VALCKIA
ActiveSummary
The computed 12-month bankruptcy probability of VALCKIA is 2.7% (moderate). The 2025 annual accounts show equity of €2.9m and a net result of €778,094. Equity is growing by ~57.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 4209 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-13
Solvency54▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €130,000 at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.1 in 2024; short-term debt: 59.8% and cash: 1.2% of total assets), and 70.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
29.1%
Return on assets
7.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
33 d early
2023
22 d early
2022
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€45.5m
EBIT margin
2.6%
Net result
€778,094▼ 39.2%
2024 · €1.3m
Working capital
€2.4m▲ 46.4%
2024 · €1.6m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€45.5m
Operating result€369,711-€664,867▲ 79.8%€1.9m▲ 180%€1.2m▼ 36.7%
Net result€271,699above the sector's middle half-€482,289above the sector's middle half▲ 77.5%€1.3mabove the sector's middle half▲ 165%€778,094above the sector's middle half▼ 39.2%
EBIT margin2.6%
Equity€371,699within the sector's middle half-€853,988above the sector's middle half▲ 130%€2.1mabove the sector's middle half▲ 150%€2.9mabove the sector's middle half▲ 36.5%
Total assets€1.5mwithin the sector's middle half-€3.3mabove the sector's middle half▲ 115%€20.0mabove the sector's middle half▲ 506%€10.0mabove the sector's middle half▼ 50.0%
Debt€1.2m-€2.4m▲ 111%€17.8m▲ 631%€7.1m▼ 60.4%
Working capital€346,630-€1.0m▲ 190%€1.6m▲ 63.4%€2.4m▲ 46.4%
Solvency24.3%within the sector's middle half-25.9%within the sector's middle half▲ 1.6pp10.7%below the sector's middle half▼ 15.2pp29.1%within the sector's middle half▲ 18.5pp
Staff (FTE)9above the sector's middle half12.6within the sector's middle half▲ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.0m
Fixed assets
€1.6m ▼ 23.9%
Current assets
€8.4m ▼ 53.1%
Equity and liabilities €10.0m
Equity
€2.9m ▲ 36.5%
Debt
€7.1m ▼ 60.4%
Debt's share of the balance-sheet total falls from 89.3% to 70.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.7m▼
2024 · €2.3m
Cash flow
€1.3m▼
2024 · €1.7m
Current ratio
1.40▲
2024 · 1.10
Quick ratio
0.27▼
2024 · 0.40
Debt to equity
2.43▼
2024 · 8.37
ROE
26.7%▼
2024 · 60.0%
ROA
7.8%▲
2024 · 6.4%
Interest coverage
16.03▼
2024 · 16.36
Debt ≤ 1 year
€6.0m▼
2024 · €16.2m
Debt > 1 year
€1.1m▼
2024 · €1.3m
Income taxes
€306,501▼
2024 · €450,483
Staff costs
€782,928▲
2024 · €587,193
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,677 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.3%
went bankrupt
1.2%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,677 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | €45.9m | - |
| Turnover70 | - | - | - | €45.5m | - |
| Other operating income74 | - | - | - | €361,609 | - |
| Non-recurring operating income76A | - | - | €9,851 | €8,824 | ▼ 10.4% |
| Operating charges60/66A | - | - | - | €44.7m | - |
| Goods for resale, raw materials and consumables60 | - | - | - | €41.4m | - |
| Purchases600/8 | - | - | - | €36.8m | - |
| Change in stocks: decrease (increase)609 | - | - | - | €4.6m | - |
| Services and other goods61 | - | - | - | €2.0m | - |
| Remuneration, social security and pensions62 | - | - | €587,193 | €782,928 | ▲ 33.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,971 | €39,399 | €393,093 | €489,281 | ▲ 24.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €2,477 | €4,102 | €10,277 | ▲ 151% |
