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A4Value

Active Private limited companyfounded 2022active for 4 yearsVan der Nootstraat 106A, 3012 LeuvenKBO/BCE: BE 0781.482.676

Overview

Lifetime

4 annual accounts with figures on one time axis
peak €254,034 (2025)
€254,034▲ 22.7%
peak €176,926 (2025)
€176,926▲ 24.9%
peak €485,427 (2025)
€485,427▲ 57.4%
€103,725▼ 14.1%
Board2 names since 2022
2 directorsMICHIELS Rudy François and 1 other
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €207,069 to €254,034Equity from €308,501 to €485,427Investments €40,044Cash from €184,617 to €277,491

Key points

from the 2025 annual accounts

Equity

€485,427 ▲ 57.4%
€309,0002024€485,0002025

Equity rose in 2025 from €308,501 to €485,427.

Turnover

≈ €360,000 estimated

The micro format states no turnover.

Investments

€41,667 5.7 × depreciation
202220232025

Green is investment, beige is depreciation.

Liquidity

5.34 was 3.53 in 2024

Short-term debts fell from €120,688 to €103,725.

Filings

4 annual accounts 1 late
AprilJune31 JulyOctober2022202320242025

The 2022 accounts came 6 days late. The other three were filed on time.

Position in the sector

€176,926

Higher net result than 93% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.

Checked score

98
Excellent
Financially stronger than 85% 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 48,570 companies (NACE 70, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%▼ -0.1 percentage points 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 01-2026 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 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value

Financial strength
Strong

100+3equity 82.4% of total assets
95+6short-term debt 17.6% · cash 47.1%
100=return on assets 30.0%

Score breakdown

lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 5.34, cash €277,491
Size: total assets €589,153
Figures for financial year 2025 (filed on 29-06-2026)
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 86% of them on solvency, 89% on liquidity, 84% on profitability and 82% on growth.

The bankruptcy probability was computed on 09-11-2026 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, 3,127 companies had the same profile as A4Value has now. Each dot stands for 8 companies, two years later.

97.2%
were still trading
1.9%
stopped another way
0.8%
went bankrupt
  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

That fits the bankruptcy probability of A4Value itself: < 0.1% within 12 months.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 3,127 companies, not a prediction for A4Value. 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 €45,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 5.34 (3.53 in 2024), above the usual 1.5. Short-term debt is 17.6% and cash 47.1% of total assets. 17.6% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Liquidity: current ratio 5.34, cash €277,491
NBB · annual accounts
lowers risk · Size: total assets €589,153
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-06-2026)
NBB · annual accounts
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 29-06-2026, 32 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
32 days early
2024
39 days early
2023
35 days early
2022
6 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 25 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. The company usually files around 28 June (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Board and ownership

  • VAN DER DONCKT Annemie 100 sharesdeed of 04-02-2022
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0781482676
Incorporation Founding capital of €5,000, 100 shares · Founder: VAN DER DONCKT Annemie · Appointments: VAN DER DONCKT Annemie (director) and MICHIELS Rudy François (director) · published on 04-02-2022 · Gazette deed
First establishment Van der Nootstraat 106A, Leuven
All 10 events

Comparable companies

same main activity, similar in size and age
Company
A4Value Leuven €589,153 €254,034 82.4% -
Manfi Ternat €654,870 €247,427 95.5% -
PDB COMPANY Tienen €684,599 €270,052 0.7% -
DOKRIMA Opwijk €707,327 €239,793 67.2% -
SHI CONSULT Tervuren €741,003 €259,877 80.6% -
RIEN SANS VENT Machelen (Brab.) €684,611 €236,143 29.4% -
NURIO Diest €575,739 €248,087 78.3% -

These companies have the same main activity as A4Value: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €576,000 and €741,000, founded between 2021 and 2022.

Official details

Source: KBO
Status
Active since 02-02-2022Normal situation
Activity
Business and other management consultancyNACE 70200and 3 others
Establishment unit
2.327.370.9833012 Leuven, since 02-02-2022
Financial year end
31 December
Peppol
Reachable since 14-10-2026
Company details

Annual accounts 2025

€254,034▲ 22.7%
€176,926▲ 24.9%
€485,427▲ 57.4%
€589,153▲ 37.3%
Filing
Filed on 29-06-2026, 32 days before the end of the filing period
Financials

Insights on A4Value

A4Value files the micro format. That format states no turnover. The gross margin rose from €77,116 in 2022 to €254,034 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 29-06-2026, 32 days before the deadline
€254,034
▲ 22.7%
€246,177
▲ 23.8%
€176,926
▲ 24.9%
€449,924
▲ 47.2%
82.4%
▲ 10.5 percentage points
5.34
▲ 1.80

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €360,000. Estimated: probably between €300,000 and €640,000.

Balance sheet

balance sheet total €589,153 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

82.4%

Higher than 80% of 39,368 companies in 2025.

5.34

Higher than 80% of 38,051 companies in 2025.

