VALOC
ActiveVALOC has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €857k and a net result of €153k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+2
Solvency40▲+3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.04 in 2024; short-term debt: 84.8% and cash: 3% of total assets), and 84.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
15.2%
Return on assets
2.7%
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 19% of 8657 sector peers (2025).
NBB · sector comparisonPosition among 8657 sector peers
Solvency
better than 19%
← weakest
strongest →
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 11-05-2026, 81 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
81 d early
2024
17 d early
2023
23 d early
2022
6 d early
2021
3 d early
2020
4 d early
2019
9 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€857k▲ 21.7%
2024 · €704k
2019: €807k
2020: €586k
2021: €367k
2022: €345k
2023: €504k
2024: €704k
2019 → 2025
Total assets
€5.65M▼ 5.4%
2024 · €5.97M
2019: €1.10M
2020: €5.76M
2021: €6.57M
2022: €6.46M
2023: €6.77M
2024: €5.97M
2019 → 2025
Net result
€153k▼ 23.7%
2024 · €200k
2019: €-5k
2020: €-220k
2021: €-220k
2022: €-22k
2023: €159k
2024: €200k
2019 → 2025
Working capital
€-4.60M▲ 8.5%
2024 · €-5.03M
2019: €-252k
2020: €-4.83M
2021: €-6.05M
2022: €-5.86M
2023: €-5.51M
2024: €-5.03M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€367k-€345k▼ 5.9%€504k▲ 46.1%€704k▲ 39.8%€857k▲ 21.7%
Operating result€-114k-€9k€338k▲ 3,601%€358k▲ 5.9%€324k▼ 9.7%
Net result€-220k-€-22k▲ 90.1%€159k€200k▲ 26.0%€153k▼ 23.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.65M
Fixed assets
€5.46M▼ 4.8%
Current assets
€186k▼ 19.8%
Equity and liabilities €5.65M
Equity
€857k▲ 21.7%
Debt
€4.79M▼ 9.0%
The debt ratio falls from 88.2% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€601k▼
2024 · €636k
Cash flow
€430k▼
2024 · €478k
Solvency
15.2%▲
2024 · 11.8%
Current ratio
0.04▼
2024 · 0.04
Quick ratio
0.04▼
2024 · 0.04
Debt / equity
5.59▼
2024 · 7.48
ROE
17.8%▼
2024 · 28.5%
ROA
2.7%▼
2024 · 3.4%
Interest coverage
4.13▲
2024 · 3.85
Debt
€4.79M▼
2024 · €5.27M
Debt ≤ 1 year
€4.79M▼
2024 · €5.27M
Income taxes
€26k▲
2024 · €929
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€5.97M€5.65M▼
Fixed assets21/28€5.74M€5.46M▼
Tangible fixed assets22/27€5.74M€5.46M▼
Land and buildings22€5.72M€5.46M▼
Furniture and vehicles24€15k€4k▼
Current assets29/58€232k€186k▼
Amounts receivable within one year40/41€42k€19k▼
Trade receivables40€39k€19k▼
Other amounts receivable41€3k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€189k€167k▼
Deferred charges and accrued income490/1€883€478▼
Equity and liabilities
Total equity and liabilities10/49€5.97M€5.65M▼
Equity10/15€704k€857k▲
Contributions10/11€195k€195k=
Reserves13€509k€662k▲
Distributable reserves133€509k€662k▲
Amounts payable17/49€5.27M€4.79M▼
Amounts payable within one year42/48€5.27M€4.79M▼
Trade debts44€266€1k▲
Suppliers440/4€266€1k▲
Taxes, remuneration and social security45€53k€53k▲
Taxes450/3€53k€51k▼
Remuneration and social security454/9€17€2k▲
Other amounts payable47/48€5.21M€4.74M▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€277k€277k=
Other operating charges640/8€21k€3k▼
Gross operating margin9900€657k€604k▼
Operating profit (loss)9901€358k€324k▼
Financial income75/76B€8k€1k▼
Recurring financial income75€8k€1k▼
Financial charges65/66B€165k€146k▼
Recurring financial charges65€165k€146k▼
Profit (loss) for the period before taxes9903€201k€179k▼
Income taxes67/77€929€26k▲
Profit (loss) for the period9904€200k€153k▼
Profit (loss) for the period to be appropriated9905€200k€153k▼
Appropriation of the result
Profit (loss) to be appropriated9906€200k€153k▼
Transfer to equity691/2€200k€153k▼
To other reserves6921€200k€153k▼
The notes to these accounts (5 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €200k ▲26%
Operating result €358k, net result €200k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €159k
Net result €159k after 4 loss-making years.
31-12
Financial
Equity above €500kEq €504k ▲46.1%
Equity rises from €345k to €504k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-220k
Net result drops to €-220k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2019
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.
Antoon Van Dycklaan(Kor) 1208500 KortrijkGround area
733 m²
Building footprint
111 m²
Volume, LiDAR
639 m³
Parcel 34352C0395/00W004, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VALOC
since 20192.292.757.821
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352C0395/00W004 | Flanders | 733 m² | 1 · 111 m² | 8.3 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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BENEVISTA
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BREES & CO.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 29,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.