THEPLANNER.BE
ActiveTHEPLANNER.BE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6k and a net result of €1k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 31% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▲+56
Solvency61▲+10
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.56 against 1.35 in 2023; short-term debt: 64.1% and cash: 0% of total assets), but 64.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 2024Solvency, return and age of the figures
Solvency
35.9%
Return on assets
7.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-12-2025, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
131 d late
2023
110 d late
2022
on the day
2021
5 d late
2020
2 d early
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€6k▲ 26.1%
2023 · €5k
2018: €7k
2019: €-541
2020: €6k
2021: €16k
2022: €12k
2023: €5k
2018 → 2024
Total assets
€16k▼ 8.1%
2023 · €18k
2018: €17k
2019: €11k
2020: €19k
2021: €32k
2022: €15k
2023: €18k
2018 → 2024
Net result
€1k
2023 · €-7k
2018: €9k
2019: €-7k
2020: €7k
2021: €10k
2022: €-5k
2023: €-7k
2018 → 2024
Working capital
€6k▲ 26.1%
2023 · €5k
2018: €6k
2019: €814
2020: €6k
2021: €16k
2022: €12k
2023: €5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€6k-€16k▲ 162%€12k▼ 27.7%€5k▼ 60.9%€6k▲ 26.1%
Operating result€7k-€10k▲ 47.3%€-5k€-7k▼ 42.5%€2k
Net result€7k-€10k▲ 49.0%€-5k€-7k▼ 59.1%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €2k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €16k
Equity
€6k▲ 26.1%
Debt
€10k▼ 20.2%
The debt ratio falls from 73.9% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
35.9%▲
2023 · 26.1%
Current ratio
1.56▲
2023 · 1.35
Quick ratio
1.56▲
2023 · 1.35
Debt / equity
1.79▼
2023 · 2.83
ROE
20.7%▲
2023 · -155.6%
ROA
7.4%▲
2023 · -40.7%
Debt
€10k▼
2023 · €13k
Debt ≤ 1 year
€10k▼
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€18k€16k▼
Current assets29/58€18k€16k▼
Amounts receivable within one year40/41€18k€16k▼
Trade receivables40€8k€12k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58-€3
Equity and liabilities
Total equity and liabilities10/49€18k€16k▼
Equity10/15€5k€6k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-16k€-15k▲
Amounts payable17/49€13k€10k▼
Amounts payable within one year42/48€13k€10k▼
Financial debts43€3k€2k▼
Credit institutions430/8€3k€2k▼
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€98€685▲
Taxes450/3€98€685▲
Other amounts payable47/48€1k€1k▼
Income statement
Code20232024
Other operating charges640/8€200-
Gross operating margin9900€-7k€2k▲
Operating profit (loss)9901€-7k€2k▲
Financial income75/76B€318€266▼
Recurring financial income75€318€266▼
Financial charges65/66B€744€810▲
Recurring financial charges65€744€810▲
Profit (loss) for the period before taxes9903€-7k€1k▲
Profit (loss) for the period9904€-7k€1k▲
Profit (loss) for the period to be appropriated9905€-7k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-15k▲
Profit (loss) brought forward from the previous period14P€-9k€-16k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 131 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
18-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 110 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.48
Current ratio from 2.05 to 4.48; short-term debt falls from €15k to €3k.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Highest result since 2018net €10k ▲49%
Operating result €10k, net result €10k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼186%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Merelbeke-Melle · 1 establishment unit since 2005
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.
Leonce Volckaertdreef 89820 Merelbeke-MelleGround area
1,208 m²
Building footprint
223 m²
Volume, LiDAR
800 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
THEPLANNER.be
since 20052.150.484.753
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412C0543/00F000 | Flanders | 895 m² | 1 · 137 m² | 9.0 m · 2 fl. |
| 44808H0294/00P002 | Flanders | 313 m² | 1 · 86 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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TREMA 2010
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 17,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-11-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
58110Book publishing
90201Performing arts by independent artists
92311
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.