The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 7,983 companies had the same profile as SID Val has now. Each dot stands for 20 companies, two years later.
94.2%
were still trading
1.9%
stopped another way
3.6%
went bankrupt
Micro
2 to 5 years old
solvency 10 to 30%
a profit of 5% of the balance sheet or more
Another 0.3% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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.
The companies in ten equal groups, from the lowest to the highest expected share
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
2.9%
3.1%
10
5.6%
6.1%
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 7,983 companies, not a prediction for SID Val. 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.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1013758183
Incorporation
Founding capital of €3,500, 100 shares · Founder: Hidden nameVisible after signing in · Appointment: Name after signing inVisible after signing in (director) · published on 20-09-2024 · Gazette deed
“Toutes opérations généralement quelconques, tous travaux et services, toutes ventes et commercialisations mobilières et/ou…” (deed in French)From the articles, 8 activitiesNo NACE code in the KBO yet
The 2025 annual accounts show equity of €27,058 and a net result of €23,558. The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
each dot is a set of accounts, on the day it reached the National Bank
2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00468202.
per financial year, computed from the annual accounts
Line
Trend
2025
68,001
53,106
159,951
-19,330
17.0%
0.58
4.88
87.1%
14.8%
11.20
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
Tangible fixed assets
€39,951
Intangible fixed assets
€120,000
€29,548
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SID Val
Debt's share of the balance-sheet total is 83.0%.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
1 name, the dashed line is today
20242025202620272028
Name hiddenVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Hidden nameVisible after signing in
Director (not named in the articles), from 18-09-2024 to date
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Daily managementDay-to-day management handles the everyday running of the business without the full board.
The board decides whether the delegates act alone or jointly
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
100 shares
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Friday of June at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
Name after signing inVisible after signing in100 shares (100%) · €3,500
Network & group
No group
SID Val has no parent and no holdings in its annual accounts. Name hiddenVisible after signing in is the only director. SID Val shares no director with another company.
Timeline
Timeline
4 events since 2024
Filings
Establishments
202420252026
2026
Annual accounts 2025 filedNBB ↗micro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1013758183
2024
IncorporationFounding capital of €3,500, 100 shares · Founder: Name hiddenVisible after signing in · Appointment: Hidden nameVisible after signing in (director) · published on 20-09-20244 points ▸
Registered office clause, Rue du Paradis 78, 4800 Verviers
Director appointment, Name after signing inVisible after signing in (director (not named in the articles))
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes opérations généralement quelconques, tous travaux et services, toutes ventes et commercialisations mobilières et/ou immobilières se…”
8 activities
Toutes opérations généralement quelconques, tous travaux et services, toutes ventes et commercialisations mobilières et/ou immobilières se rapportant directement ou indirectement à la pratique de l'art infirmier, le nursing, les soins infirmiers tant au siège social qu'à domicile, l'activité d'infirmier hospitalier, de centre de jour de soins infirmiers, les soins paramédicaux, l'activité complète de résidence communautaire de personnes agréées.
La société a pour objet également toutes activités se rapportant directement ou indirectement à la dispensation de soins de santé tels que généralement dispensés par les infirmiers et infirmières à domicile ou dans les maisons de repos, y compris les techniques connexes actuelles ou à venir, et toutes autres activités intéressant la profession d'infirmier.
La société pourra acheter, louer et/ou vendre tout produit de toilette, de matériel et d'accessoires ayant un rapport direct ou indirect avec les activités précisées ci-avant.
La société pourra assurer ou faire assurer le transport de toute personne ou patient sollicitant son intervention dans le cadre de l'objet social.
Elle aura la faculté de recevoir toutes sommes provenant de la dispensation de soins de toutes personnes ou tous organismes.
La société pourra réaliser toutes les opérations accessoires, directement utiles à l'organisation d'un cabinet infirmer, outre le secrétariat, la permanence téléphonique, toutes traductions, l'interface médicale (contacts avec les médecins, les mutuelles, les organismes assureurs, les prestataires de soins, etc.).
La société a également pour objet l'étude, le conseil, la consultation, l'expertise, l'imagerie et toutes prestations de services dans le cadre des activités décrites.
La société peut se grouper ou s'associer avec d'autres infirmiers, groupements, associations ou sociétés d'infirmiers pour s'organiser avec ceux-ci, pour en partager d'une part, les frais et d'autre part les services communs destinés à assurer l'exercice de leur profession dans le respect des règles déontologiques.