VALOR CAFÉ
ActiveThe computed 12-month bankruptcy probability of VALOR CAFÉ is 1.6% (moderate). The 2024 annual accounts show equity of €330k and a net result of €51k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 95% of 18938 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▲+9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 6.64 against 8.46 in 2023), and 13.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
86.9%
Return on assets
13.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
16 d early
2022
11 d early
2021
24 d early
2020
58 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€330k▲ 18.4%
2023 · €279k
2018: €45k
2019: €55k
2020: €138k
2021: €209k
2022: €241k
2023: €279k
2018 → 2024
Total assets
€380k▲ 23.2%
2023 · €309k
2018: €129k
2019: €151k
2020: €185k
2021: €262k
2022: €273k
2023: €309k
2018 → 2024
Net result
€51k▲ 34.2%
2023 · €38k
2018: €-31k
2019: €10k
2020: €83k
2021: €71k
2022: €32k
2023: €38k
2018 → 2024
Working capital
€282k▲ 26.3%
2023 · €223k
2018: €-54k
2019: €-41k
2020: €48k
2021: €128k
2022: €171k
2023: €223k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€138k-€209k▲ 51.4%€241k▲ 15.2%€279k▲ 15.9%€330k▲ 18.4%
Operating result€83k-€82k▼ 1.4%€46k▼ 44.3%€57k▲ 24.4%€68k▲ 19.3%
Net result€83k-€71k▼ 14.2%€32k▼ 55.2%€38k▲ 20.7%€51k▲ 34.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 19% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €380k
Fixed assets
€49k▼ 13.0%
Current assets
€332k▲ 31.2%
Equity and liabilities €380k
Equity
€330k▲ 18.4%
Debt
€50k▲ 67.2%
The debt ratio rises from 9.7% to 13.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€79k▲
2023 · €71k
Cash flow
€63k▲
2023 · €52k
Solvency
86.9%▼
2023 · 90.3%
Current ratio
6.64▼
2023 · 8.46
Quick ratio
6.55▼
2023 · 8.32
Debt / equity
0.15▲
2023 · 0.11
ROE
15.6%▲
2023 · 13.7%
ROA
13.5%▲
2023 · 12.4%
Interest coverage
119.69▲
2023 · 87.97
Debt
€50k▲
2023 · €30k
Debt ≤ 1 year
€50k▲
2023 · €30k
Income taxes
€20k▲
2023 · €19k
Staff costs
€4k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€309k€380k▲
Fixed assets21/28€56k€49k▼
Intangible fixed assets21€271€0▼
Tangible fixed assets22/27€56k€49k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€723€3k▲
Other tangible fixed assets26€42k€37k▼
Financial fixed assets28€121€121=
Current assets29/58€253k€332k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€98k€236k▲
Trade receivables40€16k€31k▲
Other amounts receivable41€82k€205k▲
Cash at bank and in hand54/58€149k€89k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€309k€380k▲
Equity10/15€279k€330k▲
Contributions10/11€140k€140k=
Reserves13€139k€190k▲
Distributable reserves133€139k€190k▲
Amounts payable17/49€30k€50k▲
Amounts payable within one year42/48€30k€50k▲
Trade debts44€3k€3k=
Suppliers440/4€3k€3k=
Advances received on contracts in progress46€321€0▼
Taxes, remuneration and social security45€27k€47k▲
Taxes450/3€27k€47k▲
Remuneration and social security454/9€33€576▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€2k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€651€1k▲
Gross operating margin9900€73k€84k▲
Operating profit (loss)9901€57k€68k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€804€661▼
Recurring financial charges65€804€661▼
Profit (loss) for the period before taxes9903€58k€71k▲
Income taxes67/77€19k€20k▲
Profit (loss) for the period9904€38k€51k▲
Profit (loss) for the period to be appropriated9905€38k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€51k▲
Transfer to equity691/2€38k€51k▲
To other reserves6921€38k€51k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €209k ▲51.4%
3 profitable years in a row build equity to €209k.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial
Highest result since 2018net €83k ▲712%
Operating result €83k, net result €83k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.03
Current ratio from 0.57 to 2.03; short-term debt falls from €95k to €47k.
31-12
Financial
Equity above €100kEq €138k ▲149%
2 profitable years in a row build equity to €138k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Diepenbeek · 1 establishment unit since 2014
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.
Havenlaan 713590 DiepenbeekGround area
881 m²
Building footprint
197 m²
Volume, LiDAR
865 m³
Parcel 71011A0023/00P025, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VALOR CAFÉ
since 20142.233.175.867
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011A0023/00P025 | Flanders | 881 m² | 1 · 197 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
CONTIMEX
BE 0441.909.333
Diest · Eq €330k
CLEVER CONSTRUCT
BE 0478.407.364
Sint-Truiden · Eq €331k
VERHULST
BE 0427.127.325
Sint-Pieters-Woluwe · Eq €332k
OSKO
BE 0772.340.823
Kruisem · Eq €332k
GRIMOD TRAITEURS
BE 0417.234.513
Nivelles · Eq €328k
Of 7,477 companies in sector 56210 we hold annual accounts for 2,427. 1,495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2014
Fiscal year end31-12
Abbreviation NL
V.C.
Activities, NACEBEL
56210Event catering
56301Cafés and bars
10830Manufacture of food products
46349Wholesale of beverages, general range
46370Wholesale trade
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.