Equity
€72,791 from €159,542 in 2015
Equity fell by 54% in 10 years.
PLANO
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2003peak €83,295 (2015)
-€2,084▼ €20,418
lowest -€9,592 (2025)
-€9,592▼ €19,933
peak €159,542 (2015)
€72,791▼ 11.6%
€40,402▼ 4.4%
Board2 names since 2002
2 directorsKoen De Wever and 1 other
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Gross margin from €18,334 to -€2,084Loss of €9,592
Key points
from the 2025 annual accountsFilings
22 annual accounts since 2003
The 2024 accounts came 26 days late. The other nine of the last ten were filed on time.
Position in the sector
-€9,592
Lower net result than 86% of companies in other professional activities. Sector median €9,324 · 4,356 companies.
Turnover not published (micro format)
Checked score
93
Excellent
Financially stronger than 47% of micro companies in other professional activities (NACE 74)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 5,430 companies (NACE 74, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €9,592 (financial year 2025)
lowers risk
Liquidity: current ratio 2.15, cash €67,172
Size: total assets €113,194
Equity €72,791 (64.3% 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 74, micro). It does better than 66% of them on solvency, 76% on liquidity, 16% on profitability and 29% on growth.
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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 12,322 companies had the same profile as PLANO has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PLANO itself: 0.1% 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 12,322 companies, not a prediction for PLANO. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.15 (2.18 in 2024), above the usual 1.5. Short-term debt is 35.7% and cash 59.3% of total assets. 35.7% 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 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
26 days late
2023
1 day early
2022
32 days early
2021
4 days early
2020
30 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 74), the median for financial year 2024 was 3 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0477699957
Changes of role: Koen De Wever (director) and Ruth De Wever (director)
Director discharge: Koen De Wever (manager) · Director discharge: Ruth De Wever (manager) · General meeting of 30-12-2023 · Gazette deed
First establishment
Brandweerstraat 9, Denderleeuw
Incorporation
published on 22-06-2002 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PLANO Denderleeuw | €113,194 | -€2,084 | 64.3% | - |
| CITY PC Brussels | €87,295 | -€14,296 | 59.9% | - |
| ARCHIDESIGN Uccle | €92,997 | -€34,126 | 94.7% | - |
| LES PLACHETTES Flobecq | €164,776 | -€3,546 | -79.8% | - |
| Originality Hasselt | €100,915 | -€19,446 | 63.3% | - |
| STUDIO FIFTYFIFTY Waterloo | €97,909 | -€7,805 | 74.9% | - |
| SUPERDAMN. Zwalm | €106,724 | -€22,049 | 39.1% | - |
These companies have the same main activity as PLANO: graphic design and visual communication (NACE 74120). They are comparable in size and age: total assets between €87,300 and €165,000, founded between 1997 and 2012.
Official details
Source: KBO- Status
- Active since 10-06-2002Normal situation
- Activity
- Graphic design and visual communicationNACE 74120and 1 other
- Establishment unit
- 2.100.629.4269470 Denderleeuw, since 11-07-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 12-02-2025
Annual accounts 2025
- €113,194▼ 9.2%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on PLANO
PLANO files the micro format. That format states no turnover. The gross margin fell from €40,360 in 2007 to -€2,084 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PLANO
- What is the company number of PLANO?
- The company number of PLANO is 0477.699.957. The VAT number is the same number with BE in front: BE 0477.699.957.
- Where is PLANO based?
- The registered office is at Brandweerstraat 9, 9470 Denderleeuw.Company details
- What does PLANO do?
- According to the KBO register, the main activity is graphic design and visual communication (NACE 74120).
- What is the legal form of PLANO?
- PLANO is a private limited company (BV).
- When was PLANO founded?
- PLANO was founded on 10-06-2002.
- Is PLANO still active?
- Yes, PLANO is an active enterprise in the KBO register.
- What is the turnover of PLANO?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is PLANO profitable?
- In financial year 2025, PLANO made a loss of €9,592.
- Where can I find the annual accounts of PLANO?
- PLANO filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PLANO due?
- PLANO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.