ACTIVE

Naveau

Export PDF

Financial year 2025 · closed on 31/12/2025

Net result

127,8 k €

+429.3% YoY

Revenue

3,2 M €

+52.4% YoY

Equity

365,7 k €

+533.7% YoY

Workforce

14,7 ETP

+0.7% YoY

What does Naveau do?

Naveau is a Public limited company incorporated in 1976. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Sivry-Rance. It employs on average 14,7 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0417.149.389

Incorporation

22/12/1976

Legal form

Public limited company

Registered office

Grand Rue 54
6470 Sivry-Rance · WallonieSee on map

Contributed capital

211 400,00 €

Latest accounts

31/12/2025

Average workforce

14,7 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

Available with a Rovalta subscriptionTry for 7 days

Recommended credit limit

✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Revenue	3,2 M €	+52.4%	2,1 M €	+9.8%	1,9 M €		–		–		–		–		–		–		1,3 M €	+5.0%	1,3 M €	+4.0%	1,2 M €	+6.1%	1,2 M €	+5.8%	1,1 M €	+5.4%	1 M €		–		–		–		–
EBITDA	754,5 k €	+124%	337,2 k €	+179%	120,8 k €	-44.4%	217,4 k €	-33.7%	328,1 k €	+9.9%	298,6 k €	+53.5%	194,5 k €	-34.5%	296,8 k €	+3.4%	287 k €	+31.1%	218,8 k €	-3.6%	227 k €	+5.0%	216,2 k €	+39.5%	154,9 k €	-15.5%	183,3 k €	+10.5%	166 k €	-13.2%	191,1 k €	+5.8%	180,7 k €	+0.5%	179,7 k €	-47.9%	344,9 k €
Operating result	469,5 k €	+156%	183,1 k €	+845%	-24,6 k €	-124%	102,5 k €	-47.0%	193,3 k €	+20.1%	160,9 k €	+394%	32,6 k €	-76.3%	137,3 k €	+3.7%	132,4 k €	+79.9%	73,6 k €	-9.0%	80,9 k €	+1000%	-9 k €	-124%	37,4 k €	+118%	17,2 k €	+1537%	-1,2 k €	-105%	22,8 k €	+163%	-35,9 k €	-691%	6,1 k €	-96.8%	192,2 k €
Net result	127,8 k €	+429%	24,1 k €	+113%	-181,8 k €	-406%	-35,9 k €	-182%	43,7 k €	+22.8%	35,6 k €	+284%	-19,4 k €	-135%	55,3 k €	+29.5%	42,7 k €	+2096%	-2,1 k €	+2.7%	-2,2 k €	+96.4%	-60,6 k €	-171%	-22,3 k €	+16.8%	-26,9 k €	+31.8%	-39,4 k €	-414%	-7,7 k €	+81.8%	-42,2 k €	-182%	-15 k €	-114%	104,9 k €
Balance sheet
Equity	365,7 k €	+534%	57,7 k €	+71.9%	33,6 k €	-84.4%	215,4 k €	-14.3%	251,3 k €	+21.1%	207,5 k €	+20.7%	171,9 k €	-10.1%	191,3 k €	+40.6%	136 k €	+1155%	10,8 k €	-16.5%	13 k €	-14.5%	15,2 k €	-80.0%	75,8 k €	-22.8%	98,1 k €	-21.5%	124,9 k €	-24.0%	164,3 k €	-4.5%	172 k €	-19.7%	214,2 k €	-6.5%	229,1 k €
Total assets	3,4 M €	+53.0%	2,3 M €	+32.3%	1,7 M €	+27.1%	1,3 M €	-9.8%	1,5 M €	-12.1%	1,7 M €	+4.6%	1,6 M €	+1.4%	1,6 M €	+1.6%	1,6 M €	+7.1%	1,5 M €	-13.0%	1,7 M €	+0.0%	1,7 M €	+21.6%	1,4 M €	+0.7%	1,4 M €	-6.2%	1,5 M €	-6.3%	1,6 M €	-9.3%	1,7 M €	+29.0%	1,3 M €	+17.8%	1,1 M €
Cash	289,4 k €	-7.3%	312 k €	+147%	126,5 k €	-25.4%	169,5 k €	+11.8%	151,7 k €	+425%	28,9 k €	+18435%	156 €	-99.7%	50,5 k €	+19.2%	42,3 k €	+33.4%	31,7 k €	-34.9%	48,7 k €	+41.5%	34,4 k €	+28.9%	26,7 k €	+65.0%	16,2 k €	-25.2%	21,6 k €	-16.6%	25,9 k €	-78.6%	121,4 k €	+1333%	8,5 k €	-78.8%	40 k €
Debts	3 M €	+38.8%	2,1 M €	+30.9%	1,6 M €	+49.8%	1,1 M €	-9.4%	1,2 M €	-16.2%	1,4 M €	+1.8%	1,4 M €	+4.0%	1,4 M €	+7.1%	1,3 M €	-5.2%	1,3 M €	-16.6%	1,6 M €	+0.3%	1,6 M €	+29.3%	1,2 M €	+2.6%	1,2 M €	-3.9%	1,3 M €	-4.9%	1,3 M €	-10.0%	1,5 M €	+42.6%	1 M €	+28.8%	798,9 k €
Other
Workforce	14,7 ETP	+0.7%	14,6 ETP	+9.0%	13,4 ETP	+6.3%	12,6 ETP	+0.8%	12,5 ETP	-5.3%	13,2 ETP	0.0%	13,2 ETP	-3.6%	13,7 ETP	+3.0%	13,3 ETP	+5.6%	12,6 ETP	+5.0%	12,0 ETP	-7.7%	13,0 ETP	-3.7%	13,5 ETP	+25.0%	10,8 ETP	+12.5%	9,6 ETP	+2.1%	9,4 ETP	-5.1%	9,9 ETP	+7.6%	9,2 ETP	+3.4%	8,9 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 8 active · 35 ended

