Summary
Vyva 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 €3.0m and a net result of €529,977. Equity is growing by ~10.4% 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.
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 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
31 d early
2023
14 d early
2022
14 d early
2021
26 d early
2020
25 d early
2019
11 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 25 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 5 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€3.0m▼ 7.1%
2023 · €3.2m
Net result
€529,977▲ 6.4%
2023 · €498,142
Total assets
€3.6m▲ 7.5%
2023 · €3.4m
Solvency
81.9%▼ 12.8pp
2023 · 94.7%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€554,274▼ 18.8%€1.1m▲ 102%€660,978▼ 40.9%€722,661▲ 9.3%€760,790▲ 5.3%
Net result€361,246above the sector's middle half▼ 12.8%€752,201above the sector's middle half▲ 108%€448,310above the sector's middle half▼ 40.4%€498,142above the sector's middle half▲ 11.1%€529,977above the sector's middle half▲ 6.4%
Equity€2.1mabove the sector's middle half▼ 2.3%€2.8mabove the sector's middle half▲ 35.9%€2.9mabove the sector's middle half▲ 1.8%€3.2mabove the sector's middle half▲ 10.4%€3.0mabove the sector's middle half▼ 7.1%
Total assets€3.5mabove the sector's middle half▼ 0.1%€3.0mabove the sector's middle half▼ 12.5%€3.0mabove the sector's middle half▼ 1.8%€3.4mabove the sector's middle half▲ 13.0%€3.6mabove the sector's middle half▲ 7.5%
Debt€1.4m▲ 3.3%€198,496▼ 85.7%€90,159▼ 54.6%€177,492▲ 96.9%€657,178▲ 270%
Working capital-€295,190below the sector's middle half€309,009within the sector's middle half€366,165above the sector's middle half▲ 18.5%€589,895above the sector's middle half▲ 61.1%€392,927within the sector's middle half▼ 33.4%
Solvency60.2%within the sector's middle half▼ 1.3pp93.5%above the sector's middle half▲ 33.3pp97.0%above the sector's middle half▲ 3.5pp94.7%above the sector's middle half▼ 2.2pp81.9%above the sector's middle half▼ 12.8pp
Current ratio0.70below the sector's middle half▼ 0.312.56within the sector's middle half▲ 1.855.06above the sector's middle half▲ 2.504.32above the sector's middle half▼ 0.741.60within the sector's middle half▼ 2.72
Return on assets (ROA)10.4%within the sector's middle half▼ 1.5pp24.7%above the sector's middle half▲ 14.3pp15.0%within the sector's middle half▼ 9.7pp14.8%within the sector's middle half▼ 0.3pp14.6%within the sector's middle half▼ 0.2pp
Staff (FTE)0below the sector's middle half0below the sector's middle half
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
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 5% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.6m
Fixed assets
€2.6m ▼ 1.0%
Current assets
€1.0m ▲ 36.4%
Equity and liabilities €3.6m
Equity
€3.0m ▼ 7.1%
Debt
€657,178 ▲ 270%
Debt's share of the balance-sheet total rises from 5.3% to 18.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
17.8%▲
2023 · 15.6%
Debt ≤ 1 year
€653,945▲
2023 · €177,492
Income taxes
€259,104▲
2023 · €234,457
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €213,927 | €0 | €24,000 | €60,090 | ▲ 150% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,525 | €19,970 | €8,160 | €17,802 | €25,827 | ▲ 45.1% |
| Other operating charges640/8 | - | €4,321 | €2,609 | €1,046 | €5,478 | ▲ 424% |
| Gross operating margin9900 | €601,108 | €1.1m | €671,747 | €741,509 | €792,095 | ▲ 6.8% |
| Operating profit (loss)9901 | €554,274 | €1.1m | €660,978 | €722,661 | €760,790 | ▲ 5.3% |
| Financial income75/76B | - | €3,537 | €1,790 | €10,000 | €32,355 | ▲ 224% |
| Recurring financial income75 | €333 | €3,537 | €1,790 | €10,000 | €32,355 | ▲ 224% |
| Financial charges65/66B | - | €3,463 | €609 | €62 | €4,064 | ▲ 6,421% |
| Recurring financial charges65 | €19,802 | €3,463 | €609 | €62 | €4,064 | ▲ 6,421% |
| Profit (loss) for the period before taxes9903 | €534,805 | €1.1m | €662,160 | €732,599 | €789,080 | ▲ 7.7% |
| Income taxes67/77 | €173,559 | €367,132 | €213,850 | €234,457 | €259,104 | ▲ 10.5% |
| Profit (loss) for the period9904 | €361,246 | €752,201 | €448,310 | €498,142 | €529,977 | ▲ 6.4% |
| Profit (loss) for the period to be appropriated9905 | €361,246 | €752,201 | €448,310 | €498,142 | €529,977 | ▲ 6.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.5m | €3.0m | €3.0m | €3.4m | €3.6m | ▲ 7.5% |
| Fixed assets21/28 | €2.8m | €2.5m | €2.5m | €2.6m | €2.6m | ▼ 1.0% |
