PLANNER
ActiveSummary
PLANNER has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-7k) and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-51
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 2025Age of the figures
Age of the figures
9 mo
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
61 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
89 d late
2019
91 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €3k
2018: €24khighest in 8 years
2019: €11k▼ -54.5% vs 2018
2020: €9k▼ -20.0% vs 2019
2021: €22k▲ +151% vs 2020
2022: €10k▼ -56.6% vs 2021
2023: €22k▲ +124% vs 2022
2024: €3k▼ -87.1% vs 2023
2025: €-7k▼ -361% vs 2024lowest in 8 years
2018 → 2025
Total assets
€4k▼ 65.3%
2024 · €11k
2018: €115khighest in 8 years
2019: €88k▼ -23.8% vs 2018
2020: €52k▼ -40.3% vs 2019
2021: €58k▲ +9.6% vs 2020
2022: €35k▼ -38.8% vs 2021
2023: €28k▼ -19.3% vs 2022
2024: €11k▼ -62.4% vs 2023
2025: €4k▼ -65.3% vs 2024lowest in 8 years
2018 → 2025
Net result
€-10k▲ 46.5%
2024 · €-19k
2018: €12k
2019: €-13k▼ -213% vs 2018
2020: €-2k▲ +83.3% vs 2019
2021: €13k▲ +703% vs 2020highest in 8 years
2022: €-13k▼ -194% vs 2021
2023: €12k▲ +195% vs 2022
2024: €-19k▼ -257% vs 2023lowest in 8 years
2025: €-10k▲ +46.5% vs 2024
2018 → 2025
Working capital
€-7k
2024 · €3k
2018: €22khighest in 8 years
2019: €10k▼ -55.4% vs 2018
2020: €9k▼ -14.1% vs 2019
2021: €22k▲ +159% vs 2020
2022: €10k▼ -56.6% vs 2021
2023: €22k▲ +124% vs 2022
2024: €3k▼ -87.1% vs 2023
2025: €-7k▼ -361% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€10k▼ 56.6%€22k▲ 124%€3k▼ 87.1%€-7k
2021: €22khighest in 5 years
2022: €10k▼ -56.6% vs 2021
2023: €22k▲ +124% vs 2022
2024: €3k▼ -87.1% vs 2023
2025: €-7k▼ -361% vs 2024lowest in 5 years
Operating result€12k-€-14k€12k€-19k€-9k▲ 51.2%
2021: €12k
2022: €-14k▼ -214% vs 2021
2023: €12k▲ +189% vs 2022highest in 5 years
2024: €-19k▼ -254% vs 2023lowest in 5 years
2025: €-9k▲ +51.2% vs 2024
Net result€13k-€-13k€12k€-19k€-10k▲ 46.5%
2021: €13khighest in 5 years
2022: €-13k▼ -194% vs 2021
2023: €12k▲ +195% vs 2022
2024: €-19k▼ -257% vs 2023lowest in 5 years
2025: €-10k▲ +46.5% vs 2024
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 €9k in 2025 against €19k in 2024; the loss shrinks.
