Vyva
Vyva is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.97M and a net result of €530k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 92% of 227 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €2.97M |
| Net result | €530k |
| Better than sector | 92% |
| Active | 33 yrs |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 81.9% | 21.3% | |
| Net result | €530k | €66k | |
| Equity | €2.97M | €128k | |
| Gross operating margin | €792k | €407k | |
| Employees (FTE) | 0.0 | 4.2 |
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €530k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €259k |
| Dividends | €756k |
| Total assets | €3.63M |
| Equity | €2.97M |
| Debt | €657k |
| of which ≤ 1y | €654k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | 0.0 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 81.9% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 14.6% |
| ROE | 17.8% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3.63M |
| Fixed assets | 21/28 | €2.58M |
| Tangible fixed assets | 22/27 | €240k |
| Financial fixed assets | 28 | €2.34M |
| Current assets | 29/58 | €1.05M |
| Amounts receivable within one year | 40/41 | €10k |
| Investments | 50/53 | €350k |
| Cash & bank | 54/58 | €280k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.63M |
| Equity | 10/15 | €2.97M |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2.95M |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €657k |
| Amounts payable within one year | 42/48 | €654k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €792k |
| Operating result | 9901 | €761k |
| Financial income | 75 | €32k |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €789k |
| Income taxes | 67/77 | €259k |
| Net result for the period | 9904 | €530k |
| Result to be appropriated | 9905 | €530k |
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 17-12-1992 |
| Status | Active |
| Postal code | 9790 |
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055A0976/00F000 | Flanders | 3,670 m² | 1 · 192 m² | 8.5 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
28-05-2026 General meeting · Officer reappointment · Officer resignation · Act object
- General meeting: date: 2026-05-16, type: Bijzondere algemene vergadering · Q & O VERZEKERINGEN
- Officer reappointment: role: bestuurder, term: zes jaar · Stefaan Desimpel
- Officer reappointment: role: bestuurder, term: zes jaar, represented_by: Stefanie Clement · CLEMAX
- Officer reappointment: role: bestuurder, term: zes jaar, represented_by: Cynthia Orens · Cyludor
- Officer reappointment: role: bestuurder, term: zes jaar, represented_by: Ludo Orens · QVO
- Officer reappointment: role: bestuurder, term: zes jaar, represented_by: Lieven Valcke · Vyva
- Officer reappointment: role: gedelegeerd bestuurder, term: zes jaar, represented_by: Lieven Valcke · Vyva
- Officer reappointment: role: gedelegeerd bestuurder, term: zes jaar, represented_by: Stefanie Clement · CLEMAX
- Officer resignation: role: bestuurder, effective_date: 2024-12-12 · Dirk Favere
- Filing: date: 2026-05-26, location: griffie Luik B · Q & O VERZEKERINGEN
- Publication: date: 2026-05-28, publication: Belgisch Staatsblad · Q & O VERZEKERINGEN
- Act object: ONTSLAGEN, BENOEMINGEN
Technical details
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}| Legal nameNL | Vyva |