Valoco
ActiveValoco has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €-8k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 68% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-82
Solvency79▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.97 against 3.77 in 2024; short-term debt: 19.6% and cash: 15.4% of total assets), and 46.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.8%
Return on assets
-4.1%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
34 d early
2022
31 d early
2021
33 d early
2020
31 d early
2019
35 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€105k▼ 50.7%
2024 · €213k
2018: €28k
2019: €17k
2020: €32k
2021: €64k
2022: €81k
2023: €62k
2024: €213k
2018 → 2025
Total assets
€195k▼ 52.7%
2024 · €413k
2018: €41k
2019: €262k
2020: €288k
2021: €564k
2022: €506k
2023: €249k
2024: €413k
2018 → 2025
Net result
€-8k
2024 · €151k
2018: €18k
2019: €-10k
2020: €8k
2021: €32k
2022: €42k
2023: €-19k
2024: €151k
2018 → 2025
Working capital
€152k▼ 49.2%
2024 · €299k
2018: €21k
2019: €-83k
2020: €-88k
2021: €-110k
2022: €-125k
2023: €-53k
2024: €299k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€81k▲ 26.5%€62k▼ 23.6%€213k▲ 246%€105k▼ 50.7%
Operating result€55k-€65k▲ 17.6%€-13k€207k€7k▼ 96.9%
Net result€32k-€42k▲ 30.3%€-19k€151k€-8k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€5k▼ 9.9%
Current assets
€190k▼ 53.3%
Equity and liabilities €195k
Equity
€105k▼ 50.7%
Debt
€90k▼ 54.8%
The debt ratio falls from 48.4% to 46.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €207k
Cash flow
€-7k▼
2024 · €152k
Solvency
53.8%▲
2024 · 51.6%
Current ratio
4.97▲
2024 · 3.77
Quick ratio
0.79▼
2024 · 1.28
Debt / equity
0.86▼
2024 · 0.94
ROE
-7.6%▼
2024 · 71.1%
ROA
-4.1%▼
2024 · 36.7%
Interest coverage
0.49▼
2024 · 27.88
Debt
€90k▼
2024 · €200k
Debt ≤ 1 year
€38k▼
2024 · €108k
Debt > 1 year
€52k▼
2024 · €92k
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€413k€195k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€3k€3k=
Current assets29/58€407k€190k▼
Stocks and contracts in progress3€268k€160k▼
Stocks30/36€268k€160k▼
Amounts receivable within one year40/41€84k€21▼
Trade receivables40€5k€21▼
Other amounts receivable41€80k-
Cash at bank and in hand54/58€54k€30k▼
Equity and liabilities
Total equity and liabilities10/49€413k€195k▼
Equity10/15€213k€105k▼
Contributions10/11€19k€19k=
Reserves13€194k€94k▼
Distributable reserves133€194k€94k▼
Profit (loss) carried forward14-€-8k
Amounts payable17/49€200k€90k▼
Amounts payable after more than one year17€92k€52k▼
Financial debts170/4€92k€52k▼
Amounts payable within one year42/48€108k€38k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€74k€9k▼
Taxes450/3€74k€9k▼
Other amounts payable47/48€13k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€573€573=
Other operating charges640/8€2k€12k▲
Gross operating margin9900€209k€19k▼
Operating profit (loss)9901€207k€7k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€7k€15k▲
Recurring financial charges65€7k€15k▲
Profit (loss) for the period before taxes9903€199k€-8k▼
Income taxes67/77€48k-
Profit (loss) for the period9904€151k€-8k▼
Profit (loss) for the period to be appropriated9905€151k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€132k€-8k▼
Profit (loss) brought forward from the previous period14P€-19k-
Transfer from equity791/2-€100k
Transfer to equity691/2€132k-
To other reserves6921€132k-
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (6 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €151k
Net result €151k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 3.77
Current ratio from 0.40 to 3.77.
31-12
Financial
Equity above €200kEq €213k ▲246%
Equity rises from €62k to €213k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k ▼145%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
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
5 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, Bonheiden · 1 establishment unit since 2015
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.
Eisenhowerlaan 392820 BonheidenGround area
1,032 m²
Building footprint
187 m²
Volume, LiDAR
812 m³
Parcel 12005B0285/00F000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Valoco
since 20152.251.318.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005B0285/00F000 | Flanders | 1,032 m² | 1 · 187 m² | 6.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 670 EUR awarded · 604 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 180 EUR | 180 EUR |
| 2024 | 1 | 152 EUR | 86 EUR |
| 2022 | 1 | 338 EUR | 338 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 5,310 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2015
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.