SOCIETE FINANCIERE DU VAL D'OR
ActiveSummary
SOCIETE FINANCIERE DU VAL D'OR has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195.09M and a net result of €11.23M. Equity is growing by ~4.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity tight (current ratio 1.28; short-term debt: 18.1% and cash: 0.3% of total assets), and 18.1% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
81.9%
Return on assets
4.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
64 d early
2023
57 d early
2022
49 d early
2021
45 d early
2020
52 d early
2019
44 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11.23M▼ 1.9%
2024 · €11.45M
Working capital
€12.18M▼ 72.9%
2024 · €44.97M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-350k▼ 2,563%€-38k▲ 89.0%€-27k▲ 29.1%€-27k▲ 1.0%€-25k▲ 5.9%
Net result€12.31M▲ 86.5%€8.52M▼ 30.8%€10.34M▲ 21.4%€11.45M▲ 10.7%€11.23M▼ 1.9%
Equity€196.55M▲ 6.7%€205.06M▲ 4.3%€215.40M▲ 5.0%€226.86M▲ 5.3%€195.09M▼ 14.0%
Total assets€196.66M▲ 6.7%€205.07M▲ 4.3%€215.42M▲ 5.0%€226.95M▲ 5.4%€238.19M▲ 5.0%
Debt€115k▲ 3,316%€7k▼ 93.8%€17k▲ 136%€94k▲ 455%€43.10M▲ 45,881%
Working capital€36.18M▲ 150%€44.13M▲ 22.0%€35.23M▼ 20.2%€44.97M▲ 27.6%€12.18M▼ 72.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238.19M
Fixed assets
€182.91M ▲ 0.6%
Current assets
€55.28M ▲ 22.7%
Equity and liabilities €238.19M
Equity
€195.09M ▼ 14.0%
Debt
€43.10M ▲ 45,881%
Debt's share of the balance-sheet total rises from 0.0% to 18.1%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.28
Debt to equity
0.22▲
2024 · 0.00
ROE
5.8%▲
2024 · 5.0%
ROA
4.7%▼
2024 · 5.0%
Debt ≤ 1 year
€43.10M▲
2024 · €94k
Income taxes
€262k▼
2024 · €369k
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 |
|---|---|---|---|---|---|---|
| Operating charges60/66A | €350k | €38k | €27k | €27k | €25k | ▼ 5.9% |
| Services and other goods61 | €331k | €9k | €13k | €17k | €24k | ▲ 43.9% |
| Other operating charges640/8 | €19k | €29k | €14k | €10k | €1k | ▼ 89.9% |
| Operating profit (loss)9901 | €-350k | €-38k | €-27k | €-27k | €-25k | ▲ 5.9% |
| Financial income75/76B | €12.75M | €8.58M | €10.65M | €11.91M | €11.53M | ▼ 3.1% |
| Recurring financial income75 | €7.01M | €8.45M | €10.49M | €11.87M | €11.53M | ▼ 2.8% |
| Income from financial fixed assets750 | €6.97M | €8.19M | €9.24M | €10.52M | €10.55M | ▲ 0.3% |
| Income from current assets751 | €43k | €261k | €1.25M | €1.35M | €988k | ▼ 27.0% |
| Other financial income752/9 | - | €1k | €3k | - | - | - |
| Non-recurring financial income76B | €5.74M | €129k | €159k | €38k | - | - |
| Financial charges65/66B | €38k | €20k | €45k | €60k | €15k | ▼ 74.4% |
| Recurring financial charges65 | €38k | €20k | €45k | €60k | €15k | ▼ 74.4% |
| Debt charges650 | €531 | €3k | - | €4k | €748 | ▼ 79.6% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | - | - | €18k | - | - |
| Other financial charges652/9 | €37k | €17k | €45k | €38k | €15k | ▼ 62.0% |
| Profit (loss) for the period before taxes9903 | €12.36M | €8.52M | €10.58M | €11.82M | €11.49M | ▼ 2.8% |
| Income taxes67/77 | €52k | €4k | €239k | €369k | €262k | ▼ 29.0% |
| Taxes670/3 | €52k | €4k | €239k | €369k | €262k | ▼ 29.0% |
| Profit (loss) for the period9904 | €12.31M | €8.52M | €10.34M | €11.45M | €11.23M | ▼ 1.9% |
| Profit (loss) for the period to be appropriated9905 | €12.31M | €8.52M | €10.34M | €11.45M | €11.23M | ▼ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €196.66M | €205.07M | €215.42M | €226.95M | €238.19M | ▲ 5.0% |
| Fixed assets21/28 | €160.37M | €160.93M | €180.17M | €181.88M | €182.91M | ▲ 0.6% |
| Financial fixed assets28 | €160.37M | €160.93M | €180.17M | €181.88M | €182.91M | ▲ 0.6% |
| Affiliated companies280/1 | €160.37M | €160.93M | €180.17M | €181.88M | €182.91M | ▲ 0.6% |
| Participating interests280 | €160.37M | €160.93M | €180.17M | €181.88M | €182.91M | ▲ 0.6% |
| Current assets29/58 | €36.30M | €44.14M | €35.25M | €45.07M | €55.28M | ▲ 22.7% |
