Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
70 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
KBC Group from Sint-Jans-Molenbeek, company number BE0403227515, closed financial year 2025 with a result of € 848.6 million after tax. For that financial year KBC Group recorded revenue of € 107.5 million and equity of € 15.3 billion. Compared with financial year 2024, the result moved from € 2.2 billion to € 848.6 million. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 21, 2026.
€ 15.3 billion
▼ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 848.6 million
▼ 62% vs 2024
Profit after tax over the fiscal year.
€ 33.4 million
▼ 69% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 2 billion paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
633.9
▼ 7.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 85.2 million
▲ 1% vs 2024
€ 134,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 22.4 billion
▲ 7% vs 2024
€ 3.5 billion is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 1.5 million
▲ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 11 days on average.
€ 17.1 million
▲ 4% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Revenue | € 100,175,418 | € 106,212,689 | € 107,454,620 | ▲ 1% |
| Profit after taxes | € 2,301,616,363 | € 2,243,785,225 | € 848,634,663 | ▼ 62% |
| Equity | € 16,133,035,724 | € 16,470,139,210 | € 15,303,271,746 | ▼ 7% |
| Total debts | € 24,116,545,006 | € 22,645,808,842 | € 24,397,906,921 | ▲ 8% |
| Cash | € 220,369,052 | € 106,077,154 | € 33,368,385 | ▼ 69% |
| Retained profit | € 9,155,914,230 | € 9,479,495,611 | € 8,301,887,206 | ▼ 12% |
| Dividend | € 1,684,872,214 | € 1,917,429,313 | € 2,022,959,364 | ▲ 6% |
| Bank debt | € 22,530,192,537 | € 21,031,102,012 | € 22,406,462,679 | ▲ 7% |
| Balance sheet total | € 40,250,886,167 | € 39,117,446,290 | € 39,702,559,465 | ▲ 1% |
| Employees (FTE) | 639.6 | 641.1 | 633.9 | ▼ 7.2 |
Key figures of KBC Group, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to KBC Group?
What happened at KBC Group in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bartel PUELINCKX stepped down as director. NBB
- Michiel ALLAERTS stepped down as director. NBB
- Line HESTVIK stepped down as director. NBB
- Kristine BRADEN stepped down as director. NBB
- Johan THIJS stepped down as director. NBB
- Liesbet OKKERSE stepped down as director. NBB
- Diana RADL ROGEROVA stepped down as director. NBB
- Erik CLINCK stepped down as director. NBB
In short
From € 2.3 billion profit in 2023 to € 848.6 million profit in 2025.
Paid € 5.5 million in corporate taxes since 2023.
Best year ever: 2023, with € 2.3 billion profit.
Paid out € 5.6 billion in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The shares are held by KBC Ancora NV (18.6%), MRBB CVBA (12.4%), p.a. Philippe Vlerick andere vaste aandeelhouders (6.8%), KBC Groep NV (5%), Blackrock Inc. (4.1%) and CERA CV (4%). It owns 100% of KBC BANK, 100% of Discai NV, 100% of KBC Global Services NV, 95.4% of KBC VERZEKERINGEN, 50% of 24+ and 33.3% of Experience@Work itself.
Directors
According to the 2025 annual accounts
Bartel PUELINCKX
Managing director
since 2025 · until 2029
since 2024 · until 2025
since 2023 · until 2027
since 2023 · until 2027
since 2024 · until 2028
since 2025 · until 2029
since 2024 · until 2028
since 2022 · until 2026
since 2022 · until 2026
since 2023 · until 2027
since 2024 · until 2028
since 2024 · until 2028
since 2024 · until 2028
since 2023 · until 2027
since 2023 · until 2027
since 2025 · until 2029
since 2023 · until 2027
since 2025 · until 2029
Philippe VLERICK
Vice-chairman of the board
Also active at: B.M.H., Vlerick Business School, DE ROBAERTBEEK, VLERICK RESEARCH, DW Invest, DW Construct, KBC Global Services, PENTAHOLD
since 2025 · until 2026
Shareholders
18.6%
12.4%
p.a. Philippe Vlerick andere vaste aandeelhouders
6.8%
5%
Blackrock Inc.
4.1%
4%
FMR LLC
3.3%
Participations
100%
100%
95.4%
50%
33.3%
19.1%
Establishments
Establishment units
Physical locations of this company
Havenlaan 2
1080 Sint-Jans-Molenbeek
Gouverneur Verwilghensingel 100
3500 Hasselt
Active since 1 February 1935
Keizerstraat 10
2000 Antwerpen
Active since 24 March 2006
Grote Markt 18
1000 Brussel
Active since 24 March 2006
Brusselsesteenweg 100
3000 Leuven
Active since 24 March 2006
Monseigneur Ladeuzeplein 15
3000 Leuven
Active since 24 March 2006
Geerdegemdries 29
2800 Mechelen
Active since 24 March 2006
Egide Walschaertsstraat 3
2800 Mechelen
Active since 24 March 2006
Ter Reigerie 1
8800 Roeselare
Active since 17 August 2006
Havenlaan 6
1080 Sint-Jans-Molenbeek
Active since 17 August 2006
Professor Van Overstraetenplein 2
3000 Leuven
Active since 19 August 2008
Kortrijksesteenweg 1100
9051 Gent
Active since 28 March 2013
Wetenschapsstraat 23-25
1000 Brussel
Active since 30 April 2015
Delacenseriestraat 1
2018 Antwerpen
Active since 1 January 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 70 companies are registered at this address.
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ALMAFIN REAL ESTATE
€ 1.8 million revenue · 2025
Immolease-Trust
€ 1.1 million revenue · 2025
Pensioenfonds KBC
+65 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0403.227.515
- VAT number
- BE 0403.227.515
- Registered office
- Havenlaan 2, 1080 Sint-Jans-Molenbeek
- Names & denominations
- KBC Group · KBC Groupe · KBC Groep
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 9 February 1935
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
Activiteiten van hoofdkantoren
Overige activiteiten van geldscheppende financiële instellingen
Overige geldscheppende financiële instellingen