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 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINAREVA from Sint-Pieters-Woluwe, company number BE0830181725, closed financial year 2025 with a result of € 51,400 after tax. For that financial year FINAREVA recorded a gross margin of € 124,438 and equity of € 593,884. Compared with financial year 2024, the result moved from € 56,609 to € 51,400. The company is profitable. 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 June 19, 2026.
€ 593,884
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 51,400
▼ 9% vs 2024
Profit after tax over the fiscal year.
€ 19,994
▲ 40% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 38,102 paid out
74 % of the profit went to the shareholders, the rest stayed in the company.
Debts at end 2025
€ 387,154
▼ 18% vs 2024
€ 105,313 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 15,788
▲ 141% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,918
▲ € 12,418 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 89,597 | € 143,453 | € 97,921 | € 124,438 | ▲ 27% |
| Profit after taxes | € 32,050 | € 88,252 | € 56,609 | € 51,400 | ▼ 9% |
| Equity | € 460,881 | € 523,977 | € 580,586 | € 593,884 | ▲ 2% |
| Total debts | € 407,802 | € 316,058 | € 529,508 | € 513,190 | ▼ 3% |
| Cash | € 19,505 | € 19,122 | € 14,297 | € 19,994 | ▲ 40% |
| Retained profit | € 440,881 | € 503,977 | € 560,586 | € 573,884 | ▲ 2% |
| Dividend | € 0 | € 0 | € 0 | € 38,102 | |
| Bank debt | € 254,849 | € 310,281 | € 472,727 | € 387,154 | ▼ 18% |
| Balance sheet total | € 868,683 | € 840,035 | € 1,110,094 | € 1,107,074 |
Key figures of FINAREVA, 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 FINAREVA?
What happened at FINAREVA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 51,400 (▼ 9% vs 2024). Source: NBB ↗
- New establishment in Sint-Pieters-Woluwe. KBO
- New establishment in Hoeilaart. KBO
- Start of the company according to the CBE. KBO
In short
From € 32,050 profit in 2022 to € 51,400 profit in 2025.
Paid € 126,514 in corporate taxes since 2022.
Best year ever: 2023, with € 88,252 profit.
Paid out € 38,102 in dividends to the owners in total.
A new publication or filing at FINAREVA? 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 FINAREVA is Valérie LUYCKS. It owns 47.5% of ASSURTEAM and 25% of FINANCE TEAM itself.
Directors
According to the 2025 annual accounts
Valérie LUYCKS
Director
Establishments
Establishment units
Physical locations of this company
René Declercqstraat 59
1150 Sint-Pieters-Woluwe
Jezus-Eiksesteenweg 100
1560 Hoeilaart
Active since 3 June 2022
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0830.181.725
- VAT number
- BE 0830.181.725
- Registered office
- René Declercqstraat 59, 1150 Sint-Pieters-Woluwe
- Names & denominations
- FINAREVA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 October 2010
- Peppol
- Active · Active since 19 Nov 2025
- Activities · NACE
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven
Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen
Herverzekering
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Activiteiten van pensioenfondsen
Overige financiële dienstverlening, neg