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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Onderlinge Brandverzekering van Ruddervoorde from Oostkamp, company number BE0405167020, closed financial year 2025 with a result of € 7 after tax. For that financial year Onderlinge Brandverzekering van Ruddervoorde recorded a gross margin of € 137,724 and equity of € 3,800. Compared with financial year 2024, the result moved from € -41 to € 7. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 14, 2026.
€ 3,800
▼ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7
▲ still € 41 loss in 2024
Profit after tax over the fiscal year.
€ 381,577
▲ € 347,426 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 630.
People and assets in 2025
€ 150,275
▲ 125% vs 2024
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
None
No bank loans on the last day of the fiscal year.
€ 86,211
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 55,372 | € 54,988 | € 61,181 | € 137,724 | ▲ 125% |
| Profit after taxes | € 71 | € -215 | € -41 | € 7 | ▲ € 48 |
| Equity | € 880 | € 4,005 | € 4,383 | € 3,800 | ▼ 13% |
| Total debts | € 417,153 | € 408,041 | € 459,006 | € 527,621 | ▲ 15% |
| Cash | € 80,669 | € 85,174 | € 34,151 | € 381,577 | ▲ € 347,426 |
| Retained profit | € 880 | € 665 | € 623 | € 630 | ▲ 1% |
| Balance sheet total | € 433,773 | € 470,210 | € 514,726 | € 531,421 | ▲ 3% |
Key figures of Onderlinge Brandverzekering van Ruddervoorde, fiscal years 2022 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 Onderlinge Brandverzekering van Ruddervoorde?
What happened at Onderlinge Brandverzekering van Ruddervoorde in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- JOZEF NAEYAERT stepped down as director. NBB
- MICHEL NAEYAERT stepped down as director. NBB
- ANN GYSSELS stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 7. Source: NBB ↗
- LODE NAEYAERT became a director. NBB
- HERMAN CLARYSSE became a director. NBB
- MICHEL NAEYAERT became a director. NBB
- ANN GYSSELS became a director. NBB
In short
From € 71 profit in 2022 to € 7 profit in 2025.
Paid € 1,257 in corporate taxes since 2022.
Best year ever: 2022, with € 71 profit.
Management
Behind Onderlinge Brandverzekering van Ruddervoorde are BART NAEYAERT, LODE NAEYAERT and HERMAN CLARYSSE.
Directors
According to the 2025 annual accounts
BART NAEYAERT
Manager
LODE NAEYAERT
Chairman of the board
since 2022
HERMAN CLARYSSE
Director
since 2022
JOZEF NAEYAERT
Director
since 2022 · until 2028
MICHEL NAEYAERT
Director
since 2022 · until 2028
ANN GYSSELS
Director
since 2022 · until 2028
Establishments
Establishment units
Physical locations of this company
Torhoutsestraat 40
8020 Oostkamp
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0405.167.020
- VAT number
- BE 0405.167.020
- Registered office
- Torhoutsestraat 40, 8020 Oostkamp
- Names & denominations
- Onderlinge Brandverzekering van Ruddervoorde
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Not registered