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VALIGO

Active
Private limited companyfounded 20233 yrs activeWalhof(BEV) 10, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0803.477.427
Summary

VALIGO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,089 and a net result of €2,184. Its solvency ranks better than 54% of 2601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability76▼-24
Solvency67▲+5
Growth52
Track record94
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.58 in 2024; short-term debt: 57.7% and cash: 13.5% of total assets), but 57.7% of the assets are financed with debt.
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Signals

Three 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 · 2 filings
Deviation from the deadline
2025
31 d late
2024
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average on the deadline day; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
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 3 July 2023, VALIGO was incorporated as a Private limited company.1 In 2026 the registered office moved to Beveren-Kruibeke-Zwijndrecht.2 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 14-09-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€15,089▲ 16.9%
2024 · €12,905
Total assets
€35,635▲ 1.6%
2024 · €35,068
Net result
€2,184▼ 79.0%
2024 · €10,405
Working capital
€14,143▲ 9.6%
2024 · €12,905
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€15,546-€4,498▼ 71.1%
Net result€10,405within the sector's middle half-€2,184within the sector's middle half▼ 79.0%
Equity€12,905within the sector's middle half-€15,089within the sector's middle half▲ 16.9%
Total assets€35,068below the sector's middle half-€35,635below the sector's middle half▲ 1.6%
Debt€22,163-€20,546▼ 7.3%
Working capital€12,905within the sector's middle half-€14,143within the sector's middle half▲ 9.6%
Solvency36.8%within the sector's middle half-42.3%within the sector's middle half▲ 5.5pp
Current ratio1.58within the sector's middle half-1.69within the sector's middle half▲ 0.11
Return on assets (ROA)29.7%above the sector's middle half-6.1%within the sector's middle half▼ 23.5pp
above within below the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000Operating result 2024: €15,546€15,546Net result 2024: €10,405€10,405Operating result 2025: €4,498€4,498Net result 2025: €2,184€2,18420242025€0€5,000€10,000€15,000Operating result 2024: €15,546€15,500Net result 2024: €10,405€10,400Operating result 2025: €4,498€4,500Net result 2025: €2,184€2,18020242025
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35,635
Fixed assets €946
Current assets €34,688
Equity and liabilities €35,635
Equity €15,089 ▲ 16.9%
Debt €20,546 ▼ 7.3%
Debt's share of the balance-sheet total falls from 63.2% to 57.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€4,657
Cash flow
€2,342
Debt to equity
1.36▼
2024 · 1.72
ROE
14.5%▼
2024 · 80.6%
Interest coverage
12.86
Debt ≤ 1 year
€20,546▼
2024 · €22,163
Income taxes
€1,953▼
2024 · €4,716
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% 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
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 39,276 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 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€35,068€35,635▲
Fixed assets21/28-€946
Tangible fixed assets22/27-€946
Plant, machinery and equipment23-€946
Current assets29/58€35,068€34,688▼
Amounts receivable within one year40/41€30,491€29,878▼
Trade receivables40€847-
Other amounts receivable41€29,644€29,878▲
Cash at bank and in hand54/58€4,577€4,811▲
Equity and liabilities
Total equity and liabilities10/49€35,068€35,635▲
Equity10/15€12,905€15,089▲
Contributions10/11€2,500€2,500=
Reserves13€10,405€12,589▲
Distributable reserves133€10,405€12,589▲
Amounts payable17/49€22,163€20,546▼
Amounts payable within one year42/48€22,163€20,546▼
Trade debts44€4,792€5,246▲
Suppliers440/4€4,792€5,246▲
Taxes, remuneration and social security45€17,370€15,300▼
Taxes450/3€17,370€15,300▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€158
Other operating charges640/8€2,139€805▼
Non-recurring operating charges66A€1,340-
Gross operating margin9900€19,026€5,462▼
Operating profit (loss)9901€15,546€4,498▼
Financial charges65/66B€425€362▼
Recurring financial charges65€425€362▼
Profit (loss) for the period before taxes9903€15,121€4,136▼
Income taxes67/77€4,716€1,953▼
Profit (loss) for the period9904€10,405€2,184▼
Profit (loss) for the period to be appropriated9905€10,405€2,184▼
Appropriation of the result
Profit (loss) to be appropriated9906€10,405€2,184▼
Transfer to equity691/2€10,405€2,184▼
To other reserves6921€10,405€2,184▼

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

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€158-
Other operating charges640/8€2,139€805▼ 62.4%
Non-recurring operating charges66A€1,340--
Gross operating margin9900€19,026€5,462▼ 71.3%
Operating profit (loss)9901€15,546€4,498▼ 71.1%
Financial charges65/66B€425€362▼ 14.8%
Recurring financial charges65€425€362▼ 14.8%
Profit (loss) for the period before taxes9903€15,121€4,136▼ 72.6%
Income taxes67/77€4,716€1,953▼ 58.6%
Profit (loss) for the period9904€10,405€2,184▼ 79.0%
Profit (loss) for the period to be appropriated9905€10,405€2,184▼ 79.0%
Line20242025Change
Assets
Total assets20/58€35,068€35,635▲ 1.6%
Fixed assets21/28-€946-
Tangible fixed assets22/27-€946-
Plant, machinery and equipment23-€946-
Current assets29/58€35,068€34,688▼ 1.1%
Amounts receivable within one year40/41€30,491€29,878▼ 2.0%
Trade receivables40€847--
Other amounts receivable41€29,644€29,878▲ 0.8%
Cash at bank and in hand54/58€4,577€4,811▲ 5.1%
Equity and liabilities
Total equity and liabilities10/49€35,068€35,635▲ 1.6%
Equity10/15€12,905€15,089▲ 16.9%
Contributions10/11€2,500€2,500=
Reserves13€10,405€12,589▲ 21.0%
Distributable reserves133€10,405€12,589▲ 21.0%
Amounts payable17/49€22,163€20,546▼ 7.3%
Amounts payable within one year42/48€22,163€20,546▼ 7.3%
Trade debts44€4,792€5,246▲ 9.5%
Suppliers440/4€4,792€5,246▲ 9.5%
Taxes, remuneration and social security45€17,370€15,300▼ 11.9%
Taxes450/3€17,370€15,300▼ 11.9%
Line20242025Change
Profit (loss) for the period9904€10,405€2,184▼ 79.0%
+ Depreciation and write-downs630-€158-
Operating cash flow (approximation)€10,405€2,342▼ 77.5%
Change in cash-€234-

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
14-09
State Gazette act General meeting · Registered-office move
Director in office3 facts ▸
  • General meeting, 09-01-2026
  • Registered-office move, Walhof 10 B002 te 9120 Beveren-Kruibeke-Zwijndrecht
  • Director in office, Tiago Dias Oliveira (director)
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
4,494 m²
Building footprint
766 m²
Parcel 46502D1416/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
VALIGO
Walhof(BEV) 10, 9120 Beveren-Kruibeke-ZwijndrechtRetail trade
since 20232.347.496.307
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46502D1416/00F000 Flanders 4,494 m² 1 · 766 m² -
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 1,876 companies in sector 95314 we hold annual accounts for 847. 405 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
95314Bodywork repair (including spraying and painting)
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803477427
Also 9925:BE0803477427
Registered 21-08-2025

Register as of 28 September 2026 · Peppol Directory

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