| Other operating charges640/8 | €2,940 | €1,829 | €1,986 | €8,072 | ▲ 306% |
| Gross operating margin9900 | €377,622 | €708,572 | €2.9m | - | - |
| Operating profit (loss)9901 | €369,711 | €664,867 | €1.9m | €1.2m | ▼ 36.7% |
| Financial income75/76B | €0 | €1 | €3,010 | €8,466 | ▲ 181% |
| Recurring financial income75 | €0 | €1 | €3,010 | €8,466 | ▲ 181% |
| Other financial income752/9 | - | - | - | €8,466 | - |
| Financial charges65/66B | €6,912 | €7,979 | €137,983 | €104,845 | ▼ 24.0% |
| Recurring financial charges65 | €6,912 | €7,979 | €137,983 | €104,845 | ▼ 24.0% |
| Debt charges650 | - | - | - | €104,186 | - |
| Other financial charges652/9 | - | - | - | €660 | - |
| Profit (loss) for the period before taxes9903 | €362,799 | €656,889 | €1.7m | €1.1m | ▼ 37.3% |
| Income taxes67/77 | €91,100 | €174,600 | €450,483 | €306,501 | ▼ 32.0% |
| Taxes670/3 | - | - | - | €306,501 | - |
| Profit (loss) for the period9904 | €271,699 | €482,289 | €1.3m | €778,094 | ▼ 39.2% |
| Transfer to tax-exempt reserves689 | - | - | €421,000 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €271,699 | €482,289 | €857,895 | €778,094 | ▼ 9.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.5m | €3.3m | €20.0m | €10.0m | ▼ 50.0% |
| Formation expenses20 | €1,089 | €529 | €0 | - | - |
| Fixed assets21/28 | €23,980 | €143,924 | €2.1m | €1.6m | ▼ 23.9% |
| Intangible fixed assets21 | - | - | €1.9m | €1.4m | ▼ 26.0% |
| Tangible fixed assets22/27 | €23,980 | €143,924 | €240,086 | €221,694 | ▼ 7.7% |
| Plant, machinery and equipment23 | €9,534 | €17,357 | €20,311 | €15,949 | ▼ 21.5% |
| Furniture and vehicles24 | €5,982 | €59,194 | €14,934 | €9,635 | ▼ 35.5% |
| Other tangible fixed assets26 | €8,464 | €67,373 | €160,001 | €196,110 | ▲ 22.6% |
| Assets under construction and advance payments27 | - | - | €44,839 | €0 | ▼ 100% |
| Current assets29/58 | €1.5m | €3.2m | €17.9m | €8.4m | ▼ 53.1% |
| Stocks and contracts in progress3 | €1.3m | €2.2m | €11.4m | €6.7m | ▼ 40.7% |
| Stocks30/36 | €1.3m | €2.2m | €11.4m | €6.7m | ▼ 40.7% |
| Goods purchased for resale34 | - | - | - | €6.7m | - |
| Amounts receivable within one year40/41 | €231,811 | €950,180 | €6.2m | €1.5m | ▼ 75.5% |
| Trade receivables40 | €175,114 | €843,060 | €5.8m | €1.5m | ▼ 73.5% |
| Other amounts receivable41 | €56,697 | €107,120 | €469,790 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €2,387 | €286 | €275,172 | €116,539 | ▼ 57.6% |
| Deferred charges and accrued income490/1 | €105 | €1,769 | €4,197 | €4,232 | ▲ 0.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.5m | €3.3m | €20.0m | €10.0m | ▼ 50.0% |
| Equity10/15 | €371,699 | €853,988 | €2.1m | €2.9m | ▲ 36.5% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | - | €271,699 | €1.2m | €2.0m | ▲ 73.0% |
| Tax-exempt reserves132 | - | - | €421,000 | €421,000 | = |
| Distributable reserves133 | - | €271,699 | €753,988 | €1.6m | ▲ 114% |
| Profit (loss) carried forward14 | €271,699 | €482,289 | €857,895 | €778,094 | ▼ 9.3% |
| Amounts payable17/49 | €1.2m | €2.4m | €17.8m | €7.1m | ▼ 60.4% |
| Amounts payable after more than one year17 | - | - | €1.3m | €1.1m | ▼ 18.7% |
| Financial debts170/4 | - | - | €1.3m | €1.1m | ▼ 18.7% |
| Credit institutions173 | - | - | - | €1.1m | - |
| Amounts payable within one year42/48 | €1.2m | €2.1m | €16.2m | €6.0m | ▼ 63.2% |
| Current portion of amounts payable after more than one year42 | - | - | €245,714 | €245,714 | = |
| Trade debts44 | €908,434 | €1.1m | €7.9m | €4.0m | ▼ 49.8% |
| Suppliers440/4 | €908,434 | €1.1m | €7.9m | €4.0m | ▼ 49.8% |
| Advances received on contracts in progress46 | €92,222 | €20,792 | €301,257 | €149,863 | ▼ 50.3% |
