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
VERZEKERINGEN JOS DE LAET from Antwerpen, company number BE0418181054, closed financial year 2025 with a result of € 76,204 after tax. For that financial year VERZEKERINGEN JOS DE LAET recorded a gross margin of € 355,033 and equity of € 1.4 million. Compared with financial year 2024, the result moved from € 60,037 to € 76,204. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 2, 2026.
€ 1.4 million
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 76,204
▲ 27% vs 2024
Profit after tax over the fiscal year.
€ 247,688
▲ 145% 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 € 1.4 million.
People and assets in 2025
2
Average over the fiscal year, from the social balance sheet.
€ 143,337
▲ 7% vs 2024
€ 71,700 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.
€ 35,089
▼ 35% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 58,492
▼ 25% vs 2024
€ 50,539 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 24,461
▲ 54% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 17,758
▲ 21% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 329,773 | € 334,688 | € 334,973 | € 355,033 | ▲ 6% |
| Profit after taxes | € 83,679 | € 68,577 | € 60,037 | € 76,204 | ▲ 27% |
| Equity | € 1,175,656 | € 1,244,234 | € 1,304,270 | € 1,380,474 | ▲ 6% |
| Total debts | € 277,999 | € 158,707 | € 113,979 | € 103,774 | ▼ 9% |
| Cash | € 70,619 | € 79,901 | € 100,995 | € 247,688 | ▲ 145% |
| Land & buildings | € 925,314 | € 880,029 | € 835,129 | € 790,565 | ▼ 5% |
| Retained profit | € 1,157,064 | € 1,225,642 | € 1,285,678 | € 1,361,882 | ▲ 6% |
| Bank debt | € 223,275 | € 135,060 | € 77,864 | € 58,492 | ▼ 25% |
| Balance sheet total | € 1,453,656 | € 1,402,941 | € 1,418,249 | € 1,484,248 | ▲ 5% |
| Employees (FTE) | 2 | 2 | 2 | 2 |
Key figures of VERZEKERINGEN JOS DE LAET, 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 VERZEKERINGEN JOS DE LAET?
What happened at VERZEKERINGEN JOS DE LAET in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 76,204 (▲ 27% vs 2024). Source: NBB ↗
- Dirk De Laet became a director. NBB
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 83,679 profit in 2022 to € 76,204 profit in 2025.
Paid € 141,798 in corporate taxes since 2022.
Best year ever: 2022, with € 83,679 profit.
On average € 177,500 of value added per employee in 2025.
A new publication or filing at VERZEKERINGEN JOS DE LAET? We notify you, reason included.
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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
Behind VERZEKERINGEN JOS DE LAET is Dirk De Laet.
Directors
According to the 2025 annual accounts
Dirk De Laet
Director
since 1990
Establishments
Establishment units
Physical locations of this company
Jozef Reusenslei 119
2150 Antwerpen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Website info
Features
Details
- Company number
- 0418.181.054
- VAT number
- BE 0418.181.054
- Registered office
- Jozef Reusenslei 119, 2150 Antwerpen
- Names & denominations
- VERZEKERINGEN JOS DE LAET
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 1977
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten