Active BE 0779.318.685Private limited company

VS PLAFONNAGE

Rue Gallo-Romaine 57 ·4040 Herstal, Belgium· 4 yrs active

Sector: Stukadoorswerk (43310)

Conclusion Checked

The computed 12-month bankruptcy probability of VS PLAFONNAGE is 2.8% (moderate). The 2024 annual accounts show equity of €46k and a net result of €3k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 11116 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€46k
Net result	€3k
Staff (FTE)	2.8
Better than sector	83%

Snowflake analysis 5 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 81

Profitability 29

Solvency 85

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.8% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

81 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview3 NBB filings

Annual accounts filed on 19-05-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~17.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	70.5%	40.9%	better than 83% of 11116 sector peers
Net result	€3k	€11k	better than 30% of 11098 sector peers
Equity	€46k	€34k	better than 59% of 11119 sector peers
Gross operating margin	€129k	€35k	better than 87% of 11088 sector peers
Staff costs	€104k	€24k	higher than 84% of 4052 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€19k

-44.4% 22-24

Net profit

€3k

-81.3% 22-24

Cash flow

€14k

-45.5% 22-24

Total assets

€65k

-36.7% 22-24

Equity

€46k

+4.3% 22-24

Working capital

€6k

+211.8% 22-24

Employees (FTE)

3

-6.7% 22-24

Staff costs

€104k

+2.6% 22-24

Income taxes

€3k

-63.3% 22-24

Dividends

€800

0.0% 22-24

Debt

€19k

-67.4% 22-24

Debt ≤ 1y

€19k

-62.0% 22-24

Debt > 1y

€556

-92.2% 22-24

Current ratio

1.31

+26.5% 22-24

Quick ratio

1.31

+26.5% 22-24

Solvency

70.5%

+64.8% 22-24

Debt / equity

0.42

-68.7% 22-24

ROE

5.8%

-82.1% 22-24

ROA

4.1%

-70.5% 22-24

Interest coverage

7.91

-73.2% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€19k
Net profit	€3k
Cash flow	€14k
Staff costs	€104k
Income taxes	€3k
Dividends	€800
Total assets	€65k
Equity	€46k
Debt	€19k
of which ≤ 1y	€19k
of which > 1y	€556
Working capital	€6k
Employees (FTE)	2.8

Ratios (computed)

	2024
Current ratio	1.31
Quick ratio	1.31
Working capital ratio	9.0%
Solvency	70.5%
Debt / equity	0.42
Long-term debt ratio	0.01
Interest coverage	7.91
Gross margin	-
Net margin	-
ROA	4.1%
ROE	5.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €40k · 62.4% Current assets €24k · 37.6%

Equity & liabilities

Equity €46k · 70.5% Debt €19k · 29.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€65k
Fixed assets	21/28	€40k
Intangible fixed assets	21	€35k
Tangible fixed assets	22/27	€5k
Current assets	29/58	€24k
Amounts receivable within one year	40/41	€19k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€65k
Equity	10/15	€46k
Contributions / capital	10/11	€5k
Reserves	13	€41k
Amounts payable	17/49	€19k
Amounts payable after one year	17	€556
Amounts payable within one year	42/48	€19k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€129k
Operating result	9901	€8k
Financial income	75	€17
Financial charges	65	€2k
Result before taxes	9903	€6k
Income taxes	67/77	€3k
Net result for the period	9904	€3k
Result to be appropriated	9905	€3k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

Marie Broca
Director
State Gazette act 25109932 (29-08-2025)

Current
22-04-2025 → present
Gérôme Bloemen
Director
State Gazette act 24168199 (27-11-2024)

Current
27-11-2024 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Stukadoorswerk(43310)
Legal form	Private limited company(610)
Incorporation	23-12-2021
Status	Active
Postal code	4040

Establishment units 1 location

VS PLAFONNAGE

Rue Gallo-Romaine 57, 4040 HerstalIsolatiewerkzaamheden

since 20212.330.768.755

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62313E0656/00F000	Wallonia	110 m²	1 · 36 m²	10.3 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

29-08-2025

State Gazette act Director changes

19-05-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

27-11-2024

State Gazette act Capital & shares

23-05-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

04-05-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgisch Staatsblad, acts 2 acts

Capital history · 1

27-11-2024

Capital change

All acts · 2 updated 11 months ago

2025

29-08-2025 Marie Broca appointed as director Director changes

Marie Broca, Bestuurder

Original publication ↗

Technical details

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2024

27-11-2024 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Stukadoorswerk43310Stukadoorswerk43310Schrijnwerk43320Schrijnwerk43320Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Chapewerken43422Chapewerken43996

Primary activity highlighted.

Names & trade names

Legal nameFR

VS PLAFONNAGE

Registered office

Rue Gallo-Romaine 57

4040 Herstal, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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