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"KBA Value"

Active
Private limited company (pre-2019)founded 20188 yrs activede Limburg Stirumlaan 219, 1780 Wemmel, BelgiumKBO/BCE: BE 0700.527.565
Summary

"KBA Value" has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,667 and a net result of €1,560. Equity is shrinking by ~23.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 39% of 7081 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability99▼-1
Solvency66▲+25
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
neutral · 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 · 7 filings
Deviation from the deadline
2025
31 d late
2024
26 d late
2023
8 d early
2022
28 d late
2021
31 d late
2020
1 d early
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed 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.
Companies Code · seven months
Position in the running window
27-09-2026 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

"KBA Value" was incorporated on 31 July 2018.1 Total assets fell from EUR 15,502 in 2019 to EUR 6,532 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€2,667▲ 141%
2024 · €1,107
Total assets
€6,532▼ 3.1%
2024 · €6,741
Net result
€1,560▼ 66.4%
2024 · €4,644
Working capital
€2,667▲ 196%
2024 · €900
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-€882▲ 53.6%€1,557-€9,241€4,688€1,599▼ 65.9%
Net result-€1,027▲ 49.9%€1,403-€9,418€4,644€1,560▼ 66.4%
Equity€4,478▼ 18.7%€5,881▲ 31.3%-€3,537€1,107€2,667▲ 141%
Total assets€10,362▲ 31.5%€7,752▼ 25.2%€3,338▼ 56.9%€6,741▲ 102%€6,532▼ 3.1%
Debt€5,884▲ 148%€1,871▼ 68.2%€6,875▲ 267%€5,634▼ 18.1%€3,865▼ 31.4%
Working capital€4,478▼ 18.7%€4,813▲ 7.5%-€4,174€900€2,667▲ 196%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€5,000€0€5,000Operating result 2021: -€882-€882Net result 2021: -€1,027-€1,027Operating result 2022: €1,557€1,557Net result 2022: €1,403€1,403Operating result 2023: -€9,241-€9,241Net result 2023: -€9,418-€9,418Operating result 2024: €4,688€4,688Net result 2024: €4,644€4,644Operating result 2025: €1,599€1,599Net result 2025: €1,560€1,56020212022202320242025-€10,000-€5,000€0€5,000Operating result 2023: -€9,241-€9,240Net result 2023: -€9,418-€9,420Operating result 2024: €4,688€4,690Net result 2024: €4,644€4,640Operating result 2025: €1,599€1,600Net result 2025: €1,560€1,560202320242025
The operating result falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €6,532
Equity €2,667 ▲ 141%
Debt €3,865 ▼ 31.4%
Debt's share of the balance-sheet total falls from 83.6% to 59.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€1,806▼
2024 · €5,118
Cash flow
€1,767▼
2024 · €5,074
Current ratio
1.69▲
2024 · 1.16
Debt to equity
1.45▼
2024 · 5.09
ROE
58.5%▼
2024 · 419.5%
ROA
23.9%▼
2024 · 68.9%
Interest coverage
45.15▼
2024 · 116.32
Debt ≤ 1 year
€3,865▼
2024 · €5,634
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.5% went bankrupt
3.4% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€6,741€6,532▼
Fixed assets21/28€207-
Tangible fixed assets22/27€207-
Furniture and vehicles24€207-
Current assets29/58€6,534€6,532=
Amounts receivable within one year40/41€3,931€1,619▼
Trade receivables40€3,076€728▼
Other amounts receivable41€855€891▲
Cash at bank and in hand54/58€2,603€4,913▲
Equity and liabilities
Total equity and liabilities10/49€6,741€6,532▼
Equity10/15€1,107€2,667▲
Contributions10/11€6,200€6,200=
Reserves13€68€68=
Non-distributable reserves130/1€68€68=
Reserves not available under the articles1311€68€68=
Profit (loss) carried forward14-€5,161-€3,601▲
Amounts payable17/49€5,634€3,865▼
Amounts payable within one year42/48€5,634€3,865▼
Trade debts44€4,813€3,217▼
Suppliers440/4€4,813€3,217▼
Other amounts payable47/48€821€648▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€430€207▼
Other operating charges640/8€403€450▲
Gross operating margin9900€5,521€2,256▼
Operating profit (loss)9901€4,688€1,599▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€44€40▼
Recurring financial charges65€44€40▼
Profit (loss) for the period before taxes9903€4,644€1,560▼
Profit (loss) for the period9904€4,644€1,560▼
