MAISON VALENÇON
ActiveSummary
The computed 12-month bankruptcy probability of MAISON VALENÇON is 2.2% (moderate). The 2025 annual accounts show equity of €425k and a net result of €-6k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 800 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-27
Solvency52▼-8
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.59 in 2024; short-term debt: 63.9% and cash: 19.5% of total assets), and 73% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
94 d early
2023
58 d early
2022
3 d late
2021
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-6k
2024 · €36k
2021: €69k
2022: €69k
2023: €46k
2024: €36k
2021 → 2025
Working capital
€215k▲ 13.5%
2024 · €189k
2021: €89k
2022: €146k
2023: €202k
2024: €189k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€163k▲ 73.6%€208k▲ 28.2%€244k▲ 17.1%€425k▲ 74.3%
Operating result€94k-€79k▼ 15.4%€54k▼ 31.1%€48k▼ 11.3%€10k▼ 79.6%
Net result€69k-€69k▲ 0.4%€46k▼ 33.6%€36k▼ 22.2%€-6k
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.54M
Fixed assets
€317k ▲ 63.3%
Current assets
€1.22M ▲ 141%
Equity and liabilities €1.58M
Equity
€425k ▲ 74.3%
Provisions
€27k
Debt
€1.12M ▲ 145%
Debt's share of the balance-sheet total rises from 65.2% to 71.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€81k▼
2024 · €89k
Cash flow
€65k▼
2024 · €77k
Current ratio
1.21▼
2024 · 1.59
Quick ratio
1.09▼
2024 · 1.41
Debt to equity
2.64▲
2024 · 1.88
ROE
-1.3%▼
2024 · 14.6%
ROA
-0.4%▼
2024 · 5.1%
Interest coverage
3.60▼
2024 · 8.14
Debt ≤ 1 year
€1.01M▲
2024 · €318k
Debt > 1 year
€117k▼
2024 · €140k
Income taxes
€5k▲
2024 · €2k
Staff costs
€727k▲
2024 · €529k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€702k€1.58M▲
Formation expenses20-€37k
Fixed assets21/28€194k€317k▲
Intangible fixed assets21€123k€139k▲
Tangible fixed assets22/27€71k€178k▲
Plant, machinery and equipment23€24k€48k▲
Furniture and vehicles24€26k€49k▲
Leasing and similar rights25€11k€6k▼
Other tangible fixed assets26-€66k
Assets under construction and advance payments27€10k€10k=
Current assets29/58€507k€1.22M▲
Stocks and contracts in progress3€59k€125k▲
Stocks30/36€59k€125k▲
Amounts receivable within one year40/41€227k€778k▲
Trade receivables40€207k€362k▲
Other amounts receivable41€20k€416k▲
Cash at bank and in hand54/58€219k€306k▲
Deferred charges and accrued income490/1€3k€12k▲
Equity and liabilities
Total equity and liabilities10/49€702k€1.58M▲
Equity10/15€244k€425k▲
Contributions10/11€25k€51k▲
Reserves13-€147k
Non-distributable reserves130/1-€3k
Reserves not available under the articles1311-€3k
Tax-exempt reserves132-€98k
Distributable reserves133-€46k
Profit (loss) carried forward14€219k€227k▲
Provisions and deferred taxes16-€27k
Deferred taxes168-€27k
Amounts payable17/49€458k€1.12M▲
Amounts payable after more than one year17€140k€117k▼
Financial debts170/4€140k€117k▼
Amounts payable within one year42/48€318k€1.01M▲
Current portion of amounts payable after more than one year42€37k€38k▲
Financial debts43-€100k
Credit institutions430/8-€100k
Trade debts44€174k€745k▲
Suppliers440/4€174k€745k▲
Taxes, remuneration and social security45€85k€101k▲
Taxes450/3€12k€14k▲
Remuneration and social security454/9€73k€88k▲
Other amounts payable47/48€23k€23k=
Income statement
Code20242025
Remuneration, social security and pensions62€529k€727k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€71k▲
Other operating charges640/8€4k€16k▲
Gross operating margin9900€623k€823k▲
Operating profit (loss)9901€48k€10k▼
Financial income75/76B€348€8k▲
Recurring financial income75€348€8k▲
Financial charges65/66B€11k€22k▲
Recurring financial charges65€11k€22k▲
Profit (loss) for the period before taxes9903€38k€-5k▼
Transfer from deferred taxes780-€4k
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€36k€-6k▼
Transfer from tax-exempt reserves789-€14k
Profit (loss) for the period to be appropriated9905€36k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€219k€227k▲
Profit (loss) brought forward from the previous period14P€183k€219k▲
Social balance
Average headcount (FTE)908712.917.0▲
The notes to these accounts (30 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-6k ▼116%
Net result drops to €-6k, the lowest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €200kEq €208k ▲28.2%
3 profitable years in a row build equity to €208k.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
2022
31-12
Financial
Highest result since 2021net €69k ▲0.4%
Net result €69k, the highest in the series.
31-12
Financial
Equity above €150kEq €163k ▲73.6%
2 profitable years in a row build equity to €163k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Blégny · 1 establishment unit since 2021
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 de la Princesse Astrid 14671 Blégny1 establishment unit
AVIGAUF
since 20212.312.747.541
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlégny2.312.747.541
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G & M PASS
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Of 4,226 companies in sector 10712 we hold annual accounts for 1,870. 1,284 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Scores and ratios are computed by Checked and are not a credit decision.