VALUEFIN
ActiveVALUEFIN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €125k and a net result of €18k. Equity is growing by ~27.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
93
/ 100
Excellent= vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability70▼-30
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 8.18 against 5.74 in 2025), and 9.2% 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
5 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 →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€125k▲ 16.3%
2025 · €107k
2019: €25k
2020: €28k
2021: €29k
2022: €36k
2023: €53k
2024: €85k
2025: €107k
2019 → 2026
Total assets
€137k▲ 14.8%
2025 · €120k
2019: €56k
2020: €59k
2021: €60k
2022: €67k
2023: €59k
2024: €109k
2025: €120k
2019 → 2026
Net result
€18k▼ 21.3%
2025 · €22k
2019: €6k
2020: €3k
2021: €2k
2022: €6k
2023: €5k
2024: €32k
2025: €22k
2019 → 2026
Working capital
€91k▲ 53.2%
2025 · €59k
2019: €25k
2020: €23k
2021: €26k
2022: €33k
2023: €51k
2024: €22k
2025: €59k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€36k-€53k▲ 47.7%€85k▲ 60.8%€107k▲ 26.2%€125k▲ 16.3%
Operating result€9k-€8k▼ 15.9%€47k▲ 516%€33k▼ 30.5%€26k▼ 20.5%
Net result€6k-€5k▼ 26.9%€32k▲ 592%€22k▼ 30.7%€18k▼ 21.3%
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 €137k
Fixed assets
€34k▼ 29.2%
Current assets
€103k▲ 44.1%
Equity and liabilities €137k
Equity
€125k▲ 16.3%
Debt
€13k▲ 1.1%
The debt ratio falls from 10.4% to 9.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€40k▼
2025 · €48k
Cash flow
€31k▼
2025 · €37k
Solvency
90.8%▲
2025 · 89.6%
Current ratio
8.18▲
2025 · 5.74
Quick ratio
8.18▲
2025 · 5.74
Debt / equity
0.10▼
2025 · 0.12
ROE
14.0%▼
2025 · 20.8%
ROA
12.8%▼
2025 · 18.6%
Interest coverage
258.69▼
2025 · 339.86
Debt
€13k▲
2025 · €12k
Debt ≤ 1 year
€13k▲
2025 · €12k
Income taxes
€9k▼
2025 · €11k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€120k€137k▲
Fixed assets21/28€48k€34k▼
Tangible fixed assets22/27€48k€34k▼
Furniture and vehicles24€48k€34k▼
Current assets29/58€72k€103k▲
Amounts receivable within one year40/41€9k€6k▼
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€62k€97k▲
Equity and liabilities
Total equity and liabilities10/49€120k€137k▲
Equity10/15€107k€125k▲
Contributions10/11€19k€19k=
Reserves13€89k€106k▲
Distributable reserves133€89k€106k▲
Amounts payable17/49€12k€13k▲
Amounts payable within one year42/48€12k€13k▲
Trade debts44€44-
Suppliers440/4€44-
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€10k€10k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€753€773▲
Gross operating margin9900€49k€41k▼
Operating profit (loss)9901€33k€26k▼
Financial charges65/66B€141€155▲
Recurring financial charges65€141€155▲
Profit (loss) for the period before taxes9903€33k€26k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€22k€18k▼
Profit (loss) for the period to be appropriated9905€22k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€18k▼
Transfer to equity691/2€22k€18k▼
To other reserves6921€22k€18k▼
The notes to these accounts (4 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 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 €24k to €12k.
31-03
Financial
Equity above €100kEq €107k ▲26.2%
7 profitable years in a row build equity to €107k.
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €32k ▲592%
Operating result €47k, net result €32k, 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 €31k to €6k.
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 €2k ▼40.6%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
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.
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
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.
Pierre Marchandstraat 231970 Wezembeek-OppemGround 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
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.
Structure & network
Ownership & control
1 partyVALUEFINBE 0812.262.657
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2009
Fiscal year end31-03
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.