PlusValue SLV
ActiveSummary
PlusValue SLV has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,480 and a net result of €5,950. Equity has been growing by about 34% per year since 2023. Its solvency ranks better than 58% of 39,275 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 31-03-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 5 others
- Establishment unit
- 2.347.167.495 5100 Namur, since 14-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Board and ownership
Board
- PAPART Marielle Isabelle GhislaineDirector · since 31-03-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
Annual accounts 2025
- Gross margin
- €8,251
- ▼ 62.5%
- Turnover
- ≈ €39,000
- estimated
- Profit
- €5,950
- ▼ 66.1%
- Equity
- €40,480
- ▲ 17.2%
- Total assets
- €64,026
- ▲ 4.6%
- 2025 accounts filed 21 days after the deadline
Score breakdownraises riskFounded in 2023lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Figures for financial year 2025 (filed on 25-08-2026)Size: total assets €64,026Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 44% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency
88+7
equity 63.2% of total assets
Liquidity
45-8
short-term debt 36.8% · cash 9.3%
Profitability
61-39
return on assets 9.3%
Bankruptcy probability within 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 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 12-2024lowest value
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 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points 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 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.72 (2.29 in 2024), above the usual 1.5. Short-term debt is 36.8% and cash 9.3% of total assets. 36.8% of the assets are financed with debt and provisions.
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 58% of them on solvency, 25% on liquidity, 27% on profitability and 64% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
21 days late
2024
28 days late
2023
23 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 24 days after 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 24 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 21 days after the deadline Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00419231.
Annual accounts 2025 filed on 21-08-2026 at the NBB all 3 filings
Turnover
≈ €39,000
Estimated: probably between €19,000 and €77,000
Total assets
€64,026▲ 4.6%
2024 · €61,205
Net result
€5,950▼ 66.1%
2024 · €17,548
Working capital
€40,480▲ 17.2%
2024 · €34,530
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€7,977
▼ 63.7%
2025
20232025
Net result
€5,950
▼ 66.1%
2025
middle half of the sector
20232025
Equity
€40,480
▲ 17.2%
2025
middle half of the sector
20232025
Total assets
€64,026
▲ 4.6%
2025
lowest quarter of the sector
20232025
Debt
€23,546
▼ 11.7%
2025
20232025
Working capital
€40,480
▲ 17.2%
2025
middle half of the sector
20232025
Solvency
63.2%
▲ 6.8pp
2025
middle half of the sector
20232025
Current ratio
2.72
▲ 0.42
2025
middle half of the sector
20232025
Return on assets (ROA)
9.3%
▼ 19.4pp
2025
middle half of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€20,024-€21,979▲ 9.8%€7,977▼ 63.7%
Net result€15,982within the sector's middle half-€17,548within the sector's middle half▲ 9.8%€5,950within the sector's middle half▼ 66.1%
Equity€16,982below the sector's middle half-€34,530within the sector's middle half▲ 103%€40,480within the sector's middle half▲ 17.2%
Total assets€42,939below the sector's middle half-€61,205below the sector's middle half▲ 42.5%€64,026below the sector's middle half▲ 4.6%
Debt€25,957-€26,674▲ 2.8%€23,546▼ 11.7%
Working capital€16,982within the sector's middle half-€34,530within the sector's middle half▲ 103%€40,480within the sector's middle half▲ 17.2%
Solvency39.5%within the sector's middle half-56.4%within the sector's middle half▲ 16.9pp63.2%within the sector's middle half▲ 6.8pp
Current ratio1.65within the sector's middle half-2.29within the sector's middle half▲ 0.642.72within the sector's middle half▲ 0.42
Return on assets (ROA)37.2%above the sector's middle half-28.7%within the sector's middle half▼ 8.5pp9.3%within the sector's middle half▼ 19.4pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 64% lower than in 2024 and the lowest since 2023.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €64,026
