Summary
VALORIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €363,607 and a net result of €312,536. Its solvency ranks better than 73% of 1426 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2024
22 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 22 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€363,607
Net result
€312,536
Total assets
€537,568
Solvency
67.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €534,893
Fixed assets
€31,164
Current assets
€503,729
Equity and liabilities €537,568
Equity
€363,607
Debt
€173,962
Debt finances 32.4% of the balance-sheet total.
Key figures and ratios
ROE
86.0%
ROA
58.1%
Debt ≤ 1 year
€173,937
Income taxes
€106,055
Staff costs
€213,847
Annual accounts
| Line | 2024 |
|---|---|
| Remuneration, social security and pensions62 | €213,847 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,621 |
| Other operating charges640/8 | €3,022 |
| Gross operating margin9900 | €649,176 |
| Operating profit (loss)9901 | €418,686 |
| Financial charges65/66B | €95 |
| Recurring financial charges65 | €95 |
| Profit (loss) for the period before taxes9903 | €418,591 |
| Income taxes67/77 | €106,055 |
| Profit (loss) for the period9904 | €312,536 |
| Profit (loss) for the period to be appropriated9905 | €312,536 |
| Line | 2024 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €537,568 | |
| Formation expenses20 | €2,675 | |
| Fixed assets21/28 | €31,164 | |
| Intangible fixed assets21 | €19,575 | |
| Tangible fixed assets22/27 | €11,389 | |
| Plant, machinery and equipment23 | €3,044 | |
| Furniture and vehicles24 | €8,345 | |
| Financial fixed assets28 | €200 | |
| Current assets29/58 | €503,729 | |
| Amounts receivable within one year40/41 | €253,589 | |
| Trade receivables40 | €39,386 | |
| Other amounts receivable41 | €214,203 | |
| Cash at bank and in hand54/58 | €51,350 | |
| Deferred charges and accrued income490/1 | €198,790 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €537,568 | |
| Equity10/15 | €363,607 | |
| Contributions10/11 | €10,000 | |
| Profit (loss) carried forward14 | €353,607 | |
| Amounts payable17/49 | €173,962 | |
| Amounts payable within one year42/48 | €173,937 | |
| Trade debts44 | €22,910 | |
| Suppliers440/4 | €22,910 | |
| Taxes, remuneration and social security45 | €150,898 | |
| Taxes450/3 | €106,055 | |
| Remuneration and social security454/9 | €44,842 | |
| Other amounts payable47/48 | €129 | |
| Accrued charges and deferred income492/3 | €25 | |
| Line | 2024 |
|---|---|
| Profit (loss) for the period9904 | €312,536 |
| + Depreciation and write-downs630 | €13,621 |
| Operating cash flow (approximation) | €326,157 |
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
2026
16-09
State Gazette act
General meeting · Share issueShareholding · Merger · Auditor report37 facts ▸
State Gazette act
General meeting · Share issue
Shareholding · Merger · Auditor report37 facts ▸
- General meeting, 31-07-2026
- Share issue, 1 par 33, fractionnement
- Shareholding, 31-07-2026, 6534
- Shareholding, 31-07-2026, 6732
- Shareholding, 31-07-2026, 6534
- Merger, scission par apport, article 12:75 du Code des Sociétés et des Associations
- Auditor report, 24-07-2026
- Transfer of a branch of activity or universality, la branche d'activité d'assurance de la Société à Responsabilité Limitée dénommée BC FINANCE
- Capital increase, €43.670,16
- Financial instrument, 4971, sans mention de valeur nominale
- Other statement, correspond à la partie de la valeur nette comptable des éléments de l'actif et du passif, représentant l'activité des assurances transférée à la SRL VALORIA
- Other statement, retard de transmission du rapport, les pièces et informations requises ne nous ont pas été remises au moins un mois avant l'assemblée générale extraordinaire, n…
- +25 further facts in this act
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
State Gazette actNBB filing
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Rumes · 3 establishment units since 2024
Ground area
1,608 m²
Building footprint
280 m²
Volume, LiDAR
2,891 m³
3 parcels, Wallonia · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
VALORIA
since 20242.360.546.270
VALORIA
since 20242.364.719.448
VALORIA
since 20252.368.175.717
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57072C0004/00V002 | Wallonia | 631 m² | 1 · 91 m² | 11.9 m · 3 fl. |
| 57003C0282/00H000 | Wallonia | 587 m² | 1 · 104 m² | 16.3 m · 5 fl. |
| 57005B0376/00F000 | Wallonia | 390 m² | 1 · 86 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other statement
Dispense de lecture, L'assemblée dispense le Président de donner lecture du projet de scission et des comptes annuels des 3 derniers exercices
Dispense de rapports, renonciation à l'application des dispositions légales prévoyant la rédaction et la communication des rapports de scission
Dispense de situation comptable intermédiaire, usage de la dispense de communications éventuelles du patrimoine actif et passif intervenues entre la date de l'é…
Dispense de lecture des rapports d'apport en nature, L'assemblée dispense Monsieur le Président de donner lecture du rapport de l'organe d'administration et du…
Reprise comptable des éléments transférés, les éléments transférés seront repris dans la comptabilité de la présente société bénéficiaire à la valeur nette comp…
Répartition des actions nouvelles, La répartition des actions nouvelles de la présente société bénéficiaire entre les actionnaires de la société scindée est pro…
Description générale et répartition comptable, L'assemblée requiert le notaire soussigné d'acter que les éléments relatifs au patrimoine transféré à la présente…
11 more provisions on this in the deed
Structure & network
Owners and holdings
3 ownersOwners 3
-
34%
-
33%
-
33%
Holdings 0
The accounts to 31-12-2024 list no holdings, and no other source names one.
According to the 2024 annual accounts of VALORIA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionDemerger with:BC FINANCE
Capital and shareholders
Shareholders according to the acts
After 2 capital increases
act of 16-09-2026 ↗
- Benoit JACQUART Management 2,484 shares
- Sebastien LEROY Management 2,484 shares
- Stekelorum Management 2,484 shares
- Crédits Assurances Placements Conseils 2,490 shares
Stated in the act
act of 16-09-2026 ↗
- Benoit JACQUART Management 6,534 shares · 33%
- Sebastien LEROY Management 6,732 shares · 34%
- Stekelorum Management 6,534 shares · 33%
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 16-09-2026 Capital increase of 66,887.16 EUR · 4,971 new shares · in kind
- 16-09-2026 Capital increase of 43,670.16 EUR · to 53,670.16 EUR · 4,971 new shares · in kind
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,044 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
Founded04-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1010001909
Registered
16-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.