Active mandates

Bénédicte BLAISE

Director · since 27 juin 2026 · until 27 juin 2032

Active

RANCINVEST

Director · since 27 juin 2026 · until 27 juin 2032 · 0445.515.951

Represented by BLAISE Philippe

Active

Bruno Gelders

Director · since 16 juin 2025 · until 16 juin 2031

Active

Frédéric DELOBELLE

Director · since 01 janvier 2025 · until 13 juin 2031

Active

Marie-Christine NAVEAU

Director · since 10 juin 2023 · until 10 juin 2029

Active

Pierre BLAISE

Director · since 10 juin 2023 · until 10 juin 2029

Active

Bruno LAURENT

Director · since 25 juin 2022 · until 25 juin 2028

Active

Christophe DELOBELLE

Director · since 25 juin 2022 · until 25 juin 2028

Active

Ended mandates

Bénédicte BLAISE

Director · since 30 mai 2020 · until 13 juin 2026

Ended

RANCINVEST

Director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by BLAISE PHILIPPE

Ended

RANCINVEST

Managing director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by Philippe BLAISE

Ended

RANCINVEST

Director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by BLAISE PHILIPPE

Ended

At this address

Other companies at this address

Company	CBE no.
BEPINVEST● Active	0434.641.261
DENAFIN● Active	1016.356.102
GROUPE NAVEAU U.TVA.● Active	0664.990.230
RANCINVEST● Active	0445.515.951

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	20/07/2026	16/09/2025	10/06/2024	26/06/2023	19/07/2022	13/07/2021
General meeting	27/06/2026	09/09/2025	29/05/2024	10/06/2023	25/06/2022	26/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

