VALVIO CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of VALVIO CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €54k and a net result of €4k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 14% of 7719 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+4
Solvency38▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.42 against 0.56 in 2024; short-term debt: 39.4% and cash: 0.9% of total assets), and 87.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
12.7%
Return on assets
0.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7719 sector peers (2025).
NBB · sector comparisonPosition among 7719 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 5 filingsDeviation from the deadline
2025
13 d late
2024
28 d late
2023
28 d late
2022
32 d late
2021
30 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2024 · €-2k
2021: €42k
2022: €28k
2023: €-7k
2024: €-2k
2021 → 2025
Working capital
€-97k▼ 7.5%
2024 · €-90k
2021: €16k
2022: €40k
2023: €-49k
2024: €-90k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€75k▲ 59.8%€68k▼ 9.0%€50k▼ 26.4%€54k▲ 7.7%
Operating result€52k-€40k▼ 22.0%€6k▼ 84.2%€23k▲ 257%€26k▲ 13.6%
Net result€42k-€28k▼ 33.0%€-7k€-2k▲ 67.9%€4k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €425k
Fixed assets
€354k▼ 4.6%
Current assets
€71k▼ 38.4%
Equity and liabilities €425k
Equity
€54k▲ 7.7%
Debt
€371k▼ 14.9%
The debt ratio falls from 89.7% to 87.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €45k
Cash flow
€22k▲
2024 · €20k
Solvency
12.7%▲
2024 · 10.3%
Current ratio
0.42▼
2024 · 0.56
Quick ratio
0.42▼
2024 · 0.56
Debt / equity
6.86▼
2024 · 8.69
ROE
7.2%▲
2024 · -4.3%
ROA
0.9%▲
2024 · -0.4%
Interest coverage
2.61▲
2024 · 2.37
Debt
€371k▼
2024 · €436k
Debt ≤ 1 year
€167k▼
2024 · €205k
Debt > 1 year
€204k▼
2024 · €231k
Income taxes
€5k▼
2024 · €6k
Staff costs
€47k▼
2024 · €68k
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€486k€425k▼
Fixed assets21/28€372k€354k▼
Tangible fixed assets22/27€372k€354k▼
Land and buildings22€368k€352k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€115k€71k▼
Amounts receivable within one year40/41€109k€66k▼
Trade receivables40€91k€62k▼
Other amounts receivable41€18k€4k▼
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€3k€611▼
Equity and liabilities
Total equity and liabilities10/49€486k€425k▼
Equity10/15€50k€54k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€45k€49k▲
Amounts payable17/49€436k€371k▼
Amounts payable after more than one year17€231k€204k▼
Financial debts170/4€231k€204k▼
Amounts payable within one year42/48€205k€167k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Financial debts43€26k€33k▲
Credit institutions430/8€26k€33k▲
Trade debts44€133k€86k▼
Suppliers440/4€133k€86k▼
Advances received on contracts in progress46€7k€0▼
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€4k€9k▲
Other amounts payable47/48€0€661▲
Accrued charges and deferred income492/3€150€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€68k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€18k▼
Other operating charges640/8€11k€5k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€124k€95k▼
Operating profit (loss)9901€23k€26k▲
Financial income75/76B€9€30▲
Recurring financial income75€9€30▲
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€4k€9k▲
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€49k▼
Profit (loss) brought forward from the previous period14P€63k€45k▼
Profit to be distributed694/7€16k€0▼
Return on contributions (dividend)694€16k€0▼
Social balance
Average headcount (FTE)90870.01.0▲
The notes to these accounts (18 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼124%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Grimbergen · 1 establishment unit since 2020
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.
Kapruin 21852 GrimbergenGround area
598 m²
Building footprint
252 m²
Volume, LiDAR
1,269 m³
Parcel 23005B0459/00H000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VALVIO CONSTRUCT
since 20202.300.303.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23005B0459/00H000 | Flanders | 598 m² | 1 · 252 m² | 10.6 m · 2 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.
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MANGANO CARMELO
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Of 1,362 companies in sector 43110 we hold annual accounts for 632. 486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43310Plastering work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.