Financials
- Fiscal year
- 2025
- Total assets
- €269,243
- Loss
- -€3,389
- Solvency
- 2.5%
IMMO VALMA
ActiveSummary
IMMO VALMA has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,611 and a net result of -€3,389. Its solvency ranks better than 23% of 16,777 sector peers (NACE 68, fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Development of residential building projects
NACE 68121
1 site
Size
€269,243total assets 2025
- Equity
- €6,611
- Loss
- -€3,389
Turnover not published (abridged schema)
Structure
Accounts filed 26 days late0 of 1 deed read
Why 85- Equity €6,611 (2.5% of total assets)+ Sector Real estate activities (NACE 68)+ Liquidity: current ratio 1.02, cash €147,282+ Size: total assets €269,243Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 30% of its sector peers (NACE 68, micro)
Financial strength
Weak
Solvency
27
equity 2.5% of total assets
Liquidity
50
short-term debt 97.5% · cash 54.7%
Profitability
17
return on assets -1.3%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2026: 0.6%
07-2026: 0.7%▲ +0.1 percentage points vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026highest value
09-2026: 0.2%▼ -0.5 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02; short-term debt: 97.5% and cash: 54.7% of total assets), and 97.5% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 22% on solvency, 49% on liquidity and 19% on profitability.
The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 16777 sector peers (2025).
NBB · sector comparisonPosition among 16777 sector peers
Solvency
better than 23%
← weakest
strongest →
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 days late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Development of residential building projectsNACE 68121
- Founded
- 09-05-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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