Summary
VVAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €14,974 and a net result of -€1,862. The company has been active since 2023 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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 31 days before 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 1 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€14,974▼ 11.1%
2023 · €16,836
Net result
-€1,862
2023 · €13,836
Total assets
€112,415▲ 303%
2023 · €27,884
Solvency
13.3%▼ 47.1pp
2023 · 60.4%
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
Line20232024
Operating result€19,463-€2,110▼ 89.2%
Net result€13,836within the sector's middle half--€1,862below the sector's middle half
Equity€16,836below the sector's middle half-€14,974below the sector's middle half▼ 11.1%
Total assets€27,884below the sector's middle half-€112,415below the sector's middle half▲ 303%
Debt€11,049-€97,441▲ 782%
Working capital€10,360within the sector's middle half--€2,444within the sector's middle half
Solvency60.4%within the sector's middle half-13.3%below the sector's middle half▼ 47.1pp
Current ratio1.94within the sector's middle half-0.90within the sector's middle half▼ 1.03
Return on assets (ROA)49.6%above the sector's middle half--1.7%below the sector's middle half▼ 51.3pp
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
The operating result falls in 2024; 2024 is 89% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €112,415
Fixed assets
€89,475 ▲ 1,282%
Current assets
€22,940 ▲ 7.2%
Equity and liabilities €112,415
Equity
€14,974 ▼ 11.1%
Debt
€97,441 ▲ 782%
Debt's share of the balance-sheet total rises from 39.6% to 86.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-12.4%▼
2023 · 82.2%
Debt ≤ 1 year
€25,384▲
2023 · €11,049
Debt > 1 year
€72,057
Income taxes
€1,037▼
2023 · €5,608
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4 | €18,362 | ▲ 518,612% |
| Other operating charges640/8 | - | €3,051 | - |
| Gross operating margin9900 | €19,467 | €23,523 | ▲ 20.8% |
| Operating profit (loss)9901 | €19,463 | €2,110 | ▼ 89.2% |
| Financial charges65/66B | €20 | €2,935 | ▲ 14,573% |
| Recurring financial charges65 | €20 | €2,935 | ▲ 14,573% |
| Profit (loss) for the period before taxes9903 | €19,443 | -€825 | ▼ 104% |
| Income taxes67/77 | €5,608 | €1,037 | ▼ 81.5% |
| Profit (loss) for the period9904 | €13,836 | -€1,862 | ▼ 113% |
| Profit (loss) for the period to be appropriated9905 | €13,836 | -€1,862 | ▼ 113% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €27,884 | €112,415 | ▲ 303% |
| Fixed assets21/28 | €6,475 | €89,475 | ▲ 1,282% |
| Tangible fixed assets22/27 | €965 | €83,965 | ▲ 8,597% |
| Furniture and vehicles24 | €965 | €81,926 | ▲ 8,386% |
| Other tangible fixed assets26 | - | €2,039 | - |
| Financial fixed assets28 | €5,510 | €5,510 | = |
| Current assets29/58 | €21,409 | €22,940 | ▲ 7.2% |
| Amounts receivable within one year40/41 | €13,000 | €9,582 | ▼ 26.3% |
| Trade receivables40 | €13,000 | €7,318 | ▼ 43.7% |
| Other amounts receivable41 | - | €2,264 | - |
| Cash at bank and in hand54/58 | €8,409 | €12,490 | ▲ 48.5% |
| Deferred charges and accrued income490/1 | - | €867 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €27,884 | €112,415 | ▲ 303% |
| Equity10/15 | €16,836 | €14,974 | ▼ 11.1% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Reserves13 | €13,836 | €13,836 | = |
| Distributable reserves133 | €13,836 | €13,836 | = |
| Profit (loss) carried forward14 | - | -€1,862 | - |
| Amounts payable17/49 | €11,049 | €97,441 | ▲ 782% |
| Amounts payable after more than one year17 | - | €72,057 | - |
| Financial debts170/4 | - | €72,057 | - |
| Amounts payable within one year42/48 | €11,049 | €25,384 | ▲ 130% |
| Current portion of amounts payable after more than one year42 | - | €12,771 | - |
| Trade debts44 | €969 | - | - |
| Suppliers440/4 | €969 | - | - |
| Taxes, remuneration and social security45 | €5,608 | €8,229 | ▲ 46.7% |
| Taxes450/3 | €5,608 | €7,967 | ▲ 42.1% |
| Remuneration and social security454/9 | - | €262 | - |
| Other amounts payable47/48 | €4,472 | €4,384 | ▼ 2.0% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €13,836 | -€1,862 | ▼ 113% |
| + Depreciation and write-downs630 | €4 | €18,362 | ▲ 518,612% |
| Operating cash flow (approximation) | €13,839 | €16,501 | ▲ 19.2% |
| Investment in fixed assets (approximation) | - | -€101,362 | - |
| Change in cash | - | €4,081 | - |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2023
Ground area
846 m²
Building footprint
79 m²
Volume, LiDAR
642 m³
Parcel 52034B0780/00G000, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VVAL
since 20232.350.191.521
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B0780/00G000 | Wallonia | 846 m² | 1 · 79 m² | 9.9 m · 3 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.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 6,390 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded21-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:1000144531
Also
9925:BE1000144531
Registered
30-12-2025
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.