Equity
€144,850 ▲ 7.9%
VALUMA has made a profit without a break since 2018.
VALUMA
Lifetime
20 annual accounts with figures on one time axispeak €140,957 (2008)
€57,719▼ 13.0%
lowest -€4,077 (2017)
€10,555▼ 51.7%
peak €146,565 (2012)
€144,850▲ 7.9%
€394,477▼ 11.5%
peak 0 FTE (2012)
-not published
Board3 names since 2005
3 directorsSTEYAERT Marie-Thérèse Germaine Noëlla and 2 others
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €66,375 to €57,719Result from €21,873 to €10,555Cash from €6,147 to €4,049
Key points
from the 2025 annual accountsChecked score
82
Excellent
Financially stronger than 49% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.1 percentage points vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.3%▲ +0.2 percentage points vs 01-2026
03-2026: 0.4%▲ +0.1 percentage points vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026highest value
08-2026: 0.5%● unchanged vs 07-2026highest value
09-2026: 0.5%● unchanged vs 08-2026highest value
10-2026: 0.5%● unchanged vs 09-2026highest value
11-2026: 0.5%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Liquidity: current ratio 0.03, cash €4,049
lowers risk
Size: total assets €539,327
Figures for financial year 2025 (filed on 26-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 46% of them on solvency, 25% on liquidity, 62% on profitability and 63% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as VALUMA has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of VALUMA itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for VALUMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.03 (0.08 in 2024), below 1. Short-term debt is 39.8% and cash 0.8% of total assets. 73.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
41 days early
2023
33 days early
2022
21 days early
2021
37 days early
2020
38 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 36 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0875956619
Registered office moved within Bonheiden
New registered office: Weynesbaan 121A, 2820 Bonheiden · Previous registered office: Peerlaarstraat 17, 2820 Bonheiden · General meeting of 02-01-2026 · Gazette deed
Changes of role: NEUTJENS Luc Willem Anna, STEYAERT Marie-Thérèse Germaine Noëlla and NEUTJENS Valérie Andrea Marcel
General meeting of 26-04-2022 · Gazette deed
First establishment
Weynesbaan 121, Bonheiden
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VALUMA Bonheiden | €539,327 | €57,719 | 26.9% | - |
| Hendrickx grondwerken Turnhout | €585,534 | €68,870 | -8.3% | 0.5 |
| Gasthuis58 Meerhout | €557,426 | €50,029 | 16.8% | - |
| LORENTIAS Geel | €617,618 | €68,945 | 59.8% | - |
| PRODECCON Nijlen | €650,778 | €61,274 | 50.2% | - |
| BIG CITY Heist-op-den-Berg | €521,214 | €95,051 | 18.3% | - |
| IMMOSAVE Hasselt | €561,615 | €57,054 | 24.0% | - |
These companies have the same main activity as VALUMA: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €521,000 and €651,000, founded between 2003 and 2006.
Official details
Source: KBO- Status
- Active since 09-09-2005Normal situation
- Activity
- Development of residential building projectsNACE 68121and 2 others
- Establishment unit
- 2.149.362.3252820 Bonheiden, since 12-10-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 23-01-2026
Annual accounts 2025
- ≈ €150,000estimated
- €539,327▼ 7.0%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on VALUMA
VALUMA files the micro format. That format states no turnover. The gross margin rose from €42,564 in 2006 to €57,719 in 2025.
The balance sheet grew most in 2010 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VALUMA
- What is the company number of VALUMA?
- The company number of VALUMA is 0875.956.619. The VAT number is the same number with BE in front: BE 0875.956.619.
- Where is VALUMA based?
- The registered office is at Weynesbaan 121A, 2820 Bonheiden.Company details
- What does VALUMA do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of VALUMA?
- VALUMA is a private limited company (BV).
- When was VALUMA founded?
- VALUMA was founded on 09-09-2005.
- Is VALUMA still active?
- Yes, VALUMA is an active enterprise in the KBO register.
- What is the turnover of VALUMA?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €57,719 and 48 comparable companies (NACE 681). It probably lies between €78,000 and €360,000.Financials
- Is VALUMA profitable?
- In financial year 2025, VALUMA made a profit of €10,555.
- Where can I find the annual accounts of VALUMA?
- VALUMA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VALUMA due?
- VALUMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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