ACTIVE

FINAREVA

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Financial year 2025 · closed on 31/12/2025
Net result
51,4 k €
-9.2% YoY
Gross margin
124,4 k €
+27.1% YoY
Equity
593,9 k €
+2.3% YoY

What does FINAREVA do?

FINAREVA is a Private limited company incorporated in 2010. Its main activity is: Life insurance. Its registered office is in Woluwe-Saint-Pierre.

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0830.181.725
Incorporation
08/10/2010
Legal form
Private limited company
Registered office
Rue René Declercq 59
1150 Woluwe-Saint-Pierre · BruxellesSee on map
Contributed capital
20 000,00 €
Latest accounts
31/12/2025
Activities (NACE)
65112Life insurance· main65112Life insurance64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.65122Non-life insurance65122Non-life insurance+6
Signals
ProfitableSolid equityLow riskPositive cashflowPositive EBITDA
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✦ Verdict · Analyst summary
Financials

Trend over 15 financial years

202520242023202220212020201920182017201620152014201320122011
Income statement
Gross margin124,4 k €97,9 k €143,5 k €89,6 k €108,3 k €56,6 k €76,1 k €55,7 k €80,8 k €48,4 k €126 k €51,9 k €109,4 k €104,7 k €33,9 k €
EBITDA123 k €96,2 k €142,1 k €55,3 k €104,8 k €55,5 k €74,7 k €54,6 k €79,9 k €46,1 k €125,4 k €50,4 k €108,3 k €100,8 k €30,6 k €
Operating result113,5 k €87,9 k €141,3 k €51,9 k €101,6 k €50,3 k €69,6 k €53,6 k €78,4 k €45,2 k €124,8 k €37,5 k €91,5 k €83,3 k €14,5 k €
Net result51,4 k €56,6 k €88,3 k €32 k €69,5 k €31,1 k €38,1 k €25,2 k €47,6 k €25,7 k €85 k €16,4 k €52,7 k €38,3 k €4,9 k €
Balance sheet
Equity593,9 k €580,6 k €524 k €460,9 k €454,5 k €385 k €354 k €315,9 k €290,7 k €243 k €217,4 k €132,3 k €115,9 k €63,3 k €24,9 k €
Total assets1,1 M €1,1 M €840 k €868,7 k €785,3 k €510,4 k €489,4 k €492,3 k €370,6 k €373,5 k €420,3 k €395,4 k €408,3 k €407,4 k €411 k €
Cash20 k €14,3 k €19,1 k €19,5 k €9,6 k €10,2 k €7,9 k €6,7 k €18,1 k €10,9 k €68,3 k €25,9 k €24,3 k €10 k €11,1 k €
Debts513,1 k €529,5 k €316,1 k €407,8 k €330,8 k €125,4 k €135,5 k €176,4 k €79,9 k €130,5 k €202,9 k €263,1 k €292,4 k €344,1 k €385,1 k €
Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€
See the valuation
Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 3 ended

Active mandates

Valérie LUYCKS

Director

Active

Ended mandates

Rémy BALIGANT

Manager · since 05 août 2011

Ended
Valérie LUYCKS

Manager · since 12 octobre 2010

Ended
Valérie LUYCKS

Mandate

Ended
At this address

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0478.381.036
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0878.296.891
Annual accounts

Full financial information

202520242023202220212020
Type of accountMicro modelMicro modelMicro modelMicro modelMicro modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date19/06/202621/06/202525/06/202403/07/202320/06/202227/08/2021
General meeting16/04/202620/06/202521/06/202416/06/202317/06/202218/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

15 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202516/04/202619/06/2026FrenchPDF
Micro model31/12/202420/06/202521/06/2025FrenchPDF
Micro model31/12/202321/06/202425/06/2024FrenchPDF
Micro model31/12/202216/06/202303/07/2023FrenchPDF
Micro model31/12/202117/06/202220/06/2022FrenchPDF
Abridged model31/12/202018/06/202127/08/2021FrenchPDF
Abridged model31/12/201919/06/202025/08/2020FrenchPDF
Abridged model31/12/201821/06/201919/08/2019FrenchPDF
Abridged model31/12/201715/06/201827/07/2018FrenchPDF
Abridged model31/12/201616/06/201724/07/2017FrenchPDF
Abridged model31/12/201517/06/201608/08/2016FrenchPDF
Abridged model31/12/201419/06/201504/08/2015FrenchPDF
Abridged model31/12/201320/06/201412/08/2014FrenchPDF
Abridged model31/12/201221/06/201325/07/2013FrenchPDF
Abridged model31/12/201115/06/201231/08/2012FrenchPDF
Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 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 31/12/2025 · 1 active · 3 ended

Active mandates

Valérie LUYCKS

Director

Active

Ended mandates

Rémy BALIGANT

Manager · since 05 août 2011

Ended
Valérie LUYCKS

Manager · since 12 octobre 2010

Ended
Valérie LUYCKS

Mandate

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Mandates02/01/2024
    MODIFICATION FORME JURIDIQUE - COMPTES ANNUELS - OBJET - DEMISSIONS, NOMINATIONS
    PDF
  • Registered office27/06/2022
    SIEGE SOCIAL
    PDF
  • Mandates05/06/2015
    SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
    PDF
  • Mandates18/08/2011
    OBJET - DEMISSIONS, NOMINATIONS
    PDF
  • Other21/10/2010
    RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
    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

Timeline

  1. 2025
    Annual accounts 202551,4 k €↓
  2. 2024
    Annual accounts 202456,6 k €↓
  3. 2023
    Annual accounts 202388,3 k €↑
  4. 2022
    Annual accounts 202232 k €↓
  5. 2021
    Annual accounts 202169,5 k €↑
  6. 2020
    Annual accounts 202031,1 k €↓
  7. 2019
    Annual accounts 201938,1 k €↑
  8. 2018
    Annual accounts 201825,2 k €↓
  9. 2017
    Annual accounts 201747,6 k €↑
  10. 2016
    Annual accounts 201625,7 k €↓
  11. 2015
    Annual accounts 201585 k €↑
  12. 2014
    Annual accounts 201416,4 k €↓
  13. 2013
    Annual accounts 201352,7 k €↑
  14. 2012
    Annual accounts 201238,3 k €↑
  15. 2011
    Annual accounts 20114,9 k €
  16. 08/10/2010
    IncorporationPrivate limited company