PLF-Invest

Active

Private limited companyfounded 20242 yrs activeZutendaalweg 72, 3740 Bilzen-Hoeselt, BelgiumKBO/BCE: BE 1012.447.891

PLF-Invest has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.10M and a net result of €-103k. Its solvency ranks better than 50% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability27=

Solvency56▼-5

Growth32

Track record82

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €60k at 30 days only on tighter terms

Liquidity short (current ratio 0.55 against 0.86 in 2024; short-term debt: 5.6% and cash: 0.1% of total assets), and 68.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

31.4%

Return on assets

-2.9%

Age of the figures

9 mo

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

2425

2024 to 2025 · latest year €-103k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

4 d early

2024

20 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€1.10M▼ 8.6%

2024 · €1.21M

2024: €1.21M

2024 → 2025

Total assets

€3.51M▲ 5.6%

2024 · €3.33M

2024: €3.33M

2024 → 2025

Net result

€-103k▼ 13.5%

2024 · €-91k

2024: €-91k

2024 → 2025

Working capital

€-88k▼ 466%

2024 · €-16k

2024: €-16k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€1.21M-€1.10M▼ 8.6%

Operating result€-45k-€-12k▲ 72.5%

Net result€-91k-€-103k▼ 13.5%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €12k in 2025 against €45k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €3.51M

96.9%

Fixed assets €3.41M▲ 5.4%

Current assets €109k▲ 13.6%

Equity and liabilities €3.51M

31.4%

68.6%

Equity €1.10M▼ 8.6%

Debt €2.41M▲ 13.7%

The debt ratio rises from 63.7% to 68.6%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€134k▲

2024 · €70k

Cash flow

€43k▲

2024 · €24k

Solvency

31.4%▼

2024 · 36.3%

Current ratio

0.55▼

2024 · 0.86

Quick ratio

0.09▼

2024 · 0.86

Debt / equity

2.19▲

2024 · 1.76

ROE

-9.4%▼

2024 · -7.6%

ROA

-2.9%▼

2024 · -2.7%

Interest coverage

1.46▲

2024 · 1.40

Debt

€2.41M▲

2024 · €2.12M

Debt ≤ 1 year

€197k▲

2024 · €111k

Debt > 1 year

€2.21M▲

2024 · €2.01M

Income taxes

€0▼

2024 · €77

Staff costs

€41k▼

2024 · €44k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€3.33M€3.51M▲

Fixed assets21/28€3.23M€3.41M▲

Tangible fixed assets22/27€3.23M€3.41M▲

Land and buildings22€3.23M€3.41M▲

Furniture and vehicles24€729€473▼

Current assets29/58€96k€109k▲

Stocks and contracts in progress3-€92k

Stocks30/36-€92k

Amounts receivable within one year40/41€37k€12k▼

Trade receivables40€8k€12k▲

Other amounts receivable41€29k€0▼

Cash at bank and in hand54/58€59k€5k▼

Deferred charges and accrued income490/1€234€0▼

Equity and liabilities

Total equity and liabilities10/49€3.33M€3.51M▲

Equity10/15€1.21M€1.10M▼

Contributions10/11€46k€46k=

Revaluation surpluses12€324k€278k▼

Reserves13€837k€779k▼

Distributable reserves133€837k€779k▼

Amounts payable17/49€2.12M€2.41M▲

Amounts payable after more than one year17€2.01M€2.21M▲

Financial debts170/4€2.01M€2.21M▲

Amounts payable within one year42/48€111k€197k▲

Current portion of amounts payable after more than one year42€85k€112k▲

Trade debts44€12k€21k▲

Suppliers440/4€12k€21k▲

Advances received on contracts in progress46€6k€6k▼

Taxes, remuneration and social security45€3k€4k▲

Taxes450/3€77€0▼

Remuneration and social security454/9€3k€4k▲

Other amounts payable47/48€5k€52k▲

Income statement Code20242025

Non-recurring operating income76A-€0

Remuneration, social security and pensions62€44k€41k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€146k▲

Other operating charges640/8€27k€28k▲

Gross operating margin9900€141k€203k▲

Operating profit (loss)9901€-45k€-12k▲

Financial income75/76B€4k€439▼

Recurring financial income75€1k€439▼

Non-recurring financial income76B€3k-

Financial charges65/66B€50k€91k▲

Recurring financial charges65€50k€91k▲

Profit (loss) for the period before taxes9903€-91k€-103k▼

Income taxes67/77€77€0▼

Profit (loss) for the period9904€-91k€-103k▼

Profit (loss) for the period to be appropriated9905€-91k€-103k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-91k€-103k▼

Transfer from equity791/2€91k€103k▲

Social balance

Average headcount (FTE)90870.50.5=

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

11-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

NBB filing

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, Bilzen-Hoeselt · 1 establishment unit since 2024

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Zutendaalweg 723740 Bilzen-Hoeselt

Ground area

1,527 m²

Building footprint

295 m²

Volume, LiDAR

1,270 m³

Parcel 73056B0120/00L006, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PLF-Invest

Zutendaalweg 72, 3740 Bilzen-HoeseltReal estate development

since 20242.363.272.762

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73056B0120/00L006	Flanders	1,527 m²	1 · 295 m²	7.6 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

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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OIL EXCHANGE NATIONAL-INDEPENDANT OIL COMPANY

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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,774 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-08-2024

Fiscal year end31-12

Activities, NACEBEL

68110Buying and selling of own real estate

68201Renting and operating of own or leased residential real estate, excluding social housing

68121Development of residential building projects

68203Renting and operating of own or leased non-residential real estate, excluding land

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.