Turnover
The accounts state no turnover.
The accounts state no turnover.
Latest accounts filed late: after the legal deadline.
Less equity than 83% of companies in retail trade. Sector median €447,349 · 5,068 companies.
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 9 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 47, micro). It does better than 73% of them on solvency, 85% on liquidity, 34% on profitability and 56% on growth.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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, 5,047 companies had the same profile as V.VALUE has now. Each dot stands for 13 companies, two years later.
That fits the bankruptcy probability of V.VALUE itself: 0.9% within 12 months.
The method was tested on the 497,447 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 5,047 companies, not a prediction for V.VALUE. 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 ample, with a current ratio of 2.53 (1.92 in 2024), above the usual 1.5. Short-term debt is 39.1% and cash 45.8% of total assets. 39.4% 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 21 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| V.VALUE Lennik | €60,077 | €5,675 | 60.6% | - |
| MOBIL-IDEE La Louvière | €66,371 | €7,030 | 65.9% | - |
| BOUWAFDICHTING Lommel | €50,607 | €5,972 | 78.5% | - |
| JFA Assesse | €70,881 | €11,956 | -195.5% | - |
| A l'ô Sombreffe | €120,391 | €7,192 | 20.7% | - |
| 4 All Works & Products Buggenhout | €85,236 | €8,543 | 55.1% | - |
| SHIRAVAN.GROUP Tubize | €58,227 | €11,619 | 18.8% | - |
These companies have the same main activity as V.VALUE: retail trade (NACE 47783). They are comparable in size and age: total assets between €50,600 and €120,000, founded between 2016 and 2023.
V.VALUE has existed since 2020. The gross margin fell from €28,357 in 2021 to €5,675 in 2025.
Solvency rose in 2025 from 48.4% to 60.6% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
The turnover shown is an estimate from the gross margin.
Turnover ≈ €60,000. Estimated: probably between €30,000 and €140,000.
Higher than 75% of 5,067 companies in 2025.
Higher than 74% of 4,993 companies in 2025.
Higher than 54% of 5,036 companies in 2025.
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
60,077 | 70,336 | 103,129 | 78,208 | 75,422 | |
21/28 |
589 | 709 | 11,753 | 18,368 | 19,670 | |
21 |
- | - | - | 341 | 766 | |
22/27 |
589 | 709 | 11,753 | 18,027 | 18,904 | |
22 |
589 | 709 | 1,327 | - | - | |
24 |
- | - | 10,427 | 18,027 | 18,904 | |
29/58 |
59,488 | 69,627 | 91,375 | 59,840 | 55,751 | |
3 |
27,663 | 27,230 | 23,611 | 19,640 | 17,950 | |
30/36 |
27,663 | 27,230 | 23,611 | 19,640 | 17,950 | |
40/41 |
4,188 | 5,483 | 13,428 | 6,105 | 16,612 | |
40 |
- | 1,289 | 9,173 | 6,035 | 16,542 | |
41 |
4,188 | 4,194 | 4,255 | 70 | 70 | |
54/58 |
27,530 | 36,914 | 53,683 | 33,547 | 20,270 | |
490/1 |
108 | - | 654 | 549 | 919 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
60,077 | 70,336 | 103,129 | 78,208 | 75,422 | |
10/15 |
36,435 | 34,052 | 40,482 | 21,165 | 10,386 | |
10/11 |
500 | 500 | 500 | 500 | 500 | |
11 |
500 | 500 | - | - | - | |
1109/19 |
500 | 500 | - | - | - | |
14 |
35,935 | 33,552 | 39,982 | 20,665 | 9,886 | |
17/49 |
23,643 | 36,284 | 62,646 | 57,043 | 65,036 | |
17 |
- | - | 1,704 | 6,616 | 12,656 | |
170/4 |
- | - | 1,704 | 6,616 | 12,656 | |
42/48 |
23,493 | 36,284 | 60,591 | 48,078 | 51,049 | |
42 |
- | 1,704 | 4,912 | 6,041 | 5,970 | |
44 |
1,952 | 1,200 | 16,231 | 6,006 | 10,591 | |
440/4 |
1,952 | 1,200 | 16,231 | 6,006 | 10,591 | |
45 |
9,865 | 15,334 | 20,405 | 19,291 | 13,915 | |
450/3 |
8,165 | 15,334 | 20,405 | 19,291 | 13,915 | |
454/9 |
1,700 | - | - | - | - | |