Profit (loss) for the period to be appropriated9905€4,644€1,560▼
Appropriation of the result
Profit (loss) to be appropriated9906-€5,161-€3,601▲
Profit (loss) brought forward from the previous period14P-€9,805-€5,161▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€224€431€430€207▼ 51.9%
Other operating charges640/8€347€356€388€403€450▲ 11.7%
Gross operating margin9900-€535€2,137-€8,422€5,521€2,256▼ 59.1%
Operating profit (loss)9901-€882€1,557-€9,241€4,688€1,599▼ 65.9%
Financial income75/76B----€1-
Recurring financial income75----€1-
Financial charges65/66B€145€154€177€44€40▼ 9.1%
Recurring financial charges65€145€154€177€44€40▼ 9.1%
Profit (loss) for the period before taxes9903-€1,027€1,403-€9,418€4,644€1,560▼ 66.4%
Profit (loss) for the period9904-€1,027€1,403-€9,418€4,644€1,560▼ 66.4%
Profit (loss) for the period to be appropriated9905-€1,027€1,403-€9,418€4,644€1,560▼ 66.4%
Line20212022202320242025Change
Assets
Total assets20/58€10,362€7,752€3,338€6,741€6,532▼ 3.1%
Fixed assets21/28-€1,068€637€207--
Tangible fixed assets22/27-€1,068€637€207--
Furniture and vehicles24-€1,068€637€207--
Current assets29/58€10,362€6,684€2,701€6,534€6,532=
Amounts receivable within one year40/41€392€536€438€3,931€1,619▼ 58.8%
Trade receivables40---€3,076€728▼ 76.3%
Other amounts receivable41€392€536€438€855€891▲ 4.2%
Cash at bank and in hand54/58€9,970€6,148€2,263€2,603€4,913▲ 88.7%
Equity and liabilities
Total equity and liabilities10/49€10,362€7,752€3,338€6,741€6,532▼ 3.1%
Equity10/15€4,478€5,881-€3,537€1,107€2,667▲ 141%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Reserves13€68€68€68€68€68=
Non-distributable reserves130/1€68€68€68€68€68=
Reserves not available under the articles1311€68€68€68€68€68=
Profit (loss) carried forward14-€1,790-€387-€9,805-€5,161-€3,601▲ 30.2%
Amounts payable17/49€5,884€1,871€6,875€5,634€3,865▼ 31.4%
Amounts payable within one year42/48€5,884€1,871€6,875€5,634€3,865▼ 31.4%
Trade debts44€4,864€928€5,990€4,813€3,217▼ 33.2%
Suppliers440/4€4,864€928€5,990€4,813€3,217▼ 33.2%
Other amounts payable47/48€1,020€943€885€821€648▼ 21.1%
Line20212022202320242025Change
Profit (loss) for the period9904-€1,027€1,403-€9,418€4,644€1,560▼ 66.4%
+ Depreciation and write-downs630-€224€431€430€207▼ 51.9%
Operating cash flow (approximation)-€1,027€1,627-€8,987€5,074€1,767▼ 65.2%
Investment in fixed assets (approximation)--€0€0--
Change in cash--€3,822-€3,885€340€2,310▲ 579%

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
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial Back to profitnet €4,644
Net result €4,644 after one loss-making year.
31-12
Financial Liquidity triplescurrent ratio 1.16
Current ratio from 0.39 to 1.16; short-term debt falls from €6,875 to €5,634.
23-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet -€9,418
Net result drops to -€9,418, the lowest in the series; recovery starts the following year.
28-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial Back to profitnet €1,403
Net result €1,403 after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 3.57
Current ratio from 1.76 to 3.57; short-term debt falls from €5,884 to €1,871.
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Wemmel · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
247 m²
Building footprint
185 m²
Volume, LiDAR
3,105 m³
Parcel 22662B0382/00K003, Flanders · tallest building 20.7 m, ±6 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
de Limburg Stirumlaan 219, 1780 Wemmel
Activities of head offices; management consultancy activities
since 20182.278.579.884
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22662B0382/00K003 Flanders 247 m² 1 · 185 m² 20.7 m · 6 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 13,417 companies in sector 73300 we hold annual accounts for 6,899. 1,749 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded31-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Contact
E-mail andretombeur219@gmail.comWemmel
E-invoicing
Reachable via Peppol
Peppol ID 0208:0700527565
Registered 26-10-2025

Register as of 27 September 2026 · Peppol Directory

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