Sardi-Valley
ActiveThe computed 12-month bankruptcy probability of Sardi-Valley is 2.4% (moderate). The 2024 annual accounts show equity of €16k and a net result of €13k. Its solvency ranks better than 65% of 9623 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+29
Solvency77▲+33
Growth78
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 0.44 in 2023; short-term debt: 48.3% and cash: 5.8% of total assets), and 48.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
51.7%
Return on assets
41%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€16k▲ 384%
2023 · €3k
2023: €3k
2023 → 2024
Total assets
€31k▲ 73.6%
2023 · €18k
2023: €18k
2023 → 2024
Net result
€13k▲ 4,518%
2023 · €272
2023: €272
2023 → 2024
Working capital
€7k
2023 · €-8k
2023: €-8k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€3k-€16k▲ 384%
Operating result€418-€13k▲ 2,976%
Net result€272-€13k▲ 4,518%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 2,976% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €31k
Fixed assets
€9k▼ 22.9%
Current assets
€22k▲ 245%
Equity and liabilities €31k
Equity
€16k▲ 384%
Debt
€15k▲ 2.9%
The debt ratio falls from 81.4% to 48.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €2k
Cash flow
€15k▲
2023 · €2k
Solvency
51.7%▲
2023 · 18.6%
Current ratio
1.48▲
2023 · 0.44
Quick ratio
1.10▲
2023 · 0.05
Debt / equity
0.93▼
2023 · 4.39
ROE
79.3%▲
2023 · 8.3%
ROA
41.0%▲
2023 · 1.5%
Interest coverage
50.83▲
2023 · 27.50
Debt
€15k▲
2023 · €14k
Debt ≤ 1 year
€15k▲
2023 · €14k
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€18k€31k▲
Fixed assets21/28€11k€9k▼
Intangible fixed assets21€11k€9k▼
Financial fixed assets28-€14
Current assets29/58€6k€22k▲
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€182€6k▲
Trade receivables40-€1k
Other amounts receivable41€182€4k▲
Cash at bank and in hand54/58€532€2k▲
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€18k€31k▲
Equity10/15€3k€16k▲
Contributions10/11€3k€3k=
Outside capital11-€3k
Other1109/19-€3k
Reserves13€272€272▲
Distributable reserves133€272€272▲
Profit (loss) carried forward14-€13k
Amounts payable17/49€14k€15k▲
Amounts payable within one year42/48€14k€15k▲
Trade debts44€4k-
Suppliers440/4€4k-
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€68€68▲
Taxes450/3€68€68▲
Other amounts payable47/48€10k€6k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8-€148
Gross operating margin9900€2k€16k▲
Operating profit (loss)9901€418€13k▲
Financial charges65/66B€78€304▲
Recurring financial charges65€78€304▲
Profit (loss) for the period before taxes9903€340€13k▲
Income taxes67/77€68-
Profit (loss) for the period9904€272€13k▲
Profit (loss) for the period to be appropriated9905€272€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€272€13k▲
Transfer to equity691/2€272-
To other reserves6921€272-
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
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.48
Current ratio from 0.44 to 1.48.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mechelen · 1 establishment unit since 2023
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.
Hoogstraat 812800 MechelenGround area
146 m²
Building footprint
69 m²
Volume, LiDAR
572 m³
Parcel 12025D0893/00A003, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sardi-Valley
since 20232.345.746.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D0893/00A003 | Flanders | 146 m² | 1 · 69 m² | 13.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.345.746.743
Dual-learning approval
2 live approvalsWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 3,951 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.
Contact details
1 entryE-mail:afraz.has.acc@gmail.com