What does CVK Immo do?

CVK Immo is an insurance broker in Geel. Public Limited, started on 7 October 1971, 1 establishment.

What is the address of CVK Immo?

The registered office of CVK Immo is located at Diestseweg 38, 2440 Geel.

Is CVK Immo still active?

Yes. According to the CBE (29 October 2026) CVK Immo is active, legal situation “Normale toestand”, started on 7 October 1971.

Is CVK Immo registered on Peppol?

No, CVK Immo is currently not registered on the Peppol network.

What is the enterprise number of CVK Immo?

The enterprise number of CVK Immo is BE0411577829.

When was CVK Immo founded?

CVK Immo was founded on 7 October 1971.

Who are the directors of CVK Immo?

According to the 2025 annual accounts, the directors of CVK Immo are: Lune NV, Berali BV, Tom Corstjens.

Is CVK Immo a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 7 October 1971; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did CVK Immo make in 2025?

CVK Immo posted a profit after taxes of € 34,548 in financial year 2025.

What is the revenue of CVK Immo?

As a small company, CVK Immo is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 701,978.

How much does an employee at CVK Immo earn?

The average wage cost per full-time employee at CVK Immo was € 85,700 in 2025: staff costs of € 334,338 for 3.9 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does CVK Immo have?

According to the 2025 annual accounts, CVK Immo has 3.9 full-time equivalents (FTE).

CVK Immo (Public Limited) - Geel - BE0411577829

Dossier CVK Immo, printed on 29 October 2026 from databakkes.be/en/0411577829/cvk-immo. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

CVK Immo from Geel, company number BE0411577829, closed financial year 2025 with a result of € 34,548 after tax. For that financial year CVK Immo recorded a gross margin of € 701,978 and equity of € 199,148. Compared with financial year 2024, the result moved from € 3,067 to € 34,548. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.

What it is worth Growing

€ 199,148

▲ 6% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 34,548

▲ € 31,482 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 15,596

▼ 98% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 134,021.

People and assets in 2025

Full-time equivalents

3.9

▼ 7.2 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 334,338

▼ 64% vs 2024

€ 85,700 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

Bank debt ≈ 15 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.6 million

▼ 49% vs 2024

€ 107,000 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.

