VALOBS
ActiveVALOBS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €809k and a net result of €170k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 16250 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 6.0 against 7.09 in 2024), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
69.7%
Return on assets
14.7%
Age of the figures
8 mo
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 18-07-2026, 13 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
13 d early
2024
25 d late
2023
5 d late
2022
on the day
2021
33 d early
2020
22 d early
2019
24 d early
← 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€809k▲ 26.7%
2024 · €638k
2018: €174k
2019: €248k
2020: €293k
2021: €446k
2022: €595k
2023: €495k
2024: €638k
2018 → 2025
Total assets
€1.16M▲ 17.7%
2024 · €986k
2018: €208k
2019: €278k
2020: €341k
2021: €495k
2022: €1.01M
2023: €1.11M
2024: €986k
2018 → 2025
Net result
€170k▲ 18.4%
2024 · €144k
2018: €93k
2019: €74k
2020: €45k
2021: €154k
2022: €149k
2023: €140k
2024: €144k
2018 → 2025
Working capital
€655k▲ 22.5%
2024 · €535k
2018: €165k
2019: €237k
2020: €283k
2021: €438k
2022: €518k
2023: €404k
2024: €535k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€446k-€595k▲ 33.3%€495k▼ 16.9%€638k▲ 29.1%€809k▲ 26.7%
Operating result€221k-€216k▼ 2.4%€210k▼ 2.8%€218k▲ 3.8%€241k▲ 10.5%
Net result€154k-€149k▼ 3.1%€140k▼ 6.2%€144k▲ 3.1%€170k▲ 18.4%
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 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€374k▲ 3.0%
Current assets
€786k▲ 26.2%
Equity and liabilities €1.16M
Equity
€809k▲ 26.7%
Debt
€351k▲ 1.2%
The debt ratio falls from 35.2% to 30.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€260k▲
2024 · €237k
Cash flow
€190k▲
2024 · €163k
Solvency
69.7%▲
2024 · 64.8%
Current ratio
6.00▼
2024 · 7.09
Quick ratio
6.00▼
2024 · 7.09
Debt / equity
0.43▼
2024 · 0.54
ROE
21.1%▼
2024 · 22.5%
ROA
14.7%▲
2024 · 14.6%
Interest coverage
25.71▲
2024 · 16.98
Debt
€351k▲
2024 · €347k
Debt ≤ 1 year
€131k▲
2024 · €88k
Debt > 1 year
€220k▼
2024 · €258k
Income taxes
€74k▲
2024 · €62k
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€986k€1.16M▲
Fixed assets21/28€363k€374k▲
Tangible fixed assets22/27€363k€374k▲
Land and buildings22€356k€339k▼
Plant, machinery and equipment23€1k€811▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€1k€31k▲
Current assets29/58€623k€786k▲
Amounts receivable within one year40/41€3k€237k▲
Trade receivables40€3k€2k▼
Other amounts receivable41€331€235k▲
Current investments50/53€150k€0▼
Cash at bank and in hand54/58€470k€548k▲
Deferred charges and accrued income490/1€0€789▲
Equity and liabilities
Total equity and liabilities10/49€986k€1.16M▲
Equity10/15€638k€809k▲
Contributions10/11€6k€6k=
Reserves13€632k€803k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€630k€803k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€347k€351k▲
Amounts payable after more than one year17€258k€220k▼
Financial debts170/4€258k€220k▼
Amounts payable within one year42/48€88k€131k▲
Current portion of amounts payable after more than one year42€34k€37k▲
Trade debts44€5k€12k▲
Suppliers440/4€5k€12k▲
Taxes, remuneration and social security45€47k€82k▲
Taxes450/3€40k€75k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€982€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€239k€263k▲
Operating profit (loss)9901€218k€241k▲
Financial income75/76B€2k€13k▲
Recurring financial income75€2k€13k▲
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€206k€244k▲
Income taxes67/77€62k€74k▲
Profit (loss) for the period9904€144k€170k▲
Profit (loss) for the period to be appropriated9905€144k€170k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€170k▲
Transfer from equity791/2€0-
Transfer to equity691/2€144k€170k▲
To other reserves6921€144k€170k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €170k ▲18.4%
Operating result €241k, net result €170k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 7.09
Current ratio from 2.26 to 7.09; short-term debt falls from €320k to €88k.
31-12
Financial
Equity above €500kEq €638k ▲29.1%
7 profitable years in a row build equity to €638k.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €595k ▲33.3%
5 profitable years in a row build equity to €595k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €45k ▼39.4%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €248k ▲42.3%
2 profitable years in a row build equity to €248k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Dendermonde · 1 establishment unit since 2016
Ground area
1,394 m²
Building footprint
194 m²
Volume, LiDAR
933 m³
Parcel 42016A0041/00F000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VALOBS
since 20162.251.267.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42016A0041/00F000 | Flanders | 1,394 m² | 1 · 194 m² | 10.3 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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Of 10,466 companies in sector 86995 we hold annual accounts for 883. 425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2016
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.