S&V Vallez
ActiveS&V Vallez has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €285k and a net result of €81k. Its solvency ranks better than 95% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 17.82 against 13.54 in 2024), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95%
Return on assets
27.1%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
28 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€285k▲ 39.9%
2024 · €203k
2024: €203k
2024 → 2025
Total assets
€300k▲ 37.1%
2024 · €218k
2024: €218k
2024 → 2025
Net result
€81k▲ 29.0%
2024 · €63k
2024: €63k
2024 → 2025
Working capital
€252k▲ 33.8%
2024 · €188k
2024: €188k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€203k-€285k▲ 39.9%
Operating result€80k-€104k▲ 30.3%
Net result€63k-€81k▲ 29.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€33k▲ 115%
Current assets
€267k▲ 31.3%
Equity and liabilities €300k
Equity
€285k▲ 39.9%
Debt
€15k▼ 0.3%
The debt ratio falls from 6.9% to 5.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▲
2024 · €88k
Cash flow
€90k▲
2024 · €71k
Solvency
95.0%▲
2024 · 93.1%
Current ratio
17.82▲
2024 · 13.54
Quick ratio
9.59▲
2024 · 6.75
Debt / equity
0.05▼
2024 · 0.07
ROE
28.5%▼
2024 · 30.9%
ROA
27.1%▼
2024 · 28.8%
Interest coverage
2063.56▲
2024 · 1619.87
Debt
€15k▼
2024 · €15k
Debt ≤ 1 year
€15k▼
2024 · €15k
Income taxes
€23k▲
2024 · €17k
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€218k€300k▲
Fixed assets21/28€15k€33k▲
Intangible fixed assets21€24-
Tangible fixed assets22/27€15k€33k▲
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€10k€31k▲
Current assets29/58€203k€267k▲
Stocks and contracts in progress3€102k€123k▲
Stocks30/36€102k€123k▲
Amounts receivable within one year40/41€9k€28k▲
Trade receivables40€5k€23k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€90k€112k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€218k€300k▲
Equity10/15€203k€285k▲
Contributions10/11€1k€1k=
Reserves13€202k€284k▲
Distributable reserves133€202k€284k▲
Amounts payable17/49€15k€15k▼
Amounts payable within one year42/48€15k€15k▼
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€334-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€89k€114k▲
Operating profit (loss)9901€80k€104k▲
Financial income75/76B€258€18▼
Recurring financial income75€258€18▼
Financial charges65/66B€54€55▲
Recurring financial charges65€54€55▲
Profit (loss) for the period before taxes9903€80k€104k▲
Income taxes67/77€17k€23k▲
Profit (loss) for the period9904€63k€81k▲
Profit (loss) for the period to be appropriated9905€63k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€81k▲
Transfer to equity691/2€63k€81k▲
To other reserves6921€63k€81k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
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, Geraardsbergen · 1 establishment unit since 2022
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.
Waterloos(Oph) 489500 GeraardsbergenGround area
2,313 m²
Building footprint
207 m²
Volume, LiDAR
983 m³
Parcel 41053A0952/00D000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S&V Vallez
since 20222.330.155.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41053A0952/00D000 | Flanders | 2,313 m² | 1 · 207 m² | 8.1 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.
Recognitions · licences · registrations
Recognised contractor
6 categoriesS&V Vallez CommV.44343
Similar companies · same sector, comparable size
DEIXIS
BE 0831.438.171
Sint-Jans-Molenbeek · Eq €284k
Aurora Gent-Ninove
BE 1004.732.829
Antwerpen · Eq €287k
AMV RENOV
BE 0659.723.625
Schaarbeek · Eq €281k
Hendrikx Projects
BE 0686.560.951
Oudsbergen · Eq €292k
BOUW EN RENOVATIE & TECHNIEKEN
BE 0819.266.750
Maldegem · Eq €276k
Of 2,430 companies in sector 41003 we hold annual accounts for 1,048. 679 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded14-04-2022
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
68122Development of non-residential building projects
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.