| Amounts receivable within one year40/41 | €35.60M | €43.36M | €34.90M | €44.30M | €54.64M | ▲ 23.4% |
| Other amounts receivable41 | €35.60M | €43.36M | €34.90M | €44.30M | €54.64M | ▲ 23.4% |
| Cash at bank and in hand54/58 | €649k | €725k | €276k | €486k | €626k | ▲ 28.7% |
| Deferred charges and accrued income490/1 | €43k | €58k | €76k | €286k | €10k | ▼ 96.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €196.66M | €205.07M | €215.42M | €226.95M | €238.19M | ▲ 5.0% |
| Equity10/15 | €196.55M | €205.06M | €215.40M | €226.86M | €195.09M | ▼ 14.0% |
| Contributions10/11 | €101.40M | €101.40M | €101.40M | €101.40M | €101.40M | = |
| Capital10 | €101.40M | €101.40M | €101.40M | €101.40M | €101.40M | = |
| Issued capital100 | €101.40M | €101.40M | €101.40M | €101.40M | €101.40M | = |
| Reserves13 | €6.15M | €6.58M | €7.09M | €7.67M | €8.23M | ▲ 7.3% |
| Non-distributable reserves130/1 | €6.15M | €6.58M | €7.09M | €7.67M | €8.23M | ▲ 7.3% |
| Legal reserve130 | €6.15M | €6.58M | €7.09M | €7.67M | €8.23M | ▲ 7.3% |
| Profit (loss) carried forward14 | €89.00M | €97.09M | €106.91M | €117.79M | €85.46M | ▼ 27.4% |
| Amounts payable17/49 | €115k | €7k | €17k | €94k | €43.10M | ▲ 45,881% |
| Amounts payable within one year42/48 | €115k | €7k | €17k | €94k | €43.10M | ▲ 45,881% |
| Trade debts44 | €111k | €4k | €12k | €17k | €24k | ▲ 36.7% |
| Suppliers440/4 | €111k | €4k | €12k | €17k | €24k | ▲ 36.7% |
| Taxes, remuneration and social security45 | - | - | €2k | €73k | €74k | ▲ 1.1% |
| Taxes450/3 | - | - | €2k | €73k | €74k | ▲ 1.1% |
| Other amounts payable47/48 | €3k | €3k | €3k | €3k | €43.00M | ▲ 1,336,915% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12.31M | €8.52M | €10.34M | €11.45M | €11.23M | ▼ 1.9% |
| Operating cash flow (approximation) | €12.31M | €8.52M | €10.34M | €11.45M | €11.23M | ▼ 1.9% |
| Investment in fixed assets (approximation) | - | €-564k | €-19.24M | €-1.71M | €-1.03M | ▲ 39.9% |
| Change in cash | - | €75k | €-448k | €210k | €140k | ▼ 33.5% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity times 20current ratio 6173.01
Current ratio from 315.96 to 6173.01; short-term debt falls from €115k to €7k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €12.31M ▲86.5%
Net result €12.31M, the highest in the series.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €6.60M ▼3.2%
Net result drops to €6.60M, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 2368.74
Current ratio from 638.55 to 2368.74; short-term debt falls from €18k to €4k.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Show earlier events
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2012
28-08
State Gazette act
Share transfer · Name change
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 31 acts read
About the unread acts
We know of 31 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
31 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, Elsene · 1 establishment unit since 2011
Ground area
7,406 m²
Building footprint
1,655 m²
Volume, LiDAR
29,823 m³
Parcel 21446F0030/00A000, Brussels · tallest building 28.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SOCIETE FINANCIERE DU VAL D'OR
since 20112.236.753.979
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21446F0030/00A000 | Brussels | 7,406 m² | 1 · 1,655 m² | 28.5 m · 6 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
Part of the group
ALIAXIS
21 companies
Group, risk and exposure
Connections & network
No current directors or connected companies found in the register.
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Brussels
controls
SOCIETE FINANCIERE DU VAL D'ORBE 0839.921.911
Recognitions · licences · registrations
Legal Entity Identifier
549300HS85UEM1BG1J79
Identification & contact
Identification
Legal formPublic limited company
Founded04-10-2011
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.