Key figures and ratios
Debt
€11k▲
2024 · €8k
Debt ≤ 1 year
€11k▲
2024 · €8k
Income taxes
€238▲
2024 · €233
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11k€4k▼
Current assets29/58€11k€4k▼
Amounts receivable within one year40/41€11k-
Other amounts receivable41€11k-
Cash at bank and in hand54/58€5€4k▲
Equity and liabilities
Total equity and liabilities10/49€11k€4k▼
Equity10/15€3k€-7k▼
Contributions10/11€6k€6k=
Reserves13€16k€16k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€-20k€-30k▼
Amounts payable17/49€8k€11k▲
Amounts payable within one year42/48€8k€11k▲
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9-€5k
Income statement
Code20242025
Other operating charges640/8€546€562▲
Gross operating margin9900€-19k€-9k▲
Operating profit (loss)9901€-19k€-9k▲
Financial income75/76B€972-
Recurring financial income75€972-
Financial charges65/66B€396€473▲
Recurring financial charges65€396€473▲
Profit (loss) for the period before taxes9903€-19k€-10k▲
Income taxes67/77€233€238▲
Profit (loss) for the period9904€-19k€-10k▲
Profit (loss) for the period to be appropriated9905€-19k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-30k▼
Profit (loss) brought forward from the previous period14P€-958€-20k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €278 | - | - | - | - | - |
| Other operating charges640/8 | €483 | €501 | €534 | €546 | €562 | ▲ 3.0% |
| Gross operating margin9900 | €13k | €-13k | €13k | €-19k | €-9k | ▲ 52.8% |
| Operating profit (loss)9901 | €12k | €-14k | €12k | €-19k | €-9k | ▲ 51.2% |
| Financial income75/76B | €3k | €2k | €1k | €972 | - | - |
| Recurring financial income75 | €3k | €2k | €1k | €972 | - | - |
| Financial charges65/66B | €878 | €851 | €423 | €396 | €473 | ▲ 19.5% |
| Recurring financial charges65 | €878 | €851 | €423 | €396 | €473 | ▲ 19.5% |
| Profit (loss) for the period before taxes9903 | €14k | €-12k | €13k | €-19k | €-10k | ▲ 47.1% |
| Income taxes67/77 | €523 | €212 | €1k | €233 | €238 | ▲ 2.1% |
| Profit (loss) for the period9904 | €13k | €-13k | €12k | €-19k | €-10k | ▲ 46.5% |
| Profit (loss) for the period to be appropriated9905 | €13k | €-13k | €12k | €-19k | €-10k | ▲ 46.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58k | €35k | €28k | €11k | €4k | ▼ 65.3% |
| Current assets29/58 | €58k | €35k | €28k | €11k | €4k | ▼ 65.3% |
| Amounts receivable within one year40/41 | €54k | €35k | €27k | €11k | - | - |
| Trade receivables40 | €10k | €7k | €5k | - | - | - |
| Other amounts receivable41 | €44k | €28k | €23k | €11k | - | - |
| Cash at bank and in hand54/58 | €4k | €5 | €1k | €5 | €4k | ▲ 78,568% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58k | €35k | €28k | €11k | €4k | ▼ 65.3% |
| Equity10/15 | €22k | €10k | €22k | €3k | €-7k | ▼ 361% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €16k | €16k | €16k | €16k | €16k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €14k | €14k | €14k | €14k | €14k | = |
| Profit (loss) carried forward14 | €-299 | €-13k | €-958 | €-20k | €-30k | ▼ 50.9% |
| Amounts payable17/49 | €35k | €26k | €7k | €8k | €11k | ▲ 39.2% |
| Amounts payable within one year42/48 | €35k | €26k | €7k | €8k | €11k | ▲ 39.2% |
| Financial debts43 | €4k | €5k | - | €3k | - | - |
| Credit institutions430/8 | €4k | €5k | - | €3k | - | - |
| Trade debts44 | €31k | €20k | €5k | €3k | €4k | ▲ 20.2% |
| Suppliers440/4 | €31k | €20k | €5k | €3k | €4k | ▲ 20.2% |
| Taxes, remuneration and social security45 | €709 | €735 | €2k | €1k | €7k | ▲ 459% |
| Taxes450/3 | €709 | €735 | €2k | €1k | €2k | ▲ 49.8% |
| Remuneration and social security454/9 | - | - | - | - | €5k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €-13k | €12k | €-19k | €-10k | ▲ 46.5% |
| + Depreciation and write-downs630 | €278 | - | - | - | - | - |
| Operating cash flow (approximation) | €14k | €-13k | €12k | €-19k | €-10k | ▲ 46.5% |
| Change in cash | - | €-4k | €1k | €-1k | €4k | ▲ 419% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.16
Current ratio from 1.38 to 4.16; short-term debt falls from €26k to €7k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Geraardsbergen · 1 establishment unit since 1988
Ground area
245 m²
Building footprint
70 m²
Volume, LiDAR
628 m³
Parcel 41043A0215/00R000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BVBA PLANNER
since 19882.040.587.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41043A0215/00R000 | Flanders | 245 m² | 1 · 70 m² | 12.1 m · 3 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.
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 1,434 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 (pre-2019)
Founded30-09-1988
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.