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 36 % of short-term debt in 2025; threshold 65 %.
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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
Leen-, Verzekerings-, Beleggingskantoor from Sint-Niklaas, company number BE0419744041, closed financial year 2025 with a result of € 46,294 after tax. For that financial year Leen-, Verzekerings-, Beleggingskantoor recorded a gross margin of € 322,682 and equity of € 91,969. Compared with financial year 2024, the result moved from € 68,771 to € 46,294. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 18, 2026.
€ 91,969
▼ 37% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 46,294
▼ 33% vs 2024
Profit after tax over the fiscal year.
€ 41,866
▼ 71% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
2.9
Average over the fiscal year, from the social balance sheet.
€ 217,613
▲ 8% vs 2024
€ 75,000 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.
€ 12,300
▼ 25% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 22,176
▲ 28% vs 2024
€ 4,071 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 15,801
▼ 83% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 66,131
▲ 12% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 224,067 | € 210,415 | € 334,872 | € 322,682 | ▼ 4% |
| Profit after taxes | € 606 | € 6,505 | € 68,771 | € 46,294 | ▼ 33% |
| Equity | € 205,399 | € 176,904 | € 145,675 | € 91,969 | ▼ 37% |
| Total debts | € 112,293 | € 20,293 | € 272,060 | € 306,679 | ▲ 13% |
| Cash | € 23,161 | € 62,540 | € 143,551 | € 41,866 | ▼ 71% |
| Retained profit | € 180,399 | € 151,904 | € 120,675 | € 66,969 | ▼ 45% |
| Dividend | € 18,000 | € 35,000 | € 100,000 | € 100,000 | |
| Bank debt | € 64,451 | € 0 | € 17,330 | € 22,176 | ▲ 28% |
| Balance sheet total | € 317,692 | € 197,197 | € 417,735 | € 398,647 | ▼ 5% |
| Employees (FTE) | - | - | 2.9 | 2.9 |
Key figures of Leen-, Verzekerings-, Beleggingskantoor, 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 Leen-, Verzekerings-, Beleggingskantoor?
What happened at Leen-, Verzekerings-, Beleggingskantoor in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 46,294 (▼ 33% vs 2024). Source: NBB ↗
- New establishment in Sint-Niklaas. KBO
- Start of the company according to the CBE. KBO
In short
From € 606 profit in 2022 to € 46,294 profit in 2025.
Paid € 49,942 in corporate taxes since 2022.
Best year ever: 2024, with € 68,771 profit.
On average € 111,300 of value added per employee in 2025.
Management
The stake of INSURA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Leen-, Verzekerings-, BeleggingskantoorBehind Leen-, Verzekerings-, Beleggingskantoor are Thierry Eeman and Yves Lenaerts. The shares are held by INSURA (100%).
Directors
According to the 2025 annual accounts
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Prinses Jos.-Charlottelaan 45 box 0001
9100 Sint-Niklaas
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0419.744.041
- VAT number
- BE 0419.744.041
- Registered office
- Prinses Jos.-Charlottelaan 45 bus 0001, 9100 Sint-Niklaas
- Names & denominations
- Leen-, Verzekerings-, Beleggingskantoor · L.V.B.K.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 July 1979
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten