ACTIVE

FINOVER

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Financial year 2025 · closed on 31/12/2025

Net result

238,7 k €

-15.4% YoY

Gross margin

499,4 k €

+13.7% YoY

Equity

111 k €

+8.5% YoY

What does FINOVER do?

FINOVER is a Private limited company incorporated in 2008. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Hasselt.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0896.492.212

Incorporation

17/03/2008

Legal form

Private limited company

Registered office

Eendrachtlaan 33
3500 Hasselt · FlandreSee on map

Contributed capital

6 200,00 €

Latest accounts

31/12/2025

Activities (NACE)

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

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 17 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Income statement
Gross margin	499,4 k €	+13.7%	439,2 k €	+8.5%	404,8 k €	-17.1%	488,2 k €	+18.4%	412,4 k €	-15.3%	486,8 k €	+9.6%	444,1 k €	+2.1%	435,2 k €	-5.4%	460 k €	+81.2%	253,8 k €	-36.4%	398,9 k €	+25.5%	317,9 k €	+4.1%	305,4 k €	-6.3%	325,9 k €	+37.7%	236,8 k €	+17.1%	202,1 k €	+21.2%	166,7 k €
EBITDA	451,7 k €	+14.5%	394,4 k €	+8.4%	363,8 k €	-19.7%	453,3 k €	+21.0%	374,5 k €	-22.1%	480,7 k €	+31.4%	365,8 k €	-6.9%	393,2 k €	-4.5%	411,8 k €	+222%	128,1 k €	-65.1%	366,9 k €	+26.6%	289,8 k €	+4.4%	277,7 k €	-14.0%	322,9 k €	+59.3%	202,7 k €	+0.8%	201,2 k €	+67.8%	119,9 k €
Operating result	256,2 k €	-18.5%	314,5 k €	+68.6%	186,5 k €	-54.6%	411,1 k €	+40.7%	292,2 k €	-26.8%	399,1 k €	+33.5%	299 k €	-0.5%	300,6 k €	-3.0%	309,9 k €	+344%	69,7 k €	-76.0%	291,1 k €	+53.0%	190,2 k €	+7.6%	176,9 k €	-20.9%	223,7 k €	+80.5%	123,9 k €	-5.8%	131,6 k €	+4949%	2,6 k €
Net result	238,7 k €	-15.4%	282,1 k €	+63.6%	172,4 k €	-57.6%	406,4 k €	+43.7%	282,8 k €	-28.0%	392,8 k €	+34.0%	293,2 k €	+1.8%	287,9 k €	-4.1%	300,1 k €	+434%	56,2 k €	-71.0%	193,5 k €	+194%	65,9 k €	-59.4%	162,1 k €	-18.8%	199,8 k €	+97.1%	101,4 k €	-10.4%	113,1 k €	+583%	-23,4 k €
Balance sheet
Equity	111 k €	+8.5%	102,4 k €	+20.0%	85,3 k €	+9.5%	77,9 k €	+9.0%	71,5 k €	+12.3%	63,7 k €	+25.2%	50,9 k €	+6.7%	47,7 k €	+37.2%	34,7 k €	+0.3%	34,7 k €	+3.5%	33,5 k €	+11.5%	30 k €	+112%	14,1 k €	+17.8%	12 k €	+29.9%	9,2 k €	+17.2%	7,9 k €	+146%	-17,2 k €
Total assets	535,9 k €	-7.0%	576,1 k €	-18.5%	706,7 k €	-3.6%	733,2 k €	+1.5%	722,1 k €	-3.7%	749,6 k €	-5.4%	792,2 k €	+16.5%	679,9 k €	-24.2%	896,9 k €	+99.2%	450,2 k €	-21.9%	576,2 k €	-9.2%	634,9 k €	+10.5%	574,5 k €	-2.6%	589,9 k €	-0.5%	593 k €	+4.8%	565,7 k €	+16.4%	486,1 k €
Cash	9,6 k €	-38.0%	15,6 k €	+87.1%	8,3 k €	+47.9%	5,6 k €	-90.2%	57,7 k €	+16.1%	49,7 k €		–		100,5 k €	+34.2%	74,9 k €	+3534%	2,1 k €	-55.0%	4,6 k €	-88.9%	41,2 k €	-60.1%	103,2 k €	+19.4%	86,4 k €	+64.5%	52,6 k €	-66.2%	155,3 k €	+2355%	6,3 k €
Debts	420,4 k €	-11.0%	472,1 k €	-23.6%	618,2 k €	-4.9%	649,9 k €	+0.9%	643,9 k €	-6.0%	685 k €	-7.3%	739 k €	+17.1%	631,2 k €	-26.4%	857,4 k €	+108%	413 k €	-23.6%	540,3 k €	+19.8%	450,9 k €	-14.1%	525 k €	-3.1%	542 k €	-0.8%	546,3 k €	+2.3%	534,2 k €	+11.0%	481,4 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		0,8 ETP	-20.0%	1,0 ETP		–		0,2 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 · 2 active · 4 ended

