ION & VALY CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of ION & VALY CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €3k and a net result of €2k. Its solvency ranks better than 81% of 27711 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€3k
Total assets
€4k
Net result
€2k
Working capital
€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €4k
Equity
€3k
Debt
€876
Debt finances 24.2% of the balance-sheet total.
Key figures and ratios
Debt
€876
Debt ≤ 1 year
€876
Income taxes
€600
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€4k
Current assets29/58€4k
Amounts receivable within one year40/41€3k
Trade receivables40€3k
Other amounts receivable41€326
Cash at bank and in hand54/58€688
Equity and liabilities
Total equity and liabilities10/49€4k
Equity10/15€3k
Contributions10/11€500
Profit (loss) carried forward14€2k
Amounts payable17/49€876
Amounts payable within one year42/48€876
Trade debts44€276
Suppliers440/4€276
Taxes, remuneration and social security45€600
Taxes450/3€600
Income statement
Code2025
Other operating charges640/8€331
Gross operating margin9900€3k
Operating profit (loss)9901€3k
Financial charges65/66B€33
Recurring financial charges65€33
Profit (loss) for the period before taxes9903€3k
Income taxes67/77€600
Profit (loss) for the period9904€2k
Profit (loss) for the period to be appropriated9905€2k
Appropriation of the result
Profit (loss) to be appropriated9906€2k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Ottignies-Louvain-la-Neuve
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.
Avenue Albert Ier 1321342 Ottignies-Louvain-la-NeuveGround area
103 m²
Building footprint
103 m²
Parcel 25056B0363/00K007, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056B0363/00K007 | Wallonia | 103 m² | 1 · 103 m² | - |
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
RUTTEN E & J
BE 0762.583.118
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OMNIPIERRES
BE 0533.853.554
Meise · Eq €3k
Kawa Tegels
BE 1004.503.888
Antwerpen · Eq €3k
DBS DESIGN
BE 0787.316.534
Morlanwelz · Eq €3k
WIMOLUX
BE 0475.606.341
Sint-Niklaas · Eq €3k
Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2025
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43350Other building finishing work
43429Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.