Age3 yrs
Real estate2 parcels · 4,890 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of VELBA is 2.1% (moderate). The 2023 annual accounts show equity of €57k and a net result of €-3k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 08-06-2026 | 53 d early | 2026-00144256 |
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00324033 |
| 31-12-2023 | 31-07-2024 | 23-05-2024 | 69 d early | 2024-00097409 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-3k
Working capitalNot included in this filing
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-3k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €57k |
| Equity | €57k |
| Debt | - |
| of which ≤ 1y | - |
| of which > 1y | - |
| Working capital | - |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | - |
| Quick ratio | - |
| Working capital ratio | - |
| Solvency | 100.0% |
| Debt / equity | - |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -5.9% |
| ROE | -5.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €57k |
| Current assets | 29/58 | €57k |
| Cash & bank | 54/58 | €57k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €57k |
| Equity | 10/15 | €57k |
| Contributions / capital | 10/11 | €60k |
| Accumulated profits (losses) | 14 | €-3k |
| Income statement | ||
| Gross operating margin | 9900 | €-3k |
| Operating result | 9901 | €-3k |
| Financial charges | 65 | €98 |
| Result before taxes | 9903 | €-3k |
| Net result for the period | 9904 | €-3k |
| Result to be appropriated | 9905 | €-3k |
Ratios computed by Checked.
Health barometer
FY 2023 · computedNo health score: the filing is too brief
The accounts filed for FY 2023 supply 2 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.
This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Antoine ALLARDDirectorState Gazette act 24444463 (19-11-2024)Former- → 11-09-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Handel in eigen onroerend goed(68110) |
| Legal form | Private limited company(610) |
| Incorporation | 17-04-2023 |
| Status | Active |
| Postal code | 6982 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Bérismenil 146982 La Roche-en-ArdenneEstablishment units
2 locationsArduinna Beauty & Rituals
since 20252.379.912.420
ARDENNE CAPITAL
since 20262.390.607.164
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area4,890 m²
Buildings2
Building footprint227 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83046B1485/00P000 | Wallonia | 4,754 m² | 1 · 136 m² | - |
| 83031A0150/00P000 | Wallonia | 136 m² | 1 · 91 m² | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 1 year ago
2024
19-11-2024 Antoine ALLARD resigns as director
- Antoine ALLARD, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes60
/ 100
This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
0
Solvency
100
Growth
-
Stability
79
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Company registry
Company registry (CBE)
Crossroads BankActivities
Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Schoonheidsverzorging en andere schoonheidsbehandelingen96220Detailhandel in chocolade en suikerwerk47242Detailhandel in wijnen en geestrijke dranken47251Detailhandel in dranken, algemeen assortiment47252Overige detailhandel in voedingsmiddelen, neg47279Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204Verhuur en lease van andere huishoudelijke of persoonlijke artikelen, neg77229
Primary activity highlighted.
Names & trade names
| Legal nameFR | VELBA |
Registered office
Bérismenil 14
6982 La Roche-en-Ardenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.