VALEN CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of VALEN CONCEPT is 1.7% (moderate). The 2025 annual accounts show equity of €111k and a net result of €4k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 18280 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+73
Solvency100▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.07 against 2.45 in 2024; short-term debt: 14.6% and cash: 2.2% of total assets), and 18.1% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 47
higher
← 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
81.9%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 5 filingsDeviation from the deadline
2025
12 d late
2024
27 d late
2023
8 d late
2022
11 d late
2021
23 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 4.2%
2024 · €106k
2021: €35k
2022: €92k
2023: €135k
2024: €106k
2021 → 2025
Total assets
€135k▼ 10.5%
2024 · €151k
2021: €58k
2022: €160k
2023: €195k
2024: €151k
2021 → 2025
Net result
€4k
2024 · €-29k
2021: €47k
2022: €64k
2023: €44k
2024: €-29k
2021 → 2025
Working capital
€61k▲ 30.4%
2024 · €47k
2021: €25k
2022: €59k
2023: €73k
2024: €47k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€92k▲ 160%€135k▲ 47.3%€106k▼ 21.5%€111k▲ 4.2%
Operating result€63k-€88k▲ 40.0%€59k▼ 32.9%€-29k€4k
Net result€47k-€64k▲ 36.6%€44k▼ 31.5%€-29k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €29k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€55k ▼ 24.1%
Current assets
€80k ▲ 2.2%
Equity and liabilities €135k
Equity
€111k ▲ 4.2%
Debt
€24k ▼ 45.3%
Debt's share of the balance-sheet total falls from 29.6% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €-12k
Cash flow
€22k▲
2024 · €-12k
Current ratio
4.07▲
2024 · 2.45
Quick ratio
3.18▲
2024 · 1.35
Debt to equity
0.22▼
2024 · 0.42
ROE
4.0%▲
2024 · -27.4%
ROA
3.3%▲
2024 · -19.3%
Interest coverage
53.04▲
2024 · -15.00
Debt ≤ 1 year
€20k▼
2024 · €32k
Debt > 1 year
€5k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€151k€135k▼
Formation expenses20€173-
Fixed assets21/28€72k€55k▼
Intangible fixed assets21€9k€7k▼
Tangible fixed assets22/27€63k€48k▼
Land and buildings22€35k€31k▼
Furniture and vehicles24€28k€17k▼
Current assets29/58€79k€80k▲
Amounts receivable after more than one year29€29k€51k▲
Other amounts receivable291€29k€51k▲
Stocks and contracts in progress3€35k€18k▼
Stocks30/36€35k€18k▼
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€13k€9k▼
Cash at bank and in hand54/58€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€151k€135k▼
Equity10/15€106k€111k▲
Contributions10/11€4k€4k=
Reserves13€121k€121k=
Distributable reserves133€121k€121k=
Profit (loss) carried forward14€-19k€-15k▲
Amounts payable17/49€45k€24k▼
Amounts payable after more than one year17€12k€5k▼
Financial debts170/4€12k€5k▼
Amounts payable within one year42/48€32k€20k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€20k€10k▼
Suppliers440/4€20k€10k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€134€301▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€472-
Non-recurring operating charges66A€53€6▼
Gross operating margin9900€-11k€22k▲
Operating profit (loss)9901€-29k€4k▲
Financial income75/76B€550€782▲
Recurring financial income75€550€782▲
Financial charges65/66B€790€407▼
Recurring financial charges65€790€407▼
Profit (loss) for the period before taxes9903€-29k€4k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-29k€4k▲
Profit (loss) for the period to be appropriated9905€-29k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-15k▲
Profit (loss) brought forward from the previous period14P€10k€-19k▼
The notes to these accounts (9 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-29k ▼167%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Equity above €100kEq €135k ▲47.3%
3 profitable years in a row build equity to €135k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Highest result since 2021net €64k ▲36.6%
Operating result €88k, net result €64k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Stoumont · 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.
Bierleux-Haut 84987 StoumontGround area
2,626 m²
Building footprint
77 m²
Volume, LiDAR
464 m³
Parcel 63016B0718/00D000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bierleux-Haut 8, 4987 Stoumont
since 20202.309.847.043
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63016B0718/00D000 | Wallonia | 2,626 m² | 1 · 77 m² | 9.1 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteStoumont2.309.847.043
Similar companies · same sector, comparable size
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CHARLINE
BE 0461.944.979
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GALOCHE
BE 0460.442.469
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LALOUX & C°
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Of 1,034 companies in sector 47721 we hold annual accounts for 582. 456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.valenconcept.com
E-mail:info@valenconcept.com