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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Groep Cauwe Verzekeringen from Knokke-Heist, company number BE0420187568, closed financial year 2025 with a result of € -38,164 after tax. For that financial year Groep Cauwe Verzekeringen recorded a gross margin of € 240,413 and equity of € -645. Compared with financial year 2024, the result moved from € 3,806 to € -38,164. 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 September 30, 2026.
€ -645
▼ € 38,164 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -38,164
▼ still € 3,806 profit in 2024
Profit after tax over the fiscal year.
€ 9,552
▼ 31% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -19,237.
People and assets in 2025
6.9
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 279,237
▲ 6% vs 2024
€ 40,500 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
None
No bank loans on the last day of the fiscal year.
€ 21,868
▲ 17% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 30,376
▼ 7% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 328,234 | € 336,247 | € 268,697 | € 240,413 | ▼ 11% |
| Profit after taxes | € -12,255 | € -29,078 | € 3,806 | € -38,164 | ▼ € 41,970 |
| Equity | € 62,791 | € 33,714 | € 37,519 | € -645 | ▼ € 38,164 |
| Total debts | € 247,963 | € 135,130 | € 120,147 | € 310,563 | ▲ 158% |
| Cash | € 813 | € 13,412 | € 13,876 | € 9,552 | ▼ 31% |
| Retained profit | € 44,199 | € 15,122 | € 18,927 | € -19,237 | ▼ € 38,164 |
| Bank debt | € 30,845 | € 10,364 | € 0 | € 0 | |
| Balance sheet total | € 310,754 | € 168,844 | € 157,667 | € 309,918 | ▲ 97% |
| Employees (FTE) | 7.3 | 7.4 | 6.7 | 6.9 | ▲ 0.2 |
Key figures of Groep Cauwe Verzekeringen, 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 Groep Cauwe Verzekeringen?
What happened at Groep Cauwe Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 38,164 (▼ € 41,970 vs 2024). filed late Source: NBB ↗
- Rudi Jodts became a director. NBB
- Kurt Jodts became a director. NBB
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,255 loss in 2022 to € 38,164 loss in 2025.
Best year ever: 2024, with € 3,806 profit.
On average € 34,800 of value added per employee in 2025.
Management
The stake of Immo Groep Cauwe comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Groep Cauwe VerzekeringenBehind Groep Cauwe Verzekeringen are Kurt Jodts and Rudi Jodts. The shares are held by Immo Groep Cauwe (99.9%).
Directors
According to the 2025 annual accounts
Kurt Jodts
Director
Also active at: JOCLA, AGENCE GOBERT, IC BEHEER 1, SEPT 0709, IC BRUGGE, IMMO DE LINK, FG BOUW, Immo Groep Cauwe +3 more
since 2023
since 2023
Shareholders
99.9%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Elizabetlaan 223
8301 Knokke-Heist
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
KINAMO-BACKBONE, BE
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0420.187.568
- VAT number
- BE 0420.187.568
- Registered office
- Elizabetlaan 223, 8301 Knokke-Heist
- Names & denominations
- Groep Cauwe Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 February 1980
- Peppol
- Not registered
- Contact
- groep-cauwe.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten