GINO VALKENBORG
ActiveGINO VALKENBORG has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €-5k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-19
Solvency58▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.98 against 1.07 in 2024; short-term debt: 21.7% and cash: 0.5% of total assets), and 66.9% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
33.1%
Return on assets
-1.5%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
on the day
2023
on the day
2022
3 d early
2021
3 d late
2020
9 d late
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▼ 4.4%
2024 · €120k
2019: €73k
2020: €73k
2021: €95k
2022: €98k
2023: €107k
2024: €120k
2019 → 2025
Total assets
€347k▼ 19.2%
2024 · €429k
2019: €455k
2020: €421k
2021: €452k
2022: €441k
2023: €470k
2024: €429k
2019 → 2025
Net result
€-5k
2024 · €13k
2019: €130
2020: €456
2021: €21k
2022: €3k
2023: €9k
2024: €13k
2019 → 2025
Working capital
€-2k
2024 · €8k
2019: €36k
2020: €45k
2021: €62k
2022: €61k
2023: €8k
2024: €8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€98k▲ 3.7%€107k▲ 8.9%€120k▲ 12.5%€115k▼ 4.4%
Operating result€31k-€10k▼ 67.0%€18k▲ 77.7%€28k▲ 54.1%€2k▼ 91.8%
Net result€21k-€3k▼ 83.7%€9k▲ 152%€13k▲ 53.0%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €347k
Fixed assets
€273k▼ 10.0%
Current assets
€73k▼ 41.3%
Equity and liabilities €347k
Equity
€115k▼ 4.4%
Debt
€232k▼ 24.9%
The debt ratio falls from 72.0% to 66.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €65k
Cash flow
€30k▼
2024 · €50k
Solvency
33.1%▲
2024 · 28.0%
Current ratio
0.98▼
2024 · 1.07
Quick ratio
0.74▼
2024 · 0.75
Debt / equity
2.02▼
2024 · 2.57
ROE
-4.6%▼
2024 · 11.1%
ROA
-1.5%▼
2024 · 3.1%
Interest coverage
4.43▼
2024 · 6.29
Debt
€232k▼
2024 · €308k
Debt ≤ 1 year
€75k▼
2024 · €117k
Debt > 1 year
€156k▼
2024 · €190k
Income taxes
€0▼
2024 · €6k
Staff costs
€62k▼
2024 · €72k
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€429k€347k▼
Fixed assets21/28€304k€273k▼
Tangible fixed assets22/27€303k€272k▼
Land and buildings22€223k€203k▼
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€48k€34k▼
Assets under construction and advance payments27€30k€30k=
Financial fixed assets28€750€750=
Current assets29/58€125k€73k▼
Stocks and contracts in progress3€38k€18k▼
Stocks30/36€7k€4k▼
Contracts in progress37€31k€14k▼
Amounts receivable within one year40/41€77k€41k▼
Trade receivables40€63k€29k▼
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58€181€2k▲
Deferred charges and accrued income490/1€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€429k€347k▼
Equity10/15€120k€115k▼
Contributions10/11€20k€20k=
Reserves13€72k€72k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€72k€72k=
Profit (loss) carried forward14€28k€23k▼
Amounts payable17/49€308k€232k▼
Amounts payable after more than one year17€190k€156k▼
Financial debts170/4€190k€156k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€117k€75k▼
Current portion of amounts payable after more than one year42€36k€36k▼
Financial debts43€4k€0▼
Credit institutions430/8€4k€0▼
Trade debts44€63k€35k▼
Suppliers440/4€63k€35k▼
Advances received on contracts in progress46€4k€0▼
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€6k€187▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€2k€80▼
Income statement
Code20242025
Non-recurring operating income76A€11k€0▼
Remuneration, social security and pensions62€72k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€36k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€141k€105k▼
Operating profit (loss)9901€28k€2k▼
Financial income75/76B€1k€951▼
Recurring financial income75€1k€951▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€19k€-5k▼
Income taxes67/77€6k€0▼
Profit (loss) for the period9904€13k€-5k▼
Profit (loss) for the period to be appropriated9905€13k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€23k▼
Profit (loss) brought forward from the previous period14P€28k€28k=
Transfer to equity691/2€13k€0▼
To other reserves6921€13k€0▼
The notes to these accounts (16 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-5k ▼140%
Net result drops to €-5k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €100kEq €107k ▲8.9%
5 profitable years in a row build equity to €107k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €21k ▲4574%
Operating result €31k, net result €21k, both a record.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
10-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kalmthout · 1 establishment unit since 2002
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.
Putsesteenweg (C) 152920 KalmthoutGround area
1,497 m²
Building footprint
192 m²
Volume, LiDAR
1,248 m³
Parcel 11022G0709/00G000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GINO VALKENBORG BVBA
since 20022.095.578.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0709/00G000 | Flanders | 1,497 m² | 1 · 192 m² | 10.1 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.
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VANDEGAER
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KR IMMO PROJECTS
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BOUWBEDRIJF ENGELEN
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,012 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2001
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.