VALUEFIN
ActiveSummary
VALUEFIN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €124,646 and a net result of €17,510. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 30 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability85▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 8.18 against 5.74 in 2025; short-term debt: 9.2% and cash: 70.5% of total assets), and 9.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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 2026Solvency, return and age of the figures
Solvency
90.8%
Return on assets
12.8%
Age of the figures
6 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 31-03-2026 was due by 31-10-2026 and was filed on 04-09-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
57 d early
2025
52 d early
2024
58 d early
2023
54 d early
2022
54 d early
2021
92 d late
2020
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 7 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-03-2027 close31-10-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, micro schema
Equity
€124,646▲ 16.3%
2025 · €107,136
Total assets
€137,270▲ 14.8%
2025 · €119,618
Net result
€17,510▼ 21.3%
2025 · €22,258
Working capital
€90,677▲ 53.2%
2025 · €59,184
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€9,163▲ 72.9%€7,704▼ 15.9%€47,444▲ 516%€32,954▼ 30.5%€26,182▼ 20.5%
Net result€6,348within the sector's middle half▲ 311%€4,640within the sector's middle half▼ 26.9%€32,109within the sector's middle half▲ 592%€22,258within the sector's middle half▼ 30.7%€17,510▼ 21.3%
Equity€35,732within the sector's middle half▲ 21.6%€52,770within the sector's middle half▲ 47.7%€84,878within the sector's middle half▲ 60.8%€107,136within the sector's middle half▲ 26.2%€124,646▲ 16.3%
Total assets€67,012within the sector's middle half▲ 11.0%€59,197within the sector's middle half▼ 11.7%€108,997within the sector's middle half▲ 84.1%€119,618within the sector's middle half▲ 9.7%€137,270▲ 14.8%
Debt€31,280▲ 0.9%€6,427▼ 79.5%€24,119▲ 275%€12,482▼ 48.2%€12,625▲ 1.1%
Working capital€32,946within the sector's middle half▲ 28.6%€50,969within the sector's middle half▲ 54.7%€22,127within the sector's middle half▼ 56.6%€59,184within the sector's middle half▲ 167%€90,677▲ 53.2%
Solvency53.3%within the sector's middle half▲ 4.6pp89.1%above the sector's middle half▲ 35.8pp77.9%within the sector's middle half▼ 11.3pp89.6%above the sector's middle half▲ 11.7pp90.8%▲ 1.2pp
Current ratio2.05within the sector's middle half▲ 0.238.93above the sector's middle half▲ 6.881.92within the sector's middle half▼ 7.015.74above the sector's middle half▲ 3.828.18▲ 2.44
Return on assets (ROA)9.5%within the sector's middle half▲ 6.9pp7.8%within the sector's middle half▼ 1.6pp29.5%within the sector's middle half▲ 21.6pp18.6%within the sector's middle half▼ 10.9pp12.8%▼ 5.9pp
above
within
below
the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings.
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; 2026 is 21% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €137,270
Fixed assets
€33,968 ▼ 29.2%
Current assets
€103,302 ▲ 44.1%
Equity and liabilities €137,270
Equity
€124,646 ▲ 16.3%
Debt
€12,625 ▲ 1.1%
Debt's share of the balance-sheet total falls from 10.4% to 9.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40,166▼
2025 · €47,753
Cash flow
€31,494▼
2025 · €37,057
Debt to equity
0.10▼
2025 · 0.12
ROE
14.0%▼
2025 · 20.8%
Interest coverage
258.69▼
2025 · 339.86
Debt ≤ 1 year
€12,625▲
2025 · €12,482
Income taxes
€8,517▼
2025 · €10,556
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €985 | €985 | €8,969 | €14,799 | €13,984 | ▼ 5.5% |
| Other operating charges640/8 | €348 | €348 | €792 | €753 | €773 | ▲ 2.6% |
| Gross operating margin9900 | €10,496 | €9,037 | €57,204 | €48,506 | €40,939 | ▼ 15.6% |
| Operating profit (loss)9901 | €9,163 | €7,704 | €47,444 | €32,954 | €26,182 | ▼ 20.5% |
| Financial charges65/66B | €153 | €243 | €153 | €141 | €155 | ▲ 10.5% |
| Recurring financial charges65 | €153 | €243 | €153 | €141 | €155 | ▲ 10.5% |
| Profit (loss) for the period before taxes9903 | €9,010 | €7,460 | €47,290 | €32,813 | €26,027 | ▼ 20.7% |
| Income taxes67/77 | €2,662 | €2,821 | €15,182 | €10,556 | €8,517 | ▼ 19.3% |
| Profit (loss) for the period9904 | €6,348 | €4,640 | €32,109 | €22,258 | €17,510 | ▼ 21.3% |
