Financials
- Fiscal year
- 2025
- Total assets
- €809,609
- Loss
- -€20,516
- Solvency
- 38.1%
Total assets▲ 5.5%
Net result
20182025
ARS-VALENDI
ActiveSummary
ARS-VALENDI has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €308,433 and a net result of -€20,516. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 57% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Buying and selling of own real estate
NACE 68110Operation of sports facilities NACE 93110Fitness centres NACE 93130
#2 oldest company in Westerlo, Real estate sector1 site
How big
€809,609total assets 2025
- Staff
- 0.8 FTE
- Equity
- €308,433
- Loss
- -€20,516
Turnover not published (abridged schema)
Who decides
Accounts 112 d early0 of 7 deeds read
Why 90- Liquidity: current ratio 0.01, cash €747- Loss of €20,516, the second in a row (FY 2025)+ Founded in 1982+ Size: total assets €809,609Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
63-5
equity 38.1% of total assets
Liquidity
46-3
short-term debt 16.8% · cash 0.1%
Profitability
51+43
return on assets -2.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 0.01, cash €747 raises the probability
- Founded in 1982 lowers the probability for this profile
- Size: total assets €809,609 lowers the probability for this profile
- Loss of €20,516, the second in a row (FY 2025) raises the probability
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.81 in 2024; short-term debt: 16.8% and cash: 0.1% of total assets), and 61.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 55%, liquidity 41%, profitability 43%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€20,516
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 10-04-2026, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
112 d early
2024
128 d early
2023
127 d early
2022
98 d early
2021
123 d early
2020
60 d early
2019
59 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 101 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 30 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€64,468
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 10-04-2026Annual accounts filed
- 25-03-2025Annual accounts filed
- 31-12-2024Weakest financial year
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Buying and selling of own real estateNACE 68110
- Founded
- 04-11-1982
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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