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SPRL MICHEL GAVA

Active Risk: not assessed
Private limited company (pre-2019)founded 1991active for 35 yearsRue Max Fassiaux 39B, 7062 Soignies, BelgiumKBO/BCE: BE 0443.589.215
Summary

SPRL MICHEL GAVA 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 €68,601 and a net result of €38,245. Equity is growing by about 5.1% per year across the filed financial years. Its solvency ranks better than 33% of 3,034 sector peers (NACE 66, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

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SPRL MICHEL GAVAActive
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Overview

Activity
Insurance agents and brokers
NACE 66220
4th oldest company in Soignies, Finance and insurance sector1 site
Size
€229,948total assets 2025
Staff
1.2 FTE
Equity
€68,601
Profit
€38,245
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Parent
M. IMMO · 100%
2025 accounts 2 days early1 of 5 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

1 signal.
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
6 days late
2023
22 days late
2022
18 days late
2021
19 days late
2020
13 days late
2019
98 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 25 days after the deadline; the sector median (NACE 66) for financial year 2024 is 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet €38,245 ▼28.8%
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: 4th oldest company in Soignies, Finance and insurance sectorin the Checked rankings No. 4 View
  • Positive: 8 profitable years in a rowprofit 2025: €38,245 8 years View
  • Controlled by M. IMMO 100% View

By topic

Financials

Financial year
2025
Total assets
€229,948
Profit
€38,245
Solvency
29.8%
Total assets▲ 15.8%
Net result
20182025
Go to Financials

Board & ownership

Board
2 members
Parent
M. IMMO · 100%
  • GAVA EmmanuelDirector
  • GAVA Michel Edmond Jean-LucDirector
Go to Board & ownership

Timeline

Events
36
Since
1992
Next accounts
by 31-07-2027
  1. 22-08-2024Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2025
  3. 20-11-2023Resignations: M. IMMO (manager) and GAVA Michel…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Insurance agents and brokersNACE 66220
Founded
18-03-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
30
Annual meeting
Second Saturday of May at 20:00
Purpose
“Toutes activités de courtage,de gestion et de représentation en matière d'assurances,de…” (deed in French)
Go to Articles of association

Key facts about SPRL MICHEL GAVA

What is the company number of SPRL MICHEL GAVA?
0443.589.215. In Belgium the VAT number is the company number with BE in front: BE 0443.589.215.
Where is SPRL MICHEL GAVA based?
The registered office is at Rue Max Fassiaux 39B, 7062 Soignies.Company details
What does SPRL MICHEL GAVA do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of SPRL MICHEL GAVA?
Private limited company (pre-2019) (BVBA).
When was SPRL MICHEL GAVA founded?
On 18-03-1991.
Is SPRL MICHEL GAVA still active?
Yes, SPRL MICHEL GAVA is an active enterprise in the KBO register.
How many employees does SPRL MICHEL GAVA have?
On average 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of SPRL MICHEL GAVA?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is SPRL MICHEL GAVA profitable?
In financial year 2025, SPRL MICHEL GAVA made a profit of €38,245.
Where can I find the annual accounts of SPRL MICHEL GAVA?
SPRL MICHEL GAVA filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SPRL MICHEL GAVA due?
By 31-07-2027, for financial year 2026.Timeline

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