Equity
La Vallière CLV paid out €2,000 in dividends. That is 20% of the 2025 profit.
La Vallière CLV paid out €2,000 in dividends. That is 20% of the 2025 profit.
The micro format states no turnover.
Short-term debts fell from €26,468 to €17,265.
The last five annual accounts were filed 18 to 34 days before the end of the period.
Less equity than 85% of companies in human health. Sector median €124,612 · 20,738 companies.
The dashed line is the sector median: < 0.1% across 24,173 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 86, micro). It does better than 37% of them on solvency, 44% on liquidity, 80% on profitability and 92% on growth.
The bankruptcy probability was computed on 04-11-2026 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).
In July 2024, 26,972 companies had the same profile as La Vallière CLV has now. Each dot stands for 68 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of La Vallière CLV itself is lower: < 0.1% within 12 months. It rests on far more data about La Vallière CLV than the profile alone.
The method was tested on the 497,446 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.
| 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 26,972 companies, not a prediction for La Vallière CLV. 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.
Liquidity is tight, with a current ratio of 1.39 (0.77 in 2024), below the usual 1.5. Short-term debt is 54.4% and cash 34.3% of total assets. 54.4% of the assets are financed with debt and provisions.
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.
The company filed its last 5 accounts on average 30 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| La Vallière CLV Frameries | €31,710 | €24,629 | 45.6% | - |
| AN VERWIMP Antwerp | €33,085 | €26,130 | 75.4% | - |
| Mental Performance Lummen | €33,935 | €28,916 | 81.8% | - |
| DE VEER BRUGGE Bruges | €33,236 | €23,642 | 58.3% | - |
| Idioom Boutersem | €33,113 | €22,246 | 30.7% | - |
| VID-SEL Oudenaarde | €27,021 | €27,047 | -117.9% | - |
| MGX CORP Gerpinnes | €39,943 | €22,624 | 10.0% | - |
These companies have the same main activity as La Vallière CLV: psychology services (NACE 86931). They are comparable in size and age: total assets between €27,000 and €39,900, founded between 2021 and 2022.
La Vallière CLV files the micro format. That format states no turnover. The gross margin fell from €26,232 in 2021 to €24,629 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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