VALFRA

Active

Private limited companyfounded 20242 yrs activeKoningin Astridlaan 49, 1780 Wemmel, BelgiumKBO/BCE: BE 1010.990.814

The computed 12-month bankruptcy probability of VALFRA is 3.9% (moderate). The 2025 annual accounts show equity of €28k and a net result of €8k. Its solvency ranks better than 33% of 13044 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

43 / 100

Weak▼ -30 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency10▼-22

Growth52

Stability82

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.64 against 1.67 in 2024), and 90.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

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

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

9.7%

Return on assets

2.7%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

17 d early

2024

37 d early

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€28k▲ 38.1%

2024 · €21k

2024: €21k

2024 → 2025

Total assets

€293k▲ 37.1%

2024 · €214k

2024: €214k

2024 → 2025

Net result

€8k▼ 49.6%

2024 · €16k

2024: €16k

2024 → 2025

Working capital

€-40k

2024 · €22k

2024: €22k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€21k-€28k▲ 38.1%

Operating result€23k-€21k▼ 9.4%

Net result€16k-€8k▼ 49.6%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 9% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €293k

75.1%

24.9%

Fixed assets €220k▲ 39.3%

Current assets €73k▲ 32.0%

Equity and liabilities €293k

10%

90.3%

Equity €28k▲ 38.1%

Debt €265k▲ 37.0%

The debt ratio falls from 90.4% to 90.3%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€46k▲

2024 · €35k

Cash flow

€33k▲

2024 · €28k

Solvency

9.7%▲

2024 · 9.6%

Current ratio

0.64▼

2024 · 1.67

Quick ratio

0.55▼

2024 · 1.42

Debt / equity

9.35▼

2024 · 9.42

ROE

27.6%▼

2024 · 75.6%

ROA

2.7%▼

2024 · 7.3%

Interest coverage

4.26▼

2024 · 8.88

Debt

€265k▲

2024 · €193k

Debt ≤ 1 year

€113k▲

2024 · €33k

Debt > 1 year

€150k▼

2024 · €159k

Income taxes

€3k▼

2024 · €4k

Staff costs

€90k▲

2024 · €44k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€214k€293k▲

Formation expenses20€514-

Fixed assets21/28€158k€220k▲

Intangible fixed assets21€38k€103k▲

Tangible fixed assets22/27€120k€117k▼

Plant, machinery and equipment23€94k€89k▼

Furniture and vehicles24€26k€26k▲

Leasing and similar rights25-€2k

Current assets29/58€55k€73k▲

Stocks and contracts in progress3€8k€11k▲

Stocks30/36€8k€11k▲

Amounts receivable within one year40/41-€259

Trade receivables40-€251

Other amounts receivable41-€8

Cash at bank and in hand54/58€46k€59k▲

Deferred charges and accrued income490/1€801€3k▲

Equity and liabilities

Total equity and liabilities10/49€214k€293k▲

Equity10/15€21k€28k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€16k€23k▲

Amounts payable17/49€193k€265k▲

Amounts payable after more than one year17€159k€150k▼

Financial debts170/4€159k€150k▼

Amounts payable within one year42/48€33k€113k▲

Current portion of amounts payable after more than one year42€8k€9k▲

Trade debts44€9k€84k▲

Suppliers440/4€9k€84k▲

Taxes, remuneration and social security45€14k€18k▲

Taxes450/3€8k€5k▼

Remuneration and social security454/9€5k€14k▲

Other amounts payable47/48€2k€2k=

Accrued charges and deferred income492/3€1k€1k=

Income statement Code20242025

Remuneration, social security and pensions62€44k€90k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€25k▲

Other operating charges640/8€2k€1k▼

Gross operating margin9900€81k€138k▲

Operating profit (loss)9901€23k€21k▼

Financial income75/76B€47€24▼

Recurring financial income75€47€24▼

Financial charges65/66B€4k€11k▲

Recurring financial charges65€4k€11k▲

Profit (loss) for the period before taxes9903€19k€10k▼

Income taxes67/77€4k€3k▼

Profit (loss) for the period9904€16k€8k▼

Profit (loss) for the period to be appropriated9905€16k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€23k▲

Profit (loss) brought forward from the previous period14P-€16k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

24-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

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, Wemmel · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Koningin Astridlaan 491780 Wemmel

Ground area

2,271 m²

Building footprint

704 m²

Volume, LiDAR

7,542 m³

2 parcels, Flanders, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

L'authentique

Rue de Waremme 21, 4530 Villers-le-BouilletFull-service restaurants

since 20242.360.987.225

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22662B0408/00S005	Flanders	1,531 m²	1 · 587 m²	13.9 m · 4 fl.
61068B0329/00R000	Wallonia	740 m²	1 · 116 m²	8.0 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,259 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-07-2024

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

01110Growing of cereals (except rice), leguminous crops and oil seeds

01500Mixed farming

56112Limited-service restaurants, excluding mobile food services

56210Event catering

56220Contract catering and other food service activities

56301Cafés and bars

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.