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 30 % of short-term debt in 2025; threshold 65 %.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
Financials
Financial year 2025
Palmers from Diepenbeek, company number BE0421537947, closed financial year 2025 with a result of € -333,637 after tax. For that financial year Palmers recorded a gross margin of € 373,007 and equity of € 276,092. Compared with financial year 2024, the result moved from € 3,684 to € -333,637. The company made a loss. The buffer shrank hard: equity is 55 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ 276,092
▼ 55% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -333,637
▼ still € 3,684 profit in 2024
Profit after tax over the fiscal year.
€ 145,006
▲ € 144,835 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 214,092.
People and assets in 2025
5.5
▲ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 325,493
▲ 26% vs 2024
€ 59,200 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.
€ 13,354
▲ 71% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 454,220
▼ 81% vs 2024
Loans from banks and other lenders, long and short.
€ 359,452
▼ 72% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 251,775
▼ 13% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 300,118 | € 499,408 | € 522,704 | € 373,007 | ▼ 29% |
| Profit after taxes | € 31,046 | € 192,793 | € 3,684 | € -333,637 | ▼ € 337,321 |
| Equity | € 413,252 | € 606,045 | € 609,729 | € 276,092 | ▼ 55% |
| Total debts | € 2,410,495 | € 2,559,322 | € 4,276,954 | € 1,164,498 | ▼ 73% |
| Cash | € 15,426 | € 9,969 | € 170 | € 145,006 | ▲ € 144,835 |
| Retained profit | € 351,252 | € 544,045 | € 547,729 | € 214,092 | ▼ 61% |
| Bank debt | € 1,149,495 | € 1,039,173 | € 2,341,513 | € 454,220 | ▼ 81% |
| Balance sheet total | € 2,823,747 | € 3,165,367 | € 4,886,683 | € 1,440,589 | ▼ 71% |
| Employees (FTE) | 4.6 | 4.7 | 4.6 | 5.5 | ▲ 0.9 |
Key figures of Palmers, 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 Palmers?
What happened at Palmers in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Diep Immo Consulting NV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 333,638 (▼ € 337,321 vs 2024). Source: NBB ↗
- De Kassei Consulting BV became a director. NBB
- COTOPAXI BV became a director. NBB
- New establishment in Zonhoven. KBO
- Diep Immo Consulting NV became a director. NBB
- New establishment in Diepenbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 31,046 profit in 2022 to € 333,638 loss in 2025.
Paid € 95,931 in corporate taxes since 2022.
Best year ever: 2023, with € 192,793 profit.
On average € 67,800 of value added per employee in 2025.
Management
The stake of ALLIA INSURANCE BROKERS, DIEP IMMO CONSULTING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PalmersBehind Palmers are De Kassei Consulting BV and COTOPAXI BV. The shares are held by ALLIA INSURANCE BROKERS (100%) and DIEP IMMO CONSULTING (99.2%).
Directors
According to the 2025 annual accounts
Bestuurder · represented by Davy Claerhout
Also active at: VELLUT, NAMECHE et ASSOCIES, Tasnier, Renaut et Cie, HD ASSURANCES, ASSURANCES BERNARD SALIERES, INSURANCE INVESTMENTS, ALLIA INSURANCE BROKERS, VIRCECHAMO, AlliA Insurance Services +6 more
since 2025
Bestuurder · represented by Wouter Devriendt
Also active at: VELLUT, NAMECHE et ASSOCIES, Tasnier, Renaut et Cie, HD ASSURANCES, ASSURANCES BERNARD SALIERES, VIRCECHAMO, AlliA Insurance Services, B Broker, MAIOR.BE +7 more
since 2025
Gedelegeerd bestuurder · represented by Jan Gorissen
Also active at: IMMO VANRUNXT, MUIS ZOEKT HUIS, Porthos.be, Teudo, Epicuristen, MAIOR.BE
since 2021 · until 2027
Shareholders
99.2%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 32
3590 Diepenbeek
Kerkplein 20
3520 Zonhoven
Active since 2 January 2025
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
- 0421.537.947
- VAT number
- BE 0421.537.947
- Registered office
- Dorpsstraat 32, 3590 Diepenbeek
- Names & denominations
- Palmers
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 April 1981
- Peppol
- Active · Active since 14 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven