Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
VALOR RETAIL INVEST from Watermaal-Bosvoorde, company number BE0739787920, closed financial year 2024 with a result of € 3,349 after tax. For that financial year VALOR RETAIL INVEST recorded a gross margin of € 94,065 and equity of € 936,592. Compared with financial year 2023, the result moved from € -869 to € 3,349. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 28, 2025.
€ 936,592
▲ 8% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,349
▲ still € 869 loss in 2023
Profit after tax over the fiscal year.
€ 26,077
▼ 51% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 57,392.
Debts at end 2024
€ 529,087
€ 71,398 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 13,443
▲ € 12,243 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 395
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 72,006 | € 136,880 | € 58,047 | € 94,065 | ▲ 62% |
| Profit after taxes | € 15,376 | € 80,172 | € -869 | € 3,349 | ▲ € 4,218 |
| Equity | € 790,995 | € 871,166 | € 870,297 | € 936,592 | ▲ 8% |
| Total debts | € 799,177 | € 743,368 | € 697,643 | € 1,049,684 | ▲ 50% |
| Cash | € 35,786 | € 93,586 | € 53,346 | € 26,077 | ▼ 51% |
| Land & buildings | € 1,551,827 | € 1,512,316 | € 1,472,805 | € 1,580,642 | ▲ 7% |
| Retained profit | € -82,005 | € -1,834 | € -2,703 | € 57,392 | ▲ € 60,096 |
| Bank debt | € 617,508 | € 573,699 | € 529,354 | € 529,087 | |
| Balance sheet total | € 1,590,172 | € 1,614,534 | € 1,567,940 | € 1,986,276 | ▲ 27% |
Key figures of VALOR RETAIL INVEST, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to VALOR RETAIL INVEST?
What happened at VALOR RETAIL INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 3,349. filed late Source: NBB ↗
- Olivier Spagnuolo became a director. NBB
- Valerio Spagnuolo became a director. NBB
- Rocco SPAGNUOLO became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 15,376 profit in 2021 to € 3,349 profit in 2024.
Paid € 395 in corporate taxes since 2021.
Best year ever: 2022, with € 80,172 profit.
A new publication or filing at VALOR RETAIL INVEST? We notify you, reason included.
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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
Behind VALOR RETAIL INVEST are Olivier Spagnuolo, Valerio Spagnuolo and Rocco SPAGNUOLO. Olivier Spagnuolo is also behind Piccolo Mondo. Valerio Spagnuolo is also behind Piccolo Mondo. Rocco SPAGNUOLO is also behind RS LAW.
Directors
According to the 2024 annual accounts
since 2019
since 2019
since 2019
Establishments
Establishment units
Physical locations of this company
Kruisbooglaan 56
1170 Watermaal-Bosvoorde
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0739.787.920
- VAT number
- BE 0739.787.920
- Registered office
- Kruisbooglaan 56, 1170 Watermaal-Bosvoorde
- Names & denominations
- VALOR RETAIL INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 December 2019
- Peppol
- Active · Active since 11 Dec 2025