Taxes

€ 5,084

▼ 24% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 945,944 Gross margin 2022: € 945,944 First fiscal year in the series	€ 843,319 Gross margin 2023: € 843,319 ▼ 11% vs 2022 (€ 945,944) Unfavourable step	€ 1,472,174 Gross margin 2024: € 1,472,174 ▲ 75% vs 2023 (€ 843,319) Favourable step	€ 701,978 Gross margin 2025: € 701,978 ▼ 52% vs 2024 (€ 1,472,174) Unfavourable step	▼ 52%
Profit after taxes	€ 13,810 Profit after taxes 2022: € 13,810 First fiscal year in the series	€ 6,937 Profit after taxes 2023: € 6,937 ▼ 50% vs 2022 (€ 13,810) Unfavourable step	€ 3,067 Profit after taxes 2024: € 3,067 ▼ 56% vs 2023 (€ 6,937) Unfavourable step	€ 34,548 Profit after taxes 2025: € 34,548 ▲ € 31,482 vs 2024 (€ 3,067) Favourable step	▲ € 31,482
Equity	€ 177,951 Equity 2022: € 177,951 First fiscal year in the series	€ 184,888 Equity 2023: € 184,888 ▲ 4% vs 2022 (€ 177,951) Favourable step	€ 187,955 Equity 2024: € 187,955 ▲ 2% vs 2023 (€ 184,888) Favourable step	€ 199,148 Equity 2025: € 199,148 ▲ 6% vs 2024 (€ 187,955) Favourable step	▲ 6%
Total debts	€ 2,008,997 Total debts 2022: € 2,008,997 First fiscal year in the series	€ 4,374,922 Total debts 2023: € 4,374,922 ▲ 118% vs 2022 (€ 2,008,997) Unfavourable step	€ 5,494,876 Total debts 2024: € 5,494,876 ▲ 26% vs 2023 (€ 4,374,922) Unfavourable step	€ 4,628,433 Total debts 2025: € 4,628,433 ▼ 16% vs 2024 (€ 5,494,876) Favourable step	▼ 16%
Cash	€ 522,394 Cash 2022: € 522,394 First fiscal year in the series	€ 508,863 Cash 2023: € 508,863 ▼ 3% vs 2022 (€ 522,394) Unfavourable step	€ 926,829 Cash 2024: € 926,829 ▲ 82% vs 2023 (€ 508,863) Favourable step	€ 15,596 Cash 2025: € 15,596 ▼ 98% vs 2024 (€ 926,829) Unfavourable step	▼ 98%
Land & buildings	-	€ 1,579,561 Land & buildings 2023: € 1,579,561 First fiscal year in the series	€ 1,765,649 Land & buildings 2024: € 1,765,649 ▲ 12% vs 2023 (€ 1,579,561) Unchanged	€ 2,030,327 Land & buildings 2025: € 2,030,327 ▲ 15% vs 2024 (€ 1,765,649) Unchanged	▲ 15%
Retained profit	€ 103,583 Retained profit 2022: € 103,583 First fiscal year in the series	€ 110,520 Retained profit 2023: € 110,520 ▲ 7% vs 2022 (€ 103,583) Favourable step	€ 113,587 Retained profit 2024: € 113,587 ▲ 3% vs 2023 (€ 110,520) Favourable step	€ 134,021 Retained profit 2025: € 134,021 ▲ 18% vs 2024 (€ 113,587) Favourable step	▲ 18%
Bank debt	€ 897,950 Bank debt 2022: € 897,950 First fiscal year in the series	€ 2,493,735 Bank debt 2023: € 2,493,735 ▲ 178% vs 2022 (€ 897,950) Unfavourable step	€ 3,088,062 Bank debt 2024: € 3,088,062 ▲ 24% vs 2023 (€ 2,493,735) Unfavourable step	€ 1,588,083 Bank debt 2025: € 1,588,083 ▼ 49% vs 2024 (€ 3,088,062) Favourable step	▼ 49%
Balance sheet total	€ 2,186,948 Balance sheet total 2022: € 2,186,948 First fiscal year in the series	€ 4,559,810 Balance sheet total 2023: € 4,559,810 ▲ 109% vs 2022 (€ 2,186,948) Unchanged	€ 5,682,831 Balance sheet total 2024: € 5,682,831 ▲ 25% vs 2023 (€ 4,559,810) Unchanged	€ 4,827,581 Balance sheet total 2025: € 4,827,581 ▼ 15% vs 2024 (€ 5,682,831) Unchanged	▼ 15%
Employees (FTE)	8.1 Employees (FTE) 2022: 8.1 First fiscal year in the series	7.4 Employees (FTE) 2023: 7.4 ▼ 0.7 vs 2022 (8.1) Unchanged	11.1 Employees (FTE) 2024: 11.1 ▲ 3.7 vs 2023 (7.4) Unchanged	3.9 Employees (FTE) 2025: 3.9 ▼ 7.2 vs 2024 (11.1) Unchanged	▼ 7.2

Key figures of CVK Immo, 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 CVK Immo?

What happened at CVK Immo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 30, 2026 New annual accounts for financial year 2025: profit of € 34,548 (▲ € 31,482 vs 2024). Source: NBB ↗
2025 Berali BV stepped down as director. NBB
2025 Tom Corstjens stepped down as director. NBB
2024 Tom Corstjens became a director. NBB
2023 Berali BV became a director. NBB
2016 Lune NV became a director. NBB
Jul 1, 1972 New establishment in Geel. KBO
Oct 7, 1971 Start of the company according to the CBE. KBO

In short

From € 13,810 profit in 2022 to € 34,548 profit in 2025.

Paid € 21,757 in corporate taxes since 2022.

Best year ever: 2025, with € 34,548 profit.

On average € 180,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

CALLANT VERZEKERINGSKANTOOR

The stake of CALLANT VERZEKERINGSKANTOOR comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

CVK Immo

Behind CVK Immo is Lune NV. The shares are held by CALLANT VERZEKERINGSKANTOOR.

Directors

According to the 2025 annual accounts

Lune NV

Director · represented by Peter Callant

Also active at: CALLANT FINANCIEEL ADVIES, CALLANT VERZEKERINGSKANTOOR, CALLANT VERZEKERINGEN ANTWERPEN, NATEL, KEYPOINT, Sea Mile Properties

since 2016

Berali BV

Director · represented by Bert Vanbesien

Also active at: CALLANT VERZEKERINGSKANTOOR, CALLANT VERZEKERINGEN ANTWERPEN, NATEL, InsuCarrier

since 2023 · until 2025

Tom Corstjens

Director

Also active at: SILEX, HOLD-CO, QUARZ, LOWAC, INSU-BUILD

since 2024 · until 2025

Shareholders

CALLANT VERZEKERINGSKANTOOR

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Diestseweg 38

2440 Geel

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0411.577.829
VAT number: BE 0411.577.829
Registered office: Diestseweg 38, 2440 Geel
Names & denominations: CVK Immo
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 7 October 1971
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