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VAL

Active
Private limited company·Activiteiten van interieurarchitecten· 2 yrs active
K.M.-Hendrikalaan 1A ·1190 Vorst, Belgium
KBO/BCE: BE 1005.455.676
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age2 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VAL is 1.2% (low). The 2024 annual accounts show equity of €103k and a net result of €3k. Its solvency ranks better than 17% of 3380 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.2% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 3380 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-09-2025, 52 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 21-09-2025 52 d late 2025-00496817

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€-68k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 21-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.9% 55.1%
better than 17% of 3380 sector peers
Net result €3k €19k
better than 24% of 3380 sector peers
Equity €103k €45k
better than 79% of 3382 sector peers
Gross operating margin €45k €38k
better than 56% of 3377 sector peers
Total assets €646k €95k
better than 95% of 3381 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€38k
Net profit€3k
Cash flow€20k
Staff costs-
Income taxes€1k
Dividends-
Total assets€646k
Equity€103k
Debt€543k
of which ≤ 1y€124k
of which > 1y€414k
Working capital€-68k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.45
Quick ratio0.45
Working capital ratio-10.6%
Solvency15.9%
Debt / equity5.28
Long-term debt ratio4.02
Interest coverage2.29
Gross margin-
Net margin-
ROA0.5%
ROE2.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€646k
Fixed assets 21/28€590k
Tangible fixed assets 22/27€590k
Current assets 29/58€56k
Cash & bank 54/58€56k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€646k
Equity 10/15€103k
Contributions / capital 10/11€100k
Reserves 13€3k
Amounts payable 17/49€543k
Amounts payable after one year 17€414k
Amounts payable within one year 42/48€124k
Trade debts payable within one year 44€387
Income statement
Gross operating margin 9900€45k
Operating result 9901€21k
Financial charges 65€17k
Result before taxes 9903€4k
Income taxes 67/77€1k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
31 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

K.M.-Hendrikalaan 1A1190 Vorst

Establishment units

1 location
VAL
K.M.-Hendrikalaan 1A, 1190 VorstManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20242.355.641.139
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health31Profitability14Solvency11Growth-Stability67
31 / 100

Fragile profile, watch solvency in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 31
Profitability 14
Solvency 11
Growth -
Stability 67

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 359 of the 3,940 companies in this sector. 282 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Interieurarchitecten71112Activiteiten van interieurarchitecten71112
Primary activity highlighted.
Names & trade names
Legal nameNL VAL
Registered office
K.M.-Hendrikalaan 1A
1190 Vorst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.