Summary
Valloo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €817,304 and a net result of €72,413. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 6166 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
60 d late
2021
31 d late
2020
31 d late
2019
81 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€817,304▲ 8.8%
2023 · €750,891
Net result
€72,413▲ 13.5%
2023 · €63,822
Total assets
€1.2m▲ 4.5%
2023 · €1.2m
Solvency
65.8%▲ 2.6pp
2023 · 63.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20202021202220232024
Operating result€74,266▲ 38.8%€83,905▲ 13.0%€78,790▼ 6.1%€62,746▼ 20.4%€68,135▲ 8.6%
Net result€78,452within the sector's middle half▲ 192%€99,509within the sector's middle half▲ 26.8%€77,774within the sector's middle half▼ 21.8%€63,822within the sector's middle half▼ 17.9%€72,413within the sector's middle half▲ 13.5%
Equity€548,786within the sector's middle half▲ 13.1%€633,295within the sector's middle half▲ 15.4%€696,069within the sector's middle half▲ 9.9%€750,891within the sector's middle half▲ 7.9%€817,304within the sector's middle half▲ 8.8%
Total assets€1.1mwithin the sector's middle half▲ 1.0%€1.2mwithin the sector's middle half▲ 3.9%€1.2mwithin the sector's middle half▲ 0.3%€1.2mwithin the sector's middle half▲ 1.9%€1.2mwithin the sector's middle half▲ 4.5%
Debt€570,185▼ 8.4%€529,415▼ 7.2%€470,046▼ 11.2%€436,922▼ 7.0%€424,263▼ 2.9%
Working capital-€137,699within the sector's middle half▼ 21.0%-€99,576within the sector's middle half▲ 27.7%-€83,768within the sector's middle half▲ 15.9%-€76,065within the sector's middle half▲ 9.2%-€67,493within the sector's middle half▲ 11.3%
Solvency49.0%within the sector's middle half▲ 5.2pp54.5%within the sector's middle half▲ 5.4pp59.7%within the sector's middle half▲ 5.2pp63.2%within the sector's middle half▲ 3.5pp65.8%within the sector's middle half▲ 2.6pp
Current ratio0.22below the sector's middle half▲ 0.030.45within the sector's middle half▲ 0.230.51within the sector's middle half▲ 0.050.59within the sector's middle half▲ 0.080.65within the sector's middle half▲ 0.06
Return on assets (ROA)7.0%within the sector's middle half▲ 4.6pp8.6%within the sector's middle half▲ 1.5pp6.7%within the sector's middle half▼ 1.9pp5.4%within the sector's middle half▼ 1.3pp5.8%within the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.1m ▲ 3.5%
Current assets
€124,258 ▲ 15.1%
Equity and liabilities €1.2m
Equity
€817,304 ▲ 8.8%
Debt
€424,263 ▼ 2.9%
Debt's share of the balance-sheet total falls from 36.8% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.9%▲
2023 · 8.5%
Debt ≤ 1 year
€191,752▲
2023 · €184,035
Debt > 1 year
€229,710▼
2023 · €251,046
Income taxes
€17,331▲
2023 · €14,836
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €653 | - | - | - | €4,909 | - |
| Other operating charges640/8 | - | €1,063 | €1,065 | €1,167 | €1,183 | ▲ 1.4% |
| Gross operating margin9900 | €76,058 | €84,968 | €79,855 | €63,913 | €74,227 | ▲ 16.1% |
| Operating profit (loss)9901 | €74,266 | €83,905 | €78,790 | €62,746 | €68,135 | ▲ 8.6% |
| Financial income75/76B | - | €43,372 | €23,173 | €22,888 | €30,711 | ▲ 34.2% |
| Recurring financial income75 | €23,925 | €43,372 | €23,173 | €22,888 | €30,711 | ▲ 34.2% |
| Financial charges65/66B | - | €6,919 | €6,516 | €6,976 | €9,102 | ▲ 30.5% |
| Recurring financial charges65 | €9,582 | €6,919 | €6,516 | €6,976 | €9,102 | ▲ 30.5% |
| Profit (loss) for the period before taxes9903 | €88,609 | €120,358 | €95,447 | €78,658 | €89,744 | ▲ 14.1% |
| Income taxes67/77 | €10,158 | €20,849 | €17,673 | €14,836 | €17,331 | ▲ 16.8% |
| Profit (loss) for the period9904 | €78,452 | €99,509 | €77,774 | €63,822 | €72,413 | ▲ 13.5% |
| Profit (loss) for the period to be appropriated9905 | €78,452 | €99,509 | €77,774 | €63,822 | €72,413 | ▲ 13.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.2m | €1.2m | €1.2m | €1.2m | ▲ 4.5% |
