DUVAL THOMAS

Active

Private limited companyfounded 20215 yrs activeVoie de l'Air Pur 71, 4052 Chaudfontaine, BelgiumKBO/BCE: BE 0767.437.868

The computed 12-month bankruptcy probability of DUVAL THOMAS is 2.7% (moderate). The 2025 annual accounts show equity of €30k and a net result of €19k. Equity is growing by ~3.6% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability81▲+6

Solvency42▲+12

Growth78▲+20

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 2.64 against 1.49 in 2024; short-term debt: 13.7% and cash: 34.3% of total assets), but 83.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

16.6%

Return on assets

10.2%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

14 d late

2024

25 d late

2023

20 d early

2022

31 d early

2021

19 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€30k▲ 159%

2024 · €12k

2021: €16k 2022: €36k 2023: €65k 2024: €12k

2021 → 2025

Total assets

€183k▼ 26.8%

2024 · €249k

2021: €71k 2022: €81k 2023: €104k 2024: €249k

2021 → 2025

Net result

€19k▲ 60.4%

2024 · €12k

2021: €9k 2022: €20k 2023: €29k 2024: €12k

2021 → 2025

Working capital

€41k▼ 3.3%

2024 · €42k

2021: €-40k 2022: €17k 2023: €49k 2024: €42k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€16k-€36k▲ 127%€65k▲ 80.7%€12k▼ 82.1%€30k▲ 159%

Operating result€12k-€27k▲ 122%€38k▲ 41.6%€20k▼ 48.7%€28k▲ 42.4%

Net result€9k-€20k▲ 128%€29k▲ 44.2%€12k▼ 60.2%€19k▲ 60.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 42% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €183k

63.9%

36.1%

Fixed assets €117k▼ 2.8%

Current assets €66k▼ 49.0%

Equity and liabilities €183k

16.6%

83.4%

Equity €30k▲ 159%

Debt €152k▼ 35.9%

The debt ratio falls from 95.3% to 83.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€39k▼

2024 · €46k

Cash flow

€29k▼

2024 · €38k

Solvency

16.6%▲

2024 · 4.7%

Current ratio

2.64▲

2024 · 1.49

Quick ratio

2.64▲

2024 · 1.49

Debt / equity

5.04▼

2024 · 20.35

ROE

61.4%▼

2024 · 99.1%

ROA

10.2%▲

2024 · 4.6%

Interest coverage

6.87▼

2024 · 8.79

Debt

€152k▼

2024 · €238k

Debt ≤ 1 year

€25k▼

2024 · €87k

Debt > 1 year

€127k▼

2024 · €148k

Income taxes

€6k▲

2024 · €4k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€249k€183k▼

Fixed assets21/28€120k€117k▼

Intangible fixed assets21€30k€25k▼

Tangible fixed assets22/27€90k€92k▲

Land and buildings22€88k€91k▲

Furniture and vehicles24€1k€420▼

Assets under construction and advance payments27€1k€0▼

Current assets29/58€129k€66k▼

Amounts receivable within one year40/41€52k€3k▼

Other amounts receivable41€52k€3k▼

Cash at bank and in hand54/58€77k€63k▼

Deferred charges and accrued income490/1-€490

Equity and liabilities

Total equity and liabilities10/49€249k€183k▼

Equity10/15€12k€30k▲

Contributions10/11€7k€7k=

Profit (loss) carried forward14€5k€23k▲

Amounts payable17/49€238k€152k▼

Amounts payable after more than one year17€148k€127k▼

Financial debts170/4€148k€127k▼

Amounts payable within one year42/48€87k€25k▼

Current portion of amounts payable after more than one year42€20k€21k▲

Trade debts44€72€7▼

Suppliers440/4€72€7▼

Taxes, remuneration and social security45€2k€4k▲

Taxes450/3€2k€4k▲

Other amounts payable47/48€65k€0▼

Accrued charges and deferred income492/3€3k€615▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€11k▼

Other operating charges640/8€950€2k▲

Gross operating margin9900€47k€40k▼

Operating profit (loss)9901€20k€28k▲

Financial income75/76B€1k€2k▲

Recurring financial income75€1k€2k▲

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€16k€24k▲

Income taxes67/77€4k€6k▲

Profit (loss) for the period9904€12k€19k▲

Profit (loss) for the period to be appropriated9905€12k€19k▲

Appropriation of the result

Profit (loss) to be appropriated9906€70k€23k▼

Profit (loss) brought forward from the previous period14P€58k€5k▼

Profit to be distributed694/7€65k€0▼

Return on contributions (dividend)694€65k€0▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 14 days late

2025

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

11-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €29k ▲44.2%

Operating result €38k, net result €29k, both a record.

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Liquidity times 7current ratio 1.94

Current ratio from 0.28 to 1.94; short-term debt falls from €55k to €18k.

19-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 19 days late

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, Chaudfontaine · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Voie de l'Air Pur 714052 Chaudfontaine

Ground area

5,175 m²

Building footprint

591 m²

Volume, LiDAR

6,062 m³

2 parcels, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Rue Hayî 92, 4460 Grâce-Hollogne

Human health activities

since 20212.319.597.325

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62012B0022/00B000	Wallonia	3,624 m²	1 · 450 m²	12.9 m · 4 fl.
62054B0087/00S002	Wallonia	1,551 m²	1 · 141 m²	8.9 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.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-04-2021

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.