| Taxes, remuneration and social security45 | €143,966 | €175,000 | €259,240 | €455,444 | ▲ 75.7% |
| Taxes450/3 | €143,966 | €175,000 | €154,231 | €317,646 | ▲ 106% |
| Remuneration and social security454/9 | - | - | €105,009 | €137,798 | ▲ 31.2% |
| Other amounts payable47/48 | €14,876 | €799,389 | €7.5m | €1.1m | ▼ 84.8% |
| Accrued charges and deferred income492/3 | - | €296,811 | €307,688 | €35,059 | ▼ 88.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €271,699 | €482,289 | €1.3m | €778,094 | ▼ 39.2% |
| + Depreciation and write-downs630 | €4,971 | €39,399 | €393,093 | €489,281 | ▲ 24.5% |
| Operating cash flow (approximation) | €276,670 | €521,688 | €1.7m | €1.3m | ▼ 24.2% |
| Investment in fixed assets (approximation) | - | -€159,343 | -€2.4m | €13,912 | ▲ 101% |
| Change in cash | - | -€2,100 | €274,886 | -€158,634 | ▼ 158% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
19-03
State Gazette act
Resignation: PEGGY VALCKENIER BV (director)Permanent representatives: Peggy Valckenier, Guy Valckenier and Koenraad Valckenier · Director discharge6 facts ▸
State Gazette act
Resignation: PEGGY VALCKENIER BV (director)
Permanent representatives: Peggy Valckenier, Guy Valckenier and Koenraad Valckenier · Director discharge6 facts ▸
- General meeting, 02/03/2026
- Director resignation, PEGGY VALCKENIER BV (director)
- Permanent representative, Peggy Valckenier
- Director discharge, PEGGY VALCKENIER BV
- Permanent representative, Guy Valckenier
- Permanent representative, Koenraad Valckenier
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2022net €1.3m ▲165%
Operating result €1.9m, net result €1.3m, both a record.
30-09
Financial
Equity above €2mEq €2.1m ▲150%
3 profitable years in a row build equity to €2.1m.
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €500,000Eq €853,988 ▲130%
2 profitable years in a row build equity to €853,988.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Aalst · 4 establishment units since 2021
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.
Siesegemlaan 19300 AalstGround area
2.1 ha
Building footprint
7,652 m²
Volume, LiDAR
18,430 m³
3 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
Valckenier Kia Aalst
since 20212.321.917.209
Valckenier Kia Zottegem
since 20232.348.956.057
Valckenier Kia Gent
since 20232.352.707.878
Valckenier Kia Ninove
since 20242.365.594.527
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44813S0412/00G003 | Flanders | 1.1 ha | 1 · 4,788 m² | - |
| 41055B0417/00T000 | Flanders | 6,145 m² | 1 · 1,747 m² | 9.6 m · 2 fl. |
| 41013B0836/00D003 | Flanders | 3,199 m² | 1 · 1,116 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Peggy Valckenier |
|
Structure & network
Part of the group
Mobility & Services Center
18 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- Mobility & Services Center
- VALCKIA
Highest known parent: Mobility & Services Center. The sources do not say who stands above it.
Owners 1
- 100%
Holdings 0
The accounts to 30-09-2025 list no holdings, and no other source names one.
According to the annual accounts to 30-09-2025 of VALCKIA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Recognitions · licences · registrations
Dual-learning approval
6 live approvalsAutotechnieken duaal (so)
Bandenmonteur (vwo)
Bandenmonteur duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 1,996 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-09-2021
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0773758409
Registered
20-05-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.