PLANIGEST
ActiveSummary
PLANIGEST has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107,003 and a net result of €28,010. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 3241 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+82
Solvency95▲+25
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.35 in 2024; short-term debt: 29% and cash: 15% of total assets), and 30.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
69.8%
Return on assets
18.3%
Age of the figures
9 mo
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
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 31-03-2026, 122 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
122 d early
2024
126 d early
2023
34 d early
2022
124 d early
2021
143 d early
2020
32 d early
2019
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 80 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28,010
2024 · -€16,718
Working capital
€59,280▲ 115%
2024 · €27,603
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€93,002▲ 92.1%€109,220▲ 17.4%€78,730▼ 27.9%-€13,990€35,856
Net result€68,861within the sector's middle half▲ 89.2%€78,720within the sector's middle half▲ 14.3%€56,270within the sector's middle half▼ 28.5%-€16,718below the sector's middle half€28,010within the sector's middle half
Equity€45,721below the sector's middle half▲ 2.5%€39,441below the sector's middle half▼ 13.7%€95,711within the sector's middle half▲ 143%€78,993below the sector's middle half▼ 17.5%€107,003below the sector's middle half▲ 35.5%
Total assets€192,454below the sector's middle half▲ 19.0%€171,326below the sector's middle half▼ 11.0%€133,058below the sector's middle half▼ 22.3%€174,499below the sector's middle half▲ 31.1%€153,337below the sector's middle half▼ 12.1%
Debt€146,733▲ 25.3%€131,885▼ 10.1%€37,347▼ 71.7%€95,505▲ 156%€46,333▼ 51.5%
Working capital€38,501within the sector's middle half▼ 13.5%€20,107within the sector's middle half▼ 47.8%€74,936within the sector's middle half▲ 273%€27,603within the sector's middle half▼ 63.2%€59,280within the sector's middle half▲ 115%
Solvency23.8%within the sector's middle half▼ 3.8pp23.0%within the sector's middle half▼ 0.7pp71.9%within the sector's middle half▲ 48.9pp45.3%within the sector's middle half▼ 26.7pp69.8%within the sector's middle half▲ 24.5pp
Current ratio1.29within the sector's middle half▼ 0.091.15within the sector's middle half▼ 0.143.01within the sector's middle half▲ 1.851.35within the sector's middle half▼ 1.662.33within the sector's middle half▲ 0.99
Return on assets (ROA)35.8%above the sector's middle half▲ 13.3pp45.9%above the sector's middle half▲ 10.2pp42.3%above the sector's middle half▼ 3.7pp-9.6%below the sector's middle half▼ 51.9pp18.3%above the sector's middle half▲ 27.8pp
Staff (FTE)3.3within the sector's middle half▼ 5.7%3within the sector's middle half▼ 9.1%3.1within the sector's middle half▲ 3.3%4.4within the sector's middle half▲ 41.9%4within the sector's middle half▼ 9.1%
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €35,856 after a loss of €13,990 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153,337
Fixed assets
€49,640 ▼ 26.1%
Current assets
€103,697 ▼ 3.4%
Equity and liabilities €153,337
Equity
€107,003 ▲ 35.5%
Debt
€46,333 ▼ 51.5%
Debt's share of the balance-sheet total falls from 54.7% to 30.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53,349▲
2024 · €1,133
Cash flow
€45,503▲
2024 · -€1,594
Debt to equity
0.43▼
2024 · 1.21
ROE
26.2%▲
2024 · -21.2%
Interest coverage
20.27▲
2024 · 0.43
Debt ≤ 1 year
€44,416▼
2024 · €79,762
Debt > 1 year
€1,917▼
2024 · €15,743
Income taxes
€5,214▲
2024 · €66
Staff costs
€181,114▼
2024 · €241,099
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 34,679 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €18,000 | - |
| Remuneration, social security and pensions62 | - | €164,152 | €180,674 | €241,099 | €181,114 | ▼ 24.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,017 | €4,297 | €4,640 | €15,123 | €17,493 | ▲ 15.7% |
| Other operating charges640/8 | - | €577 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €264,916 | €278,246 | €264,428 | €242,619 | €234,862 | ▼ 3.2% |
| Operating profit (loss)9901 | €93,002 | €109,220 | €78,730 | -€13,990 | €35,856 | ▲ 356% |
| Financial charges65/66B | - | €837 | €880 | €2,662 | €2,632 | ▼ 1.1% |
| Recurring financial charges65 | €857 | €837 | €880 | €2,662 | €2,632 | ▼ 1.1% |
| Profit (loss) for the period before taxes9903 | €92,145 | €108,383 | €77,850 | -€16,652 | €33,224 | ▲ 300% |
