Summary
Thruvo 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 €566,123 and a net result of €125,314. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 1502 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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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 30-06-2025 was due by 31-01-2026 and was filed on 01-12-2025, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
on the day
2023
7 d early
2022
5 d early
2021
38 d early
2020
45 d early
2019
42 d early
← 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 28 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 (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 24 January (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Overijse, Finance and insurance sector
Equity
€566,123▼ 15.0%
2024 · €665,808
Net result
€125,314▼ 59.2%
2024 · €307,106
Total assets
€1.5m▲ 1.6%
2024 · €1.5m
Solvency
37.9%▼ 7.4pp
2024 · 45.3%
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€94,385▲ 270%€121,675▲ 28.9%€151,326▲ 24.4%€425,002▲ 181%€194,609▼ 54.2%
Net result€68,918within the sector's middle half▲ 321%€93,160within the sector's middle half▲ 35.2%€120,884within the sector's middle half▲ 29.8%€307,106above the sector's middle half▲ 154%€125,314within the sector's middle half▼ 59.2%
Equity€223,957within the sector's middle half▲ 4.1%€287,117within the sector's middle half▲ 28.2%€218,001within the sector's middle half▼ 24.1%€665,808within the sector's middle half▲ 205%€566,123within the sector's middle half▼ 15.0%
Total assets€432,453below the sector's middle half▼ 2.0%€434,453below the sector's middle half▲ 0.5%€480,161below the sector's middle half▲ 10.5%€1.5mwithin the sector's middle half▲ 206%€1.5mwithin the sector's middle half▲ 1.6%
Debt€208,495▼ 7.9%€147,336▼ 29.3%€262,160▲ 77.9%€803,620▲ 207%€927,054▲ 15.4%
Working capital€91,136within the sector's middle half▲ 60.9%€166,696within the sector's middle half▲ 82.9%€174,360within the sector's middle half▲ 4.6%€666,795above the sector's middle half▲ 282%€355,895above the sector's middle half▼ 46.6%
Solvency51.8%within the sector's middle half▲ 3.1pp66.1%within the sector's middle half▲ 14.3pp45.4%within the sector's middle half▼ 20.7pp45.3%within the sector's middle half▼ 0.1pp37.9%within the sector's middle half▼ 7.4pp
Current ratio1.59within the sector's middle half▲ 0.152.29within the sector's middle half▲ 0.711.68within the sector's middle half▼ 0.622.42within the sector's middle half▲ 0.741.63within the sector's middle half▼ 0.79
Return on assets (ROA)15.9%within the sector's middle half▲ 12.2pp21.4%above the sector's middle half▲ 5.5pp25.2%above the sector's middle half▲ 3.7pp20.9%above the sector's middle half▼ 4.3pp8.4%within the sector's middle half▼ 12.5pp
Staff (FTE)3.8within the sector's middle half▲ 15.2%4.5within the sector's middle half▲ 18.4%4.5within the sector's middle half=12.6above the sector's middle half▲ 180%13.9above the sector's middle half▲ 10.3%
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€573,419 ▲ 72.0%
Current assets
€919,758 ▼ 19.0%
Equity and liabilities €1.5m
Equity
€566,123 ▼ 15.0%
Debt
€927,054 ▲ 15.4%
Debt's share of the balance-sheet total rises from 54.7% to 62.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
22.1%▼
2024 · 46.1%
Debt ≤ 1 year
€563,863▲
2024 · €469,189
Debt > 1 year
€355,689▲
2024 · €285,170
Income taxes
€62,172▼
2024 · €116,681
Staff costs
