Equity
€2.0m ▲ 49.0%
QVO has made a profit without a break since 2014.
QVO
Lifetime
15 annual accounts with figures on one time axispeak €1.0m (2025)
-not published
lowest -€16,987 (2013)
€653,537▲ 63.2%
peak €2.0m (2026)
€2.0m▲ 49.0%
€3.4m▲ 21.3%
peak 5.8 FTE (2018)
0 FTE▼ 100%
Board4 names since 2010
4 directorsVyva Verzekeringen BV and 3 others
Owners4 names in the annual accounts
Documentsfilings and deeds
30-10-20261 days before the deadline
2026financial year
Result from €400,417 to €653,537Staff from 1.3 FTE to 0 FTEEquity from €1.3m to €2.0mDebts from €2.8m to €3.4mInvestments €1.3mCash from €50,812 to €28,540
Key points
from the 2026 annual accountsResult
€653,537 ▲ 63.2%
The result rose in 2026: different schema filed.
Debts
€3.4m ▲ 21.3%
Debts rose by €591,023 in 2026.
Investments
€1.3m 3.7 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 24.9% higher than in 2025.
Filings
15 annual accounts since 2012
The last five annual accounts were filed 1 to 66 days before the end of the period.
Position in the sector
€653,537
Higher net result than 95% of companies in auxiliary financial services. Sector median €30,634 · 106 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal, which does not raise the risk
1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 30-10-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
1 day early
2025
57 days early
2024
62 days early
2023
42 days early
2022
66 days early
2021
59 days early
2020
58 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 49 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 4 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-03-2027 year end31-10-2027 deadline
Board and ownership
VV
Vyva Verzekeringen BV
Director, since 23-12-2010
Shares in 1 company, Q & O VERZEKERINGEN
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0832374024
Incorporation
published on 04-01-2011 · Gazette deed
First establishment
Westerlaan 1, Waregem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| QVO Waregem | €1.1m | 86.6% | 37.1% | 0 |
| INDEPENDENT RISK INSURANCE ADVISORY SERVICES Machelen (Brab.) | €1.8m | 40.5% | 92.1% | - |
| GROUPE GRANDJEAN ASSURANCES Bastogne | €1.9m | 29.3% | 54.1% | - |
| INTERNATIONAL PROFESSIONAL RISKS EUROPE Ixelles | €7.4m | 48.6% | 90.8% | 0 |
| YSARA INVEST Diksmuide | - | - | 48.9% | 0 |
| CARDOUS ROELAND Genk | - | - | 80.0% | 0 |
| Compagnie LLC Ravels | - | - | 56.0% | 0 |
Grey: the largest companies of the sector (auxiliary financial services (NACE 66)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as QVO: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €2.7m and €6.5m, founded between 1997 and 2018.
Official details
Source: KBO- Status
- Active since 31-12-2010Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Joint committee
- 307Insurance brokers and agencies · annual accounts 31-03-2025
- Establishment unit
- 2.195.671.9078790 Waregem, since 31-12-2010
- Financial year end
- 31 March
- Peppol
- Reachable since 02-07-2025
Annual accounts to 31-03-2026
- €5.3m▲ 30.3%
- Filing
- Filed on 30-10-2026, 1 day before the end of the filing period
Insights on QVO
QVO has existed since 2010. In 2013 the gross margin rose from €2,718 to €111,593.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about QVO
- What is the company number of QVO?
- The company number of QVO is 0832.374.024. The VAT number is the same number with BE in front: BE 0832.374.024.
- Where is QVO based?
- The registered office is at Westerlaan 1, 8790 Waregem.Company details
- What does QVO do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of QVO?
- QVO is a private limited company (BV).
- When was QVO founded?
- QVO was founded on 31-12-2010.
- Is QVO still active?
- Yes, QVO is an active enterprise in the KBO register.
- How many employees does QVO have?
- QVO had an average of 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does QVO fall under?
- In its 31-03-2025 annual accounts, QVO states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of QVO?
- The turnover of QVO was €1.1m in financial year 2026, according to the filed annual accounts.
- Is QVO profitable?
- In financial year 2026, QVO made a profit of €653,537.
- Where can I find the annual accounts of QVO?
- QVO filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of QVO due?
- QVO must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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