Equity
€40,480 ▲ 17.2%
Debt
€23,546 ▼ 11.7%
Debt's share of the balance-sheet total falls from 43.6% to 36.8%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.58▼
2024 · 0.77
ROE
14.7%▼
2024 · 50.8%
Debt ≤ 1 year
€23,546▼
2024 · €26,674
Income taxes
€1,756▼
2024 · €4,498
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €150 | €0 | €274 | - |
| Gross operating margin9900 | €20,174 | €21,979 | €8,251 | ▼ 62.5% |
| Operating profit (loss)9901 | €20,024 | €21,979 | €7,977 | ▼ 63.7% |
| Financial income75/76B | - | €132 | €0 | ▼ 100% |
| Recurring financial income75 | - | €132 | €0 | ▼ 100% |
| Financial charges65/66B | €46 | €65 | €271 | ▲ 314% |
| Recurring financial charges65 | €46 | €65 | €271 | ▲ 314% |
| Profit (loss) for the period before taxes9903 | €19,977 | €22,046 | €7,706 | ▼ 65.0% |
| Income taxes67/77 | €3,995 | €4,498 | €1,756 | ▼ 60.9% |
| Profit (loss) for the period9904 | €15,982 | €17,548 | €5,950 | ▼ 66.1% |
| Profit (loss) for the period to be appropriated9905 | €15,982 | €17,548 | €5,950 | ▼ 66.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €42,939 | €61,205 | €64,026 | ▲ 4.6% |
| Current assets29/58 | €42,939 | €61,205 | €64,026 | ▲ 4.6% |
| Amounts receivable within one year40/41 | €7,122 | €49,316 | €57,967 | ▲ 17.5% |
| Trade receivables40 | €7,122 | €49,316 | €57,796 | ▲ 17.2% |
| Other amounts receivable41 | - | - | €170 | - |
| Cash at bank and in hand54/58 | €35,817 | €11,889 | €5,949 | ▼ 50.0% |
| Deferred charges and accrued income490/1 | - | - | €110 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €42,939 | €61,205 | €64,026 | ▲ 4.6% |
| Equity10/15 | €16,982 | €34,530 | €40,480 | ▲ 17.2% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €15,900 | €33,400 | €39,300 | ▲ 17.7% |
| Distributable reserves133 | €15,900 | €33,400 | €39,300 | ▲ 17.7% |
| Profit (loss) carried forward14 | €82 | €130 | €180 | ▲ 38.3% |
| Amounts payable17/49 | €25,957 | €26,674 | €23,546 | ▼ 11.7% |
| Amounts payable within one year42/48 | €25,957 | €26,674 | €23,546 | ▼ 11.7% |
| Trade debts44 | €11,806 | €2,891 | €3,371 | ▲ 16.6% |
| Suppliers440/4 | €11,806 | €2,891 | €3,371 | ▲ 16.6% |
| Taxes, remuneration and social security45 | €9,051 | €21,453 | €3,856 | ▼ 82.0% |
| Taxes450/3 | €9,051 | €17,173 | €3,856 | ▼ 77.5% |
| Remuneration and social security454/9 | - | €4,280 | €0 | ▼ 100% |
| Other amounts payable47/48 | €5,100 | €2,330 | €16,318 | ▲ 600% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,982 | €17,548 | €5,950 | ▼ 66.1% |
| Operating cash flow (approximation) | €15,982 | €17,548 | €5,950 | ▼ 66.1% |
| Change in cash | - | -€23,928 | -€5,939 | ▲ 75.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as PlusValue SLV has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PlusValue SLV itself is lower: 0.2% within 12 months. It rests on far more data about PlusValue SLV than the profile alone.
Test of the method
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 39,278 companies, not a prediction for PlusValue SLV. 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.
Board & ownership
Directors
Directors
1 director, no change since 2023
PAPART Marielle Isabelle Ghislaine
Current
Director · since 31-03-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 21-08-2026
Owners and capital
Shareholders
At incorporation
act of 04-04-2023 ↗
- PAPART Marielle Isabelle Ghislaine 10 shares · €1,000
Capital transactions
Capital over time
- 04-04-2023 Incorporation · €1,000
Mandate history
2 people, 1 in office
- Board
- end not dated
| Name | Functions and periods |
|---|---|
| PAPART Marielle Isabelle Ghislaine |
|
| Simon NONET |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, assemblée qui les nomme”
Articles of association, deed of 04-04-2023 (in French)
Network & group
Board mandates elsewhere
1 board mandateBoard mandates of PlusValue SLVPlusValue SLV sits on their board1
1 location
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
21-08
micro format · 21 days late
2025
31-12
Financial
Weakest financial yearnet €5,950 ▼66.1%
The net result drops to €5,950, the lowest from 2023 to 2025.
28-08
micro format · 28 days late
2024
31-12
Financial
Highest result from 2023 to 2025net €17,548 ▲9.8%
The operating result of €21,979 and the net result of €17,548 are both a record.
23-08
micro format · 23 days late
2023
04-04
Gazette deed
IncorporationStarting capital €1,000 · Appointments: PAPART Marielle Isabelle Ghislaine (director) and Simon NONET (alternate director) · Founder10 points ▸
Gazette deed
Incorporation
Starting capital €1,000 · Appointments: PAPART Marielle Isabelle Ghislaine (director) and Simon NONET (alternate director) · Founder10 points ▸
- Incorporation, 31-03-2023
- Founder, PAPART Marielle Isabelle Ghislaine
- Founding capital, €1,000
- Bank account, “Crelan, BE82 1030 8409 9068” (deed in French)
- Share issue, “même classe”, 10 (deed in French), mentioned 2 times in the deed
- Other provision, “plan financier, remis au notaire instrumentant” (deed in French)
- Registered office clause, “5100 Wépion,chemin du Gros Sous 29, à partir du dépôt d’un extrait de l’acte constitutif au Greffe du Tribunal d’entreprise compétent” (deed in French)
- Director appointment, PAPART Marielle Isabelle Ghislaine (director)
- Director appointment, Simon NONET (alternate director)
- Pre-incorporation commitments, “takeover, tous engagements,obligations en résultant,et toutes activités entreprises au nom et pour compte de la société en formation” (deed in French)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
PlusValue SLV in French
Enterprise number
0800.251.483
Legal form
Private limited company
Status
Active, normale toestand
Founded
31-03-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 04-04-2023 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, 5100 Wépion,chemin du Gros Sous 29”
deed of 04-04-2023 (in French)Registered office and establishments
Registered office
Chemin du Gros Sous(WP) 29, 5100 Namur, Belgium
Establishment unit
PlusValue SLV, Chemin du Gros Sous(WP) 29, 5100 Namur since 14-06-2023 · unit number 2.347.167.495
Activities
NACEBEL 202570200
Business and other management consultancy main activity
43333
Wallpapering and laying of floor and wall coverings in other materials
43341
Painting of buildings
68203
Renting and operating of own or leased non-residential real estate, excluding land
81230
Other cleaning activities
82100
Office administrative and support services
Codes under NACEBEL 2008
70220
Business consulting main activity
43333
Wallpapering and laying of floor and wall coverings in other materials
43341
Painting of buildings
68203
Real estate rental
81290
Services to buildings and landscape activities
82110
Office administrative, office support and other business support activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 04-04-2023 (in French)
“La prise de participation sous quelque forme que ce soit,dans toutes sociétés,associations,établissements existants ou à créer,ayant des…”
12 activities
- La prise de participation sous quelque forme que ce soit,dans toutes sociétés,associations,établissements existants ou à créer,ayant des activités industrielles,financières,immobilières,commerciales ou autres
- La gestion et la valorisation de ces participations,notamment par la stimulation,la planification et la coordination du développement des sociétés,associations,établissements ou entités dans lesquels elle détient directement ou indirectement une participation
- L’exercice de fonctions ou de mandats d'administrateur,de gérant,de liquidateur ou de directeur de toute personne ou entité morale,avec ou sans personnalité juridique et ce,quelle que soit la qualification de la fonction,en qualité d’organe ou non,sans exception
- L'achat,la vente,la cession et l'échange,à titre personnel ou fiduciaire,seul ou en association,avec ou sans démembrement,de toutes valeurs mobilières,actions,parts sociales,obligations,fonds d'Etat,et de tous droits mobiliers et immobiliers
- La réalisation de toutes études en faveurs de tiers notamment des sociétés,associations,établissements dans lesquels elle détient,directement ou indirectement,une participation,et l’exécution de toute assistance technique,administrative et financière
- L’octroi de tous prêts,avances et suretés ou garanties personnelles ou réelles,ainsi que la réalisation de toutes opérations financières,notamment au bénéfice de sociétés liées ou partenaires
- Le commerce et la représentation sous toutes les formes,gros ou détail,et plus particulièrement l'achat,la vente,l'importation et l'exportation,l’intermédiation de toutes matières,produits et marchandises,machines,appareils et outillages
- L'achat et la vente d'œuvres d'arts,d'objets de collection et de décoration
- La prestation de services dans un des domaines énoncés ci-avant
- Tous travaux et missions de consultance en aménagements et rénovations intérieurs,en ce compris la mise en scène et en valeur de meubles ou immeubles (home staging),la mise en peinture,papier peint,lattage,etc
- Et la formation,le conseil,et la consultance en général et plus particulièrement en matière de gestion,de restructuration,d’organisation,de méthodologie,d'informatique et d'applications techniques,la recherche de fonds propres et de financements connexes,l’assistance et le conseil en partenariat d’entreprise et en mise en relation de sociétés,le conseil en gestion de l’énergie,la gestion des ressources humaines,l’intermédiation commerciale et industrielle et de toutes sortes de services rendus aux entreprises
- Toutes activités commerciales de secrétariat,de la gestion administrative
Invoicing and payment
VAT number
BE 0800.251.483
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0800.251.483
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 17:00
deed of 04-04-2023 (in French)Sites & property
Location
Buildings and parcels at the address
Ground area
5,332 m²
Building footprint
81 m²
Building volume
590 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92135F0008/00D000 | Wallonia | 5,332 m² | 1 · 81 m² | 8.4 m · 2 |