Valora
ActiveSummary
The annual accounts of Valora for fiscal year 2025 show a net loss of 147% of total assets and of 75% of the equity at the start of that year. The 2025 annual accounts show equity of €171,344 and a net result of -€522,773. Its solvency ranks better than 64% of 9268 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-4
Solvency73▲+18
Growth32
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.92 against 1.42 in 2024; short-term debt: 51.9% and cash: 0% of total assets), but 51.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
48.1%
Return on assets
-146.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year -€522,773
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 21-07-2026, 10 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
10 d early
2024
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€171,344▼ 75.3%
2024 · €694,117
Total assets
€356,254▼ 84.7%
2024 · €2.3m
Net result
-€522,773▼ 87.5%
2024 · -€278,883
Working capital
€170,073▼ 75.4%
2024 · €692,280
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result-€234,630--€458,351▼ 95.4%
Net result-€278,883--€522,773▼ 87.5%
Equity€694,117-€171,344▼ 75.3%
Total assets€2.3m-€356,254▼ 84.7%
Debt€1.6m-€184,910▼ 88.7%
Working capital€692,280-€170,073▼ 75.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €458,351 in 2025 against €234,630 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €356,254
Equity
€171,344 ▼ 75.3%
Debt
€184,910 ▼ 88.7%
Debt's share of the balance-sheet total falls from 70.1% to 51.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€457,785▼
2024 · -€233,637
Cash flow
-€522,207▼
2024 · -€277,890
Current ratio
1.92▲
2024 · 1.42
Quick ratio
0.00▲
2024 · 0.00
Debt to equity
1.08▼
2024 · 2.35
ROE
-305.1%▼
2024 · -40.2%
ROA
-146.7%▼
2024 · -12.0%
Interest coverage
-7.11▼
2024 · -5.28
Debt ≤ 1 year
€184,910▼
2024 · €1.6m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €993 | €566 | ▼ 43.0% |
| Other operating charges640/8 | €906 | €678 | ▼ 25.2% |
| Gross operating margin9900 | -€232,731 | -€457,107 | ▼ 96.4% |
| Operating profit (loss)9901 | -€234,630 | -€458,351 | ▼ 95.4% |
| Financial charges65/66B | €44,253 | €64,422 | ▲ 45.6% |
| Recurring financial charges65 | €44,253 | €64,422 | ▲ 45.6% |
| Profit (loss) for the period before taxes9903 | -€278,883 | -€522,773 | ▼ 87.5% |
| Profit (loss) for the period9904 | -€278,883 | -€522,773 | ▼ 87.5% |
| Profit (loss) for the period to be appropriated9905 | -€278,883 | -€522,773 | ▼ 87.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €2.3m | €356,254 | ▼ 84.7% |
| Formation expenses20 | €1,837 | €1,271 | ▼ 30.8% |
| Current assets29/58 | €2.3m | €354,983 | ▼ 84.7% |
| Stocks and contracts in progress3 | €2.3m | €354,685 | ▼ 84.7% |
| Stocks30/36 | €2.3m | €354,685 | ▼ 84.7% |
| Cash at bank and in hand54/58 | €311 | €136 | ▼ 56.3% |
| Deferred charges and accrued income490/1 | €72 | €162 | ▲ 126% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €2.3m | €356,254 | ▼ 84.7% |
| Equity10/15 | €694,117 | €171,344 | ▼ 75.3% |
| Contributions10/11 | €973,000 | €973,000 | = |
| Profit (loss) carried forward14 | -€278,883 | -€801,656 | ▼ 187% |
| Amounts payable17/49 | €1.6m | €184,910 | ▼ 88.7% |
| Amounts payable within one year42/48 | €1.6m | €184,910 | ▼ 88.7% |
| Current portion of amounts payable after more than one year42 | €910,771 | - | - |
| Trade debts44 | €8,208 | €330 | ▼ 96.0% |
| Suppliers440/4 | €8,208 | €330 | ▼ 96.0% |
| Taxes, remuneration and social security45 | €2,564 | €579 | ▼ 77.4% |
| Taxes450/3 | €2,564 | €579 | ▼ 77.4% |
| Other amounts payable47/48 | €708,000 | €184,000 | ▼ 74.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€278,883 | -€522,773 | ▼ 87.5% |
| + Depreciation and write-downs630 | €993 | €566 | ▼ 43.0% |
| Operating cash flow (approximation) | -€277,890 | -€522,207 | ▼ 87.9% |
| Change in cash | - | -€175 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Martens-Latem · 1 establishment unit since 2023
Ground area
7,043 m²
Building footprint
1,509 m²
Volume, LiDAR
3,533 m³
Parcel 44064B0246/00F000, Flanders · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
92
companies at this address
See who is registered here
1 establishment unit
BV Valora
since 20232.343.954.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0246/00F000 | Flanders | 7,043 m² | 1 · 1,509 m² | 13.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,699 companies in sector 68121 we hold annual accounts for 7,384. 5,340 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-04-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.