Active mandates

Victor Kenens

Director · since 19 décembre 2023

Active

K&P CONSULT

Director · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Active

Ended mandates

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

Kris Kenens

Manager · since 12 mars 2008

Ended

At this address

Other companies at this address

Company	CBE no.
BTW EENHEID " FINOVER-K&P"● Active	0678.565.478

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro 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	31/07/2026	23/09/2025	05/11/2024	24/10/2023	24/10/2023	28/10/2021
General meeting	10/06/2026	10/06/2025	10/06/2024	10/06/2023	10/06/2022	10/06/2021
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

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Filings

Annual accounts filings

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	10/06/2026	31/07/2026	Dutch	PDF
Micro model	31/12/2024	10/06/2025	23/09/2025	Dutch	PDF
Micro model	31/12/2023	10/06/2024	05/11/2024	Dutch	PDF
Micro modelCorrection	31/12/2022	10/06/2023	24/10/2023	Dutch	PDF
Micro model	31/12/2022	10/06/2023	09/10/2023	Dutch	PDF
Micro modelCorrection	31/12/2021	10/06/2022	24/10/2023	Dutch	PDF
Micro model	31/12/2021	10/06/2022	11/10/2022	Dutch	PDF
Micro model	31/12/2020	10/06/2021	28/10/2021	Dutch	PDF
Micro model	31/12/2019	10/06/2020	30/11/2020	Dutch	PDF
Micro model	31/12/2018	09/10/2019	10/10/2019	Dutch	PDF
Micro model	31/12/2017	11/06/2018	30/09/2018	Dutch	PDF
Micro model	31/12/2016	10/06/2017	31/08/2017	Dutch	PDF
Abridged model	31/12/2015	30/03/2016	31/08/2016	Dutch	PDF
Abridged model	31/12/2014	10/06/2015	31/08/2015	Dutch	PDF
Abridged model	31/12/2013	10/06/2014	30/09/2014	Dutch	PDF
Abridged model	31/12/2012	10/06/2013	30/08/2013	Dutch	PDF
Abridged model	31/12/2011	11/06/2012	31/08/2012	Dutch	PDF
Abridged model	31/12/2010	10/06/2011	14/07/2011	Dutch	PDF
Abridged model	31/12/2009	10/06/2010	31/08/2010	Dutch	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 · 2 active · 4 ended

Active mandates

Victor Kenens

Director · since 19 décembre 2023

Active

K&P CONSULT

Director · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Active

Ended mandates

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

K&P CONSULT

Manager · since 16 décembre 2010 · 0831.934.851

Represented by Kris Kenens

Ended

Kris Kenens

Manager · since 12 mars 2008

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates15/01/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN
PDF
Mandates28/06/2022
ONTSLAGEN - BENOEMINGEN
PDF
Mandates11/12/2020
ONTSLAGEN - BENOEMINGEN
PDF
Mandates01/02/2011
ONTSLAGEN - BENOEMINGEN
PDF
Other28/03/2008
RUBRIEK OPRICHTING (NIEUWE RECHTSPERSOON, OPENING BIJKANTOOR, ENZ...)
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 2025238,7 k €↓
2024
Annual accounts 2024282,1 k €↑
2023
Annual accounts 2023172,4 k €↓
2022
Annual accounts 2022406,4 k €↑
2021
Annual accounts 2021282,8 k €↓
2020
Annual accounts 2020392,8 k €↑
2019
Annual accounts 2019293,2 k €↑
2018
Annual accounts 2018287,9 k €↓
2017
Annual accounts 2017300,1 k €↑
2016
Annual accounts 201656,2 k €↓
2015
Annual accounts 2015193,5 k €↑
2014
Annual accounts 201465,9 k €↓
2013
Annual accounts 2013162,1 k €↓
2012
Annual accounts 2012199,8 k €↑
2011
Annual accounts 2011101,4 k €↓
2010
Annual accounts 2010113,1 k €↑
2009
Annual accounts 2009-23,4 k €
17/03/2008
IncorporationPrivate 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

FINOVER

Overview

What does FINOVER do?

Trend over 17 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