VaLuE 2 you
ActiveSummary
VaLuE 2 you has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €455k and a net result of €105k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-4
Solvency88▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 0.97 in 2024; short-term debt: 11.8% and cash: 13.3% of total assets), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.8%
Return on assets
14.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
1 d early
2021
on the day
2020
103 d late
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€455k▲ 29.9%
2024 · €350k
2019: €61k
2020: €189k
2021: €187k
2022: €214k
2023: €234k
2024: €350k
2019 → 2025
Total assets
€724k▲ 8.9%
2024 · €665k
2019: €171k
2020: €429k
2021: €367k
2022: €327k
2023: €614k
2024: €665k
2019 → 2025
Net result
€105k▼ 9.9%
2024 · €116k
2019: €109k
2020: €194k
2021: €-2k
2022: €27k
2023: €20k
2024: €116k
2019 → 2025
Working capital
€36k
2024 · €-3k
2019: €26k
2020: €-73k
2021: €-49k
2022: €-7k
2023: €-102k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€214k▲ 14.4%€234k▲ 9.2%€350k▲ 49.6%€455k▲ 29.9%
Operating result€109k-€41k▼ 62.6%€33k▼ 20.3%€186k▲ 470%€166k▼ 10.3%
Net result€-2k-€27k€20k▼ 26.7%€116k▲ 486%€105k▼ 9.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €724k
Fixed assets
€603k ▲ 6.5%
Current assets
€121k ▲ 22.5%
Equity and liabilities €724k
Equity
€455k ▲ 29.9%
Debt
€270k ▼ 14.5%
Debt's share of the balance-sheet total falls from 47.4% to 37.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€184k▼
2024 · €198k
Cash flow
€123k▼
2024 · €129k
Current ratio
1.42▲
2024 · 0.97
Debt to equity
0.59▼
2024 · 0.90
ROE
23.0%▼
2024 · 33.1%
ROA
14.4%▼
2024 · 17.4%
Interest coverage
19.02▲
2024 · 17.58
Debt ≤ 1 year
€85k▼
2024 · €102k
Debt > 1 year
€184k▼
2024 · €213k
Income taxes
€52k▼
2024 · €58k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€665k€724k▲
Fixed assets21/28€567k€603k▲
Tangible fixed assets22/27€567k€603k▲
Land and buildings22€566k€603k▲
Plant, machinery and equipment23€396-
Current assets29/58€99k€121k▲
Amounts receivable within one year40/41€27k€23k▼
Trade receivables40€27k€23k▼
Other amounts receivable41€324€132▼
Cash at bank and in hand54/58€71k€97k▲
Deferred charges and accrued income490/1€576€1k▲
Equity and liabilities
Total equity and liabilities10/49€665k€724k▲
Equity10/15€350k€455k▲
Contributions10/11€12k€12k=
Reserves13€206k€441k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€204k€439k▲
Profit (loss) carried forward14€132k€2k▼
Amounts payable17/49€315k€270k▼
Amounts payable after more than one year17€213k€184k▼
Financial debts170/4€213k€181k▼
Other amounts payable178/9-€3k
Amounts payable within one year42/48€102k€85k▼
Current portion of amounts payable after more than one year42€30k€32k▲
Trade debts44€349€179▼
Suppliers440/4€349€179▼
Taxes, remuneration and social security45€35k€24k▼
Taxes450/3€35k€24k▼
Other amounts payable47/48€36k€30k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€18k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€201k€187k▼
Operating profit (loss)9901€186k€166k▼
Financial income75/76B-€38
Recurring financial income75-€38
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€174k€157k▼
Income taxes67/77€58k€52k▼
Profit (loss) for the period9904€116k€105k▼
Profit (loss) for the period to be appropriated9905€116k€105k▼
Appropriation of the result
Profit (loss) to be appropriated9906€248k€237k▼
Profit (loss) brought forward from the previous period14P€132k€132k▲
Transfer to equity691/2€116k€235k▲
To other reserves6921€116k€235k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
30-06
Financial
Equity above €200kEq €214k ▲14.4%
Equity rises from €187k to €214k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-2k ▼101%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
14-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 103 days late
2020
30-06
Financial
Highest result since 2019net €194k ▲77.5%
Operating result €217k, net result €194k, both a record.
30-06
Financial
Equity above €150kEq €189k ▲211%
2 profitable years in a row build equity to €189k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tielt · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Deinsesteenweg 1018700 TieltGround area
1,610 m²
Building footprint
264 m²
Volume, LiDAR
1,062 m³
Parcel 37001D0545/00D000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VaLuE 2 you
since 20162.256.919.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37001D0545/00D000 | Flanders | 1,610 m² | 1 · 264 m² | 5.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CORIMMO
BE 0872.357.721
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OYA
BE 0810.510.521
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AXEASY
BE 0806.057.231
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BROERS & LARAKI MANAGEMENT
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,010 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2016
Fiscal year end30-06
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.