Thruvo is an insurance broker in Overijse. Private Limited, started on 26 June 1987, 3 establishments.

What is the address of Thruvo?

The registered office of Thruvo is located at Terhulpensesteenweg 416, 3090 Overijse.

Is Thruvo still active?

Yes. According to the CBE (29 October 2026) Thruvo is active, legal situation “Normale toestand”, started on 26 June 1987.

Is Thruvo registered on Peppol?

Yes, Thruvo is registered on the Peppol network with ID 0208:0431537558.

What is the enterprise number of Thruvo?

The enterprise number of Thruvo is BE0431537558.

When was Thruvo founded?

Thruvo was founded on 26 June 1987.

Who are the directors of Thruvo?

According to the 2025 annual accounts, the directors of Thruvo are: ERICX - VAN DEN WOUWER BV, FINANCIEEL ADVIESBUREAU BV, BRUSSELMAN INVEST BVBA.

Is Thruvo a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 26 June 1987; 4 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 3 establishments in the CBE.

How much profit did Thruvo make in 2025?

Thruvo posted a profit after taxes of € 125,314 in financial year 2025.

What is the revenue of Thruvo?

As a small company, Thruvo is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,511,575.

How much does an employee at Thruvo earn?

The average wage cost per full-time employee at Thruvo was € 79,800 in 2025: staff costs of € 1.1 million for 13.9 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Thruvo have?

According to the 2025 annual accounts, Thruvo has 13.9 full-time equivalents (FTE).

Does Thruvo have a website?

Yes, Thruvo has a website at thruvo.be.

Thruvo (Private Limited) - Overijse - BE0431537558

Dossier Thruvo, printed on 29 October 2026 from databakkes.be/en/0431537558/thruvo. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Thruvo from Overijse, company number BE0431537558, closed financial year 2025 with a result of € 125,314 after tax. For that financial year Thruvo recorded a gross margin of € 1.5 million and equity of € 566,123. Compared with financial year 2024, the result moved from € 307,106 to € 125,314. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on December 1, 2025.

What it is worth Healthy

€ 566,123

▼ 15% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 125,314

▼ 59% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 734,481

▼ 10% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 225,000 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

13.9

▲ 1.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 1.1 million

▲ 79% vs 2024

€ 79,800 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.

Vehicles and equipment

€ 102,239

▼ 31% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 485,170

▲ 10% vs 2024

€ 129,481 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 119,281

▼ 49% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 89,347

▲ 14% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 443,038 Gross margin 2022: € 443,038 First fiscal year in the series	€ 484,046 Gross margin 2023: € 484,046 ▲ 9% vs 2022 (€ 443,038) Favourable step	€ 1,150,534 Gross margin 2024: € 1,150,534 ▲ 138% vs 2023 (€ 484,046) Favourable step	€ 1,511,575 Gross margin 2025: € 1,511,575 ▲ 31% vs 2024 (€ 1,150,534) Favourable step	▲ 31%
Profit after taxes	€ 93,160 Profit after taxes 2022: € 93,160 First fiscal year in the series	€ 120,884 Profit after taxes 2023: € 120,884 ▲ 30% vs 2022 (€ 93,160) Favourable step	€ 307,106 Profit after taxes 2024: € 307,106 ▲ 154% vs 2023 (€ 120,884) Favourable step	€ 125,314 Profit after taxes 2025: € 125,314 ▼ 59% vs 2024 (€ 307,106) Unfavourable step	▼ 59%
Equity	€ 287,117 Equity 2022: € 287,117 First fiscal year in the series	€ 218,001 Equity 2023: € 218,001 ▼ 24% vs 2022 (€ 287,117) Unfavourable step	€ 665,808 Equity 2024: € 665,808 ▲ 205% vs 2023 (€ 218,001) Favourable step	€ 566,123 Equity 2025: € 566,123 ▼ 15% vs 2024 (€ 665,808) Unfavourable step	▼ 15%
Total debts	€ 147,336 Total debts 2022: € 147,336 First fiscal year in the series	€ 262,160 Total debts 2023: € 262,160 ▲ 78% vs 2022 (€ 147,336) Unfavourable step	€ 803,620 Total debts 2024: € 803,620 ▲ 207% vs 2023 (€ 262,160) Unfavourable step	€ 927,054 Total debts 2025: € 927,054 ▲ 15% vs 2024 (€ 803,620) Unfavourable step	▲ 15%
Cash	€ 232,583 Cash 2022: € 232,583 First fiscal year in the series	€ 154,631 Cash 2023: € 154,631 ▼ 34% vs 2022 (€ 232,583) Unfavourable step	€ 815,041 Cash 2024: € 815,041 ▲ € 660,411 vs 2023 (€ 154,631) Favourable step	€ 734,481 Cash 2025: € 734,481 ▼ 10% vs 2024 (€ 815,041) Unfavourable step	▼ 10%
Land & buildings	€ 3,400 Land & buildings 2022: € 3,400 First fiscal year in the series	€ 3,240 Land & buildings 2023: € 3,240 ▼ 5% vs 2022 (€ 3,400) Unchanged	€ 3,080 Land & buildings 2024: € 3,080 ▼ 5% vs 2023 (€ 3,240) Unchanged	€ 2,920 Land & buildings 2025: € 2,920 ▼ 5% vs 2024 (€ 3,080) Unchanged	▼ 5%
Retained profit	€ 91,717 Retained profit 2022: € 91,717 First fiscal year in the series	€ 22,601 Retained profit 2023: € 22,601 ▼ 75% vs 2022 (€ 91,717) Unfavourable step	€ 533,375 Retained profit 2024: € 533,375 ▲ € 510,773 vs 2023 (€ 22,601) Favourable step	€ 433,689 Retained profit 2025: € 433,689 ▼ 19% vs 2024 (€ 533,375) Unfavourable step	▼ 19%
Dividend	€ 30,000 Dividend 2022: € 30,000 First fiscal year in the series	€ 190,000 Dividend 2023: € 190,000 ▲ € 160,000 vs 2022 (€ 30,000) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 190,000) Unchanged	€ 225,000 Dividend 2025: € 225,000 Unchanged (€ 0) Unchanged
Bank debt	€ 61,265 Bank debt 2022: € 61,265 First fiscal year in the series	€ 12,616 Bank debt 2023: € 12,616 ▼ 79% vs 2022 (€ 61,265) Favourable step	€ 441,292 Bank debt 2024: € 441,292 ▲ € 428,676 vs 2023 (€ 12,616) Unfavourable step	€ 485,170 Bank debt 2025: € 485,170 ▲ 10% vs 2024 (€ 441,292) Unfavourable step	▲ 10%
Balance sheet total	€ 434,453 Balance sheet total 2022: € 434,453 First fiscal year in the series	€ 480,161 Balance sheet total 2023: € 480,161 ▲ 11% vs 2022 (€ 434,453) Unchanged	€ 1,469,428 Balance sheet total 2024: € 1,469,428 ▲ 206% vs 2023 (€ 480,161) Unchanged	€ 1,493,177 Balance sheet total 2025: € 1,493,177 ▲ 2% vs 2024 (€ 1,469,428) Unchanged	▲ 2%
Employees (FTE)	4.5 Employees (FTE) 2022: 4.5 First fiscal year in the series	4.5 Employees (FTE) 2023: 4.5 Unchanged (4.5) Unchanged	12.6 Employees (FTE) 2024: 12.6 ▲ 8.1 vs 2023 (4.5) Unchanged	13.9 Employees (FTE) 2025: 13.9 ▲ 1.3 vs 2024 (12.6) Unchanged	▲ 1.3

Key figures of Thruvo, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.

What happened to Thruvo?

What happened at Thruvo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Dec 1, 2025 New annual accounts for financial year 2025: profit of € 125,314 (▼ 59% vs 2024). Source: NBB ↗
Jul 1, 2024 New establishment in Hoeilaart. KBO
Jun 20, 2024 New establishment in Tervuren. KBO
Aug 12, 1987 New establishment in Overijse. KBO
Jun 26, 1987 Start of the company according to the CBE. KBO

In short

From € 93,160 profit in 2022 to € 125,314 profit in 2025.

Paid € 233,514 in corporate taxes since 2022.

Best year ever: 2024, with € 307,106 profit.

On average € 108,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

BRUSSELMAN INVEST 50%

FINANCIEEL ADVIESBUREAU 33.3%

The stake of BRUSSELMAN INVEST, FINANCIEEL ADVIESBUREAU comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Thruvo

Behind Thruvo are ERICX - VAN DEN WOUWER BV, FINANCIEEL ADVIESBUREAU BV and BRUSSELMAN INVEST BVBA. The shares are held by BRUSSELMAN INVEST (50%) and FINANCIEEL ADVIESBUREAU (33.3%).

Directors

According to the 2025 annual accounts

ERICX - VAN DEN WOUWER BV

Director · represented by Kenny Ericx

Also active at: FEDERATIE VOOR VERZEKERINGS- EN FINANCIELE TUSSENPERSONEN

FINANCIEEL ADVIESBUREAU BV

Director · represented by STEVEN DE JAEGHER

Also active at: CUROS COMFORT

BRUSSELMAN INVEST BVBA

Director · represented by RUBEN BRUSSELMAN

Also active at: CUROS COMFORT

Shareholders

BRUSSELMAN INVEST

50%

FINANCIEEL ADVIESBUREAU

33.3%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Terhulpensesteenweg 416

3090 Overijse

2.382.109.271

Gemeenteplein 3

1560 Hoeilaart

Active since 1 July 2024

2.382.109.370

Kerkplaats 3A

3080 Tervuren

Active since 20 June 2024

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

FABBI

ERICX - VAN DEN WOUWER same network

€ 59,450 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS thruvo.be

Technologies

Contact Form 7ElementorFont AwesomeGoogle AnalyticsGoogle FontsNginxPHPSlickWPBakeryWPMLWooCommerceWordPressjQueryjQuery UIreCAPTCHA

Certifications & Partners

FSMA

Hosting & Email

Email provider

Microsoft 365

Hosting

COMBELL-AS, BE

Website info

HTTPS Ja

Languages NL

Features

Webshop Contact page

Security

✓ HTTPS

✓ SPF

✓ DMARC

Network

✓ IPv6

Details

Company number

0431.537.558

VAT number

BE 0431.537.558

Registered office

Terhulpensesteenweg 416, 3090 Overijse

Names & denominations

Thruvo

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

26 June 1987

Peppol

Active · Active since 19 Nov 2025

Contact

thruvo.be [email protected] 02/6879484

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Agenten en makelaars in bankdiensten

View on CBE Public ↗ Annual accounts (NBB) ↗

Thruvo

Financials

What happened to Thruvo?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Website

Technologies

Certifications & Partners

Hosting & Email

Website info

Features

Security

Network

Details

Frequently asked questions