Belvia Group
ActiveSummary
Belvia Group has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,417 and a net result of €417. Its solvency ranks better than 45% of 155 sector peers (NACE 51, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
- Equity
- €2,417
- Profit
- €417
Why 69raises riskFounded in 2025Size: total assets €6,790Last filed accounts filed 29 days latelowers riskLiquidity: current ratio 1.55, cash €2,559Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 51, micro): better than 45% on solvency, 60% on liquidity and 40% on profitability.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: VAN dE STEENE Bruce…
Financials · financial year 2025, micro format
2025 annual accounts filed late (29 days) Filed on 29 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00450693.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €789 |
| Gross operating margin9900 | €1,392 |
| Operating profit (loss)9901 | €603 |
| Financial income75/76B | €4 |
| Recurring financial income75 | €4 |
| Financial charges65/66B | €6 |
| Recurring financial charges65 | €6 |
| Profit (loss) for the period before taxes9903 | €600 |
| Income taxes67/77 | €183 |
| Profit (loss) for the period9904 | €417 |
| Profit (loss) for the period to be appropriated9905 | €417 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €6,790 | |
| Current assets29/58 | €6,790 | |
| Amounts receivable within one year40/41 | €4,231 | |
| Trade receivables40 | €3,900 | |
| Other amounts receivable41 | €331 | |
| Cash at bank and in hand54/58 | €2,559 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €6,790 | |
| Equity10/15 | €2,417 | |
| Contributions10/11 | €2,000 | |
| Profit (loss) carried forward14 | €417 | |
| Amounts payable17/49 | €4,373 | |
| Amounts payable within one year42/48 | €4,373 | |
| Trade debts44 | €86 | |
| Suppliers440/4 | €86 | |
| Taxes, remuneration and social security45 | €183 | |
| Taxes450/3 | €183 | |
| Other amounts payable47/48 | €4,103 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €417 |
| Operating cash flow (approximation) | €417 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 29-08-2026 | 2026-00450693 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CISZYNSKA Anna |
|
| VAN dE STEENE Bruce |
|
Owners and capital
Capital and shareholders
- VAN dE STEENE Bruce 95 shares (95%) · €1,900 · eigen middelen
- CISZYNSKA Anna 5 shares (5%) · €100 · eigen middelen
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-07-2025 Incorporation · €2,000 · 100 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
08-07
Gazette deed
IncorporationAppointments: VAN dE STEENE Bruce (director) and CISZYNSKA Anna (director) · Permanent representative: Arne Bosman · Founder17 facts ▸
- Incorporation, “Belvia Group” (deed in Dutch)
- Founder, VAN dE STEENE Bruce
- Founder, CISZYNSKA Anna
- Founding capital, €2,000
- Other provision, “financieel plan, bedrag van het aanvangsvermogen verantwoord” (deed in Dutch)
- Other provision, “aansprakelijkheid oprichters, gewezen op aansprakelijkheid in geval van faillissement binnen drie jaar na oprichting indien aanvangsvermogen kennelijk ontoereik…” (deed in Dutch)
- Bank account, 2000, “vennootschap in oprichting” (deed in Dutch)
- Other provision, “statuten, statuten luiden als volgt” (deed in Dutch)
- Other provision, “uitwerking slot- en overgangsbepalingen, eenparig door comparant” (deed in Dutch)
- Registered office clause, “9820 Merelbeke-Melle,Vredestraat 15” (deed in Dutch)
- Board rule, 2
- Director appointment, VAN dE STEENE Bruce (director)
- +5 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44010A0473/00V000 | Flanders | 1,668 m² | 1 · 153 m² | 9.9 m · 1 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Belvia Group
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, iedere verandering bekend te maken in Bijlagen bij het Belgisch Staatsblad door zorgen bestuursorgaan” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, één of meer bestuurders” (deed in Dutch)2 more provisions on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam met vermeldingen voorgeschreven door Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Elke overdracht onder levenden zowel ten bezwarende als kosteloze titel zowel vrijwillig als gedwongen (uitsluiting en uittreding) zowel in…” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “Inschrijving in geld met uitgifte nieuwe aandelen, naar evenredigheid aantal aandelen in bezit” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Friday of June at 14:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, op elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Algemene vergadering, algemene vergadering” (deed in Dutch)“Onder voorwaarden daartoe bepaald door Wetboek van vennootschappen en verenigingen” (deed in Dutch)