VALLAEY AGRICULTURE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.88M and a net result of €82k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 2389 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-02-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
23 d early
2023
21 d early
2022
19 d early
2021
5 d early
2020
7 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€3.88M▲ 2.2%
2024 · €3.80M
2018: €1.93M
2019: €1.99M
2020: €2.57M
2021: €3.45M
2022: €3.55M
2023: €3.59M
2024: €3.80M
2018 → 2025
Net result
€82k▼ 61.0%
2024 · €210k
2018: €55k
2019: €58k
2020: €578k
2021: €77k
2022: €54k
2023: €33k
2024: €210k
2018 → 2025
Total assets
€7.26M▲ 15.1%
2024 · €6.30M
2018: €5.78M
2019: €5.70M
2020: €5.21M
2021: €6.51M
2022: €6.53M
2023: €6.54M
2024: €6.30M
2018 → 2025
Solvency
53.5%▼ 6.8pp
2024 · 60.3%
2018: 33.4%
2019: 34.9%
2020: 49.3%
2021: 53.0%
2022: 54.4%
2023: 54.9%
2024: 60.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€361k-€354k▼ 2.0%€356k▲ 0.5%€579k▲ 62.9%€361k▼ 37.7%
Equity€3.45M-€3.55M▲ 2.9%€3.59M▲ 0.9%€3.80M▲ 5.9%€3.88M▲ 2.2%
Operating result€146k-€120k▼ 18.1%€113k▼ 5.5%€329k▲ 191%€172k▼ 47.6%
Net result€77k-€54k▼ 28.8%€33k▼ 38.8%€210k▲ 530%€82k▼ 61.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.26M
Fixed assets
€6.10M▲ 14.4%
Current assets
€1.16M▲ 18.9%
Equity and liabilities €7.26M
Equity
€3.88M▲ 2.2%
Provisions
€127k=
Debt
€3.25M▲ 36.7%
The debt ratio rises from 37.7% to 44.8%. Equity and debt are higher.
Key figures and ratios
Solvency
53.5%▼
2024 · 60.3%
ROE
2.1%▼
2024 · 5.5%
ROA
1.1%▼
2024 · 3.3%
Debt
€3.25M▲
2024 · €2.38M
Debt ≤ 1 year
€1.41M▲
2024 · €1.19M
Debt > 1 year
€1.82M▲
2024 · €1.18M
Income taxes
€27k▼
2024 · €70k
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€6.30M€7.26M▲
Fixed assets21/28€5.33M€6.10M▲
Tangible fixed assets22/27€2.22M€2.99M▲
Land and buildings22€2.07M€2.75M▲
Plant, machinery and equipment23€78k€240k▲
Assets under construction and advance payments27€75k€0▼
Financial fixed assets28€3.11M€3.11M=
Affiliated companies280/1€3.11M€3.11M=
Participating interests280€3.11M€3.11M=
Other financial fixed assets284/8€3k€3k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€972k€1.16M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€914k€1.01M▲
Trade receivables40€205k€280k▲
Other amounts receivable41€709k€733k▲
Cash at bank and in hand54/58€26k€131k▲
Deferred charges and accrued income490/1€31k€11k▼
Equity and liabilities
Total equity and liabilities10/49€6.30M€7.26M▲
Equity10/15€3.80M€3.88M▲
Contributions10/11€880k€880k=
Revaluation surpluses12€68k€68k=
Reserves13€2.85M€2.93M▲
Distributable reserves133€2.85M€2.93M▲
Provisions and deferred taxes16€127k€127k=
Provisions for liabilities and charges160/5€127k€127k=
Pensions and similar obligations160€127k€127k=
Amounts payable17/49€2.38M€3.25M▲
Amounts payable after more than one year17€1.18M€1.82M▲
Financial debts170/4€369k€1.01M▲
Credit institutions173€369k€1.01M▲
Other amounts payable178/9€811k€811k=
Amounts payable within one year42/48€1.19M€1.41M▲
Current portion of amounts payable after more than one year42€150k€215k▲
Financial debts43€50k€8k▼
Credit institutions430/8€50k€8k▼
Trade debts44€8k€79k▲
Suppliers440/4€8k€79k▲
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€11k€15k▲
Other amounts payable47/48€975k€1.10M▲
Accrued charges and deferred income492/3€3k€15k▲
Income statement
Code20242025
Operating income70/76A€634k€641k▲
Turnover70€579k€361k▼
Other operating income74€54k€92k▲
Non-recurring operating income76A-€188k
Operating charges60/66A€305k€468k▲
Services and other goods61€131k€211k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€145k€223k▲
Other operating charges640/8€29k€34k▲
Operating profit (loss)9901€329k€172k▼
Financial income75/76B€13k€13k▲
Recurring financial income75€13k€13k▲
Income from current assets751€13k€13k▲
Financial charges65/66B€61k€76k▲
Recurring financial charges65€61k€76k▲
Debt charges650€60k€74k▲
Other financial charges652/9€1k€2k▲
Profit (loss) for the period before taxes9903€280k€109k▼
Income taxes67/77€70k€27k▼
Taxes670/3€70k€27k▼
Profit (loss) for the period9904€210k€82k▼
Profit (loss) for the period to be appropriated9905€210k€82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€210k€82k▼
Transfer to equity691/2€210k€82k▼
To other reserves6921€210k€82k▼
The notes to these accounts (64 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Weakest financial yearnet €33k ▼38.8%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Highest result since 2018net €578k ▲890%
Net result €578k, the highest in the series.
30-09
Financial
Equity above €2MEq €2.57M ▲29.1%
3 profitable years in a row build equity to €2.57M.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Lichtervelde · 1 establishment unit since 2008
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.
Mortelputstraat 118810 LichterveldeGround area
9,434 m²
Building footprint
2,802 m²
Volume, LiDAR
21,969 m³
Parcel 36011E0561/00V000, Flanders · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mortelputstraat 11, 8810 Lichtervelde
since 20082.173.335.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011E0561/00V000 | Flanders | 9,433 m² | 1 · 2,802 m² | 14.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 8,919 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2008
Fiscal year end30-09
Abbreviation NL
VALLAEY AG.
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.