VALOREH
ActiveVALOREH has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €-2k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+3
Solvency65▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.4 against 0.63 in 2024; short-term debt: 59.6% and cash: 0% of total assets), and 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
40.4%
Return on assets
-5%
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
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
1819202122232425
2018 to 2025 · latest year €-2k
neutral · A punctual record breaks
This company filed 9 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 filingsDeviation from the deadline
2025
13 d late
2024
35 d early
2023
8 d early
2022
6 d early
2021
2 d early
2020
29 d early
2019
2 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 11.0%
2024 · €21k
2018: €16k
2019: €17k
2020: €6k
2021: €-4k
2022: €5k
2023: €24k
2024: €21k
2018 → 2025
Total assets
€45k▼ 19.1%
2024 · €56k
2018: €91k
2019: €80k
2020: €55k
2021: €37k
2022: €32k
2023: €98k
2024: €56k
2018 → 2025
Net result
€-2k▲ 40.7%
2024 · €-4k
2018: €8k
2019: €603
2020: €-10k
2021: €-10k
2022: €9k
2023: €19k
2024: €-4k
2018 → 2025
Working capital
€-16k▼ 38.2%
2024 · €-12k
2018: €5k
2019: €-2k
2020: €-11k
2021: €-14k
2022: €-2k
2023: €-5k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€5k€24k▲ 397%€21k▼ 15.6%€18k▼ 11.0%
Operating result€-9k-€10k€26k▲ 152%€-4k€-2k▲ 54.4%
Net result€-10k-€9k€19k▲ 114%€-4k€-2k▲ 40.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€34k▼ 5.7%
Current assets
€11k▼ 44.1%
Equity and liabilities €45k
Equity
€18k▼ 11.0%
Debt
€27k▼ 23.9%
The debt ratio falls from 63.3% to 59.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €9k
Cash flow
€9k▲
2024 · €9k
Solvency
40.4%▲
2024 · 36.7%
Current ratio
0.40▼
2024 · 0.63
Quick ratio
0.25▼
2024 · 0.63
Debt / equity
1.47▼
2024 · 1.72
ROE
-12.3%▲
2024 · -18.5%
ROA
-5.0%▲
2024 · -6.8%
Interest coverage
17.09▲
2024 · 15.93
Debt
€27k▼
2024 · €35k
Debt ≤ 1 year
€27k▼
2024 · €31k
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€56k€45k▼
Fixed assets21/28€37k€34k▼
Tangible fixed assets22/27€37k€34k▼
Plant, machinery and equipment23€13k€12k▼
Furniture and vehicles24€23k€23k▼
Current assets29/58€20k€11k▼
Stocks and contracts in progress3€0€4k▲
Stocks30/36€0€3k▲
Contracts in progress37-€2k
Amounts receivable within one year40/41€16k€6k▼
Trade receivables40€15k€4k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€4k€0▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€56k€45k▼
Equity10/15€21k€18k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€14k€12k▼
Amounts payable17/49€35k€27k▼
Amounts payable within one year42/48€31k€27k▼
Financial debts43-€142
Credit institutions430/8-€142
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€3k€437▼
Taxes450/3€3k€437▼
Other amounts payable47/48€25k€25k▲
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€290€0▼
Gross operating margin9900€11k€11k▲
Operating profit (loss)9901€-4k€-2k▲
Financial income75/76B€507€3▼
Recurring financial income75€507€3▼
Financial charges65/66B€544€542▼
Recurring financial charges65€544€542▼
Profit (loss) for the period before taxes9903€-4k€-2k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-4k€-2k▲
Profit (loss) for the period to be appropriated9905€-4k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€12k▼
Profit (loss) brought forward from the previous period14P€18k€14k▼
The notes to these accounts (8 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €19k ▲114%
Operating result €26k, net result €19k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-10k ▼1835%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Malle · 1 establishment unit since 2015
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.
Hallebaan 1562390 MalleGround area
1,802 m²
Building footprint
269 m²
Volume, LiDAR
1,054 m³
Parcel 11049B0542/00W000, Flanders · tallest building 15.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VALOREH
since 20152.241.161.442
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0542/00W000 | Flanders | 1,802 m² | 1 · 269 m² | 15.5 m · 1 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
WESTYN
BE 0817.675.059
Sint-Lambrechts-Woluwe · Eq €18k
W.A.C.
BE 0896.098.074
Londerzeel · Eq €18k
DJW bouw
BE 0795.985.463
Dilsen-Stokkem · Eq €18k
OZDO CONSTRUCTION & RENOVATION
BE 0741.388.816
Sambreville · Eq €18k
GADECOR
BE 1005.739.550
Namur · Eq €18k
Of 7,294 companies in sector 43350 we hold annual accounts for 2,363. 1,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2015
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.