VALUE INSIGHT

Active

Private limited companyfounded 201412 yrs activeAvenue du Monde 32, 1400 Nivelles, BelgiumKBO/BCE: BE 0552.849.520

VALUE INSIGHT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €-6k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability12▼-88

Solvency92=

Growth52=

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.42 against 2.76 in 2023; short-term debt: 32.3% and cash: 27.1% of total assets), and 33.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

66.8%

Return on assets

-5.7%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

24 d early

2023

43 d early

2022

31 d late

2021

33 d early

2020

31 d early

2019

2 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€75k▼ 7.8%

2023 · €81k

2018: €55k 2019: €73k 2020: €86k 2021: €105k 2022: €44k 2023: €81k

2018 → 2024

Total assets

€112k▼ 8.1%

2023 · €122k

2018: €86k 2019: €92k 2020: €102k 2021: €122k 2022: €101k 2023: €122k

2018 → 2024

Net result

€-6k

2023 · €38k

2018: €38k 2019: €18k 2020: €13k 2021: €19k 2022: €23k 2023: €38k

2018 → 2024

Working capital

€52k▼ 26.4%

2023 · €70k

2018: €56k 2019: €58k 2020: €78k 2021: €104k 2022: €30k 2023: €70k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€86k-€105k▲ 21.8%€44k▼ 58.7%€81k▲ 87.0%€75k▼ 7.8%

Operating result€19k-€28k▲ 52.9%€31k▲ 10.8%€52k▲ 63.8%€-3k

Net result€13k-€19k▲ 42.4%€23k▲ 22.2%€38k▲ 64.2%€-6k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €3k after €52k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €112k

21.8%

78.2%

Fixed assets €25k▲ 97.6%

Current assets €88k▼ 20.0%

Equity and liabilities €112k

66.8%

33.2%

Equity €75k▼ 7.8%

Debt €37k▼ 8.5%

The debt ratio falls from 33.4% to 33.2%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-467▼

2023 · €54k

Cash flow

€-4k▼

2023 · €41k

Solvency

66.8%▲

2023 · 66.6%

Current ratio

2.42▼

2023 · 2.76

Quick ratio

2.42▼

2023 · 2.76

Debt / equity

0.50▼

2023 · 0.50

ROE

-8.5%▼

2023 · 46.5%

ROA

-5.7%▼

2023 · 31.0%

Interest coverage

-1.62▼

2023 · 145.48

Debt

€37k▼

2023 · €41k

Debt ≤ 1 year

€36k▼

2023 · €40k

Income taxes

€3k▼

2023 · €13k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€122k€112k▼

Fixed assets21/28€12k€25k▲

Tangible fixed assets22/27€11k€22k▲

Plant, machinery and equipment23-€870

Furniture and vehicles24€11k€21k▲

Financial fixed assets28€1k€2k▲

Current assets29/58€110k€88k▼

Amounts receivable within one year40/41€34k€53k▲

Trade receivables40€31k€39k▲

Other amounts receivable41€3k€14k▲

Current investments50/53€2k€3k▲

Cash at bank and in hand54/58€72k€30k▼

Deferred charges and accrued income490/1€2k€1k▼

Equity and liabilities

Total equity and liabilities10/49€122k€112k▼

Equity10/15€81k€75k▼

Contributions10/11€20k€20k=

Profit (loss) carried forward14€61k€55k▼

Amounts payable17/49€41k€37k▼

Amounts payable within one year42/48€40k€36k▼

Trade debts44€1k€24k▲

Suppliers440/4€1k€24k▲

Taxes, remuneration and social security45€18k€12k▼

Taxes450/3€18k€12k▼

Other amounts payable47/48€20k-

Accrued charges and deferred income492/3€1k€1k=

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼

Other operating charges640/8€489€1k▲

Gross operating margin9900€55k€607▼

Operating profit (loss)9901€52k€-3k▼

Financial income75/76B€42€81▲

Recurring financial income75€42€81▲

Financial charges65/66B€373€288▼

Recurring financial charges65€373€288▼

Profit (loss) for the period before taxes9903€51k€-3k▼

Income taxes67/77€13k€3k▼

Profit (loss) for the period9904€38k€-6k▼

Profit (loss) for the period to be appropriated9905€38k€-6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€61k€55k▼

Profit (loss) brought forward from the previous period14P€23k€61k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 2Gazette 1Filings 10

2026

03-09

State Gazette act Incorporation · Founding capital

Bank account · Corporate purpose

2025

07-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-6k ▼117%

Net result drops to €-6k, the lowest in the series.

18-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

28-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Equity above €100kEq €105k ▲21.8%

4 profitable years in a row build equity to €105k.

30-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

29-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

08-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 8 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 31 days late

2016

31-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 31 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 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, Nivelles · 1 establishment unit since 2014

establishment The establishment unit on the map

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.

Avenue du Monde 321400 Nivelles

Ground area

1,244 m²

Building footprint

294 m²

Volume, LiDAR

2,622 m³

2 parcels, Wallonia · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Rue Maillemont(PAC) 4, 6230 Pont-à-Celles

Retail trade

since 20142.231.172.917

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52055B0004/00S003	Wallonia	639 m²	1 · 125 m²	10.2 m · 3 fl.
25783F0219/00S005	Wallonia	605 m²	1 · 169 m²	13.1 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

IMMO V.V.

BE 0771.287.580

Sint-Pieters-Leeuw · Eq €75k

Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 39,894 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-05-2014

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

85592Vocational training

Sources

Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.