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ValEr

Active
Private limited companyfounded 20242 yrs activeKleine Meylstraat 15, 2550 Kontich, BelgiumKBO/BCE: BE 1013.068.889
Summary

The computed 12-month bankruptcy probability of ValEr is 2.5% (moderate). The 2025 annual accounts show equity of €13,877 and a net result of €8,877. Its solvency ranks better than 40% of 28806 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability99
Solvency63
Growth-
Track record67
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.34; short-term debt: 61.8% and cash: 65.3% of total assets), and 61.8% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
38.2%
Return on assets
24.4%
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 31-08-2026, 31 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 · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 2 September 2024, ValEr was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€13,877
Total assets
€36,320
Net result
€8,877
Working capital
€7,599

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €36,320
Fixed assets €6,278
Current assets €30,042
Equity and liabilities €36,320
Equity €13,877
Debt €22,443
Debt finances 61.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€17,269
Cash flow
€13,616
Current ratio
1.34
Quick ratio
1.19
Debt to equity
1.62
ROE
64.0%
ROA
24.4%
Interest coverage
72.16
Debt ≤ 1 year
€22,443
Income taxes
€3,487

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to 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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€36,320
Fixed assets21/28€6,278
Tangible fixed assets22/27€6,278
Furniture and vehicles24€6,278
Current assets29/58€30,042
Stocks and contracts in progress3€3,232
Stocks30/36€3,232
Amounts receivable within one year40/41€3,090
Trade receivables40€2,090
Other amounts receivable41€1,001
Cash at bank and in hand54/58€23,720
Equity and liabilities
Total equity and liabilities10/49€36,320
Equity10/15€13,877
Contributions10/11€5,000
Reserves13€8,870
Distributable reserves133€8,870
Profit (loss) carried forward14€7
Amounts payable17/49€22,443
Amounts payable within one year42/48€22,443
Trade debts44€3,249
Suppliers440/4€3,249
Taxes, remuneration and social security45€3,487
Taxes450/3€3,487
Other amounts payable47/48€15,707
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,739
Other operating charges640/8€2,002
Gross operating margin9900€19,271
Operating profit (loss)9901€12,531
Financial income75/76B€73
Recurring financial income75€73
Financial charges65/66B€239
Recurring financial charges65€239
Profit (loss) for the period before taxes9903€12,364
Income taxes67/77€3,487
Profit (loss) for the period9904€8,877
Profit (loss) for the period to be appropriated9905€8,877
Appropriation of the result
Profit (loss) to be appropriated9906€8,877
Transfer to equity691/2€8,870
To other reserves6921€8,870

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,739
Other operating charges640/8€2,002
Gross operating margin9900€19,271
Operating profit (loss)9901€12,531
Financial income75/76B€73
Recurring financial income75€73
Financial charges65/66B€239
Recurring financial charges65€239
Profit (loss) for the period before taxes9903€12,364
Income taxes67/77€3,487
Profit (loss) for the period9904€8,877
Profit (loss) for the period to be appropriated9905€8,877
Line2025
Assets
Total assets20/58€36,320
Fixed assets21/28€6,278
Tangible fixed assets22/27€6,278
Furniture and vehicles24€6,278
Current assets29/58€30,042
Stocks and contracts in progress3€3,232
Stocks30/36€3,232
Amounts receivable within one year40/41€3,090
Trade receivables40€2,090
Other amounts receivable41€1,001
Cash at bank and in hand54/58€23,720
Equity and liabilities
Total equity and liabilities10/49€36,320
Equity10/15€13,877
Contributions10/11€5,000
Reserves13€8,870
Distributable reserves133€8,870
Profit (loss) carried forward14€7
Amounts payable17/49€22,443
Amounts payable within one year42/48€22,443
Trade debts44€3,249
Suppliers440/4€3,249
Taxes, remuneration and social security45€3,487
Taxes450/3€3,487
Other amounts payable47/48€15,707
Line2025
Profit (loss) for the period9904€8,877
+ Depreciation and write-downs630€4,739
Operating cash flow (approximation)€13,616

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,118 m²
Building footprint
237 m²
Volume, LiDAR
1,167 m³
Parcel 11602C0026/00M000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ValEr
Kleine Meylstraat 15, 2550 KontichSpecialised construction activities
since 20242.363.352.144
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11602C0026/00M000 Flanders 1,118 m² 1 · 237 m² 6.7 m · 2 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.

Similar companies · same sector, comparable size

Of 7,298 companies in this sector we hold annual accounts for 2,364. 1,596 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded02-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
71121Engineering and related technical consultancy, excluding land surveyors
74209Other photographic activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013068889
Also 9925:BE1013068889
Registered 08-04-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.