€1.1m▲
2024 · €618,707
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 | - | €239,463 | €252,323 | €618,707 | €1.1m | ▲ 79.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €76,125 | €80,575 | €76,135 | €98,453 | €182,384 | ▲ 85.2% |
| Other operating charges640/8 | - | €1,324 | €4,261 | €8,372 | €25,634 | ▲ 206% |
| Gross operating margin9900 | €374,911 | €443,038 | €484,046 | €1.2m | €1.5m | ▲ 31.4% |
| Operating profit (loss)9901 | €94,385 | €121,675 | €151,326 | €425,002 | €194,609 | ▼ 54.2% |
| Financial income75/76B | - | €68 | €164 | €10,666 | €9,968 | ▼ 6.5% |
| Recurring financial income75 | €50 | €68 | €164 | €10,666 | €9,968 | ▼ 6.5% |
| Financial charges65/66B | - | €2,858 | €1,669 | €11,882 | €17,091 | ▲ 43.8% |
| Recurring financial charges65 | €5,045 | €2,858 | €1,669 | €11,882 | €17,091 | ▲ 43.8% |
| Profit (loss) for the period before taxes9903 | €89,391 | €118,884 | €149,821 | €423,787 | €187,486 | ▼ 55.8% |
| Income taxes67/77 | €20,472 | €25,724 | €28,937 | €116,681 | €62,172 | ▼ 46.7% |
| Profit (loss) for the period9904 | €68,918 | €93,160 | €120,884 | €307,106 | €125,314 | ▼ 59.2% |
| Profit (loss) for the period to be appropriated9905 | €68,918 | €93,160 | €120,884 | €307,106 | €125,314 | ▼ 59.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €432,453 | €434,453 | €480,161 | €1.5m | €1.5m | ▲ 1.6% |
| Fixed assets21/28 | €186,258 | €138,893 | €48,354 | €333,444 | €573,419 | ▲ 72.0% |
| Intangible fixed assets21 | €43,748 | €22,793 | €2,176 | €153,264 | €435,926 | ▲ 184% |
| Tangible fixed assets22/27 | €141,463 | €114,232 | €44,310 | €177,948 | €135,625 | ▼ 23.8% |
| Land and buildings22 | - | €3,400 | €3,240 | €3,080 | €2,920 | ▼ 5.2% |
| Plant, machinery and equipment23 | - | €1,005 | €0 | - | €14,644 | - |
| Furniture and vehicles24 | - | €31,518 | €8,324 | €148,351 | €102,239 | ▼ 31.1% |
| Other tangible fixed assets26 | - | €78,308 | €32,746 | €26,517 | €15,822 | ▼ 40.3% |
| Financial fixed assets28 | €1,047 | €1,868 | €1,868 | €2,231 | €1,868 | ▼ 16.3% |
| Current assets29/58 | €246,195 | €295,561 | €431,807 | €1.1m | €919,758 | ▼ 19.0% |
| Amounts receivable within one year40/41 | €4,572 | €6,037 | €8,866 | €117,429 | €91,306 | ▼ 22.2% |
| Trade receivables40 | - | - | €1,309 | €101,949 | €14,027 | ▼ 86.2% |
| Other amounts receivable41 | - | €6,037 | €7,558 | €15,480 | €77,279 | ▲ 399% |
| Current investments50/53 | - | - | €200,000 | €100,000 | - | - |
| Cash at bank and in hand54/58 | €174,407 | €232,583 | €154,631 | €815,041 | €734,481 | ▼ 9.9% |
| Deferred charges and accrued income490/1 | - | €56,940 | €68,310 | €103,515 | €93,971 | ▼ 9.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €432,453 | €434,453 | €480,161 | €1.5m | €1.5m | ▲ 1.6% |
| Equity10/15 | €223,957 | €287,117 | €218,001 | €665,808 | €566,123 | ▼ 15.0% |
| Contributions10/11 | - | €195,400 | €195,400 | €132,434 | €132,434 | = |
| Reserves13 | €28,557 | €91,717 | €22,601 | €533,375 | €433,689 | ▼ 18.7% |
| Non-distributable reserves130/1 | - | €19,540 | €19,540 | - | - | - |
| Reserves not available under the articles1311 | - | €19,540 | €19,540 | - | - | - |
| Distributable reserves133 | - | €72,177 | €3,061 | €533,375 | €433,689 | ▼ 18.7% |
| Amounts payable17/49 | €208,495 | €147,336 | €262,160 | €803,620 | €927,054 | ▲ 15.4% |
| Amounts payable after more than one year17 | €49,383 | €14,085 | - | €285,170 | €355,689 | ▲ 24.7% |
