GERT VALENT
ActiveGERT VALENT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €16k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+10
Solvency91▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 2.46 in 2024; short-term debt: 33.7% and cash: 32.3% of total assets), and 33.7% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
66.3%
Return on assets
10.5%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
4 d early
2023
4 d early
2022
1 d early
2021
2 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▲ 0.8%
2024 · €103k
2018: €34k
2019: €37k
2020: €51k
2021: €72k
2022: €89k
2023: €103k
2024: €103k
2018 → 2025
Total assets
€156k▼ 5.1%
2024 · €165k
2018: €193k
2019: €169k
2020: €159k
2021: €200k
2022: €168k
2023: €182k
2024: €165k
2018 → 2025
Net result
€16k▲ 254%
2024 · €5k
2018: €8k
2019: €3k
2020: €14k
2021: €38k
2022: €24k
2023: €23k
2024: €5k
2018 → 2025
Working capital
€87k▼ 3.0%
2024 · €89k
2018: €-33k
2019: €-34k
2020: €-20k
2021: €78k
2022: €80k
2023: €90k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€89k▲ 23.5%€103k▲ 15.6%€103k▼ 0.4%€104k▲ 0.8%
Operating result€53k-€37k▼ 30.3%€36k▼ 4.0%€11k▼ 70.4%€25k▲ 141%
Net result€38k-€24k▼ 36.7%€23k▼ 2.3%€5k▼ 80.1%€16k▲ 254%
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 141% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€17k▲ 21.9%
Current assets
€139k▼ 7.5%
Equity and liabilities €156k
Equity
€104k▲ 0.8%
Debt
€53k▼ 14.9%
The debt ratio falls from 37.6% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €17k
Cash flow
€26k▲
2024 · €11k
Solvency
66.3%▲
2024 · 62.4%
Current ratio
2.65▲
2024 · 2.46
Quick ratio
2.27▲
2024 · 2.05
Debt / equity
0.51▼
2024 · 0.60
ROE
15.8%▲
2024 · 4.5%
ROA
10.5%▲
2024 · 2.8%
Interest coverage
57.76▲
2024 · 7.40
Debt
€53k▼
2024 · €62k
Debt ≤ 1 year
€53k▼
2024 · €61k
Income taxes
€9k▲
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€165k€156k▼
Fixed assets21/28€14k€17k▲
Tangible fixed assets22/27€14k€17k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€14k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€151k€139k▼
Stocks and contracts in progress3€25k€20k▼
Stocks30/36€10k€10k▼
Contracts in progress37€15k€10k▼
Amounts receivable within one year40/41€86k€68k▼
Trade receivables40€76k€66k▼
Other amounts receivable41€10k€2k▼
Cash at bank and in hand54/58€39k€50k▲
Deferred charges and accrued income490/1€930€1k▲
Equity and liabilities
Total equity and liabilities10/49€165k€156k▼
Equity10/15€103k€104k▲
Contributions10/11€6k€6k=
Reserves13€97k€97k▲
Distributable reserves133€97k€97k▲
Amounts payable17/49€62k€53k▼
Amounts payable within one year42/48€61k€53k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44€37k€29k▼
Suppliers440/4€37k€29k▼
Taxes, remuneration and social security45€4k€969▼
Taxes450/3€4k€969▼
Other amounts payable47/48€14k€22k▲
Accrued charges and deferred income492/3€500-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€10k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€18k€37k▲
Operating profit (loss)9901€11k€25k▲
Financial income75/76B€282€215▼
Recurring financial income75€282€215▼
Financial charges65/66B€2k€609▼
Recurring financial charges65€2k€609▼
Profit (loss) for the period before taxes9903€9k€25k▲
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€5k€16k▲
Profit (loss) for the period to be appropriated9905€5k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€16k▲
Transfer from equity791/2€3k€14k▲
Transfer to equity691/2€3k€15k▲
To other reserves6921€3k€15k▲
Profit to be distributed694/7€5k€15k▲
Return on contributions (dividend)694€5k€15k▲
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
Next filing, fiscal year 2026, expected by
2026
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €103k ▲15.6%
6 profitable years in a row build equity to €103k.
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €38k ▲172%
Operating result €53k, net result €38k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 1.83
Current ratio from 0.75 to 1.83.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €3k ▼60%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 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, Stekene · 1 establishment unit since 2012
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.
Donkerhofstede(STE) 109190 StekeneGround area
711 m²
Building footprint
301 m²
Volume, LiDAR
1,266 m³
Parcel 46322D1005/00B000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GERT VALENT
since 20122.211.968.006
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322D1005/00B000 | Flanders | 711 m² | 1 · 301 m² | 7.2 m · 1 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.
Similar companies · same sector, comparable size
Maes Renovatie
BE 0713.737.876
Nijlen · Eq €104k
JOL MENUISERIE
BE 0537.489.173
Tubize · Eq €104k
Dewinter Roland et Cédric Frères
BE 0881.940.925
Wavre · Eq €104k
WYNEN
BE 0477.604.343
Rijkevorsel · Eq €104k
KINEWOOD
BE 0848.268.265
Sint-Genesius-Rode · Eq €104k
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2012
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.