VALDER
VALDER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €129k and a net result of €-65k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 1395 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €129k |
| Net result | €-65k |
| Better than sector | 22% |
| Active | 6 yrs |
Fragile profile, watch health in particular.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.4% | 37.2% | |
| Net result | €-65k | €46k | |
| Equity | €129k | €362k | |
| Gross operating margin | €7k | €66k | |
| Total assets | €963k | €1.40M |
| Fiscal year | 2024 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-65k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €261 |
| Dividends | - |
| Total assets | €963k |
| Equity | €129k |
| Debt | €834k |
| of which ≤ 1y | €783k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 13.4% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -6.7% |
| ROE | -50.3% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €963k |
| Fixed assets | 21/28 | €470k |
| Tangible fixed assets | 22/27 | €19k |
| Financial fixed assets | 28 | €451k |
| Current assets | 29/58 | €494k |
| Amounts receivable within one year | 40/41 | €451k |
| Cash & bank | 54/58 | €41k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €963k |
| Equity | 10/15 | €129k |
| Contributions / capital | 10/11 | €20k |
| Reserves | 13 | €109k |
| Amounts payable | 17/49 | €834k |
| Amounts payable within one year | 42/48 | €783k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €7k |
| Operating result | 9901 | €-2k |
| Financial income | 75 | €32k |
| Financial charges | 65 | €94k |
| Result before taxes | 9903 | €-65k |
| Income taxes | 67/77 | €261 |
| Net result for the period | 9904 | €-65k |
| Result to be appropriated | 9905 | €-65k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 06-11-2019 |
| Status | Active |
| Postal code | 9880 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0804/00S000 | Flanders | 3,081 m² | 1 · 295 m² | 25.7 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
05-05-2025 Hendrik VANMAELE resigns as director
- Hendrik VANMAELE, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Hendrik VANMAELE",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": "de_plein_droit_dissolution",
"subkind": "regular",
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2025-01-09",
"evidence_quote": "De vergadering heeft unaniem beslist om het ontslag van de heer Hendrik VANMAELE per 9 januari 2025 te aanvaarden.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
},
{
"kind": "board_snapshot",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Val\u00E9rie DERUMEAUX",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": null,
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": null,
"evidence_quote": "De andere bestuurder blijft benoemd in de vennootschap.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": null
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": null,
"filing_date": "2025-04-24",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "bijzondere_algemene_vergadering",
"date": "2025-01-09",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0737.450.121",
"name_full": "Ondernemingsrecht Bank Gent",
"legal_form": "BV",
"_kbo_filled_from_list": true
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Mevrouw Val\u00E9rie DERUMEAUX",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | VALDER |