VALUMAT
ActiveSummary
VALUMAT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €904k and a net result of €121k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+4
Solvency59▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.01 in 2024; short-term debt: 40.4% and cash: 20.8% of total assets), and 65.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
34.1%
Return on assets
4.6%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
2 d early
2021
1 d early
2020
on the day
2019
on the day
← 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, abbreviated schema
Equity
€904k▲ 7.3%
2024 · €843k
2018: €154k
2019: €201k
2020: €175k
2021: €686k
2022: €638k
2023: €756k
2024: €843k
2018 → 2025
Total assets
€2.65M▼ 3.2%
2024 · €2.74M
2018: €808k
2019: €2.50M
2020: €2.05M
2021: €2.29M
2022: €2.45M
2023: €2.32M
2024: €2.74M
2018 → 2025
Net result
€121k▲ 25.1%
2024 · €97k
2018: €72k
2019: €47k
2020: €-26k
2021: €511k
2022: €12k
2023: €118k
2024: €97k
2018 → 2025
Working capital
€23k▲ 70.6%
2024 · €14k
2018: €-35k
2019: €-96k
2020: €-141k
2021: €-11k
2022: €229k
2023: €249k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€686k-€638k▼ 7.0%€756k▲ 18.5%€843k▲ 11.5%€904k▲ 7.3%
Operating result€269k-€301k▲ 11.9%€169k▼ 43.8%€183k▲ 8.5%€211k▲ 14.8%
Net result€511k-€12k▼ 97.7%€118k▲ 900%€97k▼ 17.8%€121k▲ 25.1%
Turnover and EBIT margin not published: the abbreviated 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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.65M
Fixed assets
€1.56M ▼ 5.5%
Current assets
€1.09M ▲ 0.3%
Equity and liabilities €2.65M
Equity
€904k ▲ 7.3%
Debt
€1.75M ▼ 7.8%
Debt's share of the balance-sheet total falls from 69.2% to 65.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€404k▲
2024 · €376k
Cash flow
€315k▲
2024 · €290k
Current ratio
1.02▲
2024 · 1.01
Quick ratio
1.01▲
2024 · 0.98
Debt to equity
1.93▼
2024 · 2.25
ROE
13.4%▲
2024 · 11.5%
ROA
4.6%▲
2024 · 3.5%
Interest coverage
5.52▲
2024 · 5.17
Debt ≤ 1 year
€1.07M▼
2024 · €1.08M
Debt > 1 year
€678k▼
2024 · €821k
Income taxes
€28k▲
2024 · €25k
Staff costs
€849k▲
2024 · €702k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.74M€2.65M▼
Fixed assets21/28€1.65M€1.56M▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€1.65M€1.56M▼
Plant, machinery and equipment23€80k€91k▲
Furniture and vehicles24€64k€61k▼
Other tangible fixed assets26€1.50M€1.40M▼
Current assets29/58€1.09M€1.09M▲
Stocks and contracts in progress3€30k€12k▼
Stocks30/36€30k€12k▼
Amounts receivable within one year40/41€634k€523k▼
Trade receivables40€146k€86k▼
Other amounts receivable41€488k€437k▼
Cash at bank and in hand54/58€418k€552k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€2.74M€2.65M▼
Equity10/15€843k€904k▲
Contributions10/11€20k€20k=
Reserves13€823k€884k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€42k€42k=
Distributable reserves133€781k€842k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.90M€1.75M▼
Amounts payable after more than one year17€821k€678k▼
Financial debts170/4€821k€678k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€1.08M€1.07M▼
Current portion of amounts payable after more than one year42€143k€143k▲
Trade debts44€142k€88k▼
Suppliers440/4€142k€88k▼
Advances received on contracts in progress46€20k€14k▼
Taxes, remuneration and social security45€87k€107k▲
Taxes450/3€17k€25k▲
Remuneration and social security454/9€70k€81k▲
Other amounts payable47/48€685k€719k▲
Income statement
Code20242025
Non-recurring operating income76A-€500
Remuneration, social security and pensions62€702k€849k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€193k€194k▲
Other operating charges640/8€14k€14k▼
Gross operating margin9900€1.09M€1.27M▲
Operating profit (loss)9901€183k€211k▲
Financial income75/76B€11k€12k▲
Recurring financial income75€11k€12k▲
Financial charges65/66B€73k€73k▲
Recurring financial charges65€73k€73k▲
Profit (loss) for the period before taxes9903€122k€149k▲
Income taxes67/77€25k€28k▲
Profit (loss) for the period9904€97k€121k▲
Transfer to tax-exempt reserves689€42k€0▼
Profit (loss) for the period to be appropriated9905€55k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€121k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€45k€61k▲
To other reserves6921€45k€61k▲
Profit to be distributed694/7€10k€60k▲
Directors or managers695€10k€60k▲
Social balance
Average headcount (FTE)908719.216.0▼
The notes to these accounts (15 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €511k
Net result €511k after one loss-making year.
30-09
Financial
Equity above €500kEq €686k ▲292%
Equity rises from €175k to €686k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-26k ▼156%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €200kEq €201k ▲30.6%
2 profitable years in a row build equity to €201k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 8 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ichtegem · 1 establishment unit since 2011
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.
Moerdijkstraat(ICH) 948480 IchtegemGround area
1,817 m²
Building footprint
943 m²
Volume, LiDAR
4,917 m³
Parcel 35006A0634/00F002, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SALONS DE VREDE
since 20112.202.809.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006A0634/00F002 | Flanders | 1,816 m² | 1 · 943 m² | 9.8 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteIchtegem2.202.809.226
Similar companies · same sector, comparable size
ENGELEN GUIDO
BE 0840.353.758
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N. VAN DEN BOSSCHE & C°
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Witlof
BE 0818.557.858
Etterbeek · Eq €889k
TRAITEUR GEVERS
BE 0469.285.010
Wommelgem · Eq €888k
Festicuisine
BE 0672.695.097
Heusden-Zolder · Eq €926k
Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 933 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
Founded20-09-2011
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
55100Hotels and similar accommodation
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.