Valor'Immo

Active

Private limited companyfounded 201214 yrs activeFaubourg-d'Arival 4, 6760 Virton, BelgiumKBO/BCE: BE 0842.954.447

Valor'Immo has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

45 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability62▲+14

Solvency29▼-6

Growth51▲+14

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7391 sector peers (2025).

NBB · sector comparison

Position among 7391 sector peers

Solvency

better than 14%

← weakest strongest →

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €6k

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

13 d late

2024

on the day

2023

15 d early

2022

on the day

2021

13 d early

2020

39 d late

2019

96 d late

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€221k▲ 8.2%

2021 · €204k

2021: €204k

2021 → 2023

EBIT margin

3.8%▲ 1.7pp

2021 · 2.1%

2021: 2.1%

2021 → 2023

Net result

€2k▲ 9.3%

2024 · €2k

2018: €8k 2019: €857 2020: €-10k 2021: €947 2022: €1k 2023: €4k 2024: €2k

2018 → 2025

Working capital

€4k▲ 6.4%

2024 · €4k

2018: €834 2019: €-6k 2020: €-10k 2021: €-6k 2022: €-5k 2023: €2k 2024: €4k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€204k-€221k

Equity€-3k-€-2k▲ 41.1%€2k€4k▲ 74.1%€6k▲ 46.5%

Operating result€4k-€5k▲ 8.4%€8k▲ 78.2%€5k▼ 40.4%€5k▼ 4.7%

Net result€947-€1k▲ 51.6%€4k▲ 200%€2k▼ 61.3%€2k▲ 9.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 5% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €138k

98.9%

Fixed assets €2k

Current assets €136k

Equity and liabilities €138k

95.9%

Equity €6k▲ 46.5%

Debt €132k▲ 266%

The debt ratio rises from 90.2% to 95.9%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€5k

Cash flow

€2k

Solvency

4.1%▼

2024 · 9.8%

Current ratio

1.03▼

2024 · 1.11

Quick ratio

0.19▼

2024 · 0.36

Debt / equity

23.10▲

2024 · 9.25

ROE

31.7%▼

2024 · 42.6%

ROA

1.3%▼

2024 · 4.2%

Interest coverage

4.98

Debt

€132k▲

2024 · €36k

Debt ≤ 1 year

€132k▲

2024 · €36k

Income taxes

€2k▼

2024 · €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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€40k€138k▲

Fixed assets21/28-€2k

Tangible fixed assets22/27-€2k

Plant, machinery and equipment23-€2k

Current assets29/58€40k€136k▲

Stocks and contracts in progress3€27k€111k▲

Stocks30/36€27k€111k▲

Amounts receivable within one year40/41€11k€22k▲

Trade receivables40€5k€21k▲

Other amounts receivable41€6k€2k▼

Cash at bank and in hand54/58€178€36▼

Deferred charges and accrued income490/1€2k€3k▲

Equity and liabilities

Total equity and liabilities10/49€40k€138k▲

Equity10/15€4k€6k▲

Contributions10/11€12k€12k=

Profit (loss) carried forward14€-8k€-6k▲

Amounts payable17/49€36k€132k▲

Amounts payable within one year42/48€36k€132k▲

Financial debts43-€3k

Credit institutions430/8-€3k

Trade debts44€15k€12k▼

Suppliers440/4€15k€12k▼

Taxes, remuneration and social security45€7k€5k▼

Taxes450/3€7k€5k▼

Other amounts payable47/48€14k€112k▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€214k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€73

Other operating charges640/8€1k€1k▼

Gross operating margin9900€6k€6k▼

Operating profit (loss)9901€5k€5k▼

Financial income75/76B€3€91▲

Recurring financial income75€3€91▲

Financial charges65/66B€1k€968▼

Recurring financial charges65€1k€968▼

Profit (loss) for the period before taxes9903€4k€4k▼

Income taxes67/77€2k€2k▼

Profit (loss) for the period9904€2k€2k▲

Profit (loss) for the period to be appropriated9905€2k€2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-8k€-6k▲

Profit (loss) brought forward from the previous period14P€-10k€-8k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

13-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 13 days late

2025

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

16-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

18-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €947

Net result €947 after one loss-making year.

08-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 39 days late

2020

31-12

Financial Weakest financial yearnet €-10k ▼1252%

Net result drops to €-10k, the lowest in the series; recovery starts the following year.

04-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 96 days late

2019

20-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

28-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

28-03

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 240 days late

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, Virton · 1 establishment unit since 2012

establishment The establishment unit on the map

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.

Faubourg-d'Arival 46760 Virton

Ground area

101 m²

Building footprint

97 m²

Volume, LiDAR

891 m³

Parcel 85045B0675/00H000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Faubourg-d'Arival 4BIS, 6760 Virton

Manufacture of other builders' carpentry and joinery

since 20122.206.322.309

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
85045B0675/00H000	Wallonia	101 m²	1 · 97 m²	11.7 m · 3 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

B.A.I.N.

BE 0465.716.794

Holsbeek · Eq €6k

JEWC - Construction et rénovation

BE 1004.403.128

Sint-Pieters-Leeuw · Eq €6k

Les Etablissements FADO

Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 6,995 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-01-2012

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43230Insulation installation

43291Specialised construction activities

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.