Equity
€168,754 ▲ 8.6%
4Value paid out €833 in dividends. That is 6% of the 2025 profit.
4Value
Lifetime
2 annual accounts with figures on one time axispeak €273,645 (2024)
€73,250▼ 73.2%
peak €155,233 (2024)
€14,186▼ 90.9%
peak €168,754 (2025)
€168,754▲ 8.6%
€183,630▼ 0.2%
Board1 name since 2023
1 directorVAN LOOCK Philippe
Documentsfilings and deeds
20-02-2026161 days before the deadline
2025micro format
Gross margin from €273,645 to €73,250Result from €155,233 to €14,186Dividend €833Investments €91,578
Key points
from the 2025 annual accountsResult
€14,186 ▼ 90.9%
The result fell in 2025 from €155,233 to €14,186.
Turnover
≈ €150,000 estimated
The micro format states no turnover.
Investments
€91,578 2.2 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.32 was 3.06 in 2024
Short-term debts rose from €43,552 to €73,206.
Starting capital
€25,000 100 shares
Checked score
94
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.5%▲ +0.1 percentage points vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.6%▲ +0.1 percentage points vs 04-2025highest value
06-2025: < 0.1%▼ -0.6 percentage points vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 1.32, cash €73,983
Size: total assets €352,383
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 44% of them on solvency, 62% on liquidity, 38% on profitability and 55% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,546 companies had the same profile as 4Value has now. Each dot stands for 7 companies, two years later.
94.2%
were still trading
3.2%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of 4Value itself is lower: < 0.1% within 12 months. It rests on far more data about 4Value than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for 4Value. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32 (3.06 in 2024), below the usual 1.5. Short-term debt is 20.8% and cash 21% of total assets. 52.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 20-02-2026, 161 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
161 days early
2024
76 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 119 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0802634121
Incorporation
Founding capital of €25,000, 100 shares, €1,000 paid up · Founder: VAN LOOCK Philippe · Appointment: VAN LOOCK Philippe (director) · published on 14-06-2023 · Gazette deed
First establishment
Kraaienbroekstraat 8, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 4Value Dilbeek | €352,383 | €73,250 | 47.9% | - |
| LC PERFORMANCE Kampenhout | €302,475 | €77,720 | 24.4% | - |
| ERD CONSULT Wezembeek-Oppem | €362,496 | €82,207 | 91.4% | - |
| Nizu Consulting Kortenberg | €296,479 | €68,019 | 42.1% | - |
| PIVERT CONSULT Sint-Genesius-Rode | €313,803 | €61,130 | 44.0% | - |
| DE SY LASERWERKEN Assenede | €372,135 | €73,312 | 26.6% | - |
| Konroad Concept Hoogstraten | €333,468 | €74,705 | 86.7% | - |
These companies have the same main activity as 4Value: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €296,000 and €372,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 12-06-2023Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.346.164.1401700 Dilbeek, since 12-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- €352,383▲ 3.8%
- Filing
- Filed on 20-02-2026, 161 days before the end of the filing period
Insights on 4Value
4Value has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168,754 and a net result of €14,186.
Its solvency ranks better than 43% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 4Value
- What is the company number of 4Value?
- The company number of 4Value is 0802.634.121. The VAT number is the same number with BE in front: BE 0802.634.121.
- Where is 4Value based?
- The registered office is at Kraaienbroekstraat 8, 1700 Dilbeek.Company details
- What does 4Value do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of 4Value?
- 4Value is a private limited company (BV).
- When was 4Value founded?
- 4Value was founded on 12-06-2023.
- Is 4Value still active?
- Yes, 4Value is an active enterprise in the KBO register.
- What is the turnover of 4Value?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €73,250 and 120 comparable companies (NACE 70200). It probably lies between €110,000 and €190,000.Financials
- Is 4Value profitable?
- In financial year 2025, 4Value made a profit of €14,186.
- Where can I find the annual accounts of 4Value?
- 4Value filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 4Value due?
- 4Value must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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