Johny Schabregs runs an investment scheme from Belgium, asking participants for 40 euros with promises of financial returns. Operating under the name BVBA Create Commerce, PlanB4You's public information about its actual controllers remains scarce.
Domain registrations for PlanB4You point to Schabregs at a Belgian address. His affiliates identify him as the founder and owner in their promotional materials. However, Schabregs' claimed "years of Multi-Level Marketing experience" lack public details. No verifiable history exists for his MLM background.
The scheme involves "click block" positions. Affiliates buy a position for 40 EUR, expecting a 50 EUR return. This payout comes daily at 2 EUR, but only if investors complete a task: clicking on ten company advertisements each day. The system lacks genuine products, resembling pyramid mechanics.
A banner on the PlanB4You website leads to tokojohny.be, promoting Faja Lobi food products. Schabregs reportedly holds a franchise with Faja Lobi and uses the PlanB4You network to market these items. The food company itself has no direct role in the investment scheme. Schabregs uses this as a method to monetize the affiliate base.
The primary money movement occurs through "extra blocks," a binary structure. These blocks also promise 50 EUR returns. But payouts depend on investments from people in an affiliate's downline, not on company-wide pools. Schabregs advertises a 10 percent return rate extending 20 layers deep. Affiliates earn referral commissions when they recruit others. These commissions are paid through the binary structure, starting at 10 percent on level one and decreasing to 0.5 percent by level six. The binary tree extends infinitely, but commissions stop after six levels.
The money for returns does not come from selling products to customers. It comes from recruiting new investors who purchase click blocks and pay for the chance to recruit more people. Each new layer of recruits finances the returns promised to those above them. The daily requirement to view ten advertisements provides a superficial cover. Schabregs can claim it represents compensation for ad engagement. In truth, it acts as busywork, making the operation seem legitimate while investors await their promised returns.
PlanB4You's structure, with its vague operator, unverifiable business history, absence of genuine products, and compensation tied to recruitment, aligns with a pyramid scheme. A position in this system depends entirely on finding new participants willing to make the initial 40 EUR investment.