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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Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
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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 Klerken from Staden, company number BE0405465938, closed financial year 2025 with a result of € -7,051 after tax. For that financial year Onderlinge Brandverzekering van Klerken recorded a gross margin of € -8,009 and equity of € -6,795. Compared with financial year 2024, the result moved from € 3 to € -7,051. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ -6,795
▼ € 7,051 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,051
▼ still € 3 profit in 2024
Profit after tax over the fiscal year.
€ 201,112
▲ 59% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -6,795.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 30,841
▲ € 30,529 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 224 | € -9,945 | € -1,220 | € -8,009 | ▼ € 6,789 |
| Profit after taxes | € 254 | € -60 | € 3 | € -7,051 | ▼ € 7,054 |
| Equity | € 312 | € 252 | € 256 | € -6,795 | ▼ € 7,051 |
| Total debts | € 156,252 | € 152,619 | € 170,350 | € 215,917 | ▲ 27% |
| Cash | € 148,027 | € 128,373 | € 126,092 | € 201,112 | ▲ 59% |
| Retained profit | € 312 | € 252 | € 256 | € -6,795 | ▼ € 7,051 |
| Balance sheet total | € 159,064 | € 157,872 | € 170,606 | € 209,122 | ▲ 23% |
Key figures of Onderlinge Brandverzekering van Klerken, 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 Klerken?
What happened at Onderlinge Brandverzekering van Klerken in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- PATRICK LEGRAND stepped down as director. NBB
- HUBERT CREMMERY stepped down as director. NBB
- ERIC ALLY stepped down as director. NBB
- KURT VANSPEYBROUCK stepped down as director. NBB
- JAN VANGHELUWE stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 7,051 (▼ € 7,054 vs 2024). Source: NBB ↗
- KURT VANSPEYBROUCK became a director. NBB
- New establishment in Staden. KBO
In short
From € 254 profit in 2022 to € 7,051 loss in 2025.
Paid € 130 in corporate taxes since 2022.
Best year ever: 2022, with € 254 profit.
Management
Behind Onderlinge Brandverzekering van Klerken is Hanz Verhoest. Hanz Verhoest is also behind Onderlinge brandverzekering van Houthulst.
Directors
According to the 2025 annual accounts
PATRICK LEGRAND
Director
· until 2030
HUBERT CREMMERY
Chairman of the board
· until 2030
ERIC ALLY
Director
· until 2030
KURT VANSPEYBROUCK
Director
Also active at: Agentuur voor Brandherverzekering, VANSPEYBROUCK, Biensure, ONDERLINGE BRANDVERZEKERING VAN ROESELARE
since 2022 · until 2030
JAN VANGHELUWE
Director
· until 2030
Establishments
Establishment units
Physical locations of this company
Bruggestraat(STA) 1
8840 Staden
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0405.465.938
- VAT number
- BE 0405.465.938
- Registered office
- Bruggestraat(STA) 1, 8840 Staden
- Names & denominations
- Onderlinge Brandverzekering van Klerken
- Enterprise type
- Rechtspersoon
- Legal form
- Onderlinge verzekeringsvereniging / Gemeenschappelijke verzekeringskas van privaat recht
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Not registered