ACTIVE

SOLVAS RISK

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Financial year 2024 · closed on 31/12/2024

Net result

12,3 k €

-80.4% YoY

Gross margin

1,7 M €

-19.0% YoY

Equity

628,9 k €

+2.0% YoY

Workforce

17,5 ETP

-27.7% YoY

What does SOLVAS RISK do?

SOLVAS RISK is a Public limited company incorporated in 1989. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Lievegem. It employs on average 17,5 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0437.928.769

Incorporation

22/06/1989

Legal form

Public limited company

Registered office

Zomerlaan 1
9930 Lievegem · FlandreSee on map

Contributed capital

186 274,73 €

Latest accounts

31/12/2024

Average workforce

17,5 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 18 financial years

	2024		2023		2022		2021		2020		2019		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,7 M €	-19.0%	2,1 M €	+66.2%	1,3 M €	+62.3%	784 k €	-19.5%	974,3 k €	+25.7%	774,8 k €	+1156%	61,7 k €	-6.4%	65,9 k €	-31.7%	96,5 k €	-11.2%	108,7 k €	-17.9%	132,4 k €	+1.6%	130,4 k €	+29.2%	100,9 k €	+12.3%	89,9 k €	-11.6%	101,7 k €	+18.6%	85,8 k €	-14.2%	100 k €	+77.3%	56,4 k €
EBITDA	521 k €	-10.3%	580,6 k €	+163%	221 k €	+13.5%	194,7 k €	-16.6%	233,6 k €	+351%	51,8 k €	+1074%	4,4 k €	-62.8%	11,9 k €	-41.1%	20,1 k €	-51.3%	41,3 k €	-56.5%	94,9 k €	+0.7%	94,2 k €	+48.0%	63,7 k €	+16.7%	54,5 k €	-16.9%	65,6 k €	+20.6%	54,4 k €	-23.2%	70,8 k €	+162%	27,1 k €
Operating result	107,9 k €	-36.8%	170,6 k €	+459%	30,5 k €	-83.3%	182,7 k €	-16.6%	219,1 k €	+588%	31,8 k €	+4094%	759,3 €	-90.8%	8,3 k €	-49.2%	16,3 k €	-59.5%	40,2 k €	-57.2%	93,9 k €	+2.0%	92,1 k €	+49.5%	61,6 k €	+16.8%	52,7 k €	-13.1%	60,7 k €	+22.3%	49,6 k €	-25.1%	66,3 k €	+187%	23,1 k €
Net result	12,3 k €	-80.4%	62,9 k €	+1323%	4,4 k €	-97.0%	145,7 k €	-20.3%	182,9 k €	+9987%	1,8 k €	+366%	388,9 €	-96.4%	10,9 k €	-61.7%	28,3 k €	-58.2%	67,8 k €	-3.0%	70 k €	-17.7%	85 k €	+71.6%	49,6 k €	+11.8%	44,3 k €	-11.9%	50,4 k €	+26.7%	39,7 k €	-27.1%	54,5 k €	+76.0%	31 k €
Balance sheet
Equity	628,9 k €	+2.0%	616,5 k €	+62.3%	379,9 k €	+1.2%	375,5 k €	+63.4%	229,8 k €	+11.1%	206,9 k €	+200%	68,9 k €	-90.1%	693,5 k €	+1.6%	682,7 k €	+4.3%	654,3 k €	+11.6%	586,5 k €	+13.5%	516,5 k €	+19.7%	431,5 k €	+13.0%	381,9 k €	+13.1%	337,6 k €	+17.5%	287,2 k €	+16.1%	247,5 k €	+28.2%	193 k €
Total assets	5,8 M €	+19.0%	4,9 M €	+3.0%	4,8 M €	+151%	1,9 M €	-9.2%	2,1 M €	+38.7%	1,5 M €	+111%	711,8 k €	-0.3%	714,1 k €	-5.8%	758,1 k €	+11.7%	678,5 k €	+15.6%	587 k €	+12.9%	519,7 k €	+19.7%	434,3 k €	+12.8%	385,1 k €	+13.0%	340,8 k €	+18.1%	288,6 k €	+16.1%	248,5 k €	+27.1%	195,5 k €
Cash	142,3 k €	-62.3%	377,4 k €	+28.0%	294,8 k €	-55.2%	657,9 k €	+1401%	43,8 k €	+99.8%	21,9 k €	-31.5%	32 k €	+150%	12,8 k €	-22.6%	16,6 k €	-55.1%	36,9 k €	-86.0%	263,7 k €	+33.0%	198,2 k €	+6.3%	186,5 k €	-12.5%	213,2 k €	+23.5%	172,6 k €	+42.1%	121,5 k €	+24.5%	97,6 k €	+22.4%	79,7 k €
Debts	5,1 M €	+21.0%	4,2 M €	-1.7%	4,3 M €	+221%	1,3 M €	-22.4%	1,7 M €	+43.0%	1,2 M €	+87.1%	642,9 k €	+3027%	20,6 k €	+7.3%	19,2 k €	-0.8%	19,3 k €	+3883%	485 €	-84.8%	3,2 k €	+11.3%	2,9 k €	-8.8%	3,2 k €	-3.9%	3,3 k €	+130%	1,4 k €	+32.9%	1,1 k €	-58.1%	2,6 k €
Other
Workforce	17,5 ETP	-27.7%	24,2 ETP	+42.4%	17,0 ETP	+57.4%	10,8 ETP	-17.6%	13,1 ETP	+89.9%	6,9 ETP	+590%	1,0 ETP	-28.6%	1,4 ETP	-30.0%	2,0 ETP	+11.1%	1,8 ETP	+80.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 17 ended

