Skip to content

VALVERAL

Active
Private limited companyfounded 200521 yrs activeTerbermenweg 46, 3540 Herk-de-Stad, BelgiumKBO/BCE: BE 0871.179.368
Summary

The computed 12-month bankruptcy probability of VALVERAL is 5.4% (elevated). The 2024 annual accounts show equity of €95,894 and a net result of -€24,343. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 9523 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
VALVERALActiveChecked score 37/100
Risk analysis ReportCompare

Overview

Activity
Office administrative and support services
NACE 82100NACE 74855NACE 82110
#9 oldest company in Herk-de-Stad, Administrative and support services sector1 site
Size
€139,302total assets 2024
Equity
€95,894
Loss
-€24,343
Turnover not published (abridged schema)
Financial health
37 Weak Checked score 2024
Bankruptcy chance 12 m
5.4%
Structure
Accounts 64 d overdue0 of 3 deeds read
Why 37- 1 change of registered office in 24 months- Liquidity: current ratio 3.17- 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late- Figures for FY 2024 (filed 02-10-2025)Show the evidence

Checked score

Score 2024
37 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 41% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 94-6
equity 68.8% of total assets
Liquidity 74+14
short-term debt 31.2%
Profitability 0-22
return on assets -17.5%
Bankruptcy probability, 12 months
5.4% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,482 companies)
Last 24 months 11-2024: 4.8% 12-2024: 4.8%● 0.0% vs 11-2024 01-2025: 4.8%● 0.0% vs 12-2024 02-2025: 4.8%● 0.0% vs 01-2025 03-2025: 4.8%● 0.0% vs 02-2025 04-2025: 4.8%● 0.0% vs 03-2025 05-2025: 1.0%▼ -80.0% vs 04-2025 06-2025: 0.9%▼ -5.3% vs 05-2025lowest value 07-2025: 1.0%▲ +11.5% vs 06-2025 08-2025: 1.2%▲ +19.2% vs 07-2025 09-2025: 1.3%▲ +4.7% vs 08-2025 10-2025: 1.5%▲ +20.5% vs 09-2025 11-2025: 2.4%▲ +53.8% vs 10-2025 12-2025: 2.4%● 0.0% vs 11-2025 01-2026: 4.3%▲ +82.3% vs 12-2025 02-2026: 4.3%● 0.0% vs 01-2026 03-2026: 4.3%● 0.0% vs 02-2026 04-2026: 4.3%▼ -0.4% vs 03-2026 05-2026: 3.7%▼ -12.9% vs 04-2026 06-2026: 3.7%▼ -2.5% vs 05-2026 07-2026: 3.6%▼ -1.3% vs 06-2026 08-2026: 4.0%▲ +9.5% vs 07-2026 09-2026: 4.3%▲ +8.5% vs 08-2026 10-2026: 5.4%▲ +25.2% vs 09-2026highest value
  • 1 change of registered office in 24 months raises the probability
  • Liquidity: current ratio 3.17 raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late raises the probability
  • Figures for FY 2024 (filed 02-10-2025) raises the probability
Credit up to €3,500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.17 against 4.41 in 2023; short-term debt: 31.2% of total assets), and 31.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 69%, liquidity 68%, profitability 5%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Liquidity: current ratio 3.17
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Figures for FY 2024 (filed 02-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
260 d late
2022
626 d late
2021
44 d late
2020
193 d late
2019
119 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 217 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Annual accounts filedfiscal year 2022 · micro…

Key points

  • Caution: Among the weakest 8% on net resultsector median €13,921 · 9,522 companies -€24,343 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Total assets 20246 fiscal years filed €139,302 View

By topic

Financials

Fiscal year
2024
Total assets
€139,302
Loss
-€24,343
Solvency
68.8%
Total assets▼ 9.7%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 29-09-2025Annual accounts filed
  2. 17-04-2025Annual accounts filed
  3. 17-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Office administrative and support servicesNACE 82100
Founded
07-01-2005
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure