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 35 % of short-term debt in 2025; threshold 65 %.
-
Figures corrected NBB
Corrected annual account filed for 2024.
Financials
Financial year 2025
Naveau from Sivry-Rance, company number BE0417149389, closed financial year 2025 with a result of € 127,798 after tax. For that financial year Naveau recorded revenue of € 3.2 million and equity of € 365,711. Compared with financial year 2024, the result moved from € 24,145 to € 127,798. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 20, 2026.
€ 365,711
▲ € 308,003 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 127,798
▲ € 103,653 vs 2024
Profit after tax over the fiscal year.
€ 289,377
▼ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 154,311.
People and assets in 2025
14.7
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▲ 16% vs 2024
€ 74,800 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.
€ 201,797
▲ 109% vs 2024
Of which on lease € 12,157.
Debts at end 2025
€ 1.3 million
▲ 79% vs 2024
€ 199,227 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 344,935
▼ 20% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 133,601
▼ 8% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | € 1,935,757 | € 2,125,733 | € 3,238,625 | ▲ 52% |
| Gross margin | € 982,719 | € 1,049,096 | € 1,327,408 | € 1,907,026 | ▲ 44% |
| Profit after taxes | € -35,918 | € -181,794 | € 24,145 | € 127,798 | ▲ € 103,653 |
| Equity | € 215,357 | € 33,563 | € 57,708 | € 365,711 | ▲ € 308,003 |
| Total debts | € 1,106,749 | € 1,653,128 | € 2,179,712 | € 3,045,932 | ▲ 40% |
| Cash | € 169,537 | € 126,508 | € 312,004 | € 289,377 | ▼ 7% |
| Land & buildings | € 267,270 | € 255,316 | € 243,407 | € 231,819 | ▼ 5% |
| Retained profit | € 84,557 | € -97,237 | € -73,092 | € 154,311 | ▲ € 227,403 |
| Bank debt | € 516,723 | € 816,852 | € 709,937 | € 1,273,874 | ▲ 79% |
| Balance sheet total | € 1,338,834 | € 1,701,573 | € 2,250,456 | € 3,444,083 | ▲ 53% |
| Employees (FTE) | 12.6 | 13.4 | 14.6 | 14.7 | ▲ 0.1 |
Key figures of Naveau, 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 Naveau?
What happened at Naveau in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- RANCINVEST SA SA stepped down as director. NBB
- Bénédicte BLAISE stepped down as director. NBB
- Bruno Gelders stepped down as director. NBB
- Frédéric DELOBELLE stepped down as director. NBB
- Marie-Christine NAVEAU stepped down as director. NBB
- Pierre BLAISE stepped down as director. NBB
- Bruno LAURENT stepped down as director. NBB
- Christophe DELOBELLE stepped down as director. NBB
In short
From € 35,918 loss in 2022 to € 127,798 profit in 2025.
Paid € 80,202 in corporate taxes since 2022.
Best year ever: 2025, with € 127,798 profit.
On average € 129,700 of value added per employee in 2025.
A new publication or filing at Naveau? We notify you, reason included.
Follow NaveauDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 RANCINVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
NaveauThe shares are held by RANCINVEST (100%).
Directors
According to the 2025 annual accounts
Bruno Gelders
Director
since 2025 · until 2031
since 2025 · until 2031
Marie-Christine NAVEAU
Director
Also active at: RANCINVEST, BLAISE NAVEAU, ASSURANCES ANDREE GOBERT, DENAFIN
since 2023 · until 2029
Director · represented by BLAISE Philippe
Also active at: BLAISE NAVEAU, ASSURANCES ANDREE GOBERT
since 2026 · until 2032
since 2026 · until 2032
Bruno LAURENT
Director
since 2022 · until 2028
since 2022 · until 2028
Pierre BLAISE
Director
Also active at: BEPINVEST, RANCINVEST, BLAISE NAVEAU, ASSURANCES ANDREE GOBERT, DENAFIN
since 2023 · until 2029
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Grand Rue 54
6470 Sivry-Rance
Rue 't Serstevens(THN) 16-18
6530 Thuin
Active since 1 January 1977
Marcel Thirylaan 101 box 4.2
1200 Sint-Lambrechts-Woluwe
Active since 1 April 2013
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0417.149.389
- VAT number
- BE 0417.149.389
- Registered office
- Grand Rue 54, 6470 Sivry-Rance
- Names & denominations
- Naveau
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 22 December 1976
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten