Summary
VALVI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €199,344 and a net result of €175,146. Equity is growing by ~42.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 8102 sector peers (fiscal year 2025). The company has been active since 2013 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
7 d early
2023
on the day
2022
30 d late
2021
12 d early
2020
31 d late
2019
39 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 28 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€199,344▲ 2.6%
2024 · €194,198
Net result
€175,146▲ 30.6%
2024 · €134,066
Total assets
€392,884▲ 68.0%
2024 · €233,872
Solvency
50.7%▼ 32.3pp
2024 · 83.0%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,015▲ 935%€25,299▼ 21.0%€8,370▼ 66.9%€197,180▲ 2,256%€230,257▲ 16.8%
Net result€20,665within the sector's middle half€15,997within the sector's middle half▼ 22.6%€3,852within the sector's middle half▼ 75.9%€134,066above the sector's middle half▲ 3,380%€175,146above the sector's middle half▲ 30.6%
Equity€40,282within the sector's middle half▲ 105%€56,280within the sector's middle half▲ 39.7%€60,132within the sector's middle half▲ 6.8%€194,198within the sector's middle half▲ 223%€199,344within the sector's middle half▲ 2.6%
Total assets€66,480below the sector's middle half▲ 122%€80,976below the sector's middle half▲ 21.8%€85,780below the sector's middle half▲ 5.9%€233,872within the sector's middle half▲ 173%€392,884within the sector's middle half▲ 68.0%
Debt€26,197▲ 153%€24,696▼ 5.7%€25,648▲ 3.9%€39,674▲ 54.7%€193,540▲ 388%
Working capital€38,115within the sector's middle half▲ 118%€53,893within the sector's middle half▲ 41.4%€54,252within the sector's middle half▲ 0.7%€190,170above the sector's middle half▲ 251%€188,815above the sector's middle half▼ 0.7%
Solvency60.6%within the sector's middle half▼ 4.9pp69.5%within the sector's middle half▲ 8.9pp70.1%within the sector's middle half▲ 0.6pp83.0%above the sector's middle half▲ 12.9pp50.7%within the sector's middle half▼ 32.3pp
Current ratio2.47within the sector's middle half▼ 0.263.18within the sector's middle half▲ 0.723.13within the sector's middle half▼ 0.065.79above the sector's middle half▲ 2.671.98within the sector's middle half▼ 3.82
Return on assets (ROA)31.1%above the sector's middle half▲ 31.9pp19.8%within the sector's middle half▼ 11.3pp4.5%within the sector's middle half▼ 15.3pp57.3%above the sector's middle half▲ 52.8pp44.6%above the sector's middle half▼ 12.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €392,884
Fixed assets
€10,529 ▲ 161%
Current assets
€382,355 ▲ 66.4%
Equity and liabilities €392,884
Equity
€199,344 ▲ 2.6%
Debt
€193,540 ▲ 388%
Debt's share of the balance-sheet total rises from 17.0% to 49.3%. Equity and debt are higher.
Key figures and ratios
ROE
87.9%▲
2024 · 69.0%
Debt ≤ 1 year
€193,540▲
2024 · €39,674
Income taxes
€54,849▼
2024 · €58,589
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €4,959 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €1,269 | €1,975 | €2,122 | ▲ 7.4% |
| Other operating charges640/8 | €1,999 | €3,486 | €1,862 | €2,030 | €2,143 | ▲ 5.6% |
| Gross operating margin9900 | €34,014 | €28,785 | €11,501 | €201,185 | €234,522 | ▲ 16.6% |
| Operating profit (loss)9901 | €32,015 | €25,299 | €8,370 | €197,180 | €230,257 | ▲ 16.8% |
| Financial income75/76B | - | €381 | €477 | €768 | €1,100 | ▲ 43.3% |
| Recurring financial income75 | - | €381 | €477 | €768 | €1,100 | ▲ 43.3% |
| Financial charges65/66B | €583 | €514 | €1,804 | €5,292 | €1,361 | ▼ 74.3% |
| Recurring financial charges65 | €583 | €514 | €1,804 | €5,292 | €1,361 | ▼ 74.3% |
| Profit (loss) for the period before taxes9903 | €31,432 | €25,166 | €7,043 | €192,655 | €229,995 | ▲ 19.4% |
| Income taxes67/77 | €10,767 | €9,168 | €3,191 | €58,589 | €54,849 | ▼ 6.4% |
| Profit (loss) for the period9904 | €20,665 | €15,997 | €3,852 | €134,066 | €175,146 | ▲ 30.6% |
| Profit (loss) for the period to be appropriated9905 | €20,665 | €15,997 | €3,852 | €134,066 | €175,146 | ▲ 30.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €66,480 | €80,976 | €85,780 | €233,872 | €392,884 | ▲ 68.0% |
