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Institute for value optimization

Active
Private limited company (pre-2019)founded 200719 yrs activeAllée Ferme du Bercuit 5A, 1390 Grez-Doiceau, BelgiumKBO/BCE: BE 0889.344.401
Summary

The computed 12-month bankruptcy probability of Institute for value optimization is 5.9% (elevated). The 2025 annual accounts show negative equity (-€7,540) and a net result of -€842. Equity is shrinking by ~31.6% per year across the filed fiscal years. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Institute for value optimizationActive

Checked score

No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability.
Bankruptcy probability: Elevated
Axes · tick = 2024
Profitability-
Solvency-
Growth32=
Track record100
Bankruptcy probability, 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 19 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€7,540
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filings
Deviation from the deadline
2025
21 d late
2024
9 d early
2023
24 d late
2022
30 d early
2021
37 d early
2020
40 d early
2019
18 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 8 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · 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. Usually files around 22 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

Institute for value optimization was incorporated on 2 May 2007.1 The company has filed 18 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€7,540▼ 12.6%
2024 · -€6,697
Total assets
€128▼ 34.4%
2021 · €195
Net result
-€842▲ 75.7%
2024 · -€3,469
Working capital
-€2,450▼ 23.6%
2021 · -€1,983
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€249-€288▼ 16.1%-€726▼ 152%-€3,469▼ 378%-€842▲ 75.7%
Net result-€399▼ 434%-€467▼ 17.1%-€778▼ 66.7%-€3,469▼ 346%-€842▲ 75.7%
Equity-€1,983▼ 25.2%-€2,450▼ 23.6%-€3,229▼ 31.8%-€6,697▼ 107%-€7,540▼ 12.6%
Total assets€195▼ 61.9%€128▼ 34.4%
Debt€2,178▲ 3.9%€2,578▲ 18.4%€3,229▲ 25.2%€6,697▲ 107%€7,540▲ 12.6%
Working capital-€1,983▼ 25.2%-€2,450▼ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2021: -€249-€249Net result 2021: -€399-€399Operating result 2022: -€288-€288Net result 2022: -€467-€467Operating result 2023: -€726-€726Net result 2023: -€778-€778Operating result 2024: -€3,469-€3,469Net result 2024: -€3,469-€3,469Operating result 2025: -€842-€842Net result 2025: -€842-€84220212022202320242025-€4,000-€3,000-€2,000-€1,000€0Operating result 2023: -€726-€726Net result 2023: -€778-€778Operating result 2024: -€3,469-€3,470Net result 2024: -€3,469-€3,470Operating result 2025: -€842-€842Net result 2025: -€842-€842202320242025
The operating result stays negative: a loss of €842 in 2025 against €3,469 in 2024; the loss shrinks.
Key figures and ratios
2025 value · change against 2024
Debt to equity
-1.00=
2024 · -1.00
Debt ≤ 1 year
€7,540▲
2024 · €6,697
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 17 lines
Balance sheet Code20242025
Equity and liabilities
Equity10/15-€6,697-€7,540▼
Contributions10/11€12,400€12,400=
Reserves13€1,855€1,855=
Non-distributable reserves130/1€1,855€1,855=
Reserves not available under the articles1311€1,855€1,855=
Profit (loss) carried forward14-€20,952-€21,795▼
Amounts payable17/49€6,697€7,540▲
Amounts payable within one year42/48€6,697€7,540▲
Other amounts payable47/48€6,697€7,540▲
Income statement Code20242025
Other operating charges640/8€396€400▲
Gross operating margin9900-€3,073-€443▲
Operating profit (loss)9901-€3,469-€842▲
Profit (loss) for the period before taxes9903-€3,469-€842▲
Profit (loss) for the period9904-€3,469-€842▲
Profit (loss) for the period to be appropriated9905-€3,469-€842▲
Appropriation of the result
Profit (loss) to be appropriated9906-€20,952-€21,795▼
Profit (loss) brought forward from the previous period14P-€17,484-€20,952▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8--€384€396€400▲ 1.0%
Gross operating margin9900-€249-€288-€341-€3,073-€443▲ 85.6%
Operating profit (loss)9901-€249-€288-€726-€3,469-€842▲ 75.7%
Financial charges65/66B€150€179€53---
Recurring financial charges65€150€179€53---
Profit (loss) for the period before taxes9903-€399-€467-€778-€3,469-€842▲ 75.7%
Profit (loss) for the period9904-€399-€467-€778-€3,469-€842▲ 75.7%
Profit (loss) for the period to be appropriated9905-€399-€467-€778-€3,469-€842▲ 75.7%
Line20212022202320242025Change
Assets
Total assets20/58€195€128----
Current assets29/58€195€128----
Cash at bank and in hand54/58€195€128----
Equity and liabilities
Total equity and liabilities10/49€195€128----
Equity10/15-€1,983-€2,450-€3,229-€6,697-€7,540▼ 12.6%
Contributions10/11€12,400€12,400€12,400€12,400€12,400=
Reserves13€1,855€1,855€1,855€1,855€1,855=
Non-distributable reserves130/1€1,855€1,855€1,855€1,855€1,855=
Reserves not available under the articles1311€1,855€1,855€1,855€1,855€1,855=
Profit (loss) carried forward14-€16,238-€16,705-€17,484-€20,952-€21,795▼ 4.0%
Amounts payable17/49€2,178€2,578€3,229€6,697€7,540▲ 12.6%
Amounts payable within one year42/48€2,178€2,578€3,229€6,697€7,540▲ 12.6%
Other amounts payable47/48€2,178€2,578€3,229€6,697€7,540▲ 12.6%
Line20212022202320242025Change
Profit (loss) for the period9904-€399-€467-€778-€3,469-€842▲ 75.7%
Operating cash flow (approximation)-€399-€467-€778-€3,469-€842▲ 75.7%
Change in cash--€67----

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
22-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€3,469
Net result drops to -€3,469, the lowest in the series; recovery starts the following year.
24-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
01-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
18-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
07-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, Grez-Doiceau · 1 establishment unit since 2007
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.

Allée Ferme du Bercuit 5A1390 Grez-Doiceau
1 establishment unit
Institute for value optimization
Allée Ferme du Bercuit 5 A, 1390 Grez-DoiceauNACE 74141
since 20072.162.496.620

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded02-05-2007
Fiscal year end31-12
Abbreviation FR I.V.O.
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 29 September 2026 · Peppol Directory

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