22 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	27/06/2026	20/07/2026	French	PDF
Abridged modelCorrection	31/12/2024	09/09/2025	16/09/2025	French	PDF
Abridged model	31/12/2024	19/06/2025	26/06/2025	French	PDF
Abridged model	31/12/2023	29/05/2024	10/06/2024	French	PDF
Abridged model	31/12/2022	10/06/2023	26/06/2023	French	PDF
Abridged model	31/12/2021	25/06/2022	19/07/2022	French	PDF
Abridged model	31/12/2020	26/06/2021	13/07/2021	French	PDF
Abridged model	31/12/2019	30/05/2020	09/06/2020	French	PDF
Abridged model	31/12/2018	17/06/2019	21/06/2019	French	PDF
Abridged model	31/12/2017	29/06/2018	10/07/2018	French	PDF
Abridged model	31/12/2016	10/06/2017	20/06/2017	French	PDF
Abridged model	31/12/2015	27/06/2016	30/06/2016	French	PDF
Abridged model	31/12/2014	13/06/2015	01/07/2015	French	PDF
Abridged model	31/12/2013	14/06/2014	16/06/2014	French	PDF
Abridged model	31/12/2012	08/06/2013	10/06/2013	French	PDF
Abridged model	31/12/2011	09/06/2012	11/06/2012	French	PDF
Abridged model	31/12/2010	11/06/2011	14/06/2011	French	PDF
Abridged model	31/12/2009	12/06/2010	13/07/2010	French	PDF
Abridged modelCorrection	31/12/2008	20/08/2009	26/08/2009	French	PDF
Abridged model	31/12/2008	20/06/2009	17/07/2009	French	PDF
Abridged model	31/12/2007	14/06/2008	04/07/2008	French	PDF
Abridged model	31/12/2006	09/06/2007	12/07/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 8 active · 35 ended

Active mandates

Bénédicte BLAISE

Director · since 27 juin 2026 · until 27 juin 2032

Active

RANCINVEST

Director · since 27 juin 2026 · until 27 juin 2032 · 0445.515.951

Represented by BLAISE Philippe

Active

Bruno Gelders

Director · since 16 juin 2025 · until 16 juin 2031

Active

Frédéric DELOBELLE

Director · since 01 janvier 2025 · until 13 juin 2031

Active

Marie-Christine NAVEAU

Director · since 10 juin 2023 · until 10 juin 2029

Active

Pierre BLAISE

Director · since 10 juin 2023 · until 10 juin 2029

Active

Bruno LAURENT

Director · since 25 juin 2022 · until 25 juin 2028

Active

Christophe DELOBELLE

Director · since 25 juin 2022 · until 25 juin 2028

Active

Ended mandates

Bénédicte BLAISE

Director · since 30 mai 2020 · until 13 juin 2026

Ended

RANCINVEST

Director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by BLAISE PHILIPPE

Ended

RANCINVEST

Managing director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by Philippe BLAISE

Ended

RANCINVEST

Director · since 30 mai 2020 · until 13 juin 2026 · 0445.515.951

Represented by BLAISE PHILIPPE

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates26/08/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates14/07/2025
DEMISSIONS, NOMINATIONS
PDF
Restructuring20/03/2025
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring10/12/2024
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates30/06/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates12/08/2022
ONTSLAGEN - BENOEMINGEN
PDF
Registered office14/04/2021
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - SIEGE SOCIAL
PDF
Mandates23/06/2020
DEMISSIONS, NOMINATIONS
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025127,8 k €↑
2024
Annual accounts 202424,1 k €↑
2023
Annual accounts 2023-181,8 k €↓
2022
Annual accounts 2022-35,9 k €↓
2021
Annual accounts 202143,7 k €↑
2020
Annual accounts 202035,6 k €↑
2019
Annual accounts 2019-19,4 k €↓
2018
Annual accounts 201855,3 k €↑
2017
Annual accounts 201742,7 k €↑
2015
Annual accounts 2015-2,1 k €↑
2014
Annual accounts 2014-2,2 k €↑
2013
Annual accounts 2013-60,6 k €↓
2012
Annual accounts 2012-22,3 k €↑
2011
Annual accounts 2011-26,9 k €↑
2010
Annual accounts 2010-39,4 k €↓
2009
Annual accounts 2009-7,7 k €↑
2008
Annual accounts 2008-42,2 k €↓
2007
Annual accounts 2007-15 k €↓
2006
Annual accounts 2006104,9 k €
22/12/1976
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Naveau

Overview

What does Naveau do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline