VALDAMI

Active

Private limited companyfounded 198541 yrs activeRue Chapelle Notre-Dame 10, 1341 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0427.589.460

Summary

VALDAMI has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.2m and a net result of -€560,403. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 53% of 651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

VALDAMIActiveChecked score 82/100

Risk analysis Report Compare

Activity

Residential care activities

NACE 87301NACE 85315

#1 employer in Walloon Brabant, Residential care sector7 sites

Size

€23.4mturnover 2025

Staff: 304.4 FTE
Equity: €6.2m
Loss: -€560,403

Financial health

82 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Parent: SL FINANCE · 100%
Board: 2 members

Auditor: EY Réviseurs d'entreprisesAccounts 8 d early

Why 82- Liquidity: current ratio 1.21, cash €5,090- Loss of €560,403, the second in a row (FY 2025)+ Sector Residential care activities (NACE 87)+ Activity since 1986 (contributed into the company of 1985)Show the evidence

Checked score

Score 2025

82 / 100

Excellent

Probability in this band: under 0.55%

Better than 28% of its sector peers (NACE 87, large)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 74-5

equity 49.5% of total assets

Liquidity 25-3

short-term debt 50.4% · cash 0.0%

Profitability 50=

return on assets -4.4%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (94 companies)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%▲ +3.3% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%▼ -3.8% vs 01-2025 03-2025: 0.3%▲ +5.8% vs 02-2025 04-2025: 0.4%▲ +2.0% vs 03-2025 05-2025: 0.4%▲ +3.1% vs 04-2025 06-2025: 0.4%▲ +3.3% vs 05-2025 07-2025: 0.4%▲ +14.3% vs 06-2025highest value 08-2025: 0.3%▼ -22.7% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▼ -3.9% vs 01-2026lowest value 03-2026: 0.3%▲ +5.6% vs 02-2026 04-2026: 0.3%▲ +2.1% vs 03-2026 05-2026: 0.4%▲ +3.2% vs 04-2026 06-2026: 0.4%▲ +2.5% vs 05-2026 07-2026: 0.4%▲ +2.2% vs 06-2026 08-2026: 0.4%▼ -4.8% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026

Liquidity: current ratio 1.21, cash €5,090 raises the probability
Sector Residential care activities (NACE 87) lowers the probability
Loss of €560,403, the second in a row (FY 2025) raises the probability
Activity since 1986 (contributed into the company of 1985) lowers the probability for this profile

Credit up to €500,000 at 30 days acceptable

Liquidity tight (current ratio 1.21 against 1.34 in 2024; short-term debt: 50.4% and cash: 0% of total assets), and 50.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 87, large). Better than this share of them on solvency 54%, liquidity 13%, profitability 25%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.21, cash €5,090

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Residential care activities (NACE 87)

In the bankruptcy model this factor lowers the probability.

KBO

Loss of €560,403, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Activity since 1986 (contributed into the company of 1985)

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

8 d early

2024

6 d early

2023

7 d early

2022

14 d early

2021

4 d early

2020

22 d early

2019

2 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 25% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 25 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

23-07-26 Annual accounts filedfiscal year 2025 · full…
07-05-26 Resignation: Laurent Michel J. WERY (day-to-day…Appointment: Alicia DIGIUGNO (day-to-day manager)…
25-07-25 Annual accounts filedfiscal year 2024 · unclassified…

Key points

Risk: 3 loss-making years in a rowloss fiscal year 2025 -€560,403 View
Caution: Among the weakest 7% on net resultsector median €20,266 · 656 companies -€560,403 View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Controlled by SL FINANCEknown shareholders 100% 100% View
Board changedlatest change 19-01-2026 · 2 in office 1 joined · 1 left View