VALBONA
ActiveVALBONA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €42k and a net result of €375. Equity is growing by ~34.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 2541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.79 against 3.5 in 2023; short-term debt: 21.5% and cash: 79.9% of total assets), and 21.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
78.5%
Return on assets
0.7%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-06-2025, 40 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
40 d early
2023
25 d late
2022
8 d early
2021
34 d late
2020
19 d early
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€42k▲ 0.9%
2023 · €41k
2018: €9k
2019: €2k
2020: €8k
2021: €23k
2022: €40k
2023: €41k
2018 → 2024
Total assets
€53k▼ 1.9%
2023 · €54k
2018: €19k
2019: €26k
2020: €29k
2021: €43k
2022: €62k
2023: €54k
2018 → 2024
Net result
€375▼ 69.1%
2023 · €1k
2018: €-3k
2019: €-9k
2020: €5k
2021: €15k
2022: €18k
2023: €1k
2018 → 2024
Working capital
€32k▼ 0.4%
2023 · €32k
2018: €3k
2019: €-21k
2020: €-12k
2021: €9k
2022: €24k
2023: €32k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€8k-€23k▲ 198%€40k▲ 77.6%€41k▲ 3.0%€42k▲ 0.9%
Operating result€6k-€16k▲ 180%€23k▲ 39.5%€2k▼ 92.2%€2k▲ 30.4%
Net result€5k-€15k▲ 189%€18k▲ 16.9%€1k▼ 93.1%€375▼ 69.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 30% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €53k
Fixed assets
€10k▲ 5.3%
Current assets
€43k▼ 3.4%
Equity and liabilities €53k
Equity
€42k▲ 0.9%
Debt
€11k▼ 11.0%
The debt ratio falls from 23.7% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2023 · €9k
Cash flow
€5k▼
2023 · €8k
Solvency
78.5%▲
2023 · 76.3%
Current ratio
3.79▲
2023 · 3.50
Quick ratio
3.79▲
2023 · 3.50
Debt / equity
0.27▼
2023 · 0.31
ROE
0.9%▼
2023 · 2.9%
ROA
0.7%▼
2023 · 2.2%
Interest coverage
5.20▼
2023 · 57.76
Debt
€11k▼
2023 · €13k
Debt ≤ 1 year
€11k▼
2023 · €13k
Income taxes
€721▲
2023 · €407
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€54k€53k▼
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€9k€10k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€4k€3k▼
Current assets29/58€45k€43k▼
Amounts receivable within one year40/41€1k€486▼
Trade receivables40€1k-
Other amounts receivable41-€486
Cash at bank and in hand54/58€42k€43k▲
Deferred charges and accrued income490/1€2k€401▼
Equity and liabilities
Total equity and liabilities10/49€54k€53k▼
Equity10/15€41k€42k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€26k€27k▲
Amounts payable17/49€13k€11k▼
Amounts payable within one year42/48€13k€11k▼
Trade debts44€748€208▼
Suppliers440/4€748€208▼
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€3k€1k▼
Remuneration and social security454/9€6k€10k▲
Other amounts payable47/48€3k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€11k€9k▼
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€2€31▲
Recurring financial income75€2€31▲
Financial charges65/66B€149€1k▲
Recurring financial charges65€149€1k▲
Profit (loss) for the period before taxes9903€2k€1k▼
Income taxes67/77€407€721▲
Profit (loss) for the period9904€1k€375▼
Profit (loss) for the period to be appropriated9905€1k€375▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€27k▲
Profit (loss) brought forward from the previous period14P€25k€26k▲
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
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €18k ▲16.9%
Operating result €23k, net result €18k, both a record.
03-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 34 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 1.49
Current ratio from 0.42 to 1.49; short-term debt falls from €22k to €19k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jette · 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.
Ontmijnerslaan 291090 JetteGround area
164 m²
Building footprint
116 m²
Volume, LiDAR
1,434 m³
Parcel 21463D0294/00V000, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ontmijnerslaan 29, 1090 Jette
since 20182.274.312.676
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463D0294/00V000 | Brussels | 164 m² | 1 · 116 m² | 15.5 m · 4 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.
Similar companies · same sector, comparable size
HNLI
BE 0788.225.661
Wemmel · Eq €42k
RIJSCHOLEN HEYMANS BV
BE 0890.944.010
Opwijk · Eq €42k
S&I Company
BE 1002.678.805
Berlare · Eq €41k
MOTIV-PERMIS
BE 1006.169.518
Brussel · Eq €43k
AE WE-DRIVE
BE 0719.383.375
Brussel · Eq €40k
Of 1,037 companies in sector 85531 we hold annual accounts for 346. 272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2018
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.