VALUNORM
ActiveVALUNORM has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €23k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency88▲+13
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.59 in 2024), but 52.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
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
47.2%
Return on assets
8.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
4 d early
2023
7 d early
2022
15 d early
2021
11 d early
2020
4 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 23.0%
2024 · €100k
2019: €108k
2021: €54k
2022: €39k
2023: €106k
2024: €100k
2019 → 2025
Total assets
€261k▲ 5.9%
2024 · €246k
2019: €141k
2021: €114k
2022: €85k
2023: €204k
2024: €246k
2019 → 2025
Net result
€23k▼ 41.2%
2024 · €39k
2019: €7k
2021: €-7k
2022: €-15k
2023: €67k
2024: €39k
2019 → 2025
Working capital
€110k▲ 29.3%
2024 · €85k
2019: €109k
2021: €55k
2022: €38k
2023: €95k
2024: €85k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€39k▼ 27.8%€106k▲ 171%€100k▼ 5.9%€123k▲ 23.0%
Operating result€-7k-€-15k▼ 115%€85k€56k▼ 33.8%€34k▼ 40.1%
Net result€-7k-€-15k▼ 112%€67k€39k▼ 41.6%€23k▼ 41.2%
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 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€14k▼ 11.5%
Current assets
€246k▲ 7.1%
Equity and liabilities €261k
Equity
€123k▲ 23.0%
Debt
€138k▼ 5.8%
The debt ratio falls from 59.4% to 52.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▼
2024 · €58k
Cash flow
€26k▼
2024 · €41k
Solvency
47.2%▲
2024 · 40.6%
Current ratio
1.81▲
2024 · 1.59
Quick ratio
1.81▲
2024 · 1.59
Debt / equity
1.12▼
2024 · 1.46
ROE
18.7%▼
2024 · 39.2%
ROA
8.8%▼
2024 · 15.9%
Interest coverage
95.15▼
2024 · 174.35
Debt
€138k▼
2024 · €146k
Debt ≤ 1 year
€136k▼
2024 · €145k
Income taxes
€10k▼
2024 · €17k
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€246k€261k▲
Fixed assets21/28€16k€14k▼
Tangible fixed assets22/27€16k€14k▼
Plant, machinery and equipment23€13k€12k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€230k€246k▲
Amounts receivable within one year40/41€21k€19k▼
Trade receivables40€21k€19k▼
Cash at bank and in hand54/58€207k€227k▲
Deferred charges and accrued income490/1€2k€134▼
Equity and liabilities
Total equity and liabilities10/49€246k€261k▲
Equity10/15€100k€123k▲
Contributions10/11€19k€19k=
Reserves13€81k€104k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€81k€104k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€146k€138k▼
Amounts payable within one year42/48€145k€136k▼
Trade debts44€3k€165▼
Suppliers440/4€3k€165▼
Taxes, remuneration and social security45€26k€21k▼
Taxes450/3€26k€21k▼
Other amounts payable47/48€116k€115k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€834▼
Gross operating margin9900€61k€38k▼
Operating profit (loss)9901€56k€34k▼
Financial income75/76B€159€234▲
Recurring financial income75€159€234▲
Financial charges65/66B€334€387▲
Recurring financial charges65€334€387▲
Profit (loss) for the period before taxes9903€56k€34k▼
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€39k€23k▼
Profit (loss) for the period to be appropriated9905€39k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€23k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€45k€0▼
Transfer to equity691/2€39k€23k▼
To other reserves6921€39k€23k▼
Profit to be distributed694/7€45k€0▼
Return on contributions (dividend)694€45k€0▼
The notes to these accounts (12 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Equity above €100kEq €123k ▲23%
3 profitable years in a row build equity to €123k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €67k
Net result €67k after 2 loss-making years.
30-06
Financial
Equity above €100kEq €106k ▲171%
Equity rises from €39k to €106k.
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tervuren · 1 establishment unit since 2010
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.
Vossenlaan 273080 TervurenGround area
742 m²
Building footprint
211 m²
Volume, LiDAR
898 m³
Parcel 24302F0108/00C004, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vossenlaan 27, 3080 Tervuren
since 20102.301.817.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0108/00C004 | Flanders | 742 m² | 1 · 211 m² | 6.7 m · 1 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.
Similar companies · same sector, comparable size
DORNWALD
BE 0792.755.660
Kortrijk · Eq €123k
FRAPACK
BE 0751.722.086
Antwerpen · Eq €123k
ACCONA
BE 0761.936.384
Heusden-Zolder · Eq €123k
COMMUNICART
BE 0806.738.904
Antwerpen · Eq €123k
WOOGIE
BE 0806.389.803
Liège · Eq €123k
Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 7,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2010
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.