Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 44 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VALURA from Brugge, company number BE0693755975, closed financial year 2025 with a result of € 208,322 after tax. For that financial year VALURA recorded a gross margin of € 582,812 and equity of € 34,240. Compared with financial year 2024, the result moved from € 218,426 to € 208,322. The company is profitable. The buffer shrank hard: equity is 86 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 24, 2026.
€ 34,240
▼ 86% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 208,322
▼ 5% vs 2024
Profit after tax over the fiscal year.
€ 283,679
▼ 16% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 420,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
3.9
▲ 1.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 268,005
▲ 61% vs 2024
€ 68,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 11,123
▲ € 10,128 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 108,948
▲ 291% vs 2024
€ 40,452 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 60,501
▲ 108% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,059
▲ 65% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 388,083 | € 473,506 | € 445,013 | € 582,812 | ▲ 31% |
| Profit after taxes | € 183,197 | € 244,065 | € 218,426 | € 208,322 | ▼ 5% |
| Equity | € 158,426 | € 202,491 | € 245,918 | € 34,240 | ▼ 86% |
| Total debts | € 309,611 | € 337,739 | € 264,709 | € 722,667 | ▲ 173% |
| Cash | € 220,073 | € 334,151 | € 339,592 | € 283,679 | ▼ 16% |
| Retained profit | € 139,826 | € 183,891 | € 227,318 | € 15,640 | ▼ 93% |
| Dividend | € 130,000 | € 200,000 | € 175,000 | € 420,000 | ▲ 140% |
| Bank debt | € 109,378 | € 68,837 | € 27,881 | € 108,948 | ▲ 291% |
| Balance sheet total | € 468,037 | € 540,231 | € 510,627 | € 756,907 | ▲ 48% |
| Employees (FTE) | 2.1 | 2.2 | 2.2 | 3.9 | ▲ 1.7 |
Key figures of VALURA, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to VALURA?
What happened at VALURA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 208,322 (▼ 5% vs 2024). Source: NBB ↗
- WLJ CommV became a director. NBB
- BANKHIER PETER CommV became a director. NBB
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
In short
From € 183,197 profit in 2022 to € 208,322 profit in 2025.
Paid € 66,685 in corporate taxes since 2022.
Best year ever: 2023, with € 244,065 profit.
On average € 149,400 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of BMGS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VALURABehind VALURA are BMGS BV, WLJ CommV, Martine Boydens CommV and BANKHIER PETER CommV. The shares are held by BMGS (30%). It owns 50% of Seguro Oostkamp itself.
Directors
According to the 2025 annual accounts
Director · represented by Gilles Serruys
since 2025
Director · represented by Martine Boydens
since 2025
Shareholders
30%
Participations
50%
Establishments
Establishment units
Physical locations of this company
Rijselstraat 85
8200 Brugge
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0693.755.975
- VAT number
- BE 0693.755.975
- Registered office
- Rijselstraat 85, 8200 Brugge
- Names & denominations
- VALURA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 March 2018
- Peppol
- Active · Active since 25 Feb 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Overige activiteiten van geldscheppende financiële instellingen