VALCAM
ActiveSummary
VALCAM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €13k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 85% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency100▲+5
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 7.48 against 3.28 in 2024; short-term debt: 12.9% and cash: 93.6% of total assets), and 12.9% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
87.1%
Return on assets
40.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €28k
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 28-04-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
94 d early
2024
90 d early
2023
92 d early
2022
52 d early
2021
37 d early
2020
39 d early
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 78.1%
2024 · €16k
2018: €21k
2019: €29k
2020: €18k
2021: €29k
2022: €28k
2023: €20k
2024: €16k
2018 → 2025
Total assets
€32k▲ 44.0%
2024 · €22k
2018: €172k
2019: €162k
2020: €126k
2021: €102k
2022: €65k
2023: €41k
2024: €22k
2018 → 2025
Net result
€13k
2024 · €-5k
2018: €11k
2019: €10k
2020: €-11k
2021: €12k
2022: €-215
2023: €-7k
2024: €-5k
2018 → 2025
Working capital
€27k▲ 78.8%
2024 · €15k
2018: €-13k
2019: €6k
2020: €-1k
2021: €-13k
2022: €4k
2023: €4k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€28k▼ 3.5%€20k▼ 26.8%€16k▼ 22.9%€28k▲ 78.1%
Operating result€19k-€2k▼ 90.5%€-5k€-3k▲ 37.2%€17k
Net result€12k-€-215€-7k▼ 2,968%€-5k▲ 29.4%€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€1k ▲ 61.6%
Current assets
€31k ▲ 43.5%
Equity and liabilities €32k
Equity
€28k ▲ 78.1%
Debt
€4k ▼ 37.1%
Debt's share of the balance-sheet total falls from 29.6% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €17k
Cash flow
€14k▼
2024 · €15k
Current ratio
7.48▲
2024 · 3.28
Debt to equity
0.15▼
2024 · 0.42
ROE
46.9%▲
2024 · -29.7%
ROA
40.9%▲
2024 · -20.9%
Interest coverage
23.54▲
2024 · 11.29
Debt ≤ 1 year
€4k▼
2024 · €7k
Income taxes
€3k▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€32k▲
Fixed assets21/28€669€1k▲
Tangible fixed assets22/27€669€1k▲
Furniture and vehicles24€669€1k▲
Current assets29/58€22k€31k▲
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Cash at bank and in hand54/58€18k€30k▲
Deferred charges and accrued income490/1€2k€972▼
Equity and liabilities
Total equity and liabilities10/49€22k€32k▲
Equity10/15€16k€28k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-3k€9k▲
Amounts payable17/49€7k€4k▼
Amounts payable within one year42/48€7k€4k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€493€162▼
Suppliers440/4€493€162▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€788▼
Other operating charges640/8€2k€997▼
Gross operating margin9900€19k€19k▼
Operating profit (loss)9901€-3k€17k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€2k€747▼
Recurring financial charges65€2k€747▼
Profit (loss) for the period before taxes9903€-5k€16k▲
Income taxes67/77€128€3k▲
Profit (loss) for the period9904€-5k€13k▲
Profit (loss) for the period to be appropriated9905€-5k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€10k▲
Profit (loss) brought forward from the previous period14P€2k€-3k▼
Profit to be distributed694/7-€859
Return on contributions (dividend)694-€859
The notes to these accounts (7 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 7.48
Current ratio from 3.28 to 7.48; short-term debt falls from €7k to €4k.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.28
Current ratio from 1.23 to 3.28; short-term debt falls from €16k to €7k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-11k ▼217%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Liquidity doublescurrent ratio 1.18
Current ratio from 0.53 to 1.18.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Courcelles · 1 establishment unit since 2009
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.
Rue du Butia(TR) 1026183 CourcellesGround area
958 m²
Building footprint
203 m²
Volume, LiDAR
1,193 m³
Parcel 52066B0085/00C004, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VALCAM
since 20092.183.032.015
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52066B0085/00C004 | Wallonia | 958 m² | 1 · 203 m² | 9.1 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:sylvie.letot@outlook.be
Phone:0498699008
Fax:071164705