F & V INSURE
The computed 12-month bankruptcy probability of F & V INSURE is 1.8% (moderate). The 2024 annual accounts show equity of €89k and a net result of €-11k. Equity is growing by ~27.1% per year across the filed fiscal years. The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €89k |
| Net result | €-11k |
| Active | 34 yrs |
| Locations | 1 |
Strong profile, led by stability.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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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).
| Fiscal year | 2024 |
|---|---|
| Revenue | €393k |
| EBITDA | €2k |
| Net profit | €-11k |
| Cash flow | €639 |
| Staff costs | - |
| Income taxes | €-18 |
| Dividends | - |
| Total assets | €163k |
| Equity | €89k |
| Debt | €74k |
| of which ≤ 1y | €30k |
| of which > 1y | €34k |
| Working capital | €84k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 3.79 |
| Quick ratio | 3.79 |
| Working capital ratio | 51.5% |
| Solvency | 54.7% |
| Debt / equity | 0.83 |
| Long-term debt ratio | 0.38 |
| Interest coverage | 1.40 |
| Gross margin | 0.8% |
| Net margin | -2.7% |
| ROA | -6.6% |
| ROE | -12.0% |
| EBITDA margin | 0.5% |
| Days sales outstanding | 9d |
| Days payable outstanding | 9d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €163k |
| Fixed assets | 21/28 | €49k |
| Tangible fixed assets | 22/27 | €49k |
| Financial fixed assets | 28 | €105 |
| Current assets | 29/58 | €114k |
| Amounts receivable within one year | 40/41 | €105k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €163k |
| Equity | 10/15 | €89k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €69k |
| Accumulated profits (losses) | 14 | €2k |
| Amounts payable | 17/49 | €74k |
| Amounts payable after one year | 17 | €34k |
| Amounts payable within one year | 42/48 | €30k |
| Trade debts payable within one year | 44 | €10k |
| Income statement | ||
| Turnover | 70 | €393k |
| Gross operating margin | 9900 | €3k |
| Operating result | 9901 | €-9k |
| Financial income | 75 | €3 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €-11k |
| Income taxes | 67/77 | €-18 |
| Net result for the period | 9904 | €-11k |
| Result to be appropriated | 9905 | €-11k |
| NACE primary | - |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 12-03-1992 |
| Status | Active |
| Postal code | 1180 |
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. |
|---|---|---|---|---|
| 21616G0035/00D003 | Brussels | 175 m² | 1 · 70 m² | 12.1 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
03-06-2024 Capital increase of €750 to €750
- €0 → €750
Technical details
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"events": [
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}
],
"notary": {
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"office_city": "Gilly",
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},
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"filing_date": "2024-05-24",
"act_kind_objet": "Objet de l\u0027acte:"
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"decision": {
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"act_date": "2022-11-14",
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"underlying_resolution_date": null
},
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"subject_company": {
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"name_full": "F\u0026V INSURE",
"legal_form": "Soci\u00E9t\u00E9 priv\u00E9e \u00E0 responsabilit\u00E9 limit\u00E9e",
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}
],
"share_classes_after": []
}01-03-2024 2 directors appointed
- FAYT Frédéric, Commissaris
- FAYT Valérie, Commissaris
Technical details
{
"events": [
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"address": "1410 Waterloo, rue de Caraute, 110",
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"office_city": "Bruxelles",
"is_associated": false
},
"act_meta": {
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"pub_date": "2024-03-01",
"filing_date": "2024-02-19",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2024-02-19",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
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"co_filed_documents": [],
"corrected_publication_numac": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | F & V INSURE |