PLUMA ENGINEERING
ActivePLUMA ENGINEERING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €-41k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-33
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.93 against 4.58 in 2024; short-term debt: 12.8% and cash: 1.2% of total assets), and 13.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 · 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 2025Solvency, return and age of the figures
Solvency
86.9%
Return on assets
-34.2%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-41k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
2 d late
2022
9 d late
2021
30 d late
2020
on the day
2019
20 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 28.2%
2024 · €146k
2018: €151k
2019: €201k
2020: €230k
2021: €181k
2022: €159k
2023: €151k
2024: €146k
2018 → 2025
Total assets
€121k▼ 35.7%
2024 · €188k
2018: €571k
2019: €312k
2020: €250k
2021: €183k
2022: €170k
2023: €174k
2024: €188k
2018 → 2025
Net result
€-41k▼ 749%
2024 · €-5k
2018: €40k
2019: €49k
2020: €29k
2021: €-49k
2022: €-22k
2023: €-8k
2024: €-5k
2018 → 2025
Working capital
€92k▼ 30.2%
2024 · €132k
2018: €166k
2019: €283k
2020: €230k
2021: €181k
2022: €144k
2023: €140k
2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€159k▼ 12.4%€151k▼ 4.7%€146k▼ 3.2%€105k▼ 28.2%
Operating result€-45k-€-22k▲ 51.0%€-7k▲ 66.9%€-4k▲ 50.5%€-37k▼ 928%
Net result€-49k-€-22k▲ 54.2%€-8k▲ 66.4%€-5k▲ 35.4%€-41k▼ 749%
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 €37k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€14k▼ 30.9%
Current assets
€107k▼ 36.2%
Equity and liabilities €121k
Equity
€105k▼ 28.2%
Debt
€16k▼ 61.8%
The debt ratio falls from 22.1% to 13.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-31k▼
2024 · €3k
Cash flow
€-35k▼
2024 · €1k
Solvency
86.9%▲
2024 · 77.9%
Current ratio
6.93▲
2024 · 4.58
Quick ratio
6.93▲
2024 · 4.58
Debt / equity
0.15▼
2024 · 0.28
ROE
-39.3%▼
2024 · -3.3%
ROA
-34.2%▼
2024 · -2.6%
Interest coverage
-8.21▼
2024 · 2.13
Debt
€16k▼
2024 · €42k
Debt ≤ 1 year
€15k▼
2024 · €37k
Debt > 1 year
€382▼
2024 · €5k
Income taxes
€107
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€188k€121k▼
Fixed assets21/28€20k€14k▼
Tangible fixed assets22/27€20k€14k▼
Plant, machinery and equipment23€310-
Furniture and vehicles24€16k€12k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€168k€107k▼
Amounts receivable within one year40/41€160k€105k▼
Trade receivables40€31k€14k▼
Other amounts receivable41€129k€91k▼
Cash at bank and in hand54/58€8k€1k▼
Deferred charges and accrued income490/1-€791
Equity and liabilities
Total equity and liabilities10/49€188k€121k▼
Equity10/15€146k€105k▼
Contributions10/11€19k€19k=
Reserves13€128k€121k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€126k€119k▼
Profit (loss) carried forward14-€-34k
Amounts payable17/49€42k€16k▼
Amounts payable after more than one year17€5k€382▼
Financial debts170/4€5k€382▼
Amounts payable within one year42/48€37k€15k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€161€849▲
Suppliers440/4€161€849▲
Taxes, remuneration and social security45€32k€10k▼
Taxes450/3€30k€5k▼
Remuneration and social security454/9€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€759€3k▲
Gross operating margin9900€3k€-28k▼
Operating profit (loss)9901€-4k€-37k▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€-5k€-41k▼
Income taxes67/77-€107
Profit (loss) for the period9904€-5k€-41k▼
Profit (loss) for the period to be appropriated9905€-5k€-41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-41k▼
Transfer from equity791/2€5k€7k▲
The notes to these accounts (5 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
Financial
Weakest financial yearnet €-49k ▼266%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 12current ratio 146.00
Current ratio from 12.59 to 146.00; short-term debt falls from €20k to €1k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
30-09
Financial
Highest result since 2018net €49k ▲22.9%
Operating result €109k, net result €49k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 11.16
Current ratio from 3.63 to 11.16; short-term debt falls from €63k to €28k.
30-09
Financial
Equity above €200kEq €201k ▲32.5%
2 profitable years in a row build equity to €201k.
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tervuren · 1 establishment unit since 2007
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.
Robert Schuitenlaan 263080 TervurenGround area
477 m²
Building footprint
129 m²
Volume, LiDAR
898 m³
Parcel 24114A0112/00D007, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PLUMA
since 20072.167.485.685
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114A0112/00D007 | Flanders | 476 m² | 1 · 129 m² | 10.2 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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BE 0801.139.034
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PBRS
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Lipauflo
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2007
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
55204Guest rooms (bed and breakfast)
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.