B-Value Capital

Active

Public limited companyfounded 20232 yrs activeJachthuislaan(LIN) 24, 3210 Lubbeek, BelgiumKBO/BCE: BE 1003.367.406

Summary

B-Value Capital has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20.63M and a net result of €547k. Its solvency ranks better than 95% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability22▼-16

Solvency100=

Growth78

Track record82

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.4M at 30 days only on tighter terms

short-term debt: 0% and cash: 0.2% of total assets, and 0% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

100%

Return on assets

2.7%

Age of the figures

9 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

31 d late

2024

19 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€547k▲ 587%

2024 · €80k

2024: €80k

2024 → 2025

Working capital

€19.23M▼ 2.7%

2024 · €19.77M

2024: €19.77M

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€20.08M-€20.63M▲ 2.7%

Operating result€-60k-€-132k▼ 118%

Net result€80k-€547k▲ 587%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €132k in 2025 against €60k in 2024; the loss grows.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €20.63M

93.2%

Fixed assets €1.40M ▲ 347%

Current assets €19.24M ▼ 2.8%

Equity and liabilities €20.63M

100.0%

Equity €20.63M ▲ 2.7%

Debt €7k ▼ 74.9%

Debt's share of the balance-sheet total falls from 0.1% to 0.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-97k

Cash flow

€582k

Debt to equity

0.00▼

2024 · 0.00

ROE

2.7%▲

2024 · 0.4%

ROA

2.7%▲

2024 · 0.4%

Interest coverage

-0.35

Debt ≤ 1 year

€4k▼

2024 · €20k

Income taxes

€57k▲

2024 · €9k

A ratio outside any meaningful range has been withheld (balance sheet total €20.63M, equity €20.63M).

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines

Balance sheet Code20242025

Assets

Total assets20/58€20.11M€20.63M▲

Fixed assets21/28€313k€1.40M▲

Tangible fixed assets22/27-€430k

Furniture and vehicles24-€430k

Financial fixed assets28€313k€965k▲

Current assets29/58€19.79M€19.24M▼

Amounts receivable within one year40/41€342k€76k▼

Trade receivables40€27k€29k▲

Other amounts receivable41€315k€47k▼

Current investments50/53€19.40M€19.11M▼

Cash at bank and in hand54/58€53k€48k▼

Deferred charges and accrued income490/1-€3k

Equity and liabilities

Total equity and liabilities10/49€20.11M€20.63M▲

Equity10/15€20.08M€20.63M▲

Contributions10/11€588k€588k=

Capital10€588k€588k=

Issued capital100€588k€588k=

Reserves13€19.49M€20.04M▲

Non-distributable reserves130/1€59k€59k=

Legal reserve130€59k€59k=

Distributable reserves133€19.43M€19.98M▲

Amounts payable17/49€28k€7k▼

Amounts payable within one year42/48€20k€4k▼

Trade debts44€12k€0▼

Suppliers440/4€12k€0▼

Taxes, remuneration and social security45€4k€0▼

Taxes450/3€4k€0▼

Other amounts payable47/48€4k€4k=

Accrued charges and deferred income492/3€8k€3k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€35k

Other operating charges640/8€27k€39k▲

Gross operating margin9900€-34k€-58k▼

Operating profit (loss)9901€-60k€-132k▼

Financial income75/76B€151k€1.02M▲

Recurring financial income75€151k€1.02M▲

Financial charges65/66B€2k€281k▲

Recurring financial charges65€2k€281k▲

Profit (loss) for the period before taxes9903€88k€604k▲

Income taxes67/77€9k€57k▲

Profit (loss) for the period9904€80k€547k▲

Transfer from tax-exempt reserves789€9k€0▼

Profit (loss) for the period to be appropriated9905€89k€547k▲

Appropriation of the result

Profit (loss) to be appropriated9906€89k€547k▲

Transfer to equity691/2€89k€547k▲

To other reserves6921€89k€547k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Gazette 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 31 days late

30-03

State Gazette act Incorporation · Founder

Founding capital · Bank account · An THIELEN

2025

31-12

Financial Liquidity times 5current ratio 5302.98

Current ratio from 990.63 to 5302.98; short-term debt falls from €20k to €4k.

19-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 19 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are 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, Lubbeek · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Jachthuislaan(LIN) 243210 Lubbeek

Ground area

2,080 m²

Building footprint

341 m²

Volume, LiDAR

2,545 m³

Parcel 24063A0042/00M002, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

B-Value Capital

Jachthuislaan(LIN) 24, 3210 LubbeekHoldings

since 20232.354.111.806

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24063A0042/00M002	Flanders	2,080 m²	1 · 341 m²	12.1 m · 3 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.

Structure & network

Connections & network

3 connected companies

Shared directors

Linked via shared directors

DR. IR. U. VANDEURZEN MANAGEMENT FIRM

Shared director

→

Triginta

Shared director

→

VF Capital

Shared director

→

Recognitions · licences · registrations

Legal Entity Identifier

875500WZJ63MS1X0U238

live in the LEI register

Similar companies · same sector, comparable size

DEMACO MANAGEMENT

BE 0875.742.823

Antwerpen · Eq €20.63M

Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 3,942 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded14-12-2023

Fiscal year end31-12

Activities, NACEBEL 2025

70200Business and other management consultancy

64210Activities of holding companies

64929Financial service activities, except insurance and pension funding

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.