PLURALE OFFICE
ActiveThe computed 12-month bankruptcy probability of PLURALE OFFICE is 1.5% (moderate). The 2025 annual accounts show equity of €472k and a net result of €-17k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 4472 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-57
Solvency49▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.78 in 2024), and 65.9% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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
34 d late
2024
55 d late
2023
44 d late
2022
57 d late
2021
61 d late
2020
71 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k
2024 · €56k
2018: €306k
2019: €-47k
2020: €-13k
2021: €-28k
2022: €-21k
2023: €-32k
2024: €56k
2018 → 2025
Working capital
€-183k▼ 10.3%
2024 · €-166k
2018: €-247k
2019: €-315k
2020: €-328k
2021: €-334k
2022: €-317k
2023: €-324k
2024: €-166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€486k-€465k▼ 4.4%€433k▼ 6.8%€489k▲ 12.9%€472k▼ 3.4%
Operating result€-22k-€-17k▲ 23.4%€-27k▼ 56.7%€69k€-11k
Net result€-28k-€-21k▲ 24.6%€-32k▼ 48.6%€56k€-17k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €69k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€795k▼ 2.7%
Current assets
€589k▼ 1.4%
Equity and liabilities €1.38M
Equity
€472k▼ 3.4%
Provisions
€22k=
Debt
€890k▼ 1.5%
The debt ratio rises from 63.9% to 64.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€7k▼
2024 · €87k
Cash flow
€2k▼
2024 · €73k
Solvency
34.1%▼
2024 · 34.6%
Current ratio
0.76▼
2024 · 0.78
Quick ratio
0.76▼
2024 · 0.78
Debt / equity
1.88▲
2024 · 1.85
ROE
-3.5%▼
2024 · 11.4%
ROA
-1.2%▼
2024 · 3.9%
Interest coverage
1.75▼
2024 · 19.31
Debt
€890k▼
2024 · €903k
Debt ≤ 1 year
€773k▲
2024 · €764k
Debt > 1 year
€117k▼
2024 · €140k
Income taxes
€1k▼
2024 · €9k
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€1.41M€1.38M▼
Fixed assets21/28€817k€795k▼
Tangible fixed assets22/27€817k€795k▼
Land and buildings22€781k€758k▼
Plant, machinery and equipment23€27k€31k▲
Furniture and vehicles24€9k€7k▼
Current assets29/58€597k€589k▼
Amounts receivable within one year40/41€576k€581k▲
Trade receivables40€1k€1k=
Other amounts receivable41€575k€580k▲
Current investments50/53€19k€7k▼
Cash at bank and in hand54/58€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.41M€1.38M▼
Equity10/15€489k€472k▼
Contributions10/11€25k€25k=
Revaluation surpluses12€270k€270k=
Reserves13€290k€273k▼
Tax-exempt reserves132€290k€273k▼
Profit (loss) carried forward14€-96k€-95k▲
Provisions and deferred taxes16€22k€22k=
Provisions for liabilities and charges160/5€22k€22k=
Major repairs and maintenance162€22k€22k=
Amounts payable17/49€903k€890k▼
Amounts payable after more than one year17€140k€117k▼
Financial debts170/4€140k€117k▼
Amounts payable within one year42/48€764k€773k▲
Current portion of amounts payable after more than one year42€23k€22k▼
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Advances received on contracts in progress46€3k€3k▼
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€353€78▼
Other amounts payable47/48€723k€723k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€22k€0▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€115k€13k▼
Operating profit (loss)9901€69k€-11k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€64k€-15k▼
Income taxes67/77€9k€1k▼
Profit (loss) for the period9904€56k€-17k▼
Transfer from tax-exempt reserves789€57k€17k▼
Profit (loss) for the period to be appropriated9905€113k€563▼
Appropriation of the result
Profit (loss) to be appropriated9906€-96k€-95k▲
Profit (loss) brought forward from the previous period14P€-209k€-96k▲
The notes to these accounts (15 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
10-08
State Gazette act
Purpose · Statutes amendmentGeneral meeting · Purpose change · Corporate purpose4 facts ▸
State Gazette act
Purpose · Statutes amendment
General meeting · Purpose change · Corporate purpose4 facts ▸
- General meeting, 06/08/2026
- Purpose change, La société a pour objet, tant pour elle-même que pour le compte de tiers, seule ou en participation avec qui que ce soit, tant en Belgique qu'à l'étranger : 1)…
- Corporate purpose, La société a pour objet, tant pour elle-même que pour le compte de tiers, seule ou en participation avec qui que ce soit, tant en Belgique qu'à l'étranger : 1)…
- Statutes amendment
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Back to profitnet €56k
Net result €56k after 5 loss-making years.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
10-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 71 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-47k ▼115%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
04-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 96 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 85 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1988
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.
Lutherstraat 221000 BrusselGround area
397 m²
Building footprint
128 m²
Volume, LiDAR
1,706 m³
Parcel 21806F0035/00V010, Brussels · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PLURALE OFFICES P&O
since 19882.041.124.874
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0035/00V010 | Brussels | 397 m² | 1 · 128 m² | 17.9 m · 5 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.
Similar companies · same sector, comparable size
AXE - IMMO
BE 0478.201.882
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Schollaert
BE 0804.458.513
Gent · Eq €471k
CONVOI Belgium
BE 0760.676.176
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CHER TRANS
BE 0862.438.480
Blankenberge · Eq €460k
LIMO J.C.
BE 0419.342.579
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Of 988 companies in sector 49420 we hold annual accounts for 446. 261 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-1988
Fiscal year end31-12
Activities, NACEBEL
49420Removal services
70200Business and other management consultancy
70220Business consulting
74142
49410Freight transport by road
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.