| Fixed assets21/28 | €2,400 | €2,400 | €6,002 | €4,027 | €10,529 | ▲ 161% |
| Tangible fixed assets22/27 | - | - | €3,602 | €1,627 | €8,129 | ▲ 400% |
| Furniture and vehicles24 | - | - | €3,602 | €1,627 | €749 | ▼ 54.0% |
| Other tangible fixed assets26 | - | - | - | - | €7,380 | - |
| Financial fixed assets28 | €2,400 | €2,400 | €2,400 | €2,400 | €2,400 | = |
| Current assets29/58 | €64,080 | €78,576 | €79,778 | €229,845 | €382,355 | ▲ 66.4% |
| Amounts receivable within one year40/41 | €28,552 | €49,311 | €58,843 | €52,854 | €71,871 | ▲ 36.0% |
| Trade receivables40 | €15,523 | €41,001 | €49,125 | €27,415 | €26,856 | ▼ 2.0% |
| Other amounts receivable41 | €13,030 | €8,310 | €9,718 | €25,439 | €45,015 | ▲ 77.0% |
| Cash at bank and in hand54/58 | €23,668 | €4,542 | €15,022 | €169,381 | €305,087 | ▲ 80.1% |
| Deferred charges and accrued income490/1 | €11,859 | €24,722 | €5,913 | €7,609 | €5,398 | ▼ 29.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €66,480 | €80,976 | €85,780 | €233,872 | €392,884 | ▲ 68.0% |
| Equity10/15 | €40,282 | €56,280 | €60,132 | €194,198 | €199,344 | ▲ 2.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €21,682 | €37,680 | €41,532 | €175,598 | €180,744 | ▲ 2.9% |
| Non-distributable reserves130/1 | €247 | €247 | - | - | - | - |
| Reserves not available under the articles1311 | €247 | €247 | - | - | - | - |
| Distributable reserves133 | €21,436 | €37,433 | €41,532 | €175,598 | €180,744 | ▲ 2.9% |
| Amounts payable17/49 | €26,197 | €24,696 | €25,648 | €39,674 | €193,540 | ▲ 388% |
| Amounts payable within one year42/48 | €25,964 | €24,683 | €25,526 | €39,674 | €193,540 | ▲ 388% |
| Financial debts43 | - | - | - | €1,615 | - | - |
| Credit institutions430/8 | - | - | - | €1,615 | - | - |
| Trade debts44 | €7,549 | €6,364 | €9,368 | €18,354 | €16,789 | ▼ 8.5% |
| Suppliers440/4 | €7,549 | €6,364 | €9,368 | €18,354 | €16,789 | ▼ 8.5% |
| Taxes, remuneration and social security45 | €18,416 | €18,319 | €16,158 | €19,705 | €32,252 | ▲ 63.7% |
| Taxes450/3 | €18,416 | €18,319 | €16,158 | €19,705 | €32,252 | ▲ 63.7% |
| Other amounts payable47/48 | - | - | - | - | €144,500 | - |
| Accrued charges and deferred income492/3 | €233 | €13 | €122 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,665 | €15,997 | €3,852 | €134,066 | €175,146 | ▲ 30.6% |
| + Depreciation and write-downs630 | - | - | €1,269 | €1,975 | €2,122 | ▲ 7.4% |
| Operating cash flow (approximation) | €20,665 | €15,997 | €5,121 | €136,041 | €177,268 | ▲ 30.3% |
| Investment in fixed assets (approximation) | - | €0 | -€4,871 | €0 | -€8,624 | - |
| Change in cash | - | -€19,126 | €10,479 | €154,359 | €135,705 | ▼ 12.1% |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €175,146 ▲30.6%
Operating result €230,257, net result €175,146, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150,000Eq €194,198 ▲223%
4 profitable years in a row build equity to €194,198.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20,665
Net result €20,665 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
19-08
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Weakest financial yearnet -€3,658
Net result drops to -€3,658, the lowest in the series; recovery starts the following year.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Sint-Truiden · 1 establishment unit since 2013
Ground area
2,738 m²
Building footprint
477 m²
Volume, LiDAR
1,750 m³
Parcel 71352C0892/00C000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Valvi
since 20132.244.837.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352C0892/00C000 | Flanders | 2,738 m² | 1 · 476 m² | 8.1 m · 1 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.
Structure & network
Connections & network
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,546 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
Founded04-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0536491855
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.