VALOR SERVICES
ActiveSummary
VALOR SERVICES has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.62M and a net result of €875k. Equity is growing by ~52.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+7
Solvency81▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 1.77 in 2024; short-term debt: 36.7% and cash: 9% of total assets), and 43.8% 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
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
56.2%
Return on assets
13.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
on the day
2023
14 d late
2022
22 d late
2021
12 d late
2020
2 d early
2019
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.62M▲ 31.9%
2024 · €2.75M
2018: €123k
2019: €154k
2020: €222k
2021: €215k
2022: €1.76M
2023: €2.26M
2024: €2.75M
2018 → 2025
Total assets
€6.44M▲ 10.2%
2024 · €5.84M
2018: €224k
2019: €278k
2020: €694k
2021: €615k
2022: €4.31M
2023: €5.01M
2024: €5.84M
2018 → 2025
Net result
€875k▲ 80.8%
2024 · €484k
2018: €86k
2019: €31k
2020: €208k
2021: €-6k
2022: €181k
2023: €507k
2024: €484k
2018 → 2025
Working capital
€3.06M▲ 44.9%
2024 · €2.11M
2018: €114k
2019: €143k
2020: €207k
2021: €195k
2022: €900k
2023: €1.62M
2024: €2.11M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€215k-€1.76M▲ 716%€2.26M▲ 28.9%€2.75M▲ 21.4%€3.62M▲ 31.9%
Operating result€-2k-€288k€801k▲ 178%€792k▼ 1.2%€1.23M▲ 54.7%
Net result€-6k-€181k€507k▲ 179%€484k▼ 4.4%€875k▲ 80.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.44M
Fixed assets
€1.02M ▲ 3.7%
Current assets
€5.42M ▲ 11.5%
Equity and liabilities €6.44M
Equity
€3.62M ▲ 31.9%
Debt
€2.82M ▼ 9.0%
Debt's share of the balance-sheet total falls from 53.0% to 43.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.58M▲
2024 · €1.10M
Cash flow
€1.23M▲
2024 · €789k
Current ratio
2.29▲
2024 · 1.77
Quick ratio
2.25▲
2024 · 1.74
Debt to equity
0.78▼
2024 · 1.13
ROE
24.2%▲
2024 · 17.6%
ROA
13.6%▲
2024 · 8.3%
Interest coverage
21.44▲
2024 · 7.61
Debt ≤ 1 year
€2.36M▼
2024 · €2.75M
Debt > 1 year
€314k▼
2024 · €318k
Income taxes
€328k▲
2024 · €215k
Staff costs
€4.83M▼
2024 · €4.87M
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.84M€6.44M▲
Fixed assets21/28€986k€1.02M▲
Intangible fixed assets21€399k€309k▼
Tangible fixed assets22/27€571k€690k▲
Plant, machinery and equipment23€52k€81k▲
Furniture and vehicles24€495k€578k▲
Other tangible fixed assets26€24k€31k▲
Financial fixed assets28€16k€25k▲
Current assets29/58€4.86M€5.42M▲
Stocks and contracts in progress3€80k€113k▲
Stocks30/36€80k€113k▲
Amounts receivable within one year40/41€4.20M€4.68M▲
Trade receivables40€1.61M€1.88M▲
Other amounts receivable41€2.59M€2.80M▲
Cash at bank and in hand54/58€527k€577k▲
Deferred charges and accrued income490/1€52k€50k▼
Equity and liabilities
Total equity and liabilities10/49€5.84M€6.44M▲
Equity10/15€2.75M€3.62M▲
Contributions10/11€592k€592k=
Reserves13€2.15M€3.03M▲
Distributable reserves133€2.15M€3.03M▲
Amounts payable17/49€3.10M€2.82M▼
Amounts payable after more than one year17€318k€314k▼
Financial debts170/4€318k€314k▼
Amounts payable within one year42/48€2.75M€2.36M▼
Current portion of amounts payable after more than one year42€144k€196k▲
Financial debts43€1.23M€886k▼
Credit institutions430/8€1.23M€886k▼
Trade debts44€561k€520k▼
Suppliers440/4€561k€520k▼
Taxes, remuneration and social security45€812k€761k▼
Taxes450/3€190k€219k▲
Remuneration and social security454/9€622k€542k▼
Accrued charges and deferred income492/3€31k€143k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4.87M€4.83M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305k€356k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k€26k▲
