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Valley Swat

Active
Private limited companyfounded 2023active for 3 yearsNieuwstraat 46, 9990 Maldegem, BelgiumKBO/BCE: BE 0801.508.030
Summary

The computed 12-month bankruptcy probability of Valley Swat is 4.0% (moderate). The 2024 annual accounts show equity of €13,265 and a net result of €12,265. Its solvency ranks better than 63% of 25,588 sector peers (NACE 47, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of other household articles
NACE 47559
2 sites
Size
€999,170turnover 2024
Equity
€13,265
Profit
€12,265
Financial health
51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
4.0%
Structure
Accounts filed 123 days late1 of 3 deeds read
Why 51raises riskFigures for financial year 2024 (filed 03-12-2025)1 financial year not filed after the legal deadline; latest accounts 123 days late; 1 of the last 3 lateFounded in 2023lowers riskLiquidity: current ratio 1.92, cash €16,736Show the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 79% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency 73
equity 47.8% of total assets
Liquidity 74
short-term debt 52.2% · cash 60.4%
Profitability 100
return on assets 44.2%
Bankruptcy probability, 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,224 companies, NACE 47, micro)
Last 24 months 11-2024: 2.6% 12-2024: 2.9%▲ +0.3 percentage points vs 11-2024 01-2025: 2.9%● unchanged vs 12-2024 02-2025: 2.8%▼ -0.1 percentage points vs 01-2025 03-2025: 2.8%● unchanged vs 02-2025 04-2025: 3.2%▲ +0.4 percentage points vs 03-2025 05-2025: 3.2%● unchanged vs 04-2025 06-2025: 3.2%● unchanged vs 05-2025 07-2025: 3.2%● unchanged vs 06-2025 08-2025: 3.2%● unchanged vs 07-2025 09-2025: 3.2%● unchanged vs 08-2025 10-2025: 3.2%● unchanged vs 09-2025 11-2025: 3.1%▼ -0.1 percentage points vs 10-2025 12-2025: 7.1%▲ +4.0 percentage points vs 11-2025highest value 01-2026: 1.7%▼ -5.4 percentage points vs 12-2025lowest value 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 1.8%▲ +0.1 percentage points vs 02-2026 04-2026: 1.8%● unchanged vs 03-2026 05-2026: 1.8%● unchanged vs 04-2026 06-2026: 1.7%▼ -0.1 percentage points vs 05-2026 07-2026: 1.7%● unchanged vs 06-2026 08-2026: 2.4%▲ +0.7 percentage points vs 07-2026 09-2026: 2.7%▲ +0.3 percentage points vs 08-2026 10-2026: 4.0%▲ +1.3 percentage points vs 09-2026
Credit of up to €500 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity ample (current ratio 1.92, above the usual 1.5; short-term debt: 52.2% and cash: 60.4% of total assets), but 52.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 62% on solvency, 79% on liquidity and 96% on profitability.

The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed 03-12-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 123 days late; 1 of the last 3 late
NBB · filings
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 1.92, cash €16,736
NBB · annual accounts
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-12-2025, 123 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 1 filing
Deviation from the deadline
2024
123 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 123 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Resignation: Muhammad Alam (director)Appointment: Malghalara (director) · Share…

Key points

  • Caution: Latest accounts filed lateafter the legal deadline 123 days View
  • Turnover 2024first financial year filed €999,170 View
  • Active since 2023founded 05-05-2023 3 years View

By topic

Financials

Financial year
2024
Turnover
€999,170
Profit
€12,265
Solvency
47.8%
Go to Financials

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of other household articlesNACE 47559
Founded
05-05-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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