A4Value
ActiveA4Value has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €309k and a net result of €142k. Equity is growing by ~75.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency97▼-3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 3.9 in 2023; short-term debt: 28.1% and cash: 43% of total assets), and 28.1% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
71.9%
Return on assets
33%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-06-2025, 39 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
39 d early
2023
35 d early
2022
6 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€309k▲ 85.0%
2023 · €167k
2022: €55k
2023: €167k
2022 → 2024
Total assets
€429k▲ 94.5%
2023 · €221k
2022: €95k
2023: €221k
2022 → 2024
Net result
€142k▲ 26.9%
2023 · €112k
2022: €50k
2023: €112k
2022 → 2024
Working capital
€306k▲ 95.5%
2023 · €156k
2022: €38k
2023: €156k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€55k-€167k▲ 202%€309k▲ 85.0%
Operating result€70k-€160k▲ 127%€199k▲ 24.1%
Net result€50k-€112k▲ 123%€142k▲ 26.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 24% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €429k
Fixed assets
€3k▼ 73.5%
Current assets
€426k▲ 103%
Equity and liabilities €429k
Equity
€309k▲ 85.0%
Debt
€121k▲ 124%
The debt ratio rises from 24.4% to 28.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€206k▲
2023 · €168k
Cash flow
€149k▲
2023 · €119k
Solvency
71.9%▼
2023 · 75.6%
Current ratio
3.53▼
2023 · 3.90
Quick ratio
3.53▼
2023 · 3.90
Debt / equity
0.39▲
2023 · 0.32
ROE
45.9%▼
2023 · 66.9%
ROA
33.0%▼
2023 · 50.6%
Interest coverage
2333.16▲
2023 · 247.23
Debt
€121k▲
2023 · €54k
Debt ≤ 1 year
€121k▲
2023 · €54k
Income taxes
€62k▲
2023 · €48k
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€221k€429k▲
Fixed assets21/28€10k€3k▼
Tangible fixed assets22/27€10k€3k▼
Furniture and vehicles24€10k€3k▼
Current assets29/58€210k€426k▲
Amounts receivable within one year40/41€33k€21k▼
Trade receivables40€33k€21k▼
Other amounts receivable41-€84
Current investments50/53€149k€220k▲
Cash at bank and in hand54/58€28k€185k▲
Deferred charges and accrued income490/1€364€655▲
Equity and liabilities
Total equity and liabilities10/49€221k€429k▲
Equity10/15€167k€309k▲
Contributions10/11€5k€5k=
Reserves13€162k€304k▲
Distributable reserves133€162k€304k▲
Amounts payable17/49€54k€121k▲
Amounts payable within one year42/48€54k€121k▲
Trade debts44-€66
Suppliers440/4-€66
Taxes, remuneration and social security45€54k€121k▲
Taxes450/3€54k€121k▲
Other amounts payable47/48€200-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€575€585▲
Gross operating margin9900€168k€207k▲
Operating profit (loss)9901€160k€199k▲
Financial income75/76B€52€5k▲
Recurring financial income75€52€5k▲
Financial charges65/66B€679€89▼
Recurring financial charges65€679€89▼
Profit (loss) for the period before taxes9903€160k€204k▲
Income taxes67/77€48k€62k▲
Profit (loss) for the period9904€112k€142k▲
Profit (loss) for the period to be appropriated9905€112k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€142k▲
Transfer to equity691/2€112k€142k▲
To other reserves6921€112k€142k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €142k ▲26.9%
Operating result €199k, net result €142k, both a record.
31-12
Financial
Equity above €200kEq €309k ▲85%
3 profitable years in a row build equity to €309k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €167k ▲202%
2 profitable years in a row build equity to €167k.
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2022
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.
Van der Nootstraat 106A3012 LeuvenGround area
742 m²
Building footprint
174 m²
Volume, LiDAR
958 m³
Parcel 24126C0018/00M000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A4Value
since 20222.327.370.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126C0018/00M000 | Flanders | 741 m² | 1 · 174 m² | 8.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,920 EUR awarded · 1,920 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 30 EUR | 30 EUR |
| 2023 | 1 | 1,485 EUR | 1,485 EUR |
| 2022 | 1 | 405 EUR | 405 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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K & F
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JEAN MULS MANAGEMENT & CONSULTING
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.