| Income taxes67/77 | €23,284 | €29,662 | €21,580 | €66 | €5,214 | ▲ 7,841% |
| Profit (loss) for the period9904 | €68,861 | €78,720 | €56,270 | -€16,718 | €28,010 | ▲ 268% |
| Profit (loss) for the period to be appropriated9905 | €68,861 | €78,720 | €56,270 | -€16,718 | €28,010 | ▲ 268% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €192,454 | €171,326 | €133,058 | €174,499 | €153,337 | ▼ 12.1% |
| Fixed assets21/28 | €20,453 | €19,335 | €20,775 | €67,133 | €49,640 | ▼ 26.1% |
| Tangible fixed assets22/27 | €20,337 | €19,219 | €20,660 | €67,017 | €49,524 | ▼ 26.1% |
| Furniture and vehicles24 | - | €16,066 | €11,795 | €59,079 | €42,512 | ▼ 28.0% |
| Other tangible fixed assets26 | - | €3,153 | €8,865 | €7,939 | €7,013 | ▼ 11.7% |
| Financial fixed assets28 | €116 | €116 | €116 | €116 | €116 | = |
| Current assets29/58 | €172,002 | €151,991 | €112,282 | €107,366 | €103,697 | ▼ 3.4% |
| Amounts receivable within one year40/41 | €118,158 | €113,549 | €93,924 | €89,802 | €78,021 | ▼ 13.1% |
| Trade receivables40 | - | €33,211 | €90,504 | €69,989 | €63,235 | ▼ 9.7% |
| Other amounts receivable41 | - | €80,338 | €3,420 | €19,813 | €14,786 | ▼ 25.4% |
| Cash at bank and in hand54/58 | €53,013 | €37,595 | €17,468 | €15,021 | €22,938 | ▲ 52.7% |
| Deferred charges and accrued income490/1 | - | €848 | €891 | €2,543 | €2,738 | ▲ 7.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €192,454 | €171,326 | €133,058 | €174,499 | €153,337 | ▼ 12.1% |
| Equity10/15 | €45,721 | €39,441 | €95,711 | €78,993 | €107,003 | ▲ 35.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €27,121 | €20,841 | €77,111 | €60,393 | €88,403 | ▲ 46.4% |
| Amounts payable17/49 | €146,733 | €131,885 | €37,347 | €95,505 | €46,333 | ▼ 51.5% |
| Amounts payable after more than one year17 | €13,233 | - | - | €15,743 | €1,917 | ▼ 87.8% |
| Financial debts170/4 | - | - | - | €15,743 | €1,917 | ▼ 87.8% |
| Amounts payable within one year42/48 | €133,501 | €131,885 | €37,347 | €79,762 | €44,416 | ▼ 44.3% |
| Current portion of amounts payable after more than one year42 | - | €13,233 | - | €20,867 | €13,826 | ▼ 33.7% |
| Trade debts44 | €8,162 | €2,562 | €13,292 | €23,561 | €6,535 | ▼ 72.3% |
| Suppliers440/4 | - | €2,562 | €13,292 | €23,561 | €6,535 | ▼ 72.3% |
| Taxes, remuneration and social security45 | - | €31,600 | €24,055 | €35,334 | €24,056 | ▼ 31.9% |
| Taxes450/3 | - | €6,208 | - | - | - | - |
| Remuneration and social security454/9 | - | €25,393 | €24,055 | €35,334 | €24,056 | ▼ 31.9% |
| Other amounts payable47/48 | - | €84,490 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,861 | €78,720 | €56,270 | -€16,718 | €28,010 | ▲ 268% |
| + Depreciation and write-downs630 | €1,017 | €4,297 | €4,640 | €15,123 | €17,493 | ▲ 15.7% |
| Operating cash flow (approximation) | €69,878 | €83,018 | €60,909 | -€1,594 | €45,503 | ▲ 2,955% |
| Investment in fixed assets (approximation) | - | -€3,180 | -€6,080 | -€61,481 | €0 | ▲ 100% |
| Change in cash | - | -€15,418 | -€20,127 | -€2,447 | €7,917 | ▲ 424% |
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
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €28,010
Net result €28,010 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €107,003 ▲35.5%
Equity rises from €78,993 to €107,003.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€16,718
Net result drops to -€16,718, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.01
Current ratio from 1.15 to 3.01; short-term debt falls from €131,885 to €37,347.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €78,720 ▲14.3%
Operating result €109,220, net result €78,720, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
Show earlier events
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Seraing · 1 establishment unit since 2011
Ground area
976 m²
Building footprint
231 m²
Volume, LiDAR
1,084 m³
Parcel 62358H0110/00V113, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
Rue Patenier 43, 4100 Seraing
since 20112.200.663.546
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62358H0110/00V113 | Wallonia | 975 m² | 1 · 231 m² | 6.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- PLANI INVEST
- PLANIGEST
Highest known parent: PLANI INVEST. The sources do not say who stands above it.
Owners 1
-
98%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of PLANIGEST and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 40,725 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
Founded05-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0835202860
Registered
08-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.