Financials
Financial year 2025
Q