47/48 |
11,676 | 18,046 | 19,043 | 16,741 | 20,573 | |
492/3 |
150 | - | 352 | 2,349 | 1,331 | |
| Income statement | ||||||
9900 |
5,675 | 8,427 | 37,534 | 23,820 | 28,357 | |
630 |
745 | 618 | 8,468 | 7,211 | 10,792 | |
640/8 |
839 | 2,050 | 882 | 1,281 | 2,126 | |
66A |
- | 10,344 | - | - | - | |
9901 |
4,090 | -4,584 | 28,184 | 15,328 | 15,439 | |
75/76B |
45 | 69 | 0 | 122 | 70 | |
75 |
45 | 69 | 0 | 122 | 70 | |
65/66B |
1,753 | 1,914 | 764 | 479 | 871 | |
65 |
1,753 | 1,914 | 764 | 479 | 871 | |
9903 |
2,382 | -6,429 | 27,420 | 14,971 | 14,639 | |
67/77 |
- | 0 | 6,504 | 4,191 | 4,753 | |
9904 |
2,382 | -6,430 | 20,917 | 10,779 | 9,886 | |
9905 |
2,382 | -6,430 | 20,917 | 10,779 | 9,886 | |
| Appropriation of the result | ||||||
9906 |
35,935 | 33,552 | 41,582 | 20,665 | 9,886 | |
14P |
33,552 | 39,982 | 20,665 | 9,886 | - | |
694/7 |
- | - | 1,600 | - | - | |
694 |
- | - | 1,600 | - | - | |
| Document | ||||||
The notes to these accounts have 5 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.
Source: Annual accounts 2025 at the NBB, filed on 15-10-2026.
2025 annual accounts filed 76 days after the deadline. Filed on 15 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00559545.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 15-10-2026 | 2026-00559545 | |
| 31-12-2024 | abbreviated format | 30-09-2025 | 2025-00517742 | |
| 31-12-2023 | micro format | 29-07-2024 | 2024-00322564 | |
| 31-12-2022 | micro format | 14-07-2023 | 2023-00242950 | |
| 31-12-2021 | micro format | 20-07-2022 | 2022-20203515 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 4,835 | -3,966 | 36,652 | 22,539 | 26,232 | ||
| 3,127 | -5,812 | 29,385 | 17,990 | 20,678 | ||
| 625 | -10,427 | 1,853 | 5,908 | 30,463 | ||
| -9,385 | -16,769 | 20,136 | 13,277 | - | ||
| 35,995 | 33,343 | 30,784 | 11,762 | 4,703 | ||
| 60.6% | 48.4% | 39.3% | 27.1% | 13.8% | ||
| 2.53 | 1.92 | 1.51 | 1.24 | 1.09 | ||
| 1.35 | 1.17 | 1.12 | 0.84 | 0.74 | ||
| 0.65 | 1.07 | 1.55 | 2.70 | 6.26 | ||
| 6.5% | -18.9% | 51.7% | 50.9% | 95.2% | ||
| 4.0% | -9.1% | 20.3% | 13.8% | 13.1% | ||
| 2.76 | -2.07 | 47.96 | 47.06 | 30.12 |
EBIT margin: not included in this filing.
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.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €625 | - | €1,853 | €5,908 | €28,155 |
| Intangible fixed assets | - | - | - | - | €2,308 |
| €745 | €618 | €8,468 | €7,211 | €10,792 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a profit of €4,090, after a loss of €4,584 in 2024.
Debt's share of the balance-sheet total falls from 51.6% to 39.4%. Equity is higher and debt is lower.
V.VALUE has no parent and no holdings in its annual accounts. V.VALUE shares no director with another company.
| Fidesplus
establishment since 06-03-2015 · founded in 2015 |
total assets €803,287 (2025) 0599.996.567 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
V.VALUE was incorporated on 9 April 2020 as a private limited company by two natural persons, with a starting capital of €500.12 The registered office was moved to Lennik in 2024.3 The board currently has 2 members, 2 of whom have served since 2024.4 Total assets fell from €75,422 in 2021 to €60,077 in 2025.5
| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Hemelveldweg 40 registered office 1750 Lennik 46900 Non-specialised wholesale trade | 09-04-2020 | 2.301.461.689 | |
| Roccoville Assesteenweg 228, 1750 Lennik | 16-03-2021 | 2.316.859.054 | Retailer of food >3 months |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23072D0200/00F000 | 2,052 m² | 1 · 211 m² | 6.8 m |
| 23072A0414/00R002 | 662 m² | 1 · 85 m² | 12.7 m · 3 |
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