Active BE 0801.508.030Private limited company

Valley Swat

Nieuwstraat 46 ·9990 Maldegem, Belgium· 3 yrs active

Sector: Detailhandel in andere huishoudelijke artikelen, neg (47559)

Conclusion Checked

The computed 12-month bankruptcy probability of Valley Swat is 3.1% (moderate). The 2024 annual accounts show equity of €13k and a net result of €12k. Its solvency ranks better than 74% of 6717 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€13k
Net result	€12k
Better than sector	74%
Active	3 yrs

Snowflake analysis 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 78

Profitability 66

Solvency 91

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

3.1% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

78 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 01-12-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	47.8%	20.4%	better than 74% of 6717 sector peers
Net result	€12k	€4k	better than 65% of 6698 sector peers
Equity	€13k	€16k	better than 46% of 6732 sector peers
Gross operating margin	€20k	€24k	better than 46% of 6677 sector peers
Total assets	€28k	€94k	better than 20% of 6721 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€999k
EBITDA	-
Net profit	€12k
Cash flow	-
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€28k
Equity	€13k
Debt	€14k
of which ≤ 1y	€14k
of which > 1y	-
Working capital	€13k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.92
Quick ratio	1.23
Working capital ratio	47.8%
Solvency	47.8%
Debt / equity	1.09
Long-term debt ratio	-
Interest coverage	-
Gross margin	2.0%
Net margin	1.2%
ROA	44.2%
ROE	92.5%
EBITDA margin	-
Days sales outstanding	0d
Days payable outstanding	0d
Inventory turnover	97.95
Days inventory (DSI)	4d

Balance-sheet composition 2024

Equity & liabilities

Equity €13k · 47.9% Debt €14k · 52.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€28k
Current assets	29/58	€28k
Stocks & contracts in progress	3	€10k
Amounts receivable within one year	40/41	€987
Cash & bank	54/58	€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€28k
Equity	10/15	€13k
Contributions / capital	10/11	€1k
Accumulated profits (losses)	14	€12k
Amounts payable	17/49	€14k
Amounts payable within one year	42/48	€14k
Trade debts payable within one year	44	€527
Income statement
Turnover	70	€999k
Gross operating margin	9900	€20k
Operating result	9901	€16k
Financial income	75	€0
Financial charges	65	€61
Result before taxes	9903	€16k
Income taxes	67/77	€4k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

Ratios computed by Checked.

Directors & mandates 4 directors

Current directors & mandates

Malghalara
Director
State Gazette act 24149553 (17-10-2024)

Current
02-10-2024 → present
Wagas Alam
Director
State Gazette act 23155904 (06-12-2023)

Current
06-12-2023 → present

Former directors (2)

Muhammad Alam
Director
State Gazette act 23155904 (06-12-2023)

Former
06-12-2023 → 02-10-2024
2 events
- 02-10-2024 Resigned· Director
- 06-12-2023 Appointed· Director
Waqas Alam
Director
State Gazette act 23155904 (06-12-2023)

Former
- → 06-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Detailhandel in andere huishoudelijke artikelen, neg(47559)
Legal form	Private limited company(610)
Incorporation	05-05-2023
Status	Active
Postal code	9990

Establishment units 2 locations

Valley Swat

Nieuwstraat 46, 9990 MaldegemDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)

since 20232.346.719.119

Ninove Nachtwinkel

Burchtstraat 39, 9400 NinoveOverige niet-gespecialiseerde detailhandel

since 20262.383.630.686

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41362B1062/02H000	Flanders	285 m²	1 · 285 m²	16.4 m · 3 fl.
43010G0282/00E002	Flanders	263 m²	1 · 113 m²	12.7 m · 3 fl.

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.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

01-12-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

17-10-2024

State Gazette act Capital & shares

2023

06-12-2023

State Gazette act Capital & shares

Belgisch Staatsblad, acts 2 acts

Capital history · 2

17-10-2024

Capital change

06-12-2023

Capital change

All acts · 2 updated 1 year ago

2024

17-10-2024 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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2023

06-12-2023 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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  "act_meta": {
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    "pub_date": "2023-12-06",
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    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
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    "act_date": "2023-11-02",
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    "underlying_resolution_date": "2023-06-30"
  },
  "bedrijfsrevisor": null,
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in andere huishoudelijke artikelen, neg47559Detailhandel in andere huishoudelijke artikelen in gespecialiseerde winkels, n.e.g.47599Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260

Primary activity highlighted.

Names & trade names

Legal nameNL

Valley Swat

Registered office

Nieuwstraat 46

9990 Maldegem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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