VALDER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €521k and a net result of €501k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 5498 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
202122232425
2020 to 2025 · latest year €521k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
27 d early
2022
4 d early
2021
33 d early
2020
4 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€521k▲ 303%
2024 · €129k
2020: €83k
2021: €-46k
2022: €-169k
2023: €194k
2024: €129k
2020 → 2025
Net result
€501k
2024 · €-65k
2020: €63k
2021: €-129k
2022: €-124k
2023: €363k
2024: €-65k
2020 → 2025
Total assets
€1.23M▲ 27.8%
2024 · €963k
2020: €1.84M
2021: €2.04M
2022: €2.25M
2023: €1.24M
2024: €963k
2020 → 2025
Solvency
42.3%▲ 28.9pp
2024 · 13.4%
2020: 4.5%
2021: -2.2%
2022: -7.5%
2023: 15.7%
2024: 13.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-46k-€-169k▼ 271%€194k€129k▼ 33.4%€521k▲ 303%
Operating result€-78k-€-86k▼ 9.5%€-39k▲ 54.7%€-2k▲ 94.0%€29k
Net result€-129k-€-124k▲ 4.1%€363k€-65k€501k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€463k▼ 1.5%
Current assets
€768k▲ 55.7%
Equity and liabilities €1.23M
Equity
€521k▲ 303%
Debt
€710k▼ 14.9%
The debt ratio falls from 86.6% to 57.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
42.3%▲
2024 · 13.4%
ROE
96.2%▲
2024 · -50.3%
ROA
40.7%▲
2024 · -6.7%
Debt
€710k▼
2024 · €834k
Debt ≤ 1 year
€703k▼
2024 · €783k
Income taxes
€35k▲
2024 · €261
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€963k€1.23M▲
Fixed assets21/28€470k€463k▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€16k€10k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€451k€451k=
Current assets29/58€494k€768k▲
Amounts receivable within one year40/41€451k€38k▼
Trade receivables40€66k€38k▼
Other amounts receivable41€384k€15▼
Current investments50/53-€560k
Cash at bank and in hand54/58€41k€152k▲
Deferred charges and accrued income490/1€2k€18k▲
Equity and liabilities
Total equity and liabilities10/49€963k€1.23M▲
Equity10/15€129k€521k▲
Contributions10/11€20k€20k=
Reserves13€109k€501k▲
Distributable reserves133€109k€501k▲
Amounts payable17/49€834k€710k▼
Amounts payable within one year42/48€783k€703k▼
Trade debts44€1k€29k▲
Suppliers440/4€1k€29k▲
Advances received on contracts in progress46€12k-
Taxes, remuneration and social security45€960€39k▲
Taxes450/3€960€39k▲
Other amounts payable47/48€769k€635k▼
Accrued charges and deferred income492/3€51k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€141€144▲
Gross operating margin9900€7k€38k▲
Operating profit (loss)9901€-2k€29k▲
Financial income75/76B€32k€516k▲
Recurring financial income75€32k€516k▲
Financial charges65/66B€94k€8k▼
Recurring financial charges65€94k€8k▼
Profit (loss) for the period before taxes9903€-65k€536k▲
Income taxes67/77€261€35k▲
Profit (loss) for the period9904€-65k€501k▲
Profit (loss) for the period to be appropriated9905€-65k€501k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-65k€501k▲
Transfer from equity791/2€65k€109k▲
Transfer to equity691/2-€501k
To other reserves6921-€501k
Profit to be distributed694/7-€109k
Return on contributions (dividend)694-€109k
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €501k
Net result €501k after one loss-making year.
31-12
Financial
Equity above €500kEq €521k ▲303%
Equity rises from €129k to €521k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €363k
Net result €363k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €194k
Equity rises from €-169k to €194k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-129k ▼303%
Net result drops to €-129k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalter · 1 establishment unit since 2020
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.
Oude Gentweg 169880 AalterGround area
3,081 m²
Building footprint
295 m²
Volume, LiDAR
2,874 m³
Parcel 44502C0804/00S000, Flanders · tallest building 25.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Valder
since 20202.299.921.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0804/00S000 | Flanders | 3,081 m² | 1 · 295 m² | 25.7 m · 3 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,596 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.