Active BE 0685.761.393Private limited company

ValueFactory

Drapstraat 20 ·9810 Nazareth-De Pinte, Belgium· 8 yrs active

Sector: Computer consultancy and computer facilities management (62200)

Conclusion Checked

ValueFactory has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €32k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 51% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€189k
Net result	€32k
Better than sector	51%
Active	8 yrs

Financial profile 5 of 5 axes measured · computed by Checked

82 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 85

Solvency 99

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.2% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€18k

estimate, not credit advice

Score history

93 2023

90 2024

93 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 4.03 (≥ 1.5) +10

Quick ratio Quick ratio 4.03 (≥ 1.0) +5

Leverage Debt/equity 0.59 (< 1.0) +10

Profitability ROE 17% (≥ 10%) +10

Interest coverage Interest coverage 16.8× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview8 NBB filings

Annual accounts filed on 24-12-2025 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 3 fiscal years (±0.6%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	62.9%	62.1%	better than 51% of 2768 sector peers
Net result	€32k	€39k	better than 43% of 2770 sector peers
Equity	€189k	€62k	better than 88% of 2769 sector peers
Gross operating margin	€86k	€62k	better than 69% of 2770 sector peers
Total assets	€301k	€121k	better than 88% of 2770 sector peers

EBITDA

€86k

-38.7% 23-25

Net profit

€32k

-51.3% 23-25

Cash flow

€73k

-32.6% 23-25

Total assets

€301k

+2.6% 23-25

Equity

€189k

+20.4% 23-25

Working capital

€105k

+88.5% 23-25

Income taxes

€8k

-73.2% 23-25

Dividends

€100k

+100.0% 23-25

Debt

€112k

-17.9% 23-25

Debt ≤ 1y

€35k

-12.3% 23-25

Debt > 1y

€77k

-19.7% 23-25

Current ratio

4.03

+67.3% 23-25

Quick ratio

4.03

+67.3% 23-25

Solvency

62.9%

+17.3% 23-25

Debt / equity

0.59

-31.8% 23-25

ROE

16.9%

-59.5% 23-25

ROA

10.7%

-52.5% 23-25

Interest coverage

16.75

-62.6% 23-25

Figures by fiscal year and ratios

Change versus the prior fiscal year, coloured by direction (green = favourable).

Fiscal year	2025 Δ	2024 Δ	2023 Δ
Deposit	micro schema	micro schema	micro schema
Revenue	-	-	-
EBITDA	-38.7%	-6.8%	-
Net profit	-51.3%	-31.2%	-
Cash flow	-32.6%	-11.5%	-
Staff costs	-	-	-
Income taxes	-73.2%	+14.4%	-
Dividends	-	+100.0%	-
Total assets	+2.6%	-16.0%	-
Equity	+20.4%	-17.9%	-
Debt	-17.9%	-13.6%	-
of which ≤ 1y	-12.3%	-1.8%	-
of which > 1y	-19.7%	-16.1%	-
Working capital	+88.5%	-25.6%	-
Employees (FTE)	-	-	-

Ratios (computed)

	2025	2024	2023
Current ratio	4.03	2.41	2.86
Quick ratio	4.03	2.41	2.86
Working capital ratio	34.8%	19.0%	21.4%
Solvency	62.9%	53.6%	54.9%
Debt / equity	0.59	0.87	0.82
Long-term debt ratio	0.41	0.61	0.60
Interest coverage	16.75	44.76	55.43
Gross margin	-	-	-
Net margin	-	-	-
ROA	10.7%	22.4%	27.4%
ROE	16.9%	41.9%	49.9%
EBITDA margin	-	-	-
Days sales outstanding	-	-	-
Days payable outstanding	-	-	-
Inventory turnover	-	-	-
Days inventory (DSI)	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €161k · 53.7% Current assets €139k · 46.3%

Equity & liabilities

Equity €189k · 62.9% Debt €112k · 37.1%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€301k	€293k	€348k
Fixed assets	21/28	€161k	€198k	€234k
Tangible fixed assets	22/27	€161k	€198k	€234k
Financial fixed assets	28	€99	€99	€99
Current assets	29/58	€139k	€95k	€115k
Amounts receivable within one year	40/41	€24k	€66k	€56k
Cash & bank	54/58	€115k	€29k	€58k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€301k	€293k	€348k
Equity	10/15	€189k	€157k	€191k
Contributions / capital	10/11	€19k	€19k	€19k
Reserves	13	€2k	€2k	€2k
Accumulated profits (losses)	14	€168k	€136k	€171k
Amounts payable	17/49	€112k	€136k	€157k
Amounts payable after one year	17	€77k	€96k	€114k
Amounts payable within one year	42/48	€35k	€39k	€40k
Trade debts payable within one year	44	€4k	€5k	€891
Income statement
Gross operating margin	9900	€86k	€141k	€151k
Operating result	9901	€45k	€97k	€123k
Financial income	75	€167	€116	€2
Financial charges	65	€5k	€3k	€3k
Result before taxes	9903	€40k	€94k	€120k
Income taxes	67/77	€8k	€28k	€25k
Net result for the period	9904	€32k	€66k	€95k
Result to be appropriated	9905	€32k	€66k	€95k

Legal Structure

NACE primary	Computer consultancy and computer facilities management(62200)
Legal form	Private limited company(610)
Incorporation	08-12-2017
Status	Active
Postal code	9810

Establishment units 1 location

Drapstraat 20, 9810 Nazareth-De Pinte

IT consultancy

since 20172.270.989.734

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44048F0229/00M000	Flanders	4,952 m²	1 · 238 m²	14.5 m · 3 fl.

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.

Updates 9 events

All 10Financial 1Gazette 1Filings 8

Next filing, fiscal year 2026, expected by 31-01-2027

2025

24-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Weakest financial yearnet €32k ▼51.3%

Net result drops to €32k, the lowest in the series.

2024

30-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

29-12

State Gazette act Minor change

Statutes change · Elien Turpyn

11-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

06-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

31-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2020

29-12

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2019

31-12

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2018

14-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

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

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

29-12-2023 Publication in the Belgian Official Gazette, Minor change Minor change·Elien Turpyn

Summary: Statutes changeNotary: Elien Turpyn · Zwevegem

Original publication ↗

Technical details

{
  "notary": {
    "name": "Elien Turpyn",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Zwevegem",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-29",
    "filing_date": "2023-12-27",
    "act_kind_objet": "ONTSLAGEN, BENOEMINGEN, WIJZIGING RECHTSVORM"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2023-12-14",
    "unanimous": null
  },
  "agm_change": null,
  "detected_kind": "statutes_change",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0685.761.393",
    "name_full": "ValueFactory",
    "legal_form": "BV"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "Uitgifte",
    "Geco\u00F6rdineerde statuten"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": {
    "role": "niet_statutair_bestuurder",
    "organ": "algemene_vergadering",
    "person_name": "Langeraert Luc"
  },
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

IT consultancy62020Computer consultancy and computer facilities management62200

Names & trade names

Legal nameNL

ValueFactory

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