Checked.be
Active
BE 0634.662.288Private limited company
VISION & VALUES
Posschierstraat 16 ·1040 Etterbeek, Belgium· 11 yrs active
Sector: Public relations and communication consultancy
(73300)
Conclusion
VISION & VALUES has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €91k and a net result of €25k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 46% of 2547 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €91k |
| Net result | €25k |
| Better than sector | 46% |
| Active | 11 yrs |
Financial profile
95
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
96
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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
100
/ 100
Excellent
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
€9k
estimate, not credit advice
Score history
94
2022
100
2023
100
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.55 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.55 (≥ 1.0)
+5
Leverage
Debt/equity 0.94 (< 1.0)
+10
Profitability
ROE 28% (≥ 10%)
+10
Interest coverage
Interest coverage 5092.9× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~36%/year over 3 fiscal years, indicative, assuming unchanged policy.
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 2024 · NACE 73, Advertising, market research and public relations activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 51.5% | 56.2% | |
| Net result | €25k | €19k | |
| Equity | €91k | €43k | |
| Gross operating margin | €37k | €37k | |
| Total assets | €176k | €93k |
€141k
-
22-24
€36k
+10.3%
22-24
€25k
+14.9%
22-24
€26k
+11.1%
22-24
€176k
+39.3%
22-24
€91k
+38.5%
22-24
€106k
+30.3%
22-24
€10k
+9.9%
22-24
€85k
+40.2%
22-24
€68k
+55.8%
22-24
€17k
0.0%
22-24
2.55
-10.6%
22-24
2.55
-10.6%
22-24
51.5%
-0.6%
22-24
0.94
+1.3%
22-24
27.8%
-17.0%
22-24
14.3%
-17.5%
22-24
10.4%
-
22-24
16.5%
-
22-24
5092.91
+2215.5%
22-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | €141k |
| EBITDA | €36k | €33k | €23k |
| Net profit | €25k | €22k | €15k |
| Cash flow | €26k | €23k | €17k |
| Staff costs | - | - | - |
| Income taxes | €10k | €9k | €6k |
| Dividends | - | - | - |
| Total assets | €176k | €126k | €95k |
| Equity | €91k | €66k | €44k |
| Debt | €85k | €61k | €51k |
| of which ≤ 1y | €68k | €44k | €34k |
| of which > 1y | €17k | €17k | €17k |
| Working capital | €106k | €81k | €59k |
| Employees (FTE) | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Current ratio | 2.55 | 2.86 | 2.74 |
| Quick ratio | 2.55 | 2.86 | 2.74 |
| Working capital ratio | 60.3% | 64.4% | 62.7% |
| Solvency | 51.5% | 51.9% | 46.1% |
| Debt / equity | 0.94 | 0.93 | 1.17 |
| Long-term debt ratio | 0.19 | 0.26 | 0.39 |
| Interest coverage | 5092.91 | 219.95 | 269.01 |
| Gross margin | - | - | 12.6% |
| Net margin | - | - | 10.4% |
| ROA | 14.3% | 17.3% | 15.5% |
| ROE | 27.8% | 33.5% | 33.7% |
| EBITDA margin | - | - | 16.5% |
| Days sales outstanding | - | - | 30d |
| Days payable outstanding | - | - | 8d |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €176k | €126k | €95k |
| Fixed assets | 21/28 | €2k | €1k | €1k |
| Tangible fixed assets | 22/27 | €2k | €1k | €1k |
| Financial fixed assets | 28 | €50 | €50 | €50 |
| Current assets | 29/58 | €174k | €125k | €93k |
| Amounts receivable within one year | 40/41 | €52k | €18k | €12k |
| Cash & bank | 54/58 | €119k | €104k | €78k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €176k | €126k | €95k |
| Equity | 10/15 | €91k | €66k | €44k |
| Contributions / capital | 10/11 | €17k | €17k | €17k |
| Reserves | 13 | €265 | €265 | €265 |
| Accumulated profits (losses) | 14 | €74k | €49k | €27k |
| Amounts payable | 17/49 | €85k | €61k | €51k |
| Amounts payable after one year | 17 | €17k | €17k | €17k |
| Amounts payable within one year | 42/48 | €68k | €44k | €34k |
| Trade debts payable within one year | 44 | €29k | €7k | €3k |
| Income statement | ||||
| Turnover | 70 | - | - | €141k |
| Gross operating margin | 9900 | €37k | €34k | €24k |
| Operating result | 9901 | €35k | €31k | €21k |
| Financial income | 75 | €2 | - | - |
| Financial charges | 65 | €7 | €148 | €87 |
| Result before taxes | 9903 | €35k | €31k | €20k |
| Income taxes | 67/77 | €10k | €9k | €6k |
| Net result for the period | 9904 | €25k | €22k | €15k |
| Result to be appropriated | 9905 | €25k | €22k | €15k |
Legal Structure
| NACE primary | Public relations and communication consultancy(73300) |
| Legal form | Private limited company(610) |
| Incorporation | 28-07-2015 |
| Status | Active |
| Postal code | 1040 |
Establishment units
Posschierstraat 16, 1040 Etterbeek
since 20152.244.917.223
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21364B0002/00R003 | Brussels | 145 m² | 1 · 70 m² | 14.0 m · 4 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Highest result since 2022net €25k ▲14.9%
Operating result €35k, net result €25k, both a record.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 152 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Activities of head offices; management consultancy activities70210Public relations and communication consultancy73300Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameFR | VISION & VALUES |
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