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 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
GROUPE HRVG from La Louvière, company number BE0718896494, closed financial year 2025 with a result of € 58,869 after tax. For that financial year GROUPE HRVG recorded a gross margin of € -465 and equity of € 320,407. Compared with financial year 2024, the result moved from € 45,545 to € 58,869. 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 July 3, 2026.
€ 320,407
▲ 23% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,869
▲ 29% vs 2024
Profit after tax over the fiscal year.
€ 571
▼ 73% 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 € 314,207.
Debts at end 2025
€ 7,464
▼ 86% vs 2024
Loans from banks and other lenders, long and short.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -549 | € -2,112 | € -387 | € -465 | ▼ € 78 |
| Profit after taxes | € 57,440 | € 57,568 | € 45,545 | € 58,869 | ▲ 29% |
| Equity | € 158,424 | € 215,992 | € 261,537 | € 320,407 | ▲ 23% |
| Total debts | € 441,793 | € 384,484 | € 340,611 | € 296,164 | ▼ 13% |
| Cash | € 217 | € 477 | € 2,148 | € 571 | ▼ 73% |
| Retained profit | € 152,224 | € 209,792 | € 255,337 | € 314,207 | ▲ 23% |
| Bank debt | € 139,093 | € 95,784 | € 51,911 | € 7,464 | ▼ 86% |
| Balance sheet total | € 600,217 | € 600,477 | € 602,148 | € 616,571 | ▲ 2% |
Key figures of GROUPE HRVG, 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 GROUPE HRVG?
What happened at GROUPE HRVG in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 58,869 (▲ 29% vs 2024). Source: NBB ↗
- New establishment in La Louvière. KBO
- Start of the company according to the CBE. KBO
In short
From € 57,440 profit in 2022 to € 58,869 profit in 2025.
Best year ever: 2025, with € 58,869 profit.
Management
Behind GROUPE HRVG is Vincent Minnella. It owns 70% of Centrale d'Assurances & Crédits du Hainaut SPRL itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Avenue des Hêtres(Be) 16
7100 La Louvière
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0718.896.494
- VAT number
- BE 0718.896.494
- Registered office
- Avenue des Hêtres(Be) 16, 7100 La Louvière
- Names & denominations
- GROUPE HRVG
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 January 2019
- Peppol
- Active · Active since 3 Dec 2025