Other operating charges640/8€12k€14k▲
Non-recurring operating charges66A-€15k
Gross operating margin9900€6.00M€6.47M▲
Operating profit (loss)9901€792k€1.23M▲
Financial income75/76B€51k€52k▲
Recurring financial income75€51k€52k▲
Financial charges65/66B€144k€74k▼
Recurring financial charges65€144k€74k▼
Profit (loss) for the period before taxes9903€699k€1.20M▲
Income taxes67/77€215k€328k▲
Profit (loss) for the period9904€484k€875k▲
Profit (loss) for the period to be appropriated9905€484k€875k▲
Appropriation of the result
Profit (loss) to be appropriated9906€484k€875k▲
Transfer to equity691/2€484k€875k▲
To other reserves6921€484k€875k▲
Social balance
Average headcount (FTE)908778.976.2▼
The notes to these accounts (21 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €875k ▲80.8%
Operating result €1.23M, net result €875k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
31-12
Financial
Equity above €2MEq €2.26M ▲28.9%
2 profitable years in a row build equity to €2.26M.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Back to profitnet €181k
Net result €181k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.76M ▲716%
Equity rises from €215k to €1.76M.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 12 days late
2021
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €222k ▲43.9%
3 profitable years in a row build equity to €222k.
Show earlier events
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €154k ▲25.3%
2 profitable years in a row build equity to €154k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Aartselaar · 6 establishment units since 2015
Ground area
2.4 ha
Building footprint
9,902 m²
Volume, LiDAR
62,484 m³
6 parcels, Flanders, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
20
companies at this address
See who is registered here
6 establishment units
Valor Services - BU Antwerpen
since 20152.239.656.952
Valor Services - BU Oost- & West-Vlaanderen
since 20232.343.111.808
Valor Services - BU Brussel
since 20232.343.111.907
Valor Services - BU Limburg
since 20232.343.112.006
Valor Services - BU Liège
since 20232.343.112.105
Valor Services - BU Mons
since 20252.378.121.482
6 parcels
Flanders
4
(66.7%)
Wallonia
2
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71362B0289/00F000 | Flanders | 6,774 m² | 1 · 3,643 m² | 8.8 m · 3 fl. |
| 11372A0285/00M000 | Flanders | 6,223 m² | 1 · 1,525 m² | 8.5 m · 2 fl. |
| 23752F0074/00Y000 | Flanders | 6,053 m² | 1 · 2,956 m² | 9.9 m · 1 fl. |
| 62001B0433/00T000 | Wallonia | 2,109 m² | 1 · 1,276 m² | 8.4 m · 2 fl. |
| 23053B0055/00C000 | Flanders | 1,838 m² | 1 · 179 m² | 10.1 m · 2 fl. |
| 57031B0400/00M002 | Wallonia | 1,347 m² | 1 · 324 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 41,297 EUR awarded · 41,065 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,440 EUR | 1,440 EUR |
| 2024 | 2 | 24,137 EUR | 24,137 EUR |
| 2023 | 2 | 8,425 EUR | 8,425 EUR |
| 2022 | 1 | 7,295 EUR | 7,063 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Individueel Maatwerk
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Recognised contractor
1 categoryVALOR SERVICES BV43362
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Of 472 companies in sector 46442 we hold annual accounts for 334. 140 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
Founded03-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
46442Wholesale trade
81230Other cleaning activities
47783Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.