Summary
VALEMBERG 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 €641,144 and a net result of €359,667. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 492 sector peers (fiscal year 2025). The company has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two 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
1819202122232425
2018 to 2025 · latest year €641,144
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
61 d late
2023
57 d late
2022
31 d late
2021
59 d late
2020
11 d early
2019
117 d late
← 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check What held for this company on a given day: board, seat, name?Company as of a date
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Financials · fiscal year 2025, full schema
In the rankings
#6 oldest company in Antoing
Equity
€641,144▲ 128%
2024 · €281,476
Net result
€359,667▲ 68.6%
2024 · €213,276
Total assets
€2.6m▲ 13.7%
2024 · €2.3m
Solvency
24.8%▲ 12.4pp
2024 · 12.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€225,990▼ 51.5%€171,835▼ 24.0%€357,761▲ 108%€304,395▼ 14.9%€532,847▲ 75.1%
Net result€157,029▼ 61.7%€115,893▼ 26.2%€245,707▲ 112%€213,276▼ 13.2%€359,667▲ 68.6%
Equity€225,229▲ 230%€341,122▲ 51.5%€68,200▼ 80.0%€281,476▲ 313%€641,144▲ 128%
Total assets€708,929▼ 49.8%€701,415▼ 1.1%€1.1m▲ 57.1%€2.3m▲ 106%€2.6m▲ 13.7%
Debt€483,701▼ 64.0%€360,293▼ 25.5%€1.0m▲ 187%€2.0m▲ 92.5%€1.9m▼ 2.4%
Working capital€261,396▲ 150%€328,676▲ 25.7%€27,873▼ 91.5%€1.2m▲ 4,178%€504,588▼ 57.7%
Solvency31.8%▲ 26.9pp48.6%▲ 16.9pp6.2%▼ 42.4pp12.4%▲ 6.2pp24.8%▲ 12.4pp
Staff (FTE)5▲ 13.6%6▲ 20.0%6=6.7▲ 11.7%6.7=
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€1.3m ▲ 289%
Current assets
€1.3m ▼ 32.8%
Equity and liabilities €2.6m
Equity
€641,144 ▲ 128%
Debt
€1.9m ▼ 2.4%
Debt's share of the balance-sheet total falls from 87.6% to 75.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
56.1%▼
2024 · 75.8%
ROA
13.9%▲
2024 · 9.4%
Debt ≤ 1 year
€800,426▲
2024 · €749,553
Debt > 1 year
€1.1m▼
2024 · €1.2m
Income taxes
€134,919▲
2024 · €86,713
Staff costs
€391,097▲
2024 · €377,298
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,001 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €361,862 | €279,279 | €305,780 | €377,298 | €391,097 | ▲ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,972 | €30,698 | €54,488 | €63,879 | €183,890 | ▲ 188% |
| Other operating charges640/8 | €4,214 | €3,960 | €7,114 | €25,518 | €10,239 | ▼ 59.9% |
| Gross operating margin9900 | €616,037 | €485,772 | €725,143 | €771,090 | €1.1m | ▲ 45.0% |
| Operating profit (loss)9901 | €225,990 | €171,835 | €357,761 | €304,395 | €532,847 | ▲ 75.1% |
| Financial income75/76B | €63 | €159 | €27 | €7,733 | €10,427 | ▲ 34.8% |
| Recurring financial income75 | €63 | €159 | €27 | €7,733 | €10,427 | ▲ 34.8% |
| Financial charges65/66B | €7,292 | €8,973 | €11,753 | €12,139 | €48,688 | ▲ 301% |
| Recurring financial charges65 | €7,292 | €8,973 | €11,753 | €12,139 | €48,688 | ▲ 301% |
| Profit (loss) for the period before taxes9903 | €218,760 | €163,021 | €346,036 | €299,989 | €494,586 | ▲ 64.9% |
| Income taxes67/77 | €61,731 | €47,127 | €100,329 | €86,713 | €134,919 | ▲ 55.6% |
| Profit (loss) for the period9904 | €157,029 | €115,893 | €245,707 | €213,276 | €359,667 | ▲ 68.6% |
| Profit (loss) for the period to be appropriated9905 | €157,029 | €115,893 | €245,707 | €213,276 | €359,667 | ▲ 68.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €708,929 | €701,415 | €1.1m | €2.3m | €2.6m | ▲ 13.7% |
| Fixed assets21/28 | €219,140 | €268,964 | €361,331 | €328,805 | €1.3m | ▲ 289% |
| Intangible fixed assets21 | - | - | - | - | €934,267 | - |
| Tangible fixed assets22/27 | €218,317 | €268,140 | €360,508 | €327,982 | €342,330 | ▲ 4.4% |
| Land and buildings22 | €217,409 | €193,829 | €179,547 | €184,556 | €235,331 | ▲ 27.5% |
| Furniture and vehicles24 | €908 | €74,311 | €180,961 | €143,426 | €106,999 | ▼ 25.4% |
| Financial fixed assets28 | €824 | €824 | €824 | €824 | €824 | = |
| Current assets29/58 | €489,789 | €432,451 | €740,466 | €1.9m | €1.3m | ▼ 32.8% |
| Amounts receivable after more than one year29 | - | - | - | - | €89,253 | - |
| Other amounts receivable291 | - | - | - | - | €89,253 | - |
| Amounts receivable within one year40/41 | - | €312,742 | €319,840 | €800,440 | €215,896 | ▼ 73.0% |
| Trade receivables40 | - | - | - | €397,217 | €543 | ▼ 99.9% |
| Other amounts receivable41 | - | €312,742 | €319,840 | €403,224 | €215,352 | ▼ 46.6% |
| Cash at bank and in hand54/58 | €427,156 | €64,955 | €315,749 | €1.0m | €860,607 | ▼ 16.0% |
| Deferred charges and accrued income490/1 | €62,633 | €54,755 | €104,877 | €116,663 | €139,259 | ▲ 19.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €708,929 | €701,415 | €1.1m | €2.3m | €2.6m | ▲ 13.7% |
| Equity10/15 | €225,229 | €341,122 | €68,200 | €281,476 | €641,144 | ▲ 128% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | €157,029 | €272,922 | - | €213,276 | €572,944 | ▲ 169% |
| Amounts payable17/49 | €483,701 | €360,293 | €1.0m | €2.0m | €1.9m | ▼ 2.4% |
| Amounts payable after more than one year17 | €255,308 | €256,517 | €321,004 | €1.2m | €1.1m | ▼ 8.0% |
| Financial debts170/4 | €255,308 | €256,517 | €321,004 | €1.2m | €1.1m | ▼ 8.0% |
| Amounts payable within one year42/48 | €228,392 | €103,776 | €712,593 | €749,553 | €800,426 | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | €22,714 | €28,952 | €53,380 | €158,115 | €179,520 | ▲ 13.5% |
| Financial debts43 | - | - | - | €8 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €8 | €0 | ▼ 100% |
| Trade debts44 | €124,066 | €13,959 | €59,311 | €37,515 | €114,427 | ▲ 205% |
| Suppliers440/4 | €124,066 | €13,959 | €59,311 | €37,515 | €114,427 | ▲ 205% |
| Taxes, remuneration and social security45 | €76,929 | €28,093 | €46,274 | €48,316 | €48,174 | ▼ 0.3% |
| Taxes450/3 | €55,392 | €10 | €18,757 | €2,803 | €4,919 | ▲ 75.5% |
| Remuneration and social security454/9 | €21,537 | €28,083 | €27,517 | €45,513 | €43,255 | ▼ 5.0% |
| Other amounts payable47/48 | €4,683 | €32,771 | €553,629 | €505,600 | €458,305 | ▼ 9.4% |
| Accrued charges and deferred income492/3 | - | - | - | €21 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €157,029 | €115,893 | €245,707 | €213,276 | €359,667 | ▲ 68.6% |
| + Depreciation and write-downs630 | €23,972 | €30,698 | €54,488 | €63,879 | €183,890 | ▲ 188% |
| Operating cash flow (approximation) | €181,001 | €146,591 | €300,194 | €277,156 | €543,558 | ▲ 96.1% |
| Investment in fixed assets (approximation) | - | -€80,521 | -€146,855 | -€31,353 | -€1.1m | ▼ 3,512% |
| Change in cash | - | -€362,201 | €250,794 | €709,009 | -€164,151 | ▼ 123% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
31-12
Financial
Equity above €500,000Eq €641,144 ▲128%
6 profitable years in a row build equity to €641,144.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.59
Current ratio from 1.04 to 2.59.
31-12
Financial
Equity above €200,000Eq €281,476 ▲313%
5 profitable years in a row build equity to €281,476.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 57 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
31-12
Financial
Equity above €200,000Eq €225,229 ▲230%
2 profitable years in a row build equity to €225,229.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €409,722
Net result €409,722 after one loss-making year.
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 117 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€2,133
Net result drops to -€2,133, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
11 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, Antoing · 1 establishment unit since 1977
Ground area
252 m²
Building footprint
201 m²
Volume, LiDAR
1,560 m³
Parcel 57003C0371/00L000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Grand'rue 74, 7640 Antoing
since 19772.014.182.927
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57003C0371/00L000 | Wallonia | 252 m² | 1 · 201 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,467 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded24-12-1976
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64910Financial service activities, except insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.