| Fixed assets21/28 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | ▲ 3.5% |
| Tangible fixed assets22/27 | - | - | - | - | €37,466 | - |
| Furniture and vehicles24 | - | - | - | - | €37,466 | - |
| Financial fixed assets28 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Current assets29/58 | €39,128 | €82,868 | €86,272 | €107,970 | €124,258 | ▲ 15.1% |
| Amounts receivable within one year40/41 | €38,805 | €74,720 | €84,563 | €98,404 | €123,244 | ▲ 25.2% |
| Trade receivables40 | - | €74,720 | €84,563 | €98,240 | €120,411 | ▲ 22.6% |
| Other amounts receivable41 | - | - | - | €164 | €2,833 | ▲ 1,629% |
| Current investments50/53 | - | - | - | - | €525 | - |
| Cash at bank and in hand54/58 | €205 | €8,148 | €1,709 | €9,566 | €489 | ▼ 94.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.2m | €1.2m | €1.2m | €1.2m | ▲ 4.5% |
| Equity10/15 | €548,786 | €633,295 | €696,069 | €750,891 | €817,304 | ▲ 8.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €529,860 | €614,369 | €677,143 | €731,965 | €798,378 | ▲ 9.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | - | €612,509 | €675,283 | €730,105 | €798,378 | ▲ 9.4% |
| Profit (loss) carried forward14 | €326 | €326 | €326 | €326 | €326 | = |
| Amounts payable17/49 | €570,185 | €529,415 | €470,046 | €436,922 | €424,263 | ▼ 2.9% |
| Amounts payable after more than one year17 | €392,317 | €345,779 | €298,691 | €251,046 | €229,710 | ▼ 8.5% |
| Financial debts170/4 | - | €345,779 | €298,691 | €251,046 | €229,710 | ▼ 8.5% |
| Amounts payable within one year42/48 | €176,828 | €182,444 | €170,040 | €184,035 | €191,752 | ▲ 4.2% |
| Current portion of amounts payable after more than one year42 | - | €51,554 | €50,421 | €52,645 | €62,017 | ▲ 17.8% |
| Financial debts43 | - | €900 | - | - | - | - |
| Credit institutions430/8 | - | €900 | - | - | - | - |
| Trade debts44 | €4,158 | €10,277 | €5,065 | €5,322 | €5,363 | ▲ 0.8% |
| Suppliers440/4 | - | €10,277 | €5,065 | €5,322 | €5,363 | ▲ 0.8% |
| Taxes, remuneration and social security45 | - | €42,176 | €33,486 | €18,458 | €14,797 | ▼ 19.8% |
| Taxes450/3 | - | €16,536 | €19,102 | €6,157 | €5,996 | ▼ 2.6% |
| Remuneration and social security454/9 | - | €25,639 | €14,384 | €12,301 | €8,801 | ▼ 28.5% |
| Other amounts payable47/48 | - | €77,537 | €81,068 | €107,610 | €109,575 | ▲ 1.8% |
| Accrued charges and deferred income492/3 | - | €1,192 | €1,315 | €1,841 | €2,802 | ▲ 52.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €78,452 | €99,509 | €77,774 | €63,822 | €72,413 | ▲ 13.5% |
| + Depreciation and write-downs630 | €653 | - | - | - | €4,909 | - |
| Operating cash flow (approximation) | €79,104 | €99,509 | €77,774 | €63,822 | €77,323 | ▲ 21.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€42,375 | - |
| Change in cash | - | €7,943 | -€6,439 | €7,857 | -€9,077 | ▼ 216% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €99,509 ▲26.8%
Operating result €83,905, net result €99,509, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €500,000Eq €548,786 ▲13.1%
3 profitable years in a row build equity to €548,786.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 81 days late
2019
31-12
Financial
Weakest financial yearnet €26,884 ▼69.7%
Net result drops to €26,884, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lokeren
Ground area
1,298 m²
Building footprint
272 m²
Volume, LiDAR
1,552 m³
Parcel 46384C0701/00R002, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384C0701/00R002 | Flanders | 1,298 m² | 1 · 272 m² | 11.5 m · 2 fl. |
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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
96.67%
According to the 2024 annual accounts of Valloo and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,134 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
Founded08-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0821206849
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.