| Financial debts170/4 | - | €14,085 | - | €285,170 | €355,689 | ▲ 24.7% |
| Amounts payable within one year42/48 | €155,059 | €128,865 | €257,447 | €469,189 | €563,863 | ▲ 20.2% |
| Current portion of amounts payable after more than one year42 | - | €47,181 | €11,104 | €86,641 | €129,481 | ▲ 49.4% |
| Financial debts43 | - | - | €1,512 | €69,480 | - | - |
| Credit institutions430/8 | - | - | €1,512 | €69,480 | - | - |
| Trade debts44 | €29,054 | €20,782 | €26,378 | €233,708 | €119,281 | ▼ 49.0% |
| Suppliers440/4 | - | €20,782 | €26,378 | €233,708 | €119,281 | ▼ 49.0% |
| Taxes, remuneration and social security45 | - | €30,107 | €26,963 | €78,115 | €89,347 | ▲ 14.4% |
| Taxes450/3 | - | €8,077 | €5,937 | - | - | - |
| Remuneration and social security454/9 | - | €22,030 | €21,026 | €78,115 | €89,347 | ▲ 14.4% |
| Other amounts payable47/48 | - | €30,796 | €191,490 | €1,246 | €225,754 | ▲ 18,025% |
| Accrued charges and deferred income492/3 | - | €4,386 | €4,713 | €49,260 | €7,502 | ▼ 84.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,918 | €93,160 | €120,884 | €307,106 | €125,314 | ▼ 59.2% |
| + Depreciation and write-downs630 | €76,125 | €80,575 | €76,135 | €98,453 | €182,384 | ▲ 85.2% |
| Operating cash flow (approximation) | €145,043 | €173,735 | €197,019 | €405,559 | €307,698 | ▼ 24.1% |
| Investment in fixed assets (approximation) | - | -€33,210 | €14,403 | -€383,542 | -€422,359 | ▼ 10.1% |
| Change in cash | - | €58,176 | -€77,952 | €660,411 | -€80,560 | ▼ 112% |
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
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €307,106 ▲154%
Operating result €425,002, net result €307,106, both a record.
30-06
Financial
Equity above €500,000Eq €665,808 ▲205%
6 profitable years in a row build equity to €665,808.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Weakest financial yearnet €16,358 ▼53.2%
Net result drops to €16,358, the lowest in the series; recovery starts the following year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
03-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
01-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
25-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 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
12 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, Overijse · 3 establishment units since 1987
Ground area
1.0 ha
Building footprint
770 m²
Volume, LiDAR
3,776 m³
3 parcels, Flanders · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
3 establishment units
Thruvo
since 19872.029.811.211
Kerkplaats 3A, 3080 Tervuren
since 20242.382.109.370
Gemeenteplein 3, 1560 Hoeilaart
since 20242.382.109.271
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543I0300/00K002 | Flanders | 9,428 m² | 1 · 328 m² | - |
| 24023C0200/00E000 | Flanders | 535 m² | 1 · 309 m² | 10.8 m · 3 fl. |
| 23033B0327/00M000 | Flanders | 134 m² | 1 · 134 m² | 15.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersOwners 2
-
49.95%
-
33.33%
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 498 EUR awarded · 396 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 178 EUR | 76 EUR |
| 2023 | 1 | 270 EUR | 270 EUR |
| 2022 | 1 | 50 EUR | 50 EUR |
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 985 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
Founded26-06-1987
Fiscal year end30-06
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431537558
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.