VALLORY
ActiveVALLORY has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.85M and a net result of €733k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 1.67 in 2024), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.4%
Return on assets
28.3%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
114 d early
2023
112 d early
2022
136 d early
2021
114 d early
2020
103 d early
2019
9 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.85M▲ 65.6%
2024 · €1.12M
2018: €180k
2019: €180k
2020: €383k
2021: €496k
2022: €579k
2023: €1.12M
2024: €1.12M
2018 → 2025
Total assets
€2.59M▲ 27.0%
2024 · €2.04M
2018: €456k
2019: €687k
2020: €715k
2021: €994k
2022: €1.27M
2023: €1.54M
2024: €2.04M
2018 → 2025
Net result
€733k▲ 48.1%
2024 · €495k
2018: €101k
2019: €209k
2020: €203k
2021: €324k
2022: €443k
2023: €544k
2024: €495k
2018 → 2025
Working capital
€1.21M▲ 155%
2024 · €474k
2018: €73k
2019: €108k
2020: €345k
2021: €198k
2022: €194k
2023: €800k
2024: €474k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€496k-€579k▲ 16.7%€1.12M▲ 93.9%€1.12M▼ 0.5%€1.85M▲ 65.6%
Operating result€396k-€555k▲ 40.1%€698k▲ 25.8%€608k▼ 12.8%€953k▲ 56.7%
Net result€324k-€443k▲ 36.9%€544k▲ 22.7%€495k▼ 9.0%€733k▲ 48.1%
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 2025; 2025 is 57% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.59M
Fixed assets
€798k▼ 7.5%
Current assets
€1.79M▲ 52.2%
Equity and liabilities €2.59M
Equity
€1.85M▲ 65.6%
Debt
€740k▼ 19.8%
The debt ratio falls from 45.2% to 28.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.07M▲
2024 · €727k
Cash flow
€850k▲
2024 · €614k
Solvency
71.4%▲
2024 · 54.8%
Current ratio
3.08▲
2024 · 1.67
Quick ratio
2.21▲
2024 · 1.01
Debt / equity
0.40▼
2024 · 0.83
ROE
39.6%▼
2024 · 44.3%
ROA
28.3%▲
2024 · 24.3%
Interest coverage
52.04▲
2024 · 40.04
Debt
€740k▼
2024 · €923k
Debt ≤ 1 year
€582k▼
2024 · €704k
Debt > 1 year
€158k▼
2024 · €219k
Income taxes
€249k▲
2024 · €150k
Staff costs
€511k▲
2024 · €453k
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€2.04M€2.59M▲
Fixed assets21/28€863k€798k▼
Intangible fixed assets21€2k€41k▲
Tangible fixed assets22/27€861k€757k▼
Plant, machinery and equipment23€39k€38k▼
Furniture and vehicles24€1k€832▼
Other tangible fixed assets26€821k€718k▼
Current assets29/58€1.18M€1.79M▲
Stocks and contracts in progress3€463k€505k▲
Stocks30/36€463k€505k▲
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€5k▲
Other amounts receivable41-€2k
Current investments50/53€0-
Cash at bank and in hand54/58€697k€1.27M▲
Deferred charges and accrued income490/1€16k€9k▼
Equity and liabilities
Total equity and liabilities10/49€2.04M€2.59M▲
Equity10/15€1.12M€1.85M▲
Contributions10/11€120k€120k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€986k€1.72M▲
Amounts payable17/49€923k€740k▼
Amounts payable after more than one year17€219k€158k▼
Financial debts170/4€219k€158k▼
Amounts payable within one year42/48€704k€582k▼
Current portion of amounts payable after more than one year42€61k€61k=
Trade debts44€238k€291k▲
Suppliers440/4€238k€291k▲
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€192k€220k▲
Taxes450/3€144k€180k▲
Remuneration and social security454/9€48k€40k▼
Other amounts payable47/48€213k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€453k€511k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€119k€117k▼
Other operating charges640/8€16k€13k▼
Gross operating margin9900€1.20M€1.59M▲
Operating profit (loss)9901€608k€953k▲
Financial income75/76B€55k€50k▼
Recurring financial income75€55k€50k▼
Financial charges65/66B€18k€21k▲
Recurring financial charges65€18k€21k▲
Profit (loss) for the period before taxes9903€645k€982k▲
Income taxes67/77€150k€249k▲
Profit (loss) for the period9904€495k€733k▲
Profit (loss) for the period to be appropriated9905€495k€733k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.49M€1.72M▲
Profit (loss) brought forward from the previous period14P€991k€986k▼
Profit to be distributed694/7€500k€0▼
Return on contributions (dividend)694€500k€0▼
Social balance
Average headcount (FTE)90877.97.9=
The notes to these accounts (14 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €733k ▲48.1%
Operating result €953k, net result €733k, both a record.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.93
Current ratio from 1.28 to 2.93; short-term debt falls from €693k to €415k.
31-12
Financial
Equity above €1MEq €1.12M ▲93.9%
6 profitable years in a row build equity to €1.12M.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €579k ▲16.7%
5 profitable years in a row build equity to €579k.
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €383k ▲113%
3 profitable years in a row build equity to €383k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2013
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.
Steenhouwersvest 122000 AntwerpenGround area
234 m²
Building footprint
138 m²
Parcel 11804D3317/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
VALLORY
since 20132.222.388.774
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D3317/00C000 | Flanders | 234 m² | 1 · 138 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 33,631 EUR awarded · 33,631 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 13,685 EUR | 21,185 EUR |
| 2024 | 1 | 14,150 EUR | 6,650 EUR |
| 2023 | 1 | 5,796 EUR | 5,796 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2013
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47530Retail trade
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.