VAL-U ADVISORY
ActiveSummary
VAL-U ADVISORY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432k and a net result of €104k. Equity is growing by ~41.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86=
Solvency82▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 1.19 in 2024; short-term debt: 13.4% and cash: 27.6% of total assets), and 43.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
56.6%
Return on assets
13.7%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
66 d early
2023
20 d late
2022
3 d early
2021
1 d late
2020
4 d late
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€432k▲ 31.9%
2024 · €327k
2019: €43k
2020: €81k
2021: €132k
2022: €162k
2023: €229k
2024: €327k
2019 → 2025
Total assets
€762k▲ 6.5%
2024 · €716k
2019: €629k
2020: €660k
2021: €667k
2022: €651k
2023: €695k
2024: €716k
2019 → 2025
Net result
€104k▲ 6.2%
2024 · €98k
2019: €15k
2020: €38k
2021: €51k
2022: €30k
2023: €67k
2024: €98k
2019 → 2025
Working capital
€126k▲ 409%
2024 · €25k
2019: €-145k
2020: €-132k
2021: €-98k
2022: €-97k
2023: €-44k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€162k▲ 22.9%€229k▲ 41.1%€327k▲ 42.9%€432k▲ 31.9%
Operating result€69k-€44k▼ 37.2%€97k▲ 124%€147k▲ 50.4%€159k▲ 8.3%
Net result€51k-€30k▼ 40.4%€67k▲ 120%€98k▲ 47.1%€104k▲ 6.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €762k
Fixed assets
€534k ▼ 4.4%
Current assets
€228k ▲ 45.3%
Equity and liabilities €762k
Equity
€432k ▲ 31.9%
Debt
€331k ▼ 14.9%
Debt's share of the balance-sheet total falls from 54.3% to 43.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€182k▲
2024 · €169k
Cash flow
€128k▲
2024 · €121k
Current ratio
2.23▲
2024 · 1.19
Debt to equity
0.77▼
2024 · 1.19
ROE
24.2%▼
2024 · 30.0%
ROA
13.7%▼
2024 · 13.7%
Interest coverage
45.58▲
2024 · 38.78
Debt ≤ 1 year
€102k▼
2024 · €132k
Debt > 1 year
€226k▼
2024 · €254k
Income taxes
€50k▲
2024 · €44k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€716k€762k▲
Fixed assets21/28€559k€534k▼
Tangible fixed assets22/27€558k€534k▼
Land and buildings22€501k€487k▼
Furniture and vehicles24€2k-
Other tangible fixed assets26€55k€47k▼
Financial fixed assets28€1k-
Current assets29/58€157k€228k▲
Amounts receivable within one year40/41€18k€15k▼
Trade receivables40€18k€15k▼
Cash at bank and in hand54/58€137k€210k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€716k€762k▲
Equity10/15€327k€432k▲
Contributions10/11€6k€6k=
Reserves13€166k€270k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€165k€269k▲
Profit (loss) carried forward14€155k€155k=
Amounts payable17/49€388k€331k▼
Amounts payable after more than one year17€254k€226k▼
Financial debts170/4€254k€226k▼
Amounts payable within one year42/48€132k€102k▼
Current portion of amounts payable after more than one year42€28k€28k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€56k€68k▲
Taxes450/3€39k€51k▲
Remuneration and social security454/9€17k€17k=
Other amounts payable47/48€47k€4k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€174k€186k▲
Operating profit (loss)9901€147k€159k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€142k€155k▲
Income taxes67/77€44k€50k▲
Profit (loss) for the period9904€98k€104k▲
Profit (loss) for the period to be appropriated9905€98k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€253k€259k▲
Profit (loss) brought forward from the previous period14P€155k€155k=
Transfer to equity691/2€98k€104k▲
To other reserves6921€98k€104k▲
The notes to these accounts (8 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
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €104k ▲6.2%
Operating result €159k, net result €104k, both a record.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Equity above €200kEq €229k ▲41.1%
5 profitable years in a row build equity to €229k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €162k ▲22.9%
4 profitable years in a row build equity to €162k.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Equity above €100kEq €132k ▲62.6%
3 profitable years in a row build equity to €132k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Waterloo · 1 establishment unit since 2015
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.
Avenue Louis Le Vau 141410 WaterlooGround area
1,398 m²
Building footprint
272 m²
Volume, LiDAR
1,695 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAL-U ADVISORY
since 20152.239.463.546
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763I0851/00M003 | Wallonia | 761 m² | 1 · 136 m² | 7.8 m · 2 fl. |
| 25110B0431/00M005 | Wallonia | 637 m² | 1 · 136 m² | 8.6 m · 2 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.
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 4,362 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.