V.VALUE
ActiveThe computed 12-month bankruptcy probability of V.VALUE is 3.2% (moderate). The 2024 annual accounts show equity of €34k and a net result of €-6k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 9622 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-87
Solvency73▲+9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.51 in 2023; short-term debt: 51.6% and cash: 52.5% of total assets), but 51.6% 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.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
48.4%
Return on assets
-9.1%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
2 d early
2022
17 d early
2021
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€34k▼ 15.9%
2023 · €40k
2021: €10k
2022: €21k
2023: €40k
2021 → 2024
Total assets
€70k▼ 31.8%
2023 · €103k
2021: €75k
2022: €78k
2023: €103k
2021 → 2024
Net result
€-6k
2023 · €21k
2021: €10k
2022: €11k
2023: €21k
2021 → 2024
Working capital
€33k▲ 8.3%
2023 · €31k
2021: €5k
2022: €12k
2023: €31k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€10k-€21k▲ 104%€40k▲ 91.3%€34k▼ 15.9%
Operating result€15k-€15k▼ 0.7%€28k▲ 83.9%€-5k
Net result€10k-€11k▲ 9.0%€21k▲ 94.0%€-6k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5k after €28k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€709▼ 94.0%
Current assets
€70k▼ 23.8%
Equity and liabilities €70k
Equity
€34k▼ 15.9%
Debt
€36k▼ 42.1%
The debt ratio falls from 60.7% to 51.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2023 · €37k
Cash flow
€-6k▼
2023 · €29k
Solvency
48.4%▲
2023 · 39.3%
Current ratio
1.92▲
2023 · 1.51
Quick ratio
1.17▲
2023 · 1.12
Debt / equity
1.07▼
2023 · 1.55
ROE
-18.9%▼
2023 · 51.7%
ROA
-9.1%▼
2023 · 20.3%
Interest coverage
-2.07▼
2023 · 47.96
Debt
€36k▼
2023 · €63k
Debt ≤ 1 year
€36k▼
2023 · €61k
Income taxes
€0▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€103k€70k▼
Fixed assets21/28€12k€709▼
Tangible fixed assets22/27€12k€709▼
Land and buildings22€1k€709▼
Furniture and vehicles24€10k-
Current assets29/58€91k€70k▼
Stocks and contracts in progress3€24k€27k▲
Stocks30/36€24k€27k▲
Amounts receivable within one year40/41€13k€5k▼
Trade receivables40€9k€1k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€54k€37k▼
Deferred charges and accrued income490/1€654-
Equity and liabilities
Total equity and liabilities10/49€103k€70k▼
Equity10/15€40k€34k▼
Contributions10/11€500€500=
Outside capital11-€500
Other1109/19-€500
Profit (loss) carried forward14€40k€34k▼
Amounts payable17/49€63k€36k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€61k€36k▼
Current portion of amounts payable after more than one year42€5k€2k▼
Trade debts44€16k€1k▼
Suppliers440/4€16k€1k▼
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€20k€15k▼
Other amounts payable47/48€19k€18k▼
Accrued charges and deferred income492/3€352-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€618▼
Other operating charges640/8€882€2k▲
Non-recurring operating charges66A-€10k
Gross operating margin9900€38k€8k▼
Operating profit (loss)9901€28k€-5k▼
Financial income75/76B€0€69▲
Recurring financial income75€0€69▲
Financial charges65/66B€764€2k▲
Recurring financial charges65€764€2k▲
Profit (loss) for the period before taxes9903€27k€-6k▼
Income taxes67/77€7k€0▼
Profit (loss) for the period9904€21k€-6k▼
Profit (loss) for the period to be appropriated9905€21k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€34k▼
Profit (loss) brought forward from the previous period14P€21k€40k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
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 €-6k ▼131%
Net result drops to €-6k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €21k ▲94%
Operating result €28k, net result €21k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB 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, Lennik · 2 establishment units since 2020
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.
Hemelveldweg 401750 LennikGround area
2,714 m²
Building footprint
296 m²
Volume, LiDAR
751 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
V.VALUE
since 20202.301.461.689
Roccoville
since 20212.316.859.054
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072D0200/00F000 | Flanders | 2,052 m² | 1 · 211 m² | - |
| 23072A0414/00R002 | Flanders | 662 m² | 1 · 85 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLennik2.316.859.054
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ETS.DURAY
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Support Team
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Of 462 companies in sector 47783 we hold annual accounts for 214. 154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2020
Fiscal year end31-12
Activities, NACEBEL
47783Retail trade
47784Retail trade
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
10850Manufacture of food products
10890Manufacture of food products
11070Manufacture of beverages
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
47511Retail trade
47512Retail sale of household textiles and bedding
47513Retail trade
47519Retail trade
47530Retail trade
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
47553Retail trade
47554Retail trade
47559Retail sale of other household articles
47591Retail trade
47593Retail trade
47599Retail trade
47610Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
47630Retail trade
47639Retail sale of other sporting goods
47640Retail sale of games and toys
47650Retail trade
47690Retail sale of other cultural and recreation goods
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47722Retail trade
47750Retail sale of cosmetics and toilet articles
47761Retail sale of flowers, plants, seeds and fertilisers
47787Retail trade
47789Other retail sale of new goods
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Valerie.detrift@icloud.com