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ValEr

Active
Private limited companyfounded 2024active for 2 yearsKleine Meylstraat 15, 2550 Kontich, BelgiumKBO/BCE: BE 1013.068.889

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

ValEr has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,877 and a net result of €8,877. Its solvency ranks better than 40% of 34,855 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Financials · financial year 2025, micro format

2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00477121.

Latest annual accounts filed

Annual accounts 2025

View at the NBB
Financial year ended
31-12-2025
Filed on
31-08-2026
Format
micro format
Reference
2026-00477121
Turnover
≈ €190,000
Estimated: probably between €110,000 and €390,000
Total assets
€36,320
Net result
€8,877
Working capital
€7,599

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

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 95.9% 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
95.9% still going

For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 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% 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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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

Source: Annual accounts 2025 at the NBB, filed with the National Bank on 31-08-2026.

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 in the accounts filed with the National Bank.

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.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference Document
31-12-2025 micro format 31-08-2026 2026-00477121 NBB

Similar companies · same sector, comparable size

Of the 7,262 active companies whose main activity is other building finishing work (NACE 43350), figures are known for 2,408. 1,638 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.