VALUE CONSULT
ActiveVALUE CONSULT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278k and a net result of €41k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 3.49 against 8.97 in 2024; short-term debt: 22.9% and cash: 68.6% of total assets), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77.1%
Return on assets
11.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
1 d early
2022
on the day
2021
38 d early
2020
11 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€278k▼ 3.2%
2024 · €287k
2018: €146k
2019: €181k
2020: €230k
2021: €270k
2022: €301k
2023: €311k
2024: €287k
2018 → 2025
Total assets
€361k▲ 14.7%
2024 · €315k
2018: €175k
2019: €214k
2020: €251k
2021: €301k
2022: €321k
2023: €321k
2024: €315k
2018 → 2025
Net result
€41k▼ 9.4%
2024 · €45k
2018: €34k
2019: €35k
2020: €49k
2021: €40k
2022: €43k
2023: €11k
2024: €45k
2018 → 2025
Working capital
€207k▼ 5.5%
2024 · €219k
2018: €144k
2019: €180k
2020: €228k
2021: €268k
2022: €298k
2023: €252k
2024: €219k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€270k-€301k▲ 11.3%€311k▲ 3.6%€287k▼ 7.7%€278k▼ 3.2%
Operating result€57k-€63k▲ 9.6%€64k▲ 1.8%€63k▼ 1.8%€56k▼ 10.1%
Net result€40k-€43k▲ 8.1%€11k▼ 74.6%€45k▲ 314%€41k▼ 9.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€72k▲ 4.0%
Current assets
€289k▲ 17.6%
Equity and liabilities €361k
Equity
€278k▼ 3.2%
Debt
€83k▲ 202%
The debt ratio rises from 8.7% to 22.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€75k▼
2024 · €77k
Cash flow
€59k▲
2024 · €59k
Solvency
77.1%▼
2024 · 91.3%
Current ratio
3.49▼
2024 · 8.97
Quick ratio
3.49▼
2024 · 8.97
Debt / equity
0.30▲
2024 · 0.10
ROE
14.7%▼
2024 · 15.7%
ROA
11.3%▼
2024 · 14.3%
Interest coverage
540.11▼
2024 · 739.57
Debt
€83k▲
2024 · €27k
Debt ≤ 1 year
€83k▲
2024 · €27k
Income taxes
€17k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€315k€361k▲
Fixed assets21/28€69k€72k▲
Tangible fixed assets22/27€69k€72k▲
Furniture and vehicles24€44k€38k▼
Other tangible fixed assets26€24k€34k▲
Financial fixed assets28€25€25=
Current assets29/58€246k€289k▲
Amounts receivable within one year40/41€37k€38k▲
Trade receivables40€26k€30k▲
Other amounts receivable41€10k€8k▼
Cash at bank and in hand54/58€209k€247k▲
Deferred charges and accrued income490/1€896€4k▲
Equity and liabilities
Total equity and liabilities10/49€315k€361k▲
Equity10/15€287k€278k▼
Reserves13€189k€180k▼
Distributable reserves133€189k€180k▼
Profit (loss) carried forward14€98k€98k▲
Amounts payable17/49€27k€83k▲
Amounts payable within one year42/48€27k€83k▲
Trade debts44€16k€24k▲
Suppliers440/4€16k€24k▲
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€2k€50k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€19k▲
Other operating charges640/8€2k€695▼
Gross operating margin9900€79k€76k▼
Operating profit (loss)9901€63k€56k▼
Financial income75/76B€823€2k▲
Recurring financial income75€823€2k▲
Financial charges65/66B€104€139▲
Recurring financial charges65€104€139▲
Profit (loss) for the period before taxes9903€64k€58k▼
Income taxes67/77€19k€17k▼
Profit (loss) for the period9904€45k€41k▼
Transfer from tax-exempt reserves789€0-
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€45k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€139k▼
Profit (loss) brought forward from the previous period14P€97k€98k▲
Transfer from equity791/2€69k€50k▼
Transfer to equity691/2€45k€41k▼
To other reserves6921€45k€41k▼
Profit to be distributed694/7€69k€50k▼
Return on contributions (dividend)694€69k€50k▼
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €11k ▼74.6%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Highest result since 2018net €49k ▲40.2%
Operating result €72k, net result €49k, both a record.
31-12
Financial
Equity above €200kEq €230k ▲27.1%
3 profitable years in a row build equity to €230k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €150kEq €181k ▲24%
2 profitable years in a row build equity to €181k.
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 2011
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.
Carloodreef 4A1180 UkkelGround area
181 m²
Building footprint
181 m²
Volume, LiDAR
1,075 m³
Parcel 21614H0005/00T027, Brussels · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carloodreef 4A, 1180 Ukkel
since 20112.202.625.223
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0005/00T027 | Brussels | 181 m² | 1 · 181 m² | 8.8 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845004556FS84BDWA40
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2011
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.