VALOV
ActiveSummary
The computed 12-month bankruptcy probability of VALOV is 1.9% (moderate). The 2025 annual accounts show equity of €17k and a net result of €2k. Its solvency ranks better than 42% of 18400 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability35▼-7
Solvency50▲+17
Growth52
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.3 against 1.09 in 2024; short-term debt: 75.5% and cash: 10.8% of total assets), and 75.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 9.9%
2024 · €16k
2024: €16k
2025: €17k▲ +9.9% vs 2024
2024 → 2025
Total assets
€70k▼ 62.0%
2024 · €183k
2024: €183k
2025: €70k▼ -62.0% vs 2024
2024 → 2025
Net result
€2k▼ 56.4%
2024 · €4k
2024: €4k
2025: €2k▼ -56.4% vs 2024
2024 → 2025
Working capital
€16k▲ 0.9%
2024 · €16k
2024: €16k
2025: €16k▲ +0.9% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€16k-€17k▲ 9.9%
2024: €16k
2025: €17k▲ +9.9% vs 2024
Operating result€9k-€5k▼ 42.1%
2024: €9k
2025: €5k▼ -42.1% vs 2024
Net result€4k-€2k▼ 56.4%
2024: €4k
2025: €2k▼ -56.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€1k
Current assets
€68k
Equity and liabilities €70k
Equity
€17k ▲ 9.9%
Debt
€53k ▼ 68.7%
Debt's share of the balance-sheet total falls from 91.5% to 75.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k
Cash flow
€2k
Current ratio
1.30▲
2024 · 1.09
Quick ratio
0.17▲
2024 · 0.06
Debt to equity
3.08▼
2024 · 10.80
ROE
9.0%▼
2024 · 22.8%
ROA
2.2%▲
2024 · 1.9%
Interest coverage
1.67
Debt ≤ 1 year
€53k▼
2024 · €168k
Income taxes
€487▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€183k€70k▼
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Plant, machinery and equipment23-€900
Furniture and vehicles24-€500
Current assets29/58€183k€68k▼
Stocks and contracts in progress3€173k€59k▼
Stocks30/36€173k€59k▼
Amounts receivable within one year40/41-€462
Trade receivables40-€462
Cash at bank and in hand54/58€10k€8k▼
Deferred charges and accrued income490/1€812€828▲
Equity and liabilities
Total equity and liabilities10/49€183k€70k▼
Equity10/15€16k€17k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€168k€53k▼
Amounts payable within one year42/48€168k€53k▼
Trade debts44€159k€44k▼
Suppliers440/4€159k€44k▼
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€7k€7k▼
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€128
Other operating charges640/8€515€1k▲
Gross operating margin9900€10k€7k▼
Operating profit (loss)9901€9k€5k▼
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€5k€2k▼
Income taxes67/77€2k€487▼
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€4k€5k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €128 | - |
| Other operating charges640/8 | €515 | €1k | ▲ 185% |
| Gross operating margin9900 | €10k | €7k | ▼ 28.6% |
| Operating profit (loss)9901 | €9k | €5k | ▼ 42.1% |
| Financial income75/76B | €58 | €0 | ▼ 100.0% |
| Recurring financial income75 | €58 | €0 | ▼ 100.0% |
| Financial charges65/66B | €4k | €3k | ▼ 16.7% |
| Recurring financial charges65 | €4k | €3k | ▼ 16.7% |
| Profit (loss) for the period before taxes9903 | €5k | €2k | ▼ 61.5% |
| Income taxes67/77 | €2k | €487 | ▼ 71.9% |
| Profit (loss) for the period9904 | €4k | €2k | ▼ 56.4% |
| Profit (loss) for the period to be appropriated9905 | €4k | €2k | ▼ 56.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €183k | €70k | ▼ 62.0% |
| Fixed assets21/28 | - | €1k | - |
| Tangible fixed assets22/27 | - | €1k | - |
| Plant, machinery and equipment23 | - | €900 | - |
| Furniture and vehicles24 | - | €500 | - |
| Current assets29/58 | €183k | €68k | ▼ 62.8% |
| Stocks and contracts in progress3 | €173k | €59k | ▼ 65.5% |
| Stocks30/36 | €173k | €59k | ▼ 65.5% |
| Amounts receivable within one year40/41 | - | €462 | - |
| Trade receivables40 | - | €462 | - |
| Cash at bank and in hand54/58 | €10k | €8k | ▼ 25.5% |
| Deferred charges and accrued income490/1 | €812 | €828 | ▲ 2.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €183k | €70k | ▼ 62.0% |
| Equity10/15 | €16k | €17k | ▲ 9.9% |
| Contributions10/11 | €12k | €12k | = |
| Profit (loss) carried forward14 | €4k | €5k | ▲ 43.6% |
| Amounts payable17/49 | €168k | €53k | ▼ 68.7% |
| Amounts payable within one year42/48 | €168k | €53k | ▼ 68.7% |
| Trade debts44 | €159k | €44k | ▼ 72.2% |
| Suppliers440/4 | €159k | €44k | ▼ 72.2% |
| Taxes, remuneration and social security45 | €7k | €7k | ▼ 0.8% |
| Taxes450/3 | €7k | €7k | ▼ 0.8% |
| Other amounts payable47/48 | €2k | €2k | ▼ 13.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €2k | ▼ 56.4% |
| + Depreciation and write-downs630 | - | €128 | - |
| Operating cash flow (approximation) | €4k | €2k | ▼ 52.8% |
| Change in cash | - | €-3k | - |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
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, Antwerpen · 1 establishment unit since 2023
Ground area
123 m²
Building footprint
123 m²
Volume, LiDAR
1,984 m³
Parcel 11808H1169/00B006, Flanders · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VALOV
since 20232.352.876.540
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1169/00B006 | Flanders | 123 m² | 1 · 123 m² | 20.2 m · 6 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.
Similar companies · same sector, comparable size
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BE 0550.990.781
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Antwerpen · Eq €17,412
Of 2,016 companies in sector 47770 we hold annual accounts for 897. 465 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
Founded12-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47770Retail sale of watches and jewellery
Scores and ratios are computed by Checked and are not a credit decision.