30.0%

Higher than 71% of 38,523 companies in 2025.

A4Value Middle half of the sector 80% of the sector Micro accounts in head offices and management consultancy (NACE 70)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022
Balance sheet: assets
20/58 589,153429,190220,71995,058
21/28 35,5032,76210,42016,964
22/27 35,5032,76210,42016,964
24 32,5742,76210,42016,964
26 2,929---
29/58 553,649426,427210,29978,094
40/41 49,91320,79733,27573,738
40 49,91320,71233,27566,048
41 -84-7,690
50/53 225,857220,358148,858-
54/58 277,491184,61727,8024,000
490/1 389655364355
Balance sheet: equity and liabilities
10/49 589,153429,190220,71995,058
10/15 485,427308,501166,79955,160
10/11 5,0005,0005,0005,000
13 480,427303,501161,79950,160
133 480,427303,501161,79950,160
17/49 103,725120,68853,92139,899
42/48 103,725120,68853,92139,899
44 2866-15
440/4 2866-15
45 103,685120,62353,72139,884
450/3 103,685120,62353,72139,884
47/48 11-200-
Income statement
9900 254,034207,069168,37077,116
630 7,3037,6587,6185,442
640/8 5545855751,215
9901 246,177198,827160,17770,460
75/76B 7,0524,98352281
75 7,0524,98352281
65/66B 908967964
65 908967964
9903 253,140203,721159,55070,677
67/77 76,21462,01847,91120,517
9904 176,926141,703111,63950,160
9905 176,926141,703111,63950,160
Appropriation of the result
9906 176,926141,703111,63950,160
691/2 176,926141,703111,63950,160
6921 176,926141,703111,63950,160
Document PDFPDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 29-06-2026 2026-00214857 PDF
31-12-2024 micro format 22-06-2025 2025-00161509 PDF
31-12-2023 micro format 26-06-2024 2024-00164912 PDF
31-12-2022 micro format 06-08-2023 2023-00315136 PDF

Subsidies and aid

Flemish government 2022 to 2024, 3 entries, €1,920 awarded, €1,920 paid

Year Entries AwardedPaid
2024 1 €30€30
2023 1 €1,485€1,485
2022 1 €405€405

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022
253,480206,484167,79575,902
184,229149,361119,25755,602
41,66701,07422,406
92,873156,81623,801-
449,924305,739156,37838,195
82.4%71.9%75.6%58.0%
5.343.533.901.96
0.210.390.320.72
36.4%45.9%66.9%90.9%
30.0%33.0%50.6%52.8%
over 100over 100over 100over 100

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item2025202420232022
Tangible fixed assets€41,667-€1,074€22,406
€7,303€7,658€7,618€5,442

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on A4Value

The operating result for 2025 is 24% higher than in 2024 and the highest since 2022. It is the third rise in a row.

Debt's share of the balance-sheet total falls from 28.1% to 17.6%. Equity is higher and debt is lower.

Board & ownership

Board

2 directors, since incorporation
Director (not named in the articles)
appointed by deed of 04-02-2022 term without a fixed end
listed in the 2025 annual accounts, filed on 29-06-2026
Director (not named in the articles)
appointed by deed of 04-02-2022 term without a fixed end
listed in the 2025 annual accounts, filed on 29-06-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
MICHIELS Rudy François
Director (not named in the articles)
VAN DER DONCKT Annemie
Director (not named in the articles)
Board
Mandates as a list
  • MICHIELS Rudy François
    • Director (not named in the articles), appointed by deed of 04-02-2022, still in office
  • VAN DER DONCKT Annemie
    • Director (not named in the articles), appointed by deed of 04-02-2022, still in office

See the board, name and registered office on a given date →

Control

This company
A4Value
Equity €485,427
Profit €176,926 in 2025

Capital

Contribution
€5,000
Shares
100
Contribution per share
€50
Equity per share
€4,854 in 2025
Source
deed of 04-02-2022

Articles of association

deed of 04-02-2022 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Bestuursorgaan, algemene vergadering die bestuurder(s) benoemt bepaalt aantal duur opdracht en indien meerdere bevoegdheid”
“Geboekt op algemene kosten los van representatie- reis- en verplaatsingskosten, algemene vergadering beslist of mandaat al dan niet ten…”
Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
100 shares
“Op naam, aandeelhouders mogen kennis nemen betreffende hun effecten”
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 04-02-2022 ↗

Network & group

No group

A4Value has no parent and no holdings in its annual accounts. A4Value shares no director with another company.

Timeline

Timeline

10 events since 2022

Deadline for the 2026 accounts: 31-07-2027

2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0781482676
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
2025
Highest result from 2022 to 2025 net €176,926 ▲24.9% The operating result of €246,177 and the net result of €176,926 are both a record.
Annual accounts 2024 filed PDFmicro format · 39 days before the deadline
2024
Equity above €200,000 equity €308,501 ▲85% With a profit in every financial year since 2022, equity grows to €308,501.
Annual accounts 2023 filed PDFmicro format · 35 days before the deadline
2023
Equity above €150,000 equity €166,799 ▲202% With a profit in every financial year since 2022, equity grows to €166,799.
Annual accounts 2022 filed PDFmicro format · 6 days late
2022
IncorporationFounding capital of €5,000, 100 shares · Founder: VAN DER DONCKT Annemie · Appointments: VAN DER DONCKT Annemie (director) and MICHIELS Rudy François (director) · published on 04-02-20226 points ▸
  • Founder, VAN DER DONCKT Annemie
  • Founding capital, €5,000, 100 shares
  • Registered office clause, Van der Nootstraat 106A, 3012 Leuven
  • Board rule, 2
  • Director appointment, VAN DER DONCKT Annemie (director (not named in the articles))
  • Director appointment, MICHIELS Rudy François (director (not named in the articles))
  • The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

First establishment Van der Nootstraat 106A, Leuven

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

A4Value was incorporated on 2 February 2022 as a private limited company by one natural person, with a starting capital of €5,000.12 The board currently has 2 members.3 Total assets rose from €95,058 in 2022 to €589,153 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 04-02-2022
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2022 and 2025

Company details

Identity

Enterprise number
0781.482.676
VAT number
BE 0781.482.676
Peppol ID
0208:0781482676
Other Peppol ID
9925:BE0781482676
Legal form
Private limited company
Status
Active, normal situation
Founded
02-02-2022
Financial year
ends on 31 December
Peppol
Reachable since 14-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
A4Value in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 04-02-2022 (in Dutch)
Name clauseThe company operates under this name according to its articles.
A4Value
deed of 04-02-2022 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 04-02-2022 (in Dutch)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
70220 Business consulting main activity
64200 Holdings
70100 Activities of head offices
70210 Activities of head offices; management consultancy activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verlenen van adviezen van financiële,technische,commerciële of administratieve aard; in de ruimste zin,met uitzondering van adviezen…”
12 activities
  1. Het verlenen van adviezen van financiële,technische,commerciële of administratieve aard; in de ruimste zin,met uitzondering van adviezen inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen,rechtstreeks of onrechtstreeks op het vlak van administratie en financiën,verkoop,productie en algemeen bestuur.
  2. Advies- en dienstverlening,consultancy activiteiten en het geven van opleidingen aan openbare en private instellingen,particulieren en bedrijven met betrekking tot communicatie; marketing; interne organisatie en bedrijfsprocessen; aankoop; logistiek; administratie; informatica-ontwikkeling en beheer.
  3. Het verlenen van diensten-,advies-,hulp-,en beheersbijstand,met het oog op de bevordering van de organisatie,de communicatie,de rentabiliteit,de commerciële strategie,de financiën,de productie,de marketing en in het algemeen het management van de opdrachtgevers.
  4. Bijstand en diensten,rechtstreeks of onrechtstreeks op het vlak van administratie en financiën,verkoop,productie,marketing,personeelszaken en algemeen bestuur.
  5. Het waarnemen van alle bestuursopdrachten in andere rechtspersonen,het uitoefenen van opdrachten en functies die rechtstreeks of onrechtstreeks met het maatschappelijk doel verband houden,het uitoefenen van de functie van vereffenaar.
  6. Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie van de ontwikkeling en investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt.
  7. Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren,onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositobanken,houders van deposito's op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen,bedoeld door de Wet van 6 april 1995.
  8. Het beheer van een eigen roerend en eigen onroerend vermogen,omvattende onder meer:
  9. Het aanleggen,het oordeelkundig uitbouwen en beheren van een eigen onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen; alsmede alle handelingen die rechtstreeks of onrechtstreeks hiermee in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen.
  10. Het aanleggen,het oordeelkundig uitbouwen en beheren van een eigen roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen.
  11. De vennootschap mag alle verrichtingen stellen van commerciële,industriële,onroerende,roerende of financiële aard die rechtstreeks of onrechtstreeks met haar voorwerp verwant of verknocht zijn of de verwezenlijking ervan kunnen bevorderen.
  12. De vennootschap mag betrokken zijn bij wijze van inbreng,samensmelting,inschrijving of op elke andere wijze,in de ondernemingen,verenigingen of vennootschappen,die een gelijkaardig,soortgelijk of samenhangend doel hebben of die nuttig zijn voor de verwezenlijking van het geheel of een gedeelte van haar maatschappelijk voorwerp.
deed of 04-02-2022 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Van der Nootstraat 106A registered office 3012 Leuven 02-02-2022 2.327.370.983

Buildings and parcels at the address

Ground area
742 m²
Buildings
174 m²
Volume, LiDAR
958 m³
Tallest building
8.4 m
Buildings to scale, each on its own parcel
174 m², 8.4 m 174 m², 8.4 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
24126C0018/00M000741 m² 1 · 174 m² 8.4 m · 2