Val Mosan
ActiveVal Mosan is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €16k and a net result of €1k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 7911 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
18 d late
2024
49 d early
2023
8 d early
2022
on the day
2021
26 d late
2020
8 d early
2019
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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 9.3%
2024 · €14k
2019: €9k
2020: €10k
2021: €11k
2022: €13k
2023: €13k
2024: €14k
2019 → 2025
Net result
€1k▲ 11.3%
2024 · €1k
2019: €3k
2020: €1k
2021: €1k
2022: €1k
2023: €396
2024: €1k
2019 → 2025
Total assets
€17k▲ 11.6%
2024 · €15k
2019: €10k
2020: €12k
2021: €12k
2022: €14k
2023: €13k
2024: €15k
2019 → 2025
Solvency
92.8%▼ 1.9pp
2024 · 94.7%
2019: 89.1%
2020: 87.5%
2021: 94.3%
2022: 93.0%
2023: 99.1%
2024: 94.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€13k▲ 11.7%€13k▲ 3.1%€14k▲ 9.1%€16k▲ 9.3%
Operating result€2k-€2k▲ 0.5%€549▼ 68.4%€2k▲ 216%€2k▲ 7.7%
Net result€1k-€1k▼ 1.5%€396▼ 70.6%€1k▲ 204%€1k▲ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €17k
Equity
€16k▲ 9.3%
Debt
€1k▲ 52.1%
The debt ratio rises from 5.3% to 7.2%: debt grows faster than equity.
Key figures and ratios
Solvency
92.8%▼
2024 · 94.7%
ROE
8.5%▲
2024 · 8.3%
ROA
7.9%▼
2024 · 7.9%
Debt
€1k▲
2024 · €807
Debt ≤ 1 year
€1k▲
2024 · €807
Income taxes
€487▼
2024 · €490
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€15k€17k▲
Current assets29/58€15k€17k▲
Amounts receivable within one year40/41€8k€7k▼
Trade receivables40€2k€933▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€8k€10k▲
Equity and liabilities
Total equity and liabilities10/49€15k€17k▲
Equity10/15€14k€16k▲
Contributions10/11€6k€6k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€2k€4k▲
Amounts payable17/49€807€1k▲
Amounts payable within one year42/48€807€1k▲
Taxes, remuneration and social security45€604€1k▲
Taxes450/3€604€1k▲
Other amounts payable47/48€203€203=
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€2k€2k▲
Operating profit (loss)9901€2k€2k▲
Financial charges65/66B€42€42=
Recurring financial charges65€42€42=
Profit (loss) for the period before taxes9903€2k€2k▲
Income taxes67/77€490€487▼
Profit (loss) for the period9904€1k€1k▲
Profit (loss) for the period to be appropriated9905€1k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Profit (loss) brought forward from the previous period14P€1k€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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €396 ▼70.6%
Net result drops to €396, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 116.93
Current ratio from 14.35 to 116.93; short-term debt falls from €961 to €114.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 17.54
Current ratio from 8.02 to 17.54; short-term debt falls from €1k to €694.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 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, Gesves · 1 establishment unit since 2018
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.
Francesse 35340 GesvesGround area
1.6 ha
Building footprint
127 m²
Parcel 92054D0192/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Val Mosan
since 20182.275.229.030
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054D0192/00N000 | Wallonia | 1.6 ha | 1 · 127 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.
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Of 24,642 companies in sector 64210 we hold annual accounts for 19,692. 6,551 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.