FOND DU VAL
ActiveThe computed 12-month bankruptcy probability of FOND DU VAL is 2.5% (moderate). The 2024 annual accounts show equity of €55k and a net result of €15k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 27% of 1306 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
Axes · tick = 2023
Profitability100=
Solvency19▲+7
Growth78=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.87 against 0.72 in 2023), and 84.1% 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 52
Relative position
BE, all sectors
reference
Sector 52
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
15.9%
Return on assets
4.4%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
32 d early
2022
31 d late
2021
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€55k▲ 38.2%
2023 · €40k
2021: €12k
2022: €28k
2023: €40k
2021 → 2024
Total assets
€345k▼ 10.1%
2023 · €384k
2021: €371k
2022: €388k
2023: €384k
2021 → 2024
Net result
€15k▲ 30.2%
2023 · €12k
2021: €-8k
2022: €16k
2023: €12k
2021 → 2024
Working capital
€-6k▲ 74.1%
2023 · €-24k
2021: €-67k
2022: €-39k
2023: €-24k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€12k-€28k▲ 141%€40k▲ 41.5%€55k▲ 38.2%
Operating result€-4k-€23k€23k▼ 2.1%€27k▲ 18.1%
Net result€-8k-€16k€12k▼ 29.0%€15k▲ 30.2%
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 2024; 2024 is 18% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €345k
Fixed assets
€304k▼ 5.5%
Current assets
€41k▼ 33.5%
Equity and liabilities €345k
Equity
€55k▲ 38.2%
Debt
€290k▼ 15.6%
The debt ratio falls from 89.6% to 84.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€45k▲
2023 · €41k
Cash flow
€33k▲
2023 · €30k
Solvency
15.9%▲
2023 · 10.4%
Current ratio
0.87▲
2023 · 0.72
Quick ratio
0.87▲
2023 · 0.72
Debt / equity
5.28▼
2023 · 8.65
ROE
27.6%▼
2023 · 29.3%
ROA
4.4%▲
2023 · 3.0%
Interest coverage
9.14▲
2023 · 6.95
Debt
€290k▼
2023 · €344k
Debt ≤ 1 year
€47k▼
2023 · €85k
Debt > 1 year
€243k▼
2023 · €259k
Income taxes
€7k▲
2023 · €5k
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€384k€345k▼
Formation expenses20€384€179▼
Fixed assets21/28€322k€304k▼
Tangible fixed assets22/27€322k€304k▼
Land and buildings22€322k€304k▼
Current assets29/58€62k€41k▼
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€10k€12k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€46k€26k▼
Deferred charges and accrued income490/1€5k€285▼
Equity and liabilities
Total equity and liabilities10/49€384k€345k▼
Equity10/15€40k€55k▲
Contributions10/11€20k€20k=
Reserves13€19k€33k▲
Distributable reserves133€19k€33k▲
Profit (loss) carried forward14€803€2k▲
Amounts payable17/49€344k€290k▼
Amounts payable after more than one year17€259k€243k▼
Financial debts170/4€246k€232k▼
Other amounts payable178/9€13k€11k▼
Amounts payable within one year42/48€85k€47k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€60k€21k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€5k€2k▼
Gross operating margin9900€46k€47k▲
Operating profit (loss)9901€23k€27k▲
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€17k€22k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€12k€15k▲
Profit (loss) for the period to be appropriated9905€12k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€16k▲
Profit (loss) brought forward from the previous period14P€124€803▲
Transfer to equity691/2€11k€14k▲
To other reserves6921€11k€14k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 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, Seraing · 1 establishment unit 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.
Rue du Charbonnage 14100 SeraingGround area
991 m²
Building footprint
593 m²
Volume, LiDAR
3,084 m³
Parcel 62096A0288/00F006, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FOND DU VAL
since 20202.310.137.251
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62096A0288/00F006 | Wallonia | 991 m² | 1 · 593 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
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Of 1,029 companies in sector 52100 we hold annual accounts for 762. 323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL
52100Warehousing and storage
01610Support activities for crop production
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.