Valueleaf
ActiveThe file of Valueleaf contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 0.6% (low). The 2024 annual accounts show equity of €134,538 and a net result of -€54,583. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 22% of 2833 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability25▼-12
Solvency37▼-3
Growth52=
Track record85
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.13 against 1.17 in 2023; short-term debt: 88.1% and cash: 8.5% of total assets), and 88.2% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2024Solvency, return and age of the figures
Solvency
11.8%
Return on assets
-4.8%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
21222324
2021 to 2024 · latest year -€54,583
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2833 sector peers (2024).
NBB · sector comparisonPosition among 2833 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
31 d late
2021
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€134,538▼ 28.6%
2023 · €188,366
Total assets
€1.1m▼ 11.5%
2023 · €1.3m
Net result
-€54,583▼ 2,616%
2023 · -€2,010
Working capital
€134,861▼ 28.4%
2023 · €188,366
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€9,858-€227,648▲ 2,209%€27,282▼ 88.0%-€57,810
Net result€7,709-€175,990▲ 2,183%-€2,010-€54,583▼ 2,616%
Equity€14,386-€190,376▲ 1,223%€188,366▼ 1.1%€134,538▼ 28.6%
Total assets€831,221-€1.1m▲ 28.1%€1.3m▲ 20.6%€1.1m▼ 11.5%
Debt€816,835-€874,339▲ 7.0%€1.1m▲ 25.3%€1.0m▼ 8.6%
Working capital€18,649-€190,376▲ 921%€188,366▼ 1.1%€134,861▼ 28.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Net result +2,183%, Equity +1,223% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €57,810 after €27,282 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €1.1m
Equity
€134,538 ▼ 28.6%
Debt
€1.0m ▼ 8.6%
Debt's share of the balance-sheet total rises from 85.3% to 88.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.13▼
2023 · 1.17
Debt to equity
7.44▲
2023 · 5.82
ROE
-40.6%▼
2023 · -1.1%
ROA
-4.8%▼
2023 · -0.2%
Debt ≤ 1 year
€1.0m▼
2023 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 745 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
1.2%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 745 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 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | €960 | - | - |
| Gross operating margin9900 | €9,858 | €227,648 | €28,242 | -€57,810 | ▼ 305% |
| Operating profit (loss)9901 | €9,858 | €227,648 | €27,282 | -€57,810 | ▼ 312% |
| Financial income75/76B | €664 | €1,125 | €1,260 | €7,458 | ▲ 492% |
| Recurring financial income75 | €664 | €1,125 | €1,260 | €7,458 | ▲ 492% |
| Financial charges65/66B | €244 | €786 | €24,524 | €4,230 | ▼ 82.8% |
| Recurring financial charges65 | €244 | €786 | €24,524 | €4,230 | ▼ 82.8% |
| Profit (loss) for the period before taxes9903 | €10,279 | €227,987 | €4,018 | -€54,583 | ▼ 1,458% |
| Income taxes67/77 | €2,570 | €51,997 | €6,028 | - | - |
| Profit (loss) for the period9904 | €7,709 | €175,990 | -€2,010 | -€54,583 | ▼ 2,616% |
| Profit (loss) for the period to be appropriated9905 | €7,709 | €175,990 | -€2,010 | -€54,583 | ▼ 2,616% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €831,221 | €1.1m | €1.3m | €1.1m | ▼ 11.5% |
| Current assets29/58 | €831,221 | €1.1m | €1.3m | €1.1m | ▼ 11.5% |
| Amounts receivable within one year40/41 | €405,211 | €564,285 | €976,708 | €1.0m | ▲ 6.4% |
| Trade receivables40 | €405,211 | €494,097 | €740,572 | €866,483 | ▲ 17.0% |
| Other amounts receivable41 | - | €70,189 | €236,135 | €173,185 | ▼ 26.7% |
| Cash at bank and in hand54/58 | €426,010 | €500,429 | €306,709 | €96,255 | ▼ 68.6% |
| Deferred charges and accrued income490/1 | - | - | €511 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €831,221 | €1.1m | €1.3m | €1.1m | ▼ 11.5% |
| Equity10/15 | €14,386 | €190,376 | €188,366 | €134,538 | ▼ 28.6% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €9,386 | €185,376 | €183,366 | €129,538 | ▼ 29.4% |
| Distributable reserves133 | €9,386 | €185,376 | €183,366 | €129,538 | ▼ 29.4% |
| Amounts payable17/49 | €816,835 | €874,339 | €1.1m | €1.0m | ▼ 8.6% |
| Amounts payable within one year42/48 | €812,573 | €874,339 | €1.1m | €1.0m | ▼ 8.6% |
| Trade debts44 | €488,456 | €671,121 | €911,623 | €414,037 | ▼ 54.6% |
| Suppliers440/4 | €488,456 | €671,121 | €911,623 | €414,037 | ▼ 54.6% |
| Advances received on contracts in progress46 | - | - | €55,819 | - | - |
| Taxes, remuneration and social security45 | €236,117 | €156,003 | €80,904 | €20,700 | ▼ 74.4% |
| Taxes450/3 | €236,117 | €156,003 | €80,904 | €20,700 | ▼ 74.4% |
| Other amounts payable47/48 | €88,000 | €47,215 | €47,215 | €566,326 | ▲ 1,099% |
| Accrued charges and deferred income492/3 | €4,263 | - | - | €323 | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,709 | €175,990 | -€2,010 | -€54,583 | ▼ 2,616% |
| Operating cash flow (approximation) | €7,709 | €175,990 | -€2,010 | -€54,583 | ▼ 2,616% |
| Change in cash | - | €74,419 | -€193,721 | -€210,454 | ▼ 8.6% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€54,583
Net result drops to -€54,583, the lowest in the series.
10-12
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · event 05-12-2024
06-11
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · event 31-10-2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €175,990 ▲2,183%
Operating result €227,648, net result €175,990, both a record.
31-12
Financial
Equity above €150,000Eq €190,376 ▲1,223%
2 profitable years in a row build equity to €190,376.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
SignalFinancial milestoneNBB 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.
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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, Antwerpen · 1 establishment unit since 2020
Ground area
602 m²
Building footprint
204 m²
Volume, LiDAR
2,408 m³
Parcel 11810K1553/00P003, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
Valueleaf
since 20202.332.912.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1553/00P003 | Flanders | 602 m² | 1 · 204 m² | 14.7 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | PETER VERCRAEYE BRITSELEI 76, 2000 ANTWERPEN 1- |
31-10-2024 → 05-12-2024 |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,408 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
Founded20-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0743905272
Also
9925:BE0743905272
Registered
01-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.