PLUI
ActiveSummary
PLUI has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€15,617) and a net result of -€7,936. Its solvency ranks better than 5% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 12-09-2023 Normal situation
- Activity
- Other retail sale of new goods NACE 47789
- Establishment unit
- 2.349.343.265 1910 Kampenhout, since 12-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.3%
- Gross margin
- -€7,358
- ▲ 55.6%
- Loss
- €7,936
- ▼ 55.1%
- Equity
- -€15,617
- ▼ 103%
- Total assets
- €4,056
- ▲ 88.7%
- Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€15,617Founded in 2023lowers riskSize: total assets €4,056Liquidity: current ratio 0.22, cash €1,949Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 6% of them on solvency, 52% on liquidity, 6% on profitability and 5% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 35 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 22-06-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a loss of €7,758, smaller than the loss of €17,518 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them.
Subsidies and aid
Flemish government
2025 · 1 entry · €1,797 awarded · €1,797 paid| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €931 | €400 | ▼ 57.1% |
| Gross operating margin9900 | -€16,586 | -€7,358 | ▲ 55.6% |
| Operating profit (loss)9901 | -€17,518 | -€7,758 | ▲ 55.7% |
| Financial charges65/66B | €164 | €178 | ▲ 8.6% |
| Recurring financial charges65 | €164 | €178 | ▲ 8.6% |
| Profit (loss) for the period before taxes9903 | -€17,681 | -€7,936 | ▲ 55.1% |
| Profit (loss) for the period9904 | -€17,681 | -€7,936 | ▲ 55.1% |
| Profit (loss) for the period to be appropriated9905 | -€17,681 | -€7,936 | ▲ 55.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €2,149 | €4,056 | ▲ 88.7% |
| Current assets29/58 | €2,149 | €4,056 | ▲ 88.7% |
| Amounts receivable within one year40/41 | €170 | €2,107 | ▲ 12× |
| Trade receivables40 | - | €1,909 | - |
| Other amounts receivable41 | €170 | €198 | ▲ 16.3% |
| Cash at bank and in hand54/58 | €1,979 | €1,949 | ▼ 1.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €2,149 | €4,056 | ▲ 88.7% |
| Equity10/15 | -€7,681 | -€15,617 | ▼ 103% |
| Contributions10/11 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€17,681 | -€25,617 | ▼ 44.9% |
| Amounts payable17/49 | €9,831 | €19,673 | ▲ 100% |
| Amounts payable within one year42/48 | €8,309 | €18,103 | ▲ 118% |
| Trade debts44 | €200 | €1,792 | ▲ 796% |
| Suppliers440/4 | €200 | €1,792 | ▲ 796% |
| Other amounts payable47/48 | €8,109 | €16,311 | ▲ 101% |
| Accrued charges and deferred income492/3 | €1,522 | €1,569 | ▲ 3.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€17,681 | -€7,936 | ▲ 55.1% |
| Operating cash flow (approximation) | -€17,681 | -€7,936 | ▲ 55.1% |
| Change in cash | - | -€30 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as PLUI has now. Two years later, 84.8% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PLUI itself is lower: 1.3% within 12 months. It rests on far more data about PLUI than the profile alone.
Test of the method
The method was tested on the 497,446 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 7,639 companies, not a prediction for PLUI. 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.
Board & ownership
Directors
Owners and capital
Shareholders
- PICHALMaarten 5,000 shares (50%) · €5,000
- MARINERoeland 5,000 shares (50%) · €5,000
Capital transactions
- 14-09-2023 Incorporation · €10,000 · 10,000 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| MARINERoeland |
|
| PICHALMaarten |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1”
Articles of association, deed of 14-09-2023 (in Dutch)
Network & group
PLUI shares no director with another company.
Companies at the same address
1 other companyConnections & network
2 current directorsThe network starts from the directors of PLUI. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
14-09
Gazette deed
IncorporationStarting capital €10,000 · Appointments: PICHALMaarten (director) and MARINERoeland (director) · Founder10 points ▸
- Founder, PICHALMaarten
- Founder, MARINERoeland
- Incorporation, “PLUI” (deed in Dutch)
- Founding capital, €10,000
- Bank account, “bijzondererekening, vennootschapinoprichting” (deed in Dutch)
- Other provision, “bevestigingdeponeringaanvangsvermogen, dossiernotaris” (deed in Dutch)
- Other provision, 08-08-2023
- Director appointment, PICHALMaarten (director (not named in the articles))
- Director appointment, MARINERoeland (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en activiteiten voorafgaandelijk door comparanten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
17 activities
- Uitgravenvbouwputtenbetonputtenseptischeputtenprefabkeldersvijversenzwembaden
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- Rioleringswerkzaamhedenenalleswatdaarmeeverbandhoudt
- Grav ophogen egaliserennivellerenbouwterreinen gravensleuvengeulenverwijderenrotsen
- Grondverzet
- Grondverzetmetbehulpvanexplosieven
- Uitvoerenvanhorizontaleboringenvoorleggenkabelsenkanalisaties
- Egalisatie-ennivelleringswerkenopvullenen/ofophogenbouwrijpmakenenverwijderenbeplantingontbossingterreinene npercelenenoverigegrondwerken
- Verlaginggrondwaterpeilendrainagebouwterreinenplaatsendrainagebuizen
- Loodgieterswerkinmeestuitgebreidezinvooraannemersenparticulieren
- Chauffagesinstallateurverwarminginmeestuitgebreidezinzoalsopgasopaardolieopelektriciteitvloerverwarmingkachelsanderevarianten
- Installerengeïntegreerdeverwarmings-ensanitairesystemenincombinatiemetzonnepanelenwarmtepompenklimaatregelingventilatieofandere
- Bijhorendewerkzaamhedenenafwerkingzoalsmetselwerkbetegelen vloerenoprittenleggenanderewerkengebouwen
- Isolatiewerkzaamhedendakwerkenenaannemerswerkzaamheden
- Voorbereidendwerkalsookbouwrijpmakenterreinene ngebouwenalvorenswerkenaan te vattenalsooklateropruimenenreinigennawerkenstortenafvalenbouwmaterialenvoorrecuperatieensortering
- Elektrotechniekaansluiteninstallatiesopelektriciteitcontrolewerkingveiligheidalsookdoorderdenlatencertificeren
- Aannemerswerkzaamhedeninmeestuitgebreidezinzowelvoorparticulierenalsprofessionelenalsinonderaannemingorganisatieplanningenuitvoeringdiversebouwwerkzaamhedenverbouwingenrenovatiesenafwerkingswerkzaamhedenvangebouwenenterreinen
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23055D0249/00K000 | Flanders | 3,897 m² | 1 · 520 m² | 10.7 m · 1 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.