MVB FINANCES
InactiveInactive since 13-05-2026; last annual accounts for fiscal year 2025.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
74 d early
2024
69 d early
2023
23 d early
2022
82 d early
2021
40 d early
2020
61 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 58 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date How is the Agents and brokers in banking services sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Equity
€32,402▼ 1.8%
2024 · €33,000
Net result
-€598
2024 · €50,606
Total assets
€39,208▼ 73.2%
2024 · €146,410
Solvency
82.6%▲ 60.1pp
2024 · 22.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€431,104▼ 1.2%€330,110▼ 23.4%€386,789▲ 17.2%€62,678▼ 83.8%-€1,363
Net result€401,076above the sector's middle half▲ 10.2%€325,342above the sector's middle half▼ 18.9%€303,515above the sector's middle half▼ 6.7%€50,606within the sector's middle half▼ 83.3%-€598below the sector's middle half
Equity€237,910within the sector's middle half▲ 27.3%€113,253within the sector's middle half▼ 52.4%€36,768below the sector's middle half▼ 67.5%€33,000below the sector's middle half▼ 10.2%€32,402below the sector's middle half▼ 1.8%
Total assets€639,416within the sector's middle half▲ 39.4%€631,096within the sector's middle half▼ 1.3%€483,115within the sector's middle half▼ 23.4%€146,410below the sector's middle half▼ 69.7%€39,208below the sector's middle half▼ 73.2%
Debt€401,506▲ 47.8%€517,843▲ 29.0%€446,348▼ 13.8%€113,410▼ 74.6%€6,806▼ 94.0%
Working capital€233,289within the sector's middle half▲ 25.0%€87,083within the sector's middle half▼ 62.7%€36,619within the sector's middle half▼ 57.9%€33,000within the sector's middle half▼ 9.9%€32,440within the sector's middle half▼ 1.7%
Solvency37.2%within the sector's middle half▼ 3.5pp17.9%within the sector's middle half▼ 19.3pp7.6%below the sector's middle half▼ 10.3pp22.5%within the sector's middle half▲ 14.9pp82.6%above the sector's middle half▲ 60.1pp
Current ratio1.58within the sector's middle half▼ 0.111.17within the sector's middle half▼ 0.411.08within the sector's middle half▼ 0.091.29within the sector's middle half▲ 0.215.79above the sector's middle half▲ 4.50
Return on assets (ROA)62.7%above the sector's middle half▼ 16.6pp51.6%above the sector's middle half▼ 11.2pp62.8%above the sector's middle half▲ 11.3pp34.6%above the sector's middle half▼ 28.3pp-1.5%below the sector's middle half▼ 36.1pp
Staff (FTE)6.5within the sector's middle half▲ 4.8%6.8within the sector's middle half▲ 4.6%0.7below the sector's middle half▼ 89.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,363 after €62,678 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €39,208
Equity
€32,402 ▼ 1.8%
Debt
€6,806 ▼ 94.0%
Debt's share of the balance-sheet total falls from 77.5% to 17.4%. Equity and debt are lower.
Key figures and ratios
ROE
-1.8%▼
2024 · 153.4%
Debt ≤ 1 year
€6,768▼
2024 · €113,410
Income taxes
€0▼
2024 · €16,821
Staff costs
€84▲
2024 · -€4,422
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €349,639 | €332,698 | €107,740 | -€4,422 | €84 | ▲ 102% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,224 | €4,490 | €0 | - | - | - |
| Other operating charges640/8 | €1,124 | €1,678 | €1,273 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €784,090 | €668,977 | €495,802 | €58,644 | -€879 | ▼ 101% |
| Operating profit (loss)9901 | €431,104 | €330,110 | €386,789 | €62,678 | -€1,363 | ▼ 102% |
| Financial income75/76B | €7 | €0 | €240 | €5,665 | €802 | ▼ 85.8% |
| Recurring financial income75 | €7 | €0 | €240 | €5,665 | €802 | ▼ 85.8% |
| Financial charges65/66B | €3,094 | €4,061 | €1,954 | €916 | €38 | ▼ 95.9% |
| Recurring financial charges65 | €3,094 | €4,061 | €1,954 | €916 | €38 | ▼ 95.9% |
| Profit (loss) for the period before taxes9903 | €428,018 | €326,049 | €385,075 | €67,427 | -€598 | ▼ 101% |
| Income taxes67/77 | €26,942 | €707 | €81,560 | €16,821 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €401,076 | €325,342 | €303,515 | €50,606 | -€598 | ▼ 101% |
| Profit (loss) for the period to be appropriated9905 | €401,076 | €325,342 | €303,515 | €50,606 | -€598 | ▼ 101% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €639,416 | €631,096 | €483,115 | €146,410 | €39,208 | ▼ 73.2% |
| Fixed assets21/28 | €4,924 | €26,170 | €149 | €0 | - | - |
| Tangible fixed assets22/27 | €4,775 | €26,021 | €0 | - | - | - |
| Furniture and vehicles24 | €4,775 | €26,021 | €0 | - | - | - |
| Financial fixed assets28 | €149 | €149 | €149 | €0 | - | - |
| Current assets29/58 | €634,493 | €604,926 | €482,967 | €146,410 | €39,208 | ▼ 73.2% |
| Amounts receivable within one year40/41 | €63,999 | €102,351 | €84,434 | €0 | €608 | - |
| Trade receivables40 | - | - | €35,142 | €0 | €368 | - |
| Other amounts receivable41 | €63,999 | €102,351 | €49,293 | €0 | €241 | - |
| Current investments50/53 | - | - | €200,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €476,921 | €439,245 | €145,794 | €144,615 | €38,599 | ▼ 73.3% |
| Deferred charges and accrued income490/1 | €93,573 | €63,331 | €52,738 | €1,795 | €0 | ▼ 100.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €639,416 | €631,096 | €483,115 | €146,410 | €39,208 | ▼ 73.2% |
| Equity10/15 | €237,910 | €113,253 | €36,768 | €33,000 | €32,402 | ▼ 1.8% |
| Contributions10/11 | €33,000 | €33,000 | €33,000 | €33,000 | €33,000 | = |
| Profit (loss) carried forward14 | €204,910 | €80,253 | €3,768 | €0 | -€598 | - |
| Amounts payable17/49 | €401,506 | €517,843 | €446,348 | €113,410 | €6,806 | ▼ 94.0% |
| Amounts payable within one year42/48 | €401,204 | €517,843 | €446,348 | €113,410 | €6,768 | ▼ 94.0% |
| Trade debts44 | €6,882 | €24,220 | €9,788 | €655 | €4,948 | ▲ 655% |
| Suppliers440/4 | €6,882 | €24,220 | €9,788 | €655 | €4,948 | ▲ 655% |
| Taxes, remuneration and social security45 | €44,322 | €43,623 | €56,560 | €58,381 | €1,821 | ▼ 96.9% |
| Taxes450/3 | - | - | €56,560 | €58,381 | €1,821 | ▼ 96.9% |
| Remuneration and social security454/9 | €44,322 | €43,623 | €0 | - | - | - |
| Other amounts payable47/48 | €350,000 | €450,000 | €380,000 | €54,374 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €302 | - | - | - | €38 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €401,076 | €325,342 | €303,515 | €50,606 | -€598 | ▼ 101% |
| + Depreciation and write-downs630 | €2,224 | €4,490 | €0 | - | - | - |
| Operating cash flow (approximation) | €403,300 | €329,833 | €303,515 | €50,606 | -€598 | ▼ 101% |
| Investment in fixed assets (approximation) | - | -€25,737 | €26,021 | €149 | - | - |
| Change in cash | - | -€37,676 | -€293,451 | -€1,179 | -€106,016 | ▼ 8,894% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€598
Net result drops to -€598, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 5.79
Current ratio from 1.29 to 5.79; short-term debt falls from €113,410 to €6,768.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2020net €401,076 ▲10.2%
Net result €401,076, the highest in the series.
31-12
Financial
Equity above €200,000Eq €237,910 ▲27.3%
2 profitable years in a row build equity to €237,910.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Visé
Ground area
618 m²
Building footprint
97 m²
Parcel 62085A0113/00E002, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62085A0113/00E002 | Wallonia | 618 m² | 1 · 97 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
3 ownersOwners 3
-
16.97%
-
16.97%
-
16.97%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 705 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
vincent.duysinx@bnpparibasfortis.com
Phone
+32478683332
Phone
+3287327391
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.