What does SOLVAS RISK do?

SOLVAS RISK is an insurance broker in Lievegem. Public Limited, started on 22 June 1989, 3 establishments.

What is the address of SOLVAS RISK?

The registered office of SOLVAS RISK is located at Zomerlaan 1, 9930 Lievegem.

Is SOLVAS RISK still active?

Yes. According to the CBE (30 October 2026) SOLVAS RISK is active, legal situation “Normale toestand”, started on 22 June 1989.

Is SOLVAS RISK registered on Peppol?

Yes, SOLVAS RISK is registered on the Peppol network with ID 0208:0437928769.

What is the enterprise number of SOLVAS RISK?

The enterprise number of SOLVAS RISK is BE0437928769.

When was SOLVAS RISK founded?

SOLVAS RISK was founded on 22 June 1989.

Who are the directors of SOLVAS RISK?

According to the 2025 annual accounts, the directors of SOLVAS RISK are: SOLVAS BV.

Is SOLVAS RISK a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 June 1989; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 3 establishments in the CBE.

How much profit did SOLVAS RISK make in 2025?

SOLVAS RISK posted a profit after taxes of € 143,524 in financial year 2025.

What is the revenue of SOLVAS RISK?

As a small company, SOLVAS RISK is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,831,132.

How much does an employee at SOLVAS RISK earn?

The average wage cost per full-time employee at SOLVAS RISK was € 73,200 in 2025: staff costs of € 1.2 million for 16.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does SOLVAS RISK have?

According to the 2025 annual accounts, SOLVAS RISK has 16.5 full-time equivalents (FTE).

SOLVAS RISK (Public Limited) - Lievegem - BE0437928769

Dossier SOLVAS RISK, printed on 30 October 2026 from databakkes.be/en/0437928769/solvas-risk. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Shrinking team NBB

FTE fell two years in a row, from 24.2 to 16.5.
Busy address KBO

13 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

SOLVAS RISK from Lievegem, company number BE0437928769, closed financial year 2025 with a result of € 143,524 after tax. For that financial year SOLVAS RISK recorded a gross margin of € 1.8 million and equity of € 636,375. Compared with financial year 2024, the result moved from € 12,335 to € 143,524. 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 September 30, 2026.

What it is worth Growing

€ 636,375

▲ 1% vs 2024

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

Profit Growing

€ 143,524

▲ € 131,188 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 65,439

▼ 54% vs 2024

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

Where the profit goes Pays out

€ 136,000 paid out

95 % of the profit went to the shareholders, mostly to SOLVAS (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

16.5

▼ 1 vs 2024

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

Wage cost

€ 1.2 million

▲ 2% vs 2024

€ 73,200 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

€ 7,472

▼ 34% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 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.

