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, 11,279 companies had the same profile as Valify has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
Micro
under 2 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Test of the method
The method was tested on the 497,448 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
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 11,279 companies, not a prediction for Valify. 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 0208:1019076060
Incorporation
Founding capital of €3,000, 100 shares · Founder: Hidden nameVisible after signing in · Appointment: Name after signing inVisible after signing in (director) · published on 24-01-2025 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as Valify: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €56,700 and €66,000, founded between 2024 and 2025.
Valify has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,774 and a net result of €35,774.
Its solvency ranks better than 57% of 39,376 sector peers (NACE 70, financial year 2025).
micro format, filed on 28-05-2026, 64 days before the deadline
Abbreviated and micro format
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.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €150,000. Estimated: probably between €87,000 and €200,000.
Balance sheet
balance sheet total €61,772 on 31-12-2025
What the company ownsHow it is paid for
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
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.
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.
per financial year, computed from the annual accounts
Line
Trend
2025
49,659
36,539
7,948
33,092
62.8%
2.54
0.59
92.3%
57.9%
13.38
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
€7,948
€765
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Valify
Debt's share of the balance-sheet total is 37.2%.
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
2025202620272028
Hidden nameVisible after signing in Director
Board
Mandates as a list
Name after signing inVisible after signing in
Director, appointed by deed of 24-01-2025, still in office
Name hiddenVisible after signing insole founder · 100% at incorporation
Network & group
No group
Valify has no parent and no holdings in its annual accounts. Hidden nameVisible after signing in is the only director. Valify shares no director with another company.
Timeline
Timeline
4 events since 2025
Filings
Establishments
20252026
2026
Annual accounts 2025 filedNBB ↗micro format · 64 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019076060
IncorporationFounding capital of €3,000, 100 shares · Founder: Name hiddenVisible after signing in · Appointment: Hidden nameVisible after signing in (director) · published on 24-01-20253 points ▸
Founder, Name after signing inVisible after signing in
Founding capital, €3,000, 100 shares
Director appointment, Name hiddenVisible after signing in
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het uitoefenen van consultingfuncties op onafhankelijke wijze en het verlenen van bijstand,advies en leiding aan bedrijven,privé-personen en…”
14 activities
Het uitoefenen van consultingfuncties op onafhankelijke wijze en het verlenen van bijstand,advies en leiding aan bedrijven,privé-personen en instellingen,in het bijzonder doch niet uitsluitend op het vlak van algemeen management,marketing,human resources,productie en ontwikkeling,processing en het besturen van vennootschappen,dit alles in de meest ruime betekenis.
De vennootschap kan daarbij zelf of als tussenpersoon alle hulpmiddelen verschaffen,bestuurders- en zaakvoerdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect in verband staan met het voorgaande.
Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.
A) uitsluitend in eigen naam en voor eigen rekening: het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen,al dan niet onder het stelsel van de BTW,met betrekking tot onroerende goederen en onroerende zakelijke rechten,zoals de aan- en verkoop,de bouw,de verbouwing,de binnenhuisinrichting en decoratie,de huur- en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken,van onroerende goederen of onroerende zakelijke rechten;
B) uitsluitend in eigen naam en voor eigen rekening: het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan- en verkoop,de huur- en verhuur,de ruil; in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen; en
C) uitsluitend in eigen naam en voor eigen rekening: het aangaan en verstrekken van leningen,kredieten,financieringen en het aangaan van leasingcontracten,in het kader van de bovenvermelde doelstellingen.
De vennootschap kan samenwerken met,deelnemen in,of op gelijk welke wijze,rechtstreeks of onrechtstreeks,belangen nemen in andere ondernemingen.
De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak.
Zij mag zich borg stellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin.
Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken.
Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare,of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen.
In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep,zal de vennootschap haar optreden,wat betreft de verrichting van deze handelingen,aan de vervulling van deze voorwaarden ondergeschikt maken.
De vennootschap zal zich moeten onthouden van werkzaamheden die onderworpen zijn aan reglementaire bepalingen voor zover de vennootschap zelf niet aan deze bepalingen voldoet.