| Tangible fixed assets22/27 | €434,926 | €193,301 | €188,341 | €266,019 | €240,192 | ▼ 9.7% |
| Land and buildings22 | - | €190,602 | €184,511 | €178,420 | €172,329 | ▼ 3.4% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €2,699 | €3,830 | €87,599 | €67,863 | ▼ 22.5% |
| Financial fixed assets28 | €2.3m | €2.3m | €2.3m | €2.3m | €2.3m | = |
| Current assets29/58 | €700,985 | €507,505 | €456,324 | €767,387 | €1.0m | ▲ 36.4% |
| Amounts receivable after more than one year29 | - | - | - | - | €400,005 | - |
| Other amounts receivable291 | - | - | - | - | €400,005 | - |
| Amounts receivable within one year40/41 | €90,017 | €112,709 | €250,000 | €250,000 | €10,271 | ▼ 95.9% |
| Trade receivables40 | - | €0 | - | - | - | - |
| Other amounts receivable41 | - | €112,709 | €250,000 | €250,000 | €10,271 | ▼ 95.9% |
| Current investments50/53 | - | - | €4 | €250,036 | €350,031 | ▲ 40.0% |
| Cash at bank and in hand54/58 | €605,800 | €394,796 | €203,938 | €261,714 | €279,722 | ▲ 6.9% |
| Deferred charges and accrued income490/1 | - | €0 | €2,382 | €5,637 | €6,843 | ▲ 21.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.5m | €3.0m | €3.0m | €3.4m | €3.6m | ▲ 7.5% |
| Equity10/15 | €2.1m | €2.8m | €2.9m | €3.2m | €3.0m | ▼ 7.1% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €2.1m | €2.8m | €2.9m | €3.2m | €3.0m | ▼ 7.1% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Tax-exempt reserves132 | - | €83,867 | €83,867 | €83,867 | €83,867 | = |
| Distributable reserves133 | - | €2.7m | €2.8m | €3.1m | €2.9m | ▼ 7.3% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €1.4m | €198,496 | €90,159 | €177,492 | €657,178 | ▲ 270% |
| Amounts payable after more than one year17 | €389,627 | €0 | - | - | - | - |
| Financial debts170/4 | - | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €996,175 | €198,496 | €90,159 | €177,492 | €653,945 | ▲ 268% |
| Current portion of amounts payable after more than one year42 | - | €4,128 | €0 | - | - | - |
| Financial debts43 | - | €0 | - | - | - | - |
| Credit institutions430/8 | - | €0 | - | - | - | - |
| Trade debts44 | €2,485 | €4,598 | €5,547 | €10,861 | €2,567 | ▼ 76.4% |
| Suppliers440/4 | - | €4,598 | €5,547 | €10,861 | €2,567 | ▼ 76.4% |
| Taxes, remuneration and social security45 | - | €189,771 | €63,735 | €84,457 | €180,200 | ▲ 113% |
| Taxes450/3 | - | €189,771 | €63,735 | €84,457 | €180,200 | ▲ 113% |
| Other amounts payable47/48 | - | €0 | €20,877 | €82,175 | €471,178 | ▲ 473% |
| Accrued charges and deferred income492/3 | - | - | - | - | €3,233 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €361,246 | €752,201 | €448,310 | €498,142 | €529,977 | ▲ 6.4% |
| + Depreciation and write-downs630 | €43,525 | €19,970 | €8,160 | €17,802 | €25,827 | ▲ 45.1% |
| Operating cash flow (approximation) | €404,771 | €772,171 | €456,470 | €515,943 | €555,804 | ▲ 7.7% |
| Investment in fixed assets (approximation) | - | €221,655 | -€3,200 | -€95,481 | €0 | ▲ 100% |
| Change in cash | - | -€211,004 | -€190,858 | €57,777 | €18,008 | ▼ 68.8% |
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
28-05
State Gazette act
General meeting · Director reappointment
Director resignation
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €752,201 ▲108%
Operating result €1.1m, net result €752,201, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.56
Current ratio from 0.70 to 2.56; short-term debt falls from €996,175 to €198,496.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €2mEq €2.1m ▲11%
2 profitable years in a row build equity to €2.1m.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wortegem-Petegem · 1 establishment unit since 1997
Ground area
3,670 m²
Building footprint
192 m²
Volume, LiDAR
930 m³
Parcel 45055A0976/00F000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VYVA VERZEKERINGEN
since 19972.066.323.593
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055A0976/00F000 | Flanders | 3,670 m² | 1 · 192 m² | 8.5 m · 2 fl. |
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
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
31.37%
According to the 2024 annual accounts of Vyva and those 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
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Identification & contact
Identification
Legal formPrivate limited company
Founded17-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448981524
Also
9925:BE0448981524
Registered
02-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.