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Valentine Construct

Active
Private limited companyfounded 2025active for 1 yearRue de la Valentinoise(Sil) 51, 5630 Cerfontaine, BelgiumKBO/BCE: BE 1019.584.915
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Valentine ConstructActiveChecked score 87/100
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Financials · financial year 2025, micro format

Annual accounts 2025 filed on 31-07-2026 at the NBB

Turnover
≈ €300,000
Estimated: probably between €160,000 and €590,000
Total assets
€34,511
Net result
€16,665
Working capital
€20,883

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €34,511
Fixed assets €782
Current assets €33,729
Equity and liabilities €34,511
Equity €21,665
Debt €12,846
Debt's share of the balance-sheet total is 37.2%.
Key figures and ratios
2025 value
EBITDA
€22,176
Cash flow
€16,961
Current ratio
2.63
Debt to equity
0.59
ROE
76.9%
ROA
48.3%
Interest coverage
over 100
Debt ≤ 1 year
€12,846
Income taxes
€5,033

Comparable companies

These companies have the same main activity as Valentine Construct: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €30,200 and €46,200, founded between 2024 and 2025.

CompanyFoundedTotal assetsEquityGross marginNet resultFinancial year
Valentine Construct Cerfontaine2025€34,511€21,665€22,176€16,6652025
EA HOME SOLUTIONS Ukkel2025€33,761€19,687€22,884€17,6872025
Aménagement, décoration et services Schaarbeek2024€31,312€26,135€27,743€21,1352025
BER CONSTRUCT Grimbergen2024€39,821€17,879€19,998€15,8792025
DRISS MULTISERVICE Lokeren2024€39,474€9,812€18,991€7,8122025
Verstraelen Olivier et fils Sombreffe2024€30,205€18,170€27,600€16,1702025
D.F.L CONSTRUCTION Namur2024€46,171€12,952€16,921€11,2732025

They were chosen from the 7,010 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Companies with the same profile, two years later

Historical observation

In July 2024, 11,279 companies had the same profile as Valentine Construct has now. Two years later, 0.7% had gone bankrupt and 96.6% were still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% was still going

That fits the bankruptcy probability of Valentine Construct itself: 0.4% within 12 months.

Test of the method

The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 11,279 companies, not a prediction for Valentine Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 29 lines

Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.

Balance sheet Code2025
Assets
Total assets20/58€34,511
Fixed assets21/28€782
Tangible fixed assets22/27€782
Furniture and vehicles24€782
Current assets29/58€33,729
Amounts receivable within one year40/41€200
Trade receivables40€200
Cash at bank and in hand54/58€33,529
Equity and liabilities
Total equity and liabilities10/49€34,511
Equity10/15€21,665
Contributions10/11€5,000
Profit (loss) carried forward14€16,665
Amounts payable17/49€12,846
Amounts payable within one year42/48€12,846
Trade debts44€880
Suppliers440/4€880
Taxes, remuneration and social security45€10,535
Taxes450/3€10,535
Other amounts payable47/48€1,431
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€296
Gross operating margin9900€22,176
Operating profit (loss)9901€21,880
Financial charges65/66B€182
Recurring financial charges65€182
Profit (loss) for the period before taxes9903€21,697
Income taxes67/77€5,033
Profit (loss) for the period9904€16,665
Profit (loss) for the period to be appropriated9905€16,665
Appropriation of the result
Profit (loss) to be appropriated9906€16,665

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€296
Gross operating margin9900€22,176
Operating profit (loss)9901€21,880
Financial charges65/66B€182
Recurring financial charges65€182
Profit (loss) for the period before taxes9903€21,697
Income taxes67/77€5,033
Profit (loss) for the period9904€16,665
Profit (loss) for the period to be appropriated9905€16,665
Line2025
Assets
Total assets20/58€34,511
Fixed assets21/28€782
Tangible fixed assets22/27€782
Furniture and vehicles24€782
Current assets29/58€33,729
Amounts receivable within one year40/41€200
Trade receivables40€200
Cash at bank and in hand54/58€33,529
Equity and liabilities
Total equity and liabilities10/49€34,511
Equity10/15€21,665
Contributions10/11€5,000
Profit (loss) carried forward14€16,665
Amounts payable17/49€12,846
Amounts payable within one year42/48€12,846
Trade debts44€880
Suppliers440/4€880
Taxes, remuneration and social security45€10,535
Taxes450/3€10,535
Other amounts payable47/48€1,431
Line2025
Profit (loss) for the period9904€16,665
+ Depreciation and write-downs630€296
Operating cash flow (approximation)€16,961

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference Document
31-12-2025 micro format 31-07-2026 2026-00378533 NBB

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