | - | €291 | €291 | €291 | - | - |
| Cash at bank and in hand54/58 | €44,424 | €33,838 | €15,177 | €27 | €1,451 | ▲ 5,259% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €162,781 | €424,664 | €233,198 | €264,369 | €141,335 | ▼ 46.5% |
| Equity10/15 | -€2,795 | €8,129 | €35,410 | -€19,718 | -€150,571 | ▼ 664% |
| Contributions10/11 | - | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | -€3,795 | €7,129 | €34,410 | -€20,718 | -€151,571 | ▼ 632% |
| Amounts payable17/49 | €165,575 | €416,535 | €197,789 | €284,086 | €291,906 | ▲ 2.8% |
| Amounts payable after more than one year17 | - | - | - | €51,596 | €38,507 | ▼ 25.4% |
| Financial debts170/4 | - | - | - | €51,596 | €38,507 | ▼ 25.4% |
| Amounts payable within one year42/48 | €165,575 | €416,535 | €197,789 | €232,490 | €253,399 | ▲ 9.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €12,411 | €13,089 | ▲ 5.5% |
| Financial debts43 | - | - | - | €26,790 | - | - |
| Credit institutions430/8 | - | - | - | €26,790 | - | - |
| Trade debts44 | €12,963 | €193,860 | €90,583 | €78,695 | €68,853 | ▼ 12.5% |
| Suppliers440/4 | - | €193,860 | €90,583 | €78,695 | €68,853 | ▼ 12.5% |
| Taxes, remuneration and social security45 | - | €43,722 | €52,539 | €42,844 | €4,252 | ▼ 90.1% |
| Taxes450/3 | - | €43,722 | €25,641 | €23,870 | €4,252 | ▼ 82.2% |
| Remuneration and social security454/9 | - | - | €26,898 | €18,974 | - | - |
| Other amounts payable47/48 | - | €178,952 | €54,666 | €71,750 | €167,205 | ▲ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,795 | €10,924 | €27,281 | -€55,128 | -€130,853 | ▼ 137% |
| + Depreciation and write-downs630 | - | €4,772 | €4,326 | €4,939 | €1,987 | ▼ 59.8% |
| Operating cash flow (approximation) | -€3,795 | €15,696 | €31,607 | -€50,188 | -€128,866 | ▼ 157% |
| Investment in fixed assets (approximation) | - | - | €0 | -€3,329 | -€453 | ▲ 86.4% |
| Change in cash | - | -€10,586 | -€18,661 | -€15,150 | €1,424 | ▲ 109% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
18-11
KBO administration
Address struck
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 390 days late
31-01
Financial
Weakest financial yearnet -€130,853
Net result drops to -€130,853, the lowest in the series.
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
31-01
Financial
Highest result since 2021net €27,281 ▲150%
Operating result €38,553, net result €27,281, both a record.
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
Financial
Back to profitnet €10,924
Net result €10,924 after one loss-making year.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 91 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Dilbeek · 1 establishment unit since 2020
Ground area
1.7 ha
Building footprint
3,009 m²
Volume, LiDAR
23,644 m³
2 parcels, Brussels, Flanders · tallest building 37.0 m, ±11 floors. Linked by address, not a title deed.
105
companies at this address
See who is registered here
1 establishment unit
PLANBEL
since 20202.306.466.295
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21618B0265/00Y000 | Brussels | 1.2 ha | 1 · 693 m² | 37.0 m · 11 fl. |
| 23026A0132/00G006 | Flanders | 4,983 m² | 1 · 2,316 m² | - |
Linked by address, not proof of ownership
Good to know
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 21,225 companies in sector 81300 we hold annual accounts for 4,366. 3,479 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-08-2020
Fiscal year end31-01
Activities, NACEBEL 2025
81300Landscape service activities
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43120Site preparation
43350Other building finishing work
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0752788294
Also
9925:BE0752788294
Registered
25-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.