PLUMCO
ActivePLUMCO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €581. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 33% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-15
Solvency57▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 2.17 in 2024; short-term debt: 67% and cash: 10.5% of total assets), and 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
32.1%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
120 d late
2023
61 d late
2022
70 d late
2021
134 d late
2020
61 d late
2019
122 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€129k▲ 0.5%
2024 · €128k
2018: €122k
2019: €125k
2020: €122k
2021: €123k
2022: €126k
2023: €127k
2024: €128k
2018 → 2025
Total assets
€401k▲ 68.9%
2024 · €237k
2018: €290k
2019: €291k
2020: €354k
2021: €291k
2022: €244k
2023: €264k
2024: €237k
2018 → 2025
Net result
€581▼ 15.6%
2024 · €688
2018: €2k
2019: €2k
2020: €-2k
2021: €764
2022: €3k
2023: €886
2024: €688
2018 → 2025
Working capital
€125k▲ 0.8%
2024 · €124k
2018: €130k
2019: €117k
2020: €107k
2021: €115k
2022: €115k
2023: €118k
2024: €124k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€126k▲ 2.7%€127k▲ 0.7%€128k▲ 0.5%€129k▲ 0.5%
Operating result€8k-€5k▼ 42.4%€2k▼ 57.1%€2k▲ 8.1%€2k▼ 8.9%
Net result€764-€3k▲ 327%€886▼ 72.9%€688▼ 22.3%€581▼ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €401k
Fixed assets
€7k▼ 4.7%
Current assets
€394k▲ 71.4%
Equity and liabilities €401k
Equity
€129k▲ 0.5%
Debt
€272k▲ 149%
The debt ratio rises from 46.1% to 67.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €9k
Cash flow
€3k▼
2024 · €8k
Solvency
32.1%▼
2024 · 53.9%
Current ratio
1.46▼
2024 · 2.17
Quick ratio
1.29▼
2024 · 1.73
Debt / equity
2.12▲
2024 · 0.85
ROE
0.5%▼
2024 · 0.5%
ROA
0.1%▼
2024 · 0.3%
Interest coverage
4.17▼
2024 · 7.68
Debt
€272k▲
2024 · €109k
Debt ≤ 1 year
€269k▲
2024 · €106k
Debt > 1 year
€4k=
2024 · €4k
Income taxes
€576▲
2024 · €428
Staff costs
€115
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€237k€401k▲
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€8k€7k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€1k€3k▲
Leasing and similar rights25€802€0▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€99€99=
Current assets29/58€230k€394k▲
Stocks and contracts in progress3€47k€47k=
Stocks30/36€47k€47k=
Contracts in progress37€0-
Amounts receivable within one year40/41€164k€304k▲
Trade receivables40€30k€101k▲
Other amounts receivable41€134k€203k▲
Current investments50/53€125€125=
Cash at bank and in hand54/58€17k€42k▲
Deferred charges and accrued income490/1€2k€838▼
Equity and liabilities
Total equity and liabilities10/49€237k€401k▲
Equity10/15€128k€129k▲
Contributions10/11€19k€19k=
Reserves13€94k€95k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€92k€93k▲
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€109k€272k▲
Amounts payable after more than one year17€4k€4k=
Financial debts170/4€0-
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€106k€269k▲
Current portion of amounts payable after more than one year42€2k€1k▼
Financial debts43€18€64▲
Credit institutions430/8€18€64▲
Trade debts44€67k€183k▲
Suppliers440/4€67k€183k▲
Taxes, remuneration and social security45€684€25k▲
Taxes450/3€684€25k▲
Other amounts payable47/48€36k€59k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€115
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€11k€7k▼
Operating profit (loss)9901€2k€2k▼
Financial income75/76B€86€259▲
Recurring financial income75€86€259▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€1k€1k▲
Income taxes67/77€428€576▲
Profit (loss) for the period9904€688€581▼
Profit (loss) for the period to be appropriated9905€688€581▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€16k▲
Profit (loss) brought forward from the previous period14P€15k€15k▲
Transfer to equity691/2-€581
To other reserves6921-€581
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Highest result since 2018net €3k ▲327%
Net result €3k, the highest in the series.
12-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 134 days late
2021
31-12
Financial
Back to profitnet €764
Net result €764 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-2k ▼191%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 92 days late
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, Temse · 1 establishment unit since 1998
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.
Hoogkamerstraat 2069140 TemseGround area
632 m²
Building footprint
246 m²
Volume, LiDAR
863 m³
Parcel 46025B0799/00T000, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PLUMCO
since 19982.089.184.416
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0799/00T000 | Flanders | 632 m² | 1 · 246 m² | 4.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 2,120 EUR awarded · 1,371 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 53 EUR | 152 EUR |
| 2024 | 1 | 194 EUR | 95 EUR |
| 2023 | 1 | 0 EUR | 1,124 EUR |
| 2022 | 1 | 1,873 EUR | 0 EUR |
Schemes
Ecologiepremie+
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
5 categoriesPLUMCO BV44489
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B & S
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-10-1998
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
43222Installation of electric heating, air conditioning, cooling and ventilation
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jean-pierre@plumco.be
Phone:38081702