Summary
PYROVA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €252k and a net result of €37k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 9863 sector peers (fiscal year 2024). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
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 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
57 d late
2022
56 d early
2021
24 d early
2020
31 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€252k▲ 15.2%
2023 · €219k
2018: €106k
2019: €106k▼ -0.6% vs 2018lowest in 7 years
2020: €140k▲ +32.5% vs 2019
2021: €165k▲ +17.6% vs 2020
2022: €198k▲ +19.8% vs 2021
2023: €219k▲ +10.7% vs 2022
2024: €252k▲ +15.2% vs 2023highest in 7 years
2018 → 2024
Net result
€37k▼ 9.3%
2023 · €41k
2018: €17k
2019: €-620▼ -104% vs 2018lowest in 7 years
2020: €39k▲ +6449% vs 2019
2021: €35k▼ -12.0% vs 2020
2022: €43k▲ +23.1% vs 2021highest in 7 years
2023: €41k▼ -3.8% vs 2022
2024: €37k▼ -9.3% vs 2023
2018 → 2024
Total assets
€293k▲ 10.1%
2023 · €267k
2018: €205k
2019: €164k▼ -20.0% vs 2018lowest in 7 years
2020: €204k▲ +24.0% vs 2019
2021: €235k▲ +15.3% vs 2020
2022: €249k▲ +6.1% vs 2021
2023: €267k▲ +6.9% vs 2022
2024: €293k▲ +10.1% vs 2023highest in 7 years
2018 → 2024
Solvency
85.8%▲ 3.8pp
2023 · 82.0%
2018: 51.8%lowest in 7 years
2019: 64.4%▲ +24.2% vs 2018
2020: 68.8%▲ +6.9% vs 2019
2021: 70.2%▲ +2.0% vs 2020
2022: 79.2%▲ +12.9% vs 2021
2023: 82.0%▲ +3.5% vs 2022
2024: 85.8%▲ +4.7% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€140k-€165k▲ 17.6%€198k▲ 19.8%€219k▲ 10.7%€252k▲ 15.2%
2020: €140klowest in 5 years
2021: €165k▲ +17.6% vs 2020
2022: €198k▲ +19.8% vs 2021
2023: €219k▲ +10.7% vs 2022
2024: €252k▲ +15.2% vs 2023highest in 5 years
Operating result€57k-€64k▲ 12.6%€61k▼ 4.6%€60k▼ 3.0%€53k▼ 11.4%
2020: €57k
2021: €64k▲ +12.6% vs 2020highest in 5 years
2022: €61k▼ -4.6% vs 2021
2023: €60k▼ -3.0% vs 2022
2024: €53k▼ -11.4% vs 2023lowest in 5 years
Net result€39k-€35k▼ 12.0%€43k▲ 23.1%€41k▼ 3.8%€37k▼ 9.3%
2020: €39k
2021: €35k▼ -12.0% vs 2020lowest in 5 years
2022: €43k▲ +23.1% vs 2021highest in 5 years
2023: €41k▼ -3.8% vs 2022
2024: €37k▼ -9.3% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 11% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €293k
Fixed assets
€122k ▲ 59.4%
Current assets
€172k ▼ 9.8%
Equity and liabilities €293k
Equity
€252k ▲ 15.2%
Debt
€42k ▼ 13.3%
Debt's share of the balance-sheet total falls from 18.0% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.8%▼
2023 · 18.8%
ROA
12.7%▼
2023 · 15.4%
Debt ≤ 1 year
€42k▼
2023 · €48k
Income taxes
€15k▼
2023 · €18k
Staff costs
€80k▲
2023 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€267k€293k▲
Fixed assets21/28€76k€122k▲
Intangible fixed assets21€32k€25k▼
Tangible fixed assets22/27€44k€97k▲
Land and buildings22€15k€14k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€28k€82k▲
Current assets29/58€190k€172k▼
Amounts receivable within one year40/41€38k€25k▼
Trade receivables40€38k€25k▼
Other amounts receivable41€19€23▲
Current investments50/53€12k€12k=
Cash at bank and in hand54/58€138k€133k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€267k€293k▲
Equity10/15€219k€252k▲
Contributions10/11€19k€19k=
Reserves13€200k€233k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€198k€231k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€48k€42k▼
Amounts payable within one year42/48€48k€42k▼
Current portion of amounts payable after more than one year42€0€12k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€26k€21k▼
Taxes450/3€17k€13k▼
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€19k€4k▼
Income statement
Code20232024
Non-recurring operating income76A€0€12k▲
Remuneration, social security and pensions62€80k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€35k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€163k€171k▲
Operating profit (loss)9901€60k€53k▼
Financial income75/76B€785€561▼
Recurring financial income75€785€561▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€59k€52k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€41k€37k▼
Profit (loss) for the period to be appropriated9905€41k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€37k▼
Transfer from equity791/2€20k€4k▼
Transfer to equity691/2€41k€37k▼
To other reserves6921€41k€37k▼
Profit to be distributed694/7€20k€4k▼
Return on contributions (dividend)694€20k€4k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | €11k | €0 | €12k | - |
| Remuneration, social security and pensions62 | - | €68k | €72k | €80k | €80k | ▲ 0.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €18k | €21k | €20k | €35k | ▲ 70.4% |
| Other operating charges640/8 | - | €3k | €3k | €3k | €3k | ▼ 4.5% |
| Gross operating margin9900 | €147k | €154k | €158k | €163k | €171k | ▲ 4.7% |
| Operating profit (loss)9901 | €57k | €64k | €61k | €60k | €53k | ▼ 11.4% |
| Financial income75/76B | - | €265 | €611 | €785 | €561 | ▼ 28.6% |
| Recurring financial income75 | €209 | €265 | €611 | €785 | €561 | ▼ 28.6% |
| Financial charges65/66B | - | €752 | €968 | €1k | €1k | ▼ 18.5% |
| Recurring financial charges65 | €914 | €752 | €968 | €1k | €1k | ▼ 18.5% |
| Profit (loss) for the period before taxes9903 | €56k | €64k | €61k | €59k | €52k | ▼ 11.5% |
| Income taxes67/77 | €17k | €29k | €18k | €18k | €15k | ▼ 16.4% |
| Profit (loss) for the period9904 | €39k | €35k | €43k | €41k | €37k | ▼ 9.3% |
| Transfer from tax-exempt reserves789 | - | €38k | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €39k | €72k | €43k | €41k | €37k | ▼ 9.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €204k | €235k | €249k | €267k | €293k | ▲ 10.1% |
| Fixed assets21/28 | €82k | €69k | €97k | €76k | €122k | ▲ 59.4% |
| Intangible fixed assets21 | €54k | €47k | €40k | €32k | €25k | ▼ 22.5% |
| Tangible fixed assets22/27 | €28k | €22k | €57k | €44k | €97k | ▲ 119% |
| Land and buildings22 | - | €12k | €16k | €15k | €14k | ▼ 6.8% |
| Plant, machinery and equipment23 | - | €5k | €3k | €2k | €1k | ▼ 14.7% |
| Furniture and vehicles24 | - | €5k | €38k | €28k | €82k | ▲ 195% |
| Current assets29/58 | €122k | €166k | €153k | €190k | €172k | ▼ 9.8% |
| Amounts receivable within one year40/41 | €40k | €64k | €41k | €38k | €25k | ▼ 34.9% |
| Trade receivables40 | - | €64k | €41k | €38k | €25k | ▼ 34.9% |
| Other amounts receivable41 | - | €95 | €140 | €19 | €23 | ▲ 22.2% |
| Current investments50/53 | €12k | €12k | €12k | €12k | €12k | = |
| Cash at bank and in hand54/58 | €68k | €88k | €98k | €138k | €133k | ▼ 3.7% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €1k | €1k | ▼ 11.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €204k | €235k | €249k | €267k | €293k | ▲ 10.1% |
| Equity10/15 | €140k | €165k | €198k | €219k | €252k | ▲ 15.2% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €122k | €146k | €179k | €200k | €233k | ▲ 16.6% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €144k | €177k | €198k | €231k | ▲ 16.8% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €64k | €70k | €52k | €48k | €42k | ▼ 13.3% |
| Amounts payable after more than one year17 | €20k | €5k | €0 | - | - | - |
| Financial debts170/4 | - | €5k | €0 | - | - | - |
| Amounts payable within one year42/48 | €44k | €65k | €52k | €48k | €42k | ▼ 13.3% |
| Current portion of amounts payable after more than one year42 | - | €15k | €5k | €0 | €12k | - |
| Trade debts44 | €9k | €13k | €978 | €3k | €5k | ▲ 74.7% |
| Suppliers440/4 | - | €13k | €978 | €3k | €5k | ▲ 74.7% |
| Taxes, remuneration and social security45 | - | €28k | €36k | €26k | €21k | ▼ 18.6% |
| Taxes450/3 | - | €20k | €28k | €17k | €13k | ▼ 24.4% |
| Remuneration and social security454/9 | - | €8k | €8k | €9k | €8k | ▼ 7.7% |
| Other amounts payable47/48 | - | €10k | €10k | €19k | €4k | ▼ 81.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39k | €35k | €43k | €41k | €37k | ▼ 9.3% |
| + Depreciation and write-downs630 | €20k | €18k | €21k | €20k | €35k | ▲ 70.4% |
| Operating cash flow (approximation) | €60k | €53k | €63k | €61k | €72k | ▲ 17.1% |
| Investment in fixed assets (approximation) | - | €-5k | €-49k | €0 | €-80k | - |
| Change in cash | - | €20k | €10k | €40k | €-5k | ▼ 113% |
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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Equity above €200kEq €219k ▲10.7%
4 profitable years in a row build equity to €219k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €43k ▲23.1%
Net result €43k, the highest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €165k ▲17.6%
2 profitable years in a row build equity to €165k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-620
Net result drops to €-620, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Oud-Heverlee · 2 establishment units since 1997
Ground area
1,283 m²
Building footprint
279 m²
Volume, LiDAR
1,535 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
PYROVA ANHYP SPAARBANK
since 19972.079.992.378
ANHYP LINDELEI
since 19972.079.992.279
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24034C0216/00Z000 | Flanders | 1,140 m² | 1 · 136 m² | 9.4 m · 1 fl. |
| 11018B0009/00X008 | Flanders | 143 m² | 1 · 143 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600ARLN6LNZJQ1168
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Of 232 companies in sector 64190 we hold annual accounts for 109. 80 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
Founded14-01-1997
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
Scores and ratios are computed by Checked and are not a credit decision.