Active mandates

SOLVAS

Director · since 22 novembre 2023 · until 27 juin 2029 · 0828.146.606

Represented by Dominique Willems

Active

Ended mandates

ASK OOST

Director · since 13 juillet 2018 · until 13 juillet 2024 · 0670.990.966

Represented by Patrick Oostvogels

Ended

SOLVAS

Director · since 13 juillet 2018 · until 13 juillet 2024 · 0828.146.606

Represented by Dominique Willems

Ended

Dominique Willems

Director · since 31 mars 2014 · until 31 mars 2020

Ended

Dominique WILLEMS

Administrator - manager · since 31 mars 2014 · until 31 mars 2020

Ended

At this address

Other companies at this address

Company	CBE no.
Advocatenkantoor Van Hulle Stijn● Active	0766.303.463
Connect● Active	0765.455.902
CONNECT INSUR● Active	1020.606.086
CONSEA IMMO● Active	0441.178.170
Groep Connect● Active	0767.472.908
GROEP SOLVAS● Active	0690.658.212
IMMO-WILLEMS● Active	0450.372.483
InsurIT● Active	1008.443.474
SOLVAS● Active	0828.146.606
SOLVAS CONSULTANCY● Active	0681.387.782
SOLVAS FINANCE● Active	0430.267.848
Solvas Life● Active	0542.999.070
SOLVAS REAL ESTATE● Active	0741.615.379

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	15/09/2025	16/07/2024	14/07/2023	26/08/2022	20/10/2021	26/09/2020
General meeting	08/09/2025	21/06/2024	04/07/2023	23/08/2022	05/10/2021	15/09/2020
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

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Filings

Annual accounts filings

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	08/09/2025	15/09/2025	Dutch	PDF
Abridged model	31/12/2023	21/06/2024	16/07/2024	Dutch	PDF
Abridged model	31/12/2022	04/07/2023	14/07/2023	Dutch	PDF
Abridged model	31/12/2021	23/08/2022	26/08/2022	Dutch	PDF
Abridged model	31/12/2020	05/10/2021	20/10/2021	Dutch	PDF
Abridged model	31/12/2019	15/09/2020	26/09/2020	Dutch	PDF
Abridged model	31/12/2018	27/08/2019	30/08/2019	Dutch	PDF
Abridged model	31/12/2017	05/09/2018	24/09/2018	Dutch	PDF
Abridged model	31/12/2016	15/09/2017	15/09/2017	Dutch	PDF
Abridged model	31/12/2015	30/06/2016	03/10/2016	Dutch	PDF
Abridged model	31/12/2014	30/06/2015	29/09/2015	Dutch	PDF
Abridged model	31/12/2013	30/06/2014	15/07/2014	Dutch	PDF
Abridged model	31/12/2012	26/06/2013	17/07/2013	Dutch	PDF
Abridged model	31/12/2011	30/06/2012	24/07/2012	Dutch	PDF
Abridged model	31/12/2010	30/06/2011	28/07/2011	Dutch	PDF
Abridged model	31/12/2009	30/06/2010	26/07/2010	Dutch	PDF
Abridged model	31/12/2008	30/06/2009	25/07/2009	Dutch	PDF
Abridged model	31/12/2007	25/06/2008	24/07/2008	Dutch	PDF
Abridged model	31/12/2006	30/06/2007	31/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 k€

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 31/12/2024 · 1 active · 17 ended

Active mandates

SOLVAS

Director · since 22 novembre 2023 · until 27 juin 2029 · 0828.146.606

Represented by Dominique Willems

Active

Ended mandates

ASK OOST

Director · since 13 juillet 2018 · until 13 juillet 2024 · 0670.990.966

Represented by Patrick Oostvogels

Ended

SOLVAS

Director · since 13 juillet 2018 · until 13 juillet 2024 · 0828.146.606

Represented by Dominique Willems

Ended

Dominique Willems

Director · since 31 mars 2014 · until 31 mars 2020

Ended

Dominique WILLEMS

Administrator - manager · since 31 mars 2014 · until 31 mars 2020

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates08/05/2024
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring14/12/2023
MAATSCHAPPELIJKE ZETEL - DOEL - KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring04/09/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...) - DIVERSEN
PDF
Restructuring07/01/2019
KAPITAAL - AANDELEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring29/10/2018
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring30/07/2018
BENAMING - ONTSLAGEN - BENOEMINGEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring31/05/2018
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Registered office12/04/2016
MAATSCHAPPELIJKE ZETEL
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

2024
Annual accounts 202412,3 k €↓
2023
Annual accounts 202362,9 k €↑
2022
Annual accounts 20224,4 k €↓
2021
Annual accounts 2021145,7 k €↓
2020
Annual accounts 2020182,9 k €↑
2019
Annual accounts 20191,8 k €↑
2017
Annual accounts 2017388,9 €↓
2016
Annual accounts 201610,9 k €↓
2015
Annual accounts 201528,3 k €↓
2014
Annual accounts 201467,8 k €↓
2013
Annual accounts 201370 k €↓
2012
Annual accounts 201285 k €↑
2011
Annual accounts 201149,6 k €↑
2010
Annual accounts 201044,3 k €↓
2009
Annual accounts 200950,4 k €↑
2008
Annual accounts 200839,7 k €↓
2007
Annual accounts 200754,5 k €↑
2006
Annual accounts 200631 k €
22/06/1989
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

SOLVAS RISK

Overview

What does SOLVAS RISK do?

Trend over 18 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