€ 2.2 million

▼ 16% vs 2024

€ 397,138 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 2.8 million

▲ 33% vs 2024

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

Taxes and wages

€ 132,574

▲ 15% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 1,272,574 Gross margin 2022: € 1,272,574 First fiscal year in the series	€ 2,115,153 Gross margin 2023: € 2,115,153 ▲ 66% vs 2022 (€ 1,272,574) Favourable step	€ 1,712,387 Gross margin 2024: € 1,712,387 ▼ 19% vs 2023 (€ 2,115,153) Unfavourable step	€ 1,831,132 Gross margin 2025: € 1,831,132 ▲ 7% vs 2024 (€ 1,712,387) Favourable step	▲ 7%
Profit after taxes	€ 4,421 Profit after taxes 2022: € 4,421 First fiscal year in the series	€ 62,910 Profit after taxes 2023: € 62,910 ▲ € 58,489 vs 2022 (€ 4,421) Favourable step	€ 12,335 Profit after taxes 2024: € 12,335 ▼ 80% vs 2023 (€ 62,910) Unfavourable step	€ 143,524 Profit after taxes 2025: € 143,524 ▲ € 131,188 vs 2024 (€ 12,335) Favourable step	▲ € 131,188
Equity	€ 379,903 Equity 2022: € 379,903 First fiscal year in the series	€ 616,516 Equity 2023: € 616,516 ▲ 62% vs 2022 (€ 379,903) Favourable step	€ 628,851 Equity 2024: € 628,851 ▲ 2% vs 2023 (€ 616,516) Favourable step	€ 636,375 Equity 2025: € 636,375 ▲ 1% vs 2024 (€ 628,851) Favourable step	▲ 1%
Total debts	€ 4,377,832 Total debts 2022: € 4,377,832 First fiscal year in the series	€ 4,283,311 Total debts 2023: € 4,283,311 ▼ 2% vs 2022 (€ 4,377,832) Favourable step	€ 5,203,707 Total debts 2024: € 5,203,707 ▲ 21% vs 2023 (€ 4,283,311) Unfavourable step	€ 5,880,605 Total debts 2025: € 5,880,605 ▲ 13% vs 2024 (€ 5,203,707) Unfavourable step	▲ 13%
Cash	€ 294,829 Cash 2022: € 294,829 First fiscal year in the series	€ 377,411 Cash 2023: € 377,411 ▲ 28% vs 2022 (€ 294,829) Favourable step	€ 142,257 Cash 2024: € 142,257 ▼ 62% vs 2023 (€ 377,411) Unfavourable step	€ 65,439 Cash 2025: € 65,439 ▼ 54% vs 2024 (€ 142,257) Unfavourable step	▼ 54%
Retained profit	€ 272,572 Retained profit 2022: € 272,572 First fiscal year in the series	€ 430,241 Retained profit 2023: € 430,241 ▲ 58% vs 2022 (€ 272,572) Favourable step	€ 442,576 Retained profit 2024: € 442,576 ▲ 3% vs 2023 (€ 430,241) Favourable step	€ 450,100 Retained profit 2025: € 450,100 ▲ 2% vs 2024 (€ 442,576) Favourable step	▲ 2%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 136,000 Dividend 2025: € 136,000 Unchanged (€ 0) Unchanged
Bank debt	€ 3,034,839 Bank debt 2022: € 3,034,839 First fiscal year in the series	€ 3,011,785 Bank debt 2023: € 3,011,785 ▼ 1% vs 2022 (€ 3,034,839) Favourable step	€ 2,601,396 Bank debt 2024: € 2,601,396 ▼ 14% vs 2023 (€ 3,011,785) Favourable step	€ 2,189,065 Bank debt 2025: € 2,189,065 ▼ 16% vs 2024 (€ 2,601,396) Favourable step	▼ 16%
Balance sheet total	€ 4,757,735 Balance sheet total 2022: € 4,757,735 First fiscal year in the series	€ 4,899,827 Balance sheet total 2023: € 4,899,827 ▲ 3% vs 2022 (€ 4,757,735) Unchanged	€ 5,832,558 Balance sheet total 2024: € 5,832,558 ▲ 19% vs 2023 (€ 4,899,827) Unchanged	€ 6,516,979 Balance sheet total 2025: € 6,516,979 ▲ 12% vs 2024 (€ 5,832,558) Unchanged	▲ 12%
Employees (FTE)	17 Employees (FTE) 2022: 17 First fiscal year in the series	24.2 Employees (FTE) 2023: 24.2 ▲ 7.2 vs 2022 (17) Unchanged	17.5 Employees (FTE) 2024: 17.5 ▼ 6.7 vs 2023 (24.2) Unchanged	16.5 Employees (FTE) 2025: 16.5 ▼ 1 vs 2024 (17.5) Unchanged	▼ 1

Key figures of SOLVAS RISK, 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 SOLVAS RISK?

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

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 143,524 (▲ € 131,188 vs 2024). filed late Source: NBB ↗
Jan 1, 2024 New establishment in Maldegem. KBO
Jan 1, 2024 New establishment in Oostende. KBO
2014 SOLVAS BV became a director. NBB
Aug 16, 1989 New establishment in Lievegem. KBO
Jun 22, 1989 Start of the company according to the CBE. KBO

In short

From € 4,421 profit in 2022 to € 143,524 profit in 2025.

Paid € 114,492 in corporate taxes since 2022.

Best year ever: 2025, with € 143,524 profit.

On average € 111,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

SOLVAS 100%

The stake of SOLVAS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

SOLVAS RISK

Behind SOLVAS RISK is SOLVAS BV. The shares are held by SOLVAS (100%).

Directors

According to the 2025 annual accounts

SOLVAS BV

Director · represented by Dominique Willems

Also active at: KANTOOR PATTYN, SOLVAS FINANCE, Solvas Life

since 2014

Shareholders

SOLVAS

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Zomerlaan 1

9930 Lievegem

2.355.539.585

Koning Leopoldlaan 12 box 0/001

9990 Maldegem

Active since 1 January 2024

2.355.539.684

Roerdompstraat 1

8400 Oostende

Active since 1 January 2024

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 13 companies are registered at this address.

All companies at this address →

SOLVAS FINANCE same network

€ 240,340 gross margin · 2025

CONSEA IMMO

€ 150,875 gross margin · 2025

IMMO-WILLEMS

€ 213,158 gross margin · 2025

Solvas Life same network

€ 137,180 gross margin · 2025

SOLVAS CONSULTANCY

€ 23,734 gross margin · 2025

+8 more

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

Details

Company number: 0437.928.769
VAT number: BE 0437.928.769
Registered office: Zomerlaan 1, 9930 Lievegem
Names & denominations: SOLVAS RISK · Solvas
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 22 June 1989
Peppol: Active · Active since 21 Oct 2026
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