Checked.be
Active
BE 0800.399.458Private limited company
Valora
Kortrijksesteenweg 48 ·9830 Sint-Martens-Latem, Belgium· 3 yrs active
Sector: Ontwikkeling van residentiële bouwprojecten
(68121)
Conclusion
The computed 12-month bankruptcy probability of Valora is 1.0% (low). The 2024 annual accounts show equity of €694k and a net result of €-279k. Its solvency ranks better than 65% of 1697 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €694k |
| Net result | €-279k |
| Better than sector | 65% |
| Active | 3 yrs |
Snowflake analysis
41
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
30
Profitability
0
Solvency
56
Growth
-
Stability
79
Bankruptcy probability (12 mo)
1.0%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
30
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 14-07-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.9% | 14.3% | |
| Net result | €-279k | €0 | |
| Equity | €694k | €108k | |
| Gross operating margin | €-233k | €52k | |
| Total assets | €2.32M | €1.50M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €-234k |
| Net profit | €-279k |
| Cash flow | €-278k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €2.32M |
| Equity | €694k |
| Debt | €1.63M |
| of which ≤ 1y | €1.63M |
| of which > 1y | - |
| Working capital | €692k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.42 |
| Quick ratio | 0.00 |
| Working capital ratio | 29.8% |
| Solvency | 29.9% |
| Debt / equity | 2.35 |
| Long-term debt ratio | - |
| Interest coverage | -5.28 |
| Gross margin | - |
| Net margin | - |
| ROA | -12.0% |
| ROE | -40.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.32M |
| Formation expenses | 20 | €2k |
| Current assets | 29/58 | €2.32M |
| Stocks & contracts in progress | 3 | €2.32M |
| Cash & bank | 54/58 | €311 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.32M |
| Equity | 10/15 | €694k |
| Contributions / capital | 10/11 | €973k |
| Accumulated profits (losses) | 14 | €-279k |
| Amounts payable | 17/49 | €1.63M |
| Amounts payable within one year | 42/48 | €1.63M |
| Trade debts payable within one year | 44 | €8k |
| Income statement | ||
| Gross operating margin | 9900 | €-233k |
| Operating result | 9901 | €-235k |
| Financial charges | 65 | €44k |
| Result before taxes | 9903 | €-279k |
| Net result for the period | 9904 | €-279k |
| Result to be appropriated | 9905 | €-279k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Ontwikkeling van residentiële bouwprojecten(68121) |
| Legal form | Private limited company(610) |
| Incorporation | 04-04-2023 |
| Status | Active |
| Postal code | 9830 |
Establishment units
BV Valora
since 20232.343.954.916
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
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. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
14-07-2025
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten41102Holdings64200Activiteiten van holdings64210Ontwikkeling van niet-residentiële bouwprojecten68122
Primary activity highlighted.
Names & trade names
| Legal nameNL | Valora |
Registered office
Kortrijksesteenweg 48 bus 10
9830 Sint-Martens-Latem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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