VALPSY
ActiveThe computed 12-month bankruptcy probability of VALPSY is 2.5% (moderate). The 2025 annual accounts show equity of €243k and a net result of €57k. Equity is growing by ~35.8% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 8.19 against 1.99 in 2024), and 4.7% 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 · 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95.3%
Return on assets
22.5%
Age of the figures
8 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
50 d early
2024
41 d early
2023
43 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€243k▲ 30.9%
2024 · €186k
2023: €110k
2024: €186k
2023 → 2025
Total assets
€255k▲ 21.1%
2024 · €211k
2023: €180k
2024: €211k
2023 → 2025
Net result
€57k▼ 23.9%
2024 · €75k
2023: €105k
2024: €75k
2023 → 2025
Working capital
€86k▲ 249%
2024 · €25k
2023: €17k
2024: €25k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€110k-€186k▲ 68.6%€243k▲ 30.9%
Operating result€141k-€106k▼ 25.0%€121k▲ 14.3%
Net result€105k-€75k▼ 28.2%€57k▼ 23.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets
€157k▼ 2.6%
Current assets
€98k▲ 98.2%
Equity and liabilities €255k
Equity
€243k▲ 30.9%
Debt
€12k▼ 51.8%
The debt ratio falls from 11.8% to 4.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€137k▲
2024 · €115k
Cash flow
€74k▼
2024 · €85k
Solvency
95.3%▲
2024 · 88.2%
Current ratio
8.19▲
2024 · 1.99
Quick ratio
8.19▲
2024 · 1.99
Debt / equity
0.05▼
2024 · 0.13
ROE
23.6%▼
2024 · 40.7%
ROA
22.5%▼
2024 · 35.9%
Interest coverage
3.37▼
2024 · 41.80
Debt
€12k▼
2024 · €25k
Debt ≤ 1 year
€12k▼
2024 · €25k
Income taxes
€23k▼
2024 · €28k
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€211k€255k▲
Fixed assets21/28€161k€157k▼
Tangible fixed assets22/27€161k€157k▼
Land and buildings22€156k€151k▼
Furniture and vehicles24€5k€5k▲
Current assets29/58€50k€98k▲
Amounts receivable within one year40/41€10k€51k▲
Trade receivables40€10k€14k▲
Other amounts receivable41-€38k
Cash at bank and in hand54/58€40k€47k▲
Deferred charges and accrued income490/1€110€197▲
Equity and liabilities
Total equity and liabilities10/49€211k€255k▲
Equity10/15€186k€243k▲
Contributions10/11€5k€5k=
Reserves13€126k€183k▲
Distributable reserves133€126k€183k▲
Profit (loss) carried forward14€55k€55k=
Amounts payable17/49€25k€12k▼
Amounts payable within one year42/48€25k€12k▼
Trade debts44€15k€9k▼
Suppliers440/4€15k€9k▼
Taxes, remuneration and social security45€0€3k▲
Taxes450/3€0€3k▲
Other amounts payable47/48€10k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€16k▲
Other operating charges640/8€3k€814▼
Gross operating margin9900€118k€138k▲
Operating profit (loss)9901€106k€121k▲
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€3k€41k▲
Recurring financial charges65€3k€41k▲
Profit (loss) for the period before taxes9903€103k€80k▼
Income taxes67/77€28k€23k▼
Profit (loss) for the period9904€75k€57k▼
Profit (loss) for the period to be appropriated9905€75k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€113k▼
Profit (loss) brought forward from the previous period14P€55k€55k=
Transfer to equity691/2€75k€57k▼
To other reserves6921€75k€57k▼
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €57k ▼23.9%
Net result drops to €57k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 8.19
Current ratio from 1.99 to 8.19; short-term debt falls from €25k to €12k.
31-12
Financial
Equity above €200kEq €243k ▲30.9%
3 profitable years in a row build equity to €243k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €186k ▲68.6%
2 profitable years in a row build equity to €186k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2022
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.
Boulevard Sainctelette 237000 MonsGround area
183 m²
Building footprint
52 m²
Volume, LiDAR
627 m³
Parcel 53053D0025/00D085, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Valpsy
since 20222.336.633.790
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00D085 | Wallonia | 182 m² | 1 · 52 m² | 13.4 m · 4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.