VALOR
ActiveVALOR has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289k and a net result of €39k. Equity is growing by ~55.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 8.2 against 7.68 in 2024; short-term debt: 12.1% and cash: 5.5% of total assets), and 17% 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○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 →
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
83%
Return on assets
11.1%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
31 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€289k▲ 8.5%
2024 · €266k
2018: €-10k
2019: €8k
2020: €29k
2021: €44k
2022: €124k
2023: €195k
2024: €266k
2018 → 2025
Total assets
€348k▲ 5.7%
2024 · €329k
2018: €23k
2019: €17k
2020: €51k
2021: €62k
2022: €204k
2023: €278k
2024: €329k
2018 → 2025
Net result
€39k▼ 46.1%
2024 · €72k
2018: €-13k
2019: €18k
2020: €21k
2021: €15k
2022: €79k
2023: €71k
2024: €72k
2018 → 2025
Working capital
€302k▲ 14.6%
2024 · €263k
2018: €-20k
2019: €3k
2020: €26k
2021: €43k
2022: €107k
2023: €186k
2024: €263k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€124k▲ 179%€195k▲ 57.4%€266k▲ 36.8%€289k▲ 8.5%
Operating result€20k-€114k▲ 479%€106k▼ 7.0%€107k▲ 0.8%€55k▼ 48.7%
Net result€15k-€79k▲ 422%€71k▼ 10.5%€72k▲ 0.8%€39k▼ 46.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €348k
Fixed assets
€4k▼ 84.9%
Current assets
€344k▲ 13.5%
Equity and liabilities €348k
Equity
€289k▲ 8.5%
Debt
€59k▼ 6.3%
The debt ratio falls from 19.1% to 17.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €119k
Cash flow
€39k▼
2024 · €83k
Solvency
83.0%▲
2024 · 80.9%
Current ratio
8.20▲
2024 · 7.68
Quick ratio
8.20▲
2024 · 7.68
Debt / equity
0.20▼
2024 · 0.24
ROE
13.4%▼
2024 · 26.9%
ROA
11.1%▼
2024 · 21.7%
Interest coverage
259.27▲
2024 · 46.45
Debt
€59k▼
2024 · €63k
Debt ≤ 1 year
€42k▲
2024 · €39k
Debt > 1 year
€1k▼
2024 · €10k
Income taxes
€19k▼
2024 · €35k
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€329k€348k▲
Fixed assets21/28€26k€4k▼
Tangible fixed assets22/27€26k€4k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€26k-
Financial fixed assets28€100€100=
Current assets29/58€303k€344k▲
Amounts receivable after more than one year29€170k€250k▲
Other amounts receivable291€170k€250k▲
Amounts receivable within one year40/41€67k€74k▲
Trade receivables40€145€2k▲
Other amounts receivable41€67k€72k▲
Cash at bank and in hand54/58€65k€19k▼
Equity and liabilities
Total equity and liabilities10/49€329k€348k▲
Equity10/15€266k€289k▲
Contributions10/11€20k€20k=
Reserves13€227k€249k▲
Distributable reserves133€227k€249k▲
Profit (loss) carried forward14€19k€20k▲
Amounts payable17/49€63k€59k▼
Amounts payable after more than one year17€10k€1k▼
Financial debts170/4€10k€1k▼
Amounts payable within one year42/48€39k€42k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€2k€923▼
Suppliers440/4€2k€923▼
Taxes, remuneration and social security45€30k€17k▼
Taxes450/3€30k€17k▼
Other amounts payable47/48-€16k
Accrued charges and deferred income492/3€14k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€890▼
Other operating charges640/8€1k€972▼
Gross operating margin9900€120k€57k▼
Operating profit (loss)9901€107k€55k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€215▼
Recurring financial charges65€3k€215▼
Profit (loss) for the period before taxes9903€106k€57k▼
Income taxes67/77€35k€19k▼
Profit (loss) for the period9904€72k€39k▼
Profit (loss) for the period to be appropriated9905€72k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€58k▼
Profit (loss) brought forward from the previous period14P€18k€19k▲
Transfer from equity791/2-€16k
Transfer to equity691/2€70k€38k▼
To other reserves6921€70k€38k▼
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Equity above €200kEq €266k ▲36.8%
6 profitable years in a row build equity to €266k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €150kEq €195k ▲57.4%
5 profitable years in a row build equity to €195k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €79k ▲422%
Operating result €114k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲179%
4 profitable years in a row build equity to €124k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.33
Current ratio from 0.36 to 1.33; short-term debt falls from €32k to €9k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 151 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brakel · 1 establishment unit since 2015
Ground area
1,084 m²
Building footprint
233 m²
Parcel 45024C0456/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
VALOR
since 20152.240.985.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45024C0456/00E000 | Flanders | 1,084 m² | 1 · 233 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
2022 to 2025 · 2 entries · 1,595 EUR awarded · 1,595 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,443 EUR | 1,443 EUR |
| 2022 | 1 | 152 EUR | 152 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,988 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2015
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
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 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:nico.harboort@gmail.com
Phone:0470220905