Convins
Convins is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €81k and a net result of €24k. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 90 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €81k |
| Net result | €24k |
| Staff (FTE) | 2.9 |
| Better than sector | 46% |
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 | 15.7% | 22.2% | |
| Net result | €24k | €84k | |
| Equity | €81k | €120k | |
| Gross operating margin | €333k | €401k | |
| Staff costs | €207k | €434k |
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | n/a | n/a | n/a | n/a |
| EBITDA | n/a | n/a | n/a | n/a |
| Net profit | €24k | €52k | €46k | €62k |
| Cash flow | n/a | n/a | n/a | n/a |
| Staff costs | €207k | €206k | €178k | €139k |
| Income taxes | €6k | €16k | €12k | €8k |
| Dividends | - | - | - | - |
| Total assets | €515k | €545k | €550k | €583k |
| Equity | €81k | €77k | €45k | €20k |
| Debt | €434k | €467k | €505k | €563k |
| of which ≤ 1y | €155k | €157k | €133k | €130k |
| of which > 1y | €279k | €311k | €372k | €433k |
| Working capital | n/a | n/a | n/a | n/a |
| Employees (FTE) | 2.9 | 2.8 | 2.7 | 2.5 |
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | n/a | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a | n/a |
| Working capital ratio | n/a | n/a | n/a | n/a |
| Solvency | 15.7% | 14.2% | 8.2% | 3.4% |
| Debt / equity | n/a | n/a | n/a | n/a |
| Long-term debt ratio | n/a | n/a | n/a | n/a |
| Interest coverage | n/a | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a | n/a |
| Net margin | n/a | n/a | n/a | n/a |
| ROA | 4.6% | 9.5% | 8.3% | 10.6% |
| ROE | 29.4% | 67.1% | 100.5% | 312.2% |
| EBITDA margin | n/a | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a | n/a |
| Days payable outstanding | n/a | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a | n/a |
| Days inventory (DSI) | n/a | n/a | n/a | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €515k | €545k | €550k | €583k |
| Fixed assets | 21/28 | €380k | €390k | €443k | €497k |
| Intangible fixed assets | 21 | €32k | €79k | €125k | €171k |
| Tangible fixed assets | 22/27 | €348k | €310k | €317k | €326k |
| Current assets | 29/58 | €135k | €155k | €108k | €86k |
| Amounts receivable within one year | 40/41 | €111k | €119k | €99k | €79k |
| Cash & bank | 54/58 | €14k | €33k | €5k | €1k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €515k | €545k | €550k | €583k |
| Equity | 10/15 | €81k | €77k | €45k | €20k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k |
| Reserves | 13 | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €73k | €69k | €37k | €12k |
| Amounts payable | 17/49 | €434k | €467k | €505k | €563k |
| Amounts payable after one year | 17 | €279k | €311k | €372k | €433k |
| Amounts payable within one year | 42/48 | €155k | €157k | €133k | €130k |
| Trade debts payable within one year | 44 | €8k | €8k | €14k | €24k |
| Income statement | |||||
| Turnover | 70 | €545k | €535k | €475k | €436k |
| Gross operating margin | 9900 | €333k | €354k | €314k | €285k |
| Operating result | 9901 | €40k | €77k | €68k | €82k |
| Financial income | 75 | €29 | €39 | €0 | €19 |
| Financial charges | 65 | €10k | €9k | €10k | €13k |
| Result before taxes | 9903 | €30k | €68k | €58k | €70k |
| Income taxes | 67/77 | €6k | €16k | €12k | €8k |
| Net result for the period | 9904 | €24k | €52k | €46k | €62k |
| Result to be appropriated | 9905 | €24k | €52k | €46k | €62k |
| NACE primary | Insurance agents and brokers(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 22-03-2016 |
| Status | Active |
| Postal code | 9090 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44402A0532/00G003 | Flanders | 92 m² | 1 · 69 m² | 9.0 m · 2 fl. |
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
23-07-2025 Publication in the Belgian Official Gazette, Minor change
Technical details
{
"notary": {
"name": "Sara DE GROOTE",
"firm_city": null,
"firm_name": null,
"office_city": "Lochristi",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2025-07-23",
"filing_date": "2025-07-18",
"act_kind_objet": "BENAMING"
},
"decision": {
"body": "enig_aandeelhouder_schriftelijk",
"date": "2025-06-18",
"unanimous": true
},
"agm_change": null,
"detected_kind": "officer_designation",
"other_address": null,
"mandate_renewal": null,
"subject_company": {
"kbo": "0650.645.316",
"name_full": "VdhV",
"legal_form": "BV"
},
"accounts_deposit": null,
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null
},
"co_filed_documents": [
"expeditie van de akte statutenwijziging",
"de geco\u00F6rdineerde tekst van de statuten"
],
"fiscal_year_change": null,
"liquidation_closure": null,
"officer_designation": null,
"special_procuration": {
"grantee_kbo": "0647.506.870",
"grantee_name": "Detavernier Joris",
"grantor_name": null,
"scope_summary": "De heer Detavernier Joris, gecertificeerde belastingadviseur, wordt aangesteld als bijzondere gevolmachtigde om alle formaliteiten inzake wijziging bij het ondernemingsloket, de Kruispuntbank van Ondernemingen en het UBO-register te vervullen en te tekenen, inclusief alle benodigde documenten en formulieren.",
"monetary_cap_eur": null,
"scope_categories": [
"tax",
"personnel",
"recovery",
"special_assets"
],
"termination_clause": null,
"substitution_allowed": true
},
"is_volet_a_only_stub": false,
"vakbekwaamheid_change": null,
"should_reroute_to_category": null,
"single_shareholder_declaration": null
}| Legal nameNL | Convins |