PLOEM
ActivePLOEM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.07M and a net result of €242k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 9.79 against 9.69 in 2024; short-term debt: 9.3% and cash: 24.2% of total assets), and 9.3% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
90.7%
Return on assets
20.5%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
21 d early
2023
12 d late
2022
42 d early
2021
19 d early
2020
23 d early
2019
31 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.07M▲ 14.4%
2024 · €934k
2018: €506k
2019: €540k
2020: €656k
2021: €697k
2022: €765k
2023: €745k
2024: €934k
2018 → 2025
Total assets
€1.18M▲ 14.6%
2024 · €1.03M
2018: €626k
2019: €745k
2020: €740k
2021: €778k
2022: €878k
2023: €944k
2024: €1.03M
2018 → 2025
Net result
€242k▲ 27.9%
2024 · €189k
2018: €95k
2019: €107k
2020: €117k
2021: €164k
2022: €168k
2023: €152k
2024: €189k
2018 → 2025
Working capital
€966k▲ 20.6%
2024 · €801k
2018: €490k
2019: €511k
2020: €585k
2021: €613k
2022: €680k
2023: €676k
2024: €801k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€697k-€765k▲ 9.8%€745k▼ 2.6%€934k▲ 25.4%€1.07M▲ 14.4%
Operating result€233k-€237k▲ 1.5%€209k▼ 11.9%€254k▲ 21.9%€344k▲ 35.1%
Net result€164k-€168k▲ 2.4%€152k▼ 9.3%€189k▲ 24.3%€242k▲ 27.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€103k▼ 24.1%
Current assets
€1.08M▲ 20.5%
Equity and liabilities €1.18M
Equity
€1.07M▲ 14.4%
Debt
€110k▲ 16.0%
The debt ratio rises from 9.2% to 9.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€386k▲
2024 · €290k
Cash flow
€284k▲
2024 · €225k
Solvency
90.7%▼
2024 · 90.8%
Current ratio
9.79▲
2024 · 9.69
Quick ratio
9.13▲
2024 · 8.94
Debt / equity
0.10▲
2024 · 0.10
ROE
22.6%▲
2024 · 20.2%
ROA
20.5%▲
2024 · 18.4%
Interest coverage
129.20▼
2024 · 183.36
Debt
€110k▲
2024 · €95k
Debt ≤ 1 year
€110k▲
2024 · €92k
Income taxes
€109k▲
2024 · €79k
Staff costs
€134k▲
2024 · €107k
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€1.03M€1.18M▲
Fixed assets21/28€136k€103k▼
Tangible fixed assets22/27€136k€103k▼
Plant, machinery and equipment23€19k€11k▼
Furniture and vehicles24€88k€65k▼
Other tangible fixed assets26€29k€28k▼
Financial fixed assets28€363€363=
Current assets29/58€893k€1.08M▲
Stocks and contracts in progress3€69k€73k▲
Stocks30/36€69k€73k▲
Amounts receivable within one year40/41€60k€63k▲
Trade receivables40€30k€23k▼
Other amounts receivable41€30k€40k▲
Current investments50/53€350k€650k▲
Cash at bank and in hand54/58€404k€285k▼
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.18M▲
Equity10/15€934k€1.07M▲
Contributions10/11€25k€25k=
Reserves13€909k€1.04M▲
Distributable reserves133€909k€1.04M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€95k€110k▲
Amounts payable within one year42/48€92k€110k▲
Trade debts44€55k€53k▼
Suppliers440/4€55k€53k▼
Advances received on contracts in progress46-€288
Taxes, remuneration and social security45€37k€56k▲
Taxes450/3€25k€31k▲
Remuneration and social security454/9€12k€24k▲
Other amounts payable47/48€587€815▲
Accrued charges and deferred income492/3€3k€68▼
Income statement
Code20242025
Non-recurring operating income76A€21k€0▼
Remuneration, social security and pensions62€107k€134k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€42k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-20k€0▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€380k€522k▲
Operating profit (loss)9901€254k€344k▲
Financial income75/76B€16k€10k▼
Recurring financial income75€16k€10k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€268k€350k▲
Income taxes67/77€79k€109k▲
Profit (loss) for the period9904€189k€242k▲
Profit (loss) for the period to be appropriated9905€189k€242k▲
Appropriation of the result
Profit (loss) to be appropriated9906€189k€242k▲
Transfer from equity791/2€0€107k▲
Transfer to equity691/2€189k€242k▲
To other reserves6921€189k€242k▲
Profit to be distributed694/7€0€107k▲
Return on contributions (dividend)694€0€107k▲
Social balance
Average headcount (FTE)90871.81.8=
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €242k ▲27.9%
Operating result €344k, net result €242k, both a record.
31-12
Financial
Equity above €1MEq €1.07M ▲14.4%
8 profitable years in a row build equity to €1.07M.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 9.69
Current ratio from 4.45 to 9.69; short-term debt falls from €196k to €92k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 12 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pelt · 2 establishment units since 2000
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.
Dorpsstraat 443900 PeltGround area
1,421 m²
Building footprint
447 m²
Volume, LiDAR
2,695 m³
2 parcels, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
PLOEM BV
since 20002.097.391.408
Ploem Lapperre Willem II-straat
since 20262.387.406.362
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029B0426/00B002 | Flanders | 1,213 m² | 1 · 287 m² | 8.6 m · 2 fl. |
| 72029A0266/00C002 | Flanders | 208 m² | 1 · 160 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 1,070 companies in sector 47741 we hold annual accounts for 644. 368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2000
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
23150Manufacture of other non-metallic mineral products
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.