PLUSQUAM
ActiveThe computed 12-month bankruptcy probability of PLUSQUAM is 1.5% (moderate). The 2025 annual accounts show equity of €24k and a net result of €23k. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 13091 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+13
Solvency39▼-21
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.83 against 1.11 in 2024; short-term debt: 74.3% and cash: 57.6% of total assets), and 85.7% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
14.3%
Return on assets
13.5%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
51 d early
2023
20 d late
2022
31 d late
2021
25 d late
2020
25 d late
2019
35 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 62.9%
2024 · €65k
2018: €-31k
2019: €-50k
2020: €8k
2021: €43k
2022: €41k
2023: €58k
2024: €65k
2018 → 2025
Total assets
€169k▼ 10.7%
2024 · €190k
2018: €232k
2019: €152k
2020: €146k
2021: €184k
2022: €205k
2023: €209k
2024: €190k
2018 → 2025
Net result
€23k▲ 218%
2024 · €7k
2018: €1k
2019: €-18k
2020: €58k
2021: €36k
2022: €-2k
2023: €17k
2024: €7k
2018 → 2025
Working capital
€-22k
2024 · €9k
2018: €-94k
2019: €-82k
2020: €-30k
2021: €375
2022: €-14k
2023: €572
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€41k▼ 4.1%€58k▲ 41.9%€65k▲ 12.3%€24k▼ 62.9%
Operating result€20k-€3k▼ 86.4%€28k▲ 934%€17k▼ 39.4%€35k▲ 107%
Net result€36k-€-2k€17k€7k▼ 58.2%€23k▲ 218%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 107% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€66k▼ 36.7%
Current assets
€104k▲ 20.8%
Equity and liabilities €169k
Equity
€24k▼ 62.9%
Debt
€145k▲ 16.9%
The debt ratio rises from 65.5% to 85.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€73k▲
2024 · €54k
Cash flow
€61k▲
2024 · €45k
Solvency
14.3%▼
2024 · 34.5%
Current ratio
0.83▼
2024 · 1.11
Quick ratio
0.80▼
2024 · 1.09
Debt / equity
5.97▲
2024 · 1.90
ROE
94.1%▲
2024 · 11.0%
ROA
13.5%▲
2024 · 3.8%
Interest coverage
19.24▲
2024 · 9.41
Debt
€145k▲
2024 · €124k
Debt ≤ 1 year
€126k▲
2024 · €77k
Debt > 1 year
€19k▼
2024 · €47k
Income taxes
€8k▲
2024 · €4k
Staff costs
€71k▼
2024 · €125k
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€190k€169k▼
Fixed assets21/28€104k€66k▼
Tangible fixed assets22/27€104k€66k▼
Plant, machinery and equipment23€23k€15k▼
Furniture and vehicles24€40k€26k▼
Other tangible fixed assets26€41k€24k▼
Current assets29/58€86k€104k▲
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€7k€2k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€77k€98k▲
Equity and liabilities
Total equity and liabilities10/49€190k€169k▼
Equity10/15€65k€24k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€47k€6k▼
Amounts payable17/49€124k€145k▲
Amounts payable after more than one year17€47k€19k▼
Financial debts170/4€47k€19k▼
Amounts payable within one year42/48€77k€126k▲
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€17k€31k▲
Suppliers440/4€17k€31k▲
Taxes, remuneration and social security45€33k€33k▲
Taxes450/3€28k€30k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€48€34k▲
Accrued charges and deferred income492/3-€66
Income statement
Code20242025
Remuneration, social security and pensions62€125k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€182k€147k▼
Operating profit (loss)9901€17k€35k▲
Financial income75/76B€322€325▲
Recurring financial income75€322€325▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Non-recurring financial charges66B€104€80▼
Profit (loss) for the period before taxes9903€11k€31k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€7k€23k▲
Profit (loss) for the period to be appropriated9905€7k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€70k▲
Profit (loss) brought forward from the previous period14P€40k€47k▲
Profit to be distributed694/7-€64k
Return on contributions (dividend)694-€64k
The notes to these accounts (8 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.00
Current ratio from 0.46 to 1.00.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Weakest financial yearnet €-18k ▼1801%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Koksijde · 1 establishment unit since 2015
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.
Oostendelaan(Kok) 18670 KoksijdeGround area
183 m²
Building footprint
157 m²
Volume, LiDAR
2,496 m³
Parcel 38014D0016/00C000, Flanders · tallest building 24.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Boîte
since 20152.237.920.751
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014D0016/00C000 | Flanders | 183 m² | 1 · 157 m² | 24.6 m · 7 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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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2014
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.