VALCKIA
ActiveSummary
The computed 12-month bankruptcy probability of VALCKIA is 2.7% (moderate). The 2025 annual accounts show equity of €2.91M and a net result of €778k. Equity is growing by ~57.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 4157 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-13
Solvency54▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.1 in 2024; short-term debt: 59.8% and cash: 1.2% of total assets), and 70.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
29.1%
Return on assets
7.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
33 d early
2023
22 d early
2022
24 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€45.49M
EBIT margin
2.6%
Net result
€778k▼ 39.2%
2024 · €1.28M
2022: €272k
2023: €482k
2024: €1.28M
2022 → 2025
Working capital
€2.41M▲ 46.4%
2024 · €1.64M
2022: €347k
2023: €1.01M
2024: €1.64M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€45.49M
Equity€372k-€854k▲ 130%€2.13M▲ 150%€2.91M▲ 36.5%
Operating result€370k-€665k▲ 79.8%€1.86M▲ 180%€1.18M▼ 36.7%
Net result€272k-€482k▲ 77.5%€1.28M▲ 165%€778k▼ 39.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.99M
Fixed assets
€1.60M ▼ 23.9%
Current assets
€8.38M ▼ 53.1%
Equity and liabilities €9.99M
Equity
€2.91M ▲ 36.5%
Debt
€7.08M ▼ 60.4%
Debt's share of the balance-sheet total falls from 89.3% to 70.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.67M▼
2024 · €2.26M
Cash flow
€1.27M▼
2024 · €1.67M
Current ratio
1.40▲
2024 · 1.10
Quick ratio
0.27▼
2024 · 0.40
Debt to equity
2.43▼
2024 · 8.37
ROE
26.7%▼
2024 · 60.0%
ROA
7.8%▲
2024 · 6.4%
Interest coverage
16.03▼
2024 · 16.36
Debt ≤ 1 year
€5.98M▼
2024 · €16.23M
Debt > 1 year
€1.06M▼
2024 · €1.31M
Income taxes
€307k▼
2024 · €450k
Staff costs
€783k▲
2024 · €587k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€19.98M€9.99M▼
Formation expenses20€0-
Fixed assets21/28€2.11M€1.60M▼
Intangible fixed assets21€1.87M€1.38M▼
Tangible fixed assets22/27€240k€222k▼
Plant, machinery and equipment23€20k€16k▼
Furniture and vehicles24€15k€10k▼
Other tangible fixed assets26€160k€196k▲
Assets under construction and advance payments27€45k€0▼
Current assets29/58€17.87M€8.38M▼
Stocks and contracts in progress3€11.37M€6.74M▼
Stocks30/36€11.37M€6.74M▼
Goods purchased for resale34-€6.74M
Amounts receivable within one year40/41€6.22M€1.52M▼
Trade receivables40€5.75M€1.52M▼
Other amounts receivable41€470k€0▼
Cash at bank and in hand54/58€275k€117k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€19.98M€9.99M▼
Equity10/15€2.13M€2.91M▲
Contributions10/11€100k€100k=
Reserves13€1.17M€2.03M▲
Tax-exempt reserves132€421k€421k=
Distributable reserves133€754k€1.61M▲
Profit (loss) carried forward14€858k€778k▼
Amounts payable17/49€17.85M€7.08M▼
Amounts payable after more than one year17€1.31M€1.06M▼
Financial debts170/4€1.31M€1.06M▼
Credit institutions173-€1.06M
Amounts payable within one year42/48€16.23M€5.98M▼
Current portion of amounts payable after more than one year42€246k€246k=
Trade debts44€7.93M€3.98M▼
Suppliers440/4€7.93M€3.98M▼
Advances received on contracts in progress46€301k€150k▼
Taxes, remuneration and social security45€259k€455k▲
Taxes450/3€154k€318k▲
Remuneration and social security454/9€105k€138k▲
Other amounts payable47/48€7.49M€1.14M▼
Accrued charges and deferred income492/3€308k€35k▼
Income statement
Code20242025
Operating income70/76A-€45.86M
Turnover70-€45.49M
Other operating income74-€362k
Non-recurring operating income76A€10k€9k▼
Operating charges60/66A-€44.68M
Goods for resale, raw materials and consumables60-€41.44M
Purchases600/8-€36.82M
Change in stocks: decrease (increase)609-€4.62M
Services and other goods61-€1.95M
Remuneration, social security and pensions62€587k€783k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€393k€489k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€10k▲
Other operating charges640/8€2k€8k▲
Gross operating margin9900€2.85M-
Operating profit (loss)9901€1.86M€1.18M▼
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Other financial income752/9-€8k
Financial charges65/66B€138k€105k▼
Recurring financial charges65€138k€105k▼
Debt charges650-€104k
Other financial charges652/9-€660
Profit (loss) for the period before taxes9903€1.73M€1.08M▼
Income taxes67/77€450k€307k▼
Taxes670/3-€307k
Profit (loss) for the period9904€1.28M€778k▼
Transfer to tax-exempt reserves689€421k€0▼
Profit (loss) for the period to be appropriated9905€858k€778k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.34M€1.64M▲
Profit (loss) brought forward from the previous period14P€482k€858k▲
Transfer to equity691/2€482k€858k▲
To other reserves6921€482k€858k▲
Social balance
Average headcount (FTE)90879.012.6▲
The notes to these accounts (70 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
19-03
State Gazette act
Resignation: PEGGY VALCKENIER BV (director)Permanent representatives: Peggy Valckenier, Guy Valckenier and Koenraad Valckenier · Director discharge6 facts ▸
State Gazette act
Resignation: PEGGY VALCKENIER BV (director)
Permanent representatives: Peggy Valckenier, Guy Valckenier and Koenraad Valckenier · Director discharge6 facts ▸
- General meeting, 02/03/2026
- Director resignation, PEGGY VALCKENIER BV (director)
- Permanent representative, Peggy Valckenier
- Director discharge, PEGGY VALCKENIER BV
- Permanent representative, Guy Valckenier
- Permanent representative, Koenraad Valckenier
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2022net €1.28M ▲165%
Operating result €1.86M, net result €1.28M, both a record.
30-09
Financial
Equity above €2MEq €2.13M ▲150%
3 profitable years in a row build equity to €2.13M.
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €500kEq €854k ▲130%
2 profitable years in a row build equity to €854k.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-03-2026
Resigned as Director
Location & real-estate footprint
Registered office, Aalst · 4 establishment units since 2021
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.
Siesegemlaan 19300 AalstGround area
2.1 ha
Building footprint
7,652 m²
Volume, LiDAR
18,430 m³
3 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
Valckenier Kia Aalst
since 20212.321.917.209
Valckenier Kia Zottegem
since 20232.348.956.057
Valckenier Kia Gent
since 20232.352.707.878
Valckenier Kia Ninove
since 20242.365.594.527
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44813S0412/00G003 | Flanders | 1.1 ha | 1 · 4,788 m² | - |
| 41055B0417/00T000 | Flanders | 6,145 m² | 1 · 1,747 m² | 9.6 m · 2 fl. |
| 41013B0836/00D003 | Flanders | 3,199 m² | 1 · 1,116 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 3
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Dual-learning approval
6 live approvalsAutotechnieken duaal (so)
Bandenmonteur (vwo)
Bandenmonteur duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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GARAGE CARROSSERIE MON
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Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 1,994 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2021
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.