Immo Valent
ActiveThe file of Immo Valent contains 3 judicial reorganisations, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is ≥ 25% (high). The 2024 annual accounts show negative equity (€-15k) and a net result of €-4k. Equity is shrinking by ~40% per year across the filed fiscal years. Its solvency ranks better than 6% of 19348 sector peers (fiscal year 2024).
Checked score
Score 2024
0
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-7
Solvency0=
Growth32=
Track record60
Bankruptcy probability, 12 months
≥ 25%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.52 in 2023; short-term debt: 162% and cash: 0.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-62%
Return on assets
-14.9%
Age of the figures
20 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-15k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-09-2025, 45 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
45 d late
2023
240 d late
2022
305 d late
2021
670 d late
2020
61 d late
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▼ 59.9%
2023 · €-2k
2018: €3k
2019: €-5k
2020: €14k
2021: €-8k
2022: €-21k
2023: €-2k
2018 → 2024
Working capital
€-18k▼ 8.8%
2023 · €-16k
2018: €11k
2019: €6k
2020: €18k
2021: €661
2022: €-16k
2023: €-16k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€12k▼ 40.7%€-9k€-11k▼ 24.6%€-15k▼ 31.6%
Operating result€6k-€4k▼ 33.8%€-19k€-2k▲ 88.7%€-3k▼ 50.6%
Net result€14k-€-8k€-21k▼ 155%€-2k▲ 89.4%€-4k▼ 59.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €2k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €24k
Fixed assets
€3k▼ 43.1%
Current assets
€21k▲ 18.0%
Key figures and ratios
EBITDA
€-1k▼
2023 · €-58
Cash flow
€-1k▼
2023 · €-94
Solvency
-62.0%▼
2023 · -49.3%
Current ratio
0.54▲
2023 · 0.52
Quick ratio
0.54▲
2023 · 0.52
Debt / equity
-2.61▲
2023 · -3.03
ROA
-14.9%▼
2023 · -9.8%
Interest coverage
-4.47▼
2023 · -0.72
Debt
€39k▲
2023 · €34k
Debt ≤ 1 year
€39k▲
2023 · €34k
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€23k€24k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€938▼
Financial fixed assets28€60€60=
Current assets29/58€18k€21k▲
Amounts receivable within one year40/41€16k€21k▲
Trade receivables40€15k€21k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€2k€36▼
Equity and liabilities
Total equity and liabilities10/49€23k€24k▲
Equity10/15€-11k€-15k▼
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-33k€-36k▼
Amounts payable17/49€34k€39k▲
Amounts payable within one year42/48€34k€39k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€18k€25k▲
Suppliers440/4€18k€25k▲
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€16k€13k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€630€3k▲
Gross operating margin9900€571€2k▲
Operating profit (loss)9901€-2k€-3k▼
Financial income75/76B€45-
Recurring financial income75€45-
Financial charges65/66B€81€263▲
Recurring financial charges65€81€263▲
Profit (loss) for the period before taxes9903€-2k€-4k▼
Profit (loss) for the period9904€-2k€-4k▼
Profit (loss) for the period to be appropriated9905€-2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-36k▼
Profit (loss) brought forward from the previous period14P€-30k€-33k▼
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
13-10
Judicial reorganisation
Plan homologation
Tribunal de l’entreprise du Hainaut · 20250017 · event 06-10-2025
14-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 45 days late
08-08
Judicial reorganisation
Extension
Tribunal de l’entreprise du Hainaut · collectif · event 08-07-2025
25-04
Judicial reorganisation
Opening
Tribunal de l’entreprise du Hainaut · collectif · event 18-04-2025
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 240 days late
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 305 days late
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 670 days late
2022
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2016
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 Vandervelde 356041 CharleroiGround area
45 m²
Building footprint
23 m²
Volume, LiDAR
232 m³
Parcel 52028E0337/00L000, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bureau de gestion Immovalent group
since 20162.251.116.810
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028E0337/00L000 | Wallonia | 45 m² | 1 · 23 m² | 10.5 m · 3 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
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WOLLAERT
BE 0772.982.013
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A.F.S. - VIDYA
BE 0472.724.154
Sint-Lambrechts-Woluwe · Eq €12k
MZ IMMO CONSULT
BE 1007.513.660
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VERTUMNE
BE 0429.917.460
Gesves · Eq €12k
Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 3,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2015
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
47120Other non-specialised retail sale
47910Retail trade
52210Service activities incidental to land transportation
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
68321Property management for co-owned buildings (syndics)
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.