| Profit (loss) for the period to be appropriated9905 | €6,348 | €4,640 | €32,109 | €22,258 | €17,510 | ▼ 21.3% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,012 | €59,197 | €108,997 | €119,618 | €137,270 | ▲ 14.8% |
| Fixed assets21/28 | €2,786 | €1,801 | €62,752 | €47,952 | €33,968 | ▼ 29.2% |
| Tangible fixed assets22/27 | €2,786 | €1,801 | €62,752 | €47,952 | €33,968 | ▼ 29.2% |
| Furniture and vehicles24 | €2,786 | €1,801 | €62,752 | €47,952 | €33,968 | ▼ 29.2% |
| Current assets29/58 | €64,226 | €57,397 | €46,245 | €71,666 | €103,302 | ▲ 44.1% |
| Amounts receivable within one year40/41 | €11,629 | €7,684 | - | €9,444 | €6,483 | ▼ 31.4% |
| Other amounts receivable41 | €11,629 | €7,684 | - | €9,444 | €6,483 | ▼ 31.4% |
| Cash at bank and in hand54/58 | €52,596 | €49,713 | €46,245 | €62,222 | €96,819 | ▲ 55.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,012 | €59,197 | €108,997 | €119,618 | €137,270 | ▲ 14.8% |
| Equity10/15 | €35,732 | €52,770 | €84,878 | €107,136 | €124,646 | ▲ 16.3% |
| Contributions10/11 | €6,202 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €29,530 | €34,170 | €66,278 | €88,536 | €106,046 | ▲ 19.8% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €27,670 | €32,310 | €66,278 | €88,536 | €106,046 | ▲ 19.8% |
| Amounts payable17/49 | €31,280 | €6,427 | €24,119 | €12,482 | €12,625 | ▲ 1.1% |
| Amounts payable within one year42/48 | €31,280 | €6,427 | €24,119 | €12,482 | €12,625 | ▲ 1.1% |
| Trade debts44 | - | - | - | €44 | - | - |
| Suppliers440/4 | - | - | - | €44 | - | - |
| Taxes, remuneration and social security45 | - | - | €7,458 | €2,151 | €2,187 | ▲ 1.7% |
| Taxes450/3 | - | - | €7,458 | €2,151 | €2,187 | ▲ 1.7% |
| Other amounts payable47/48 | €31,280 | €6,427 | €16,660 | €10,287 | €10,438 | ▲ 1.5% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,348 | €4,640 | €32,109 | €22,258 | €17,510 | ▼ 21.3% |
| + Depreciation and write-downs630 | €985 | €985 | €8,969 | €14,799 | €13,984 | ▼ 5.5% |
| Operating cash flow (approximation) | €7,334 | €5,625 | €41,078 | €37,057 | €31,494 | ▼ 15.0% |
| Investment in fixed assets (approximation) | - | €0 | -€69,920 | €0 | €0 | - |
| Change in cash | - | -€2,884 | -€3,467 | €15,976 | €34,598 | ▲ 117% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
04-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
28-08
State Gazette act
General meeting · Director appointment
Permanent representative · Auditor reappointment
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 5.74
Current ratio from 1.92 to 5.74; short-term debt falls from €24,119 to €12,482.
31-03
Financial
Equity above €100,000Eq €107,136 ▲26.2%
7 profitable years in a row build equity to €107,136.
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €32,109 ▲592%
Operating result €47,444, net result €32,109, both a record.
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 8.93
Current ratio from 2.05 to 8.93; short-term debt falls from €31,280 to €6,427.
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-03
Financial
Weakest financial yearnet €1,545 ▼40.6%
Net result drops to €1,545, the lowest in the series; recovery starts the following year.
Show earlier events
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Wezembeek-Oppem · 1 establishment unit since 2009
Ground area
1,687 m²
Building footprint
228 m²
Volume, LiDAR
1,098 m³
Parcel 22302C0086/00X002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pierre Marchandstraat 23, 1970 Wezembeek-Oppem
since 20092.178.775.792
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302C0086/00X002 | Flanders | 1,687 m² | 1 · 228 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
699400AL5RUELJ97R489
Similar companies · same sector, comparable size
ULLENS & CO
BE 0656.558.257
Elsene · Eq €124,706
MONEBO
BE 0805.697.737
Destelbergen · Eq €124,867
PUNDIT
BE 1001.496.096
Merelbeke-Melle · Eq €125,241
PAYNATION
BE 0552.869.019
Aartselaar · Eq €125,271
Jopax
BE 0729.727.832
Nazareth-De Pinte · Eq €124,014
Of 3,149 companies in sector 63920 we hold annual accounts for 1,525. 1,255 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-06-2009
Fiscal year end31-03
Activities, NACEBEL 2025
63920Other information service activities
70200Business and other management consultancy
Contact
E-mail
valuefin@skynet.beWezembeek-Oppem
Phone
02/7678605Wezembeek-Oppem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812262657
Also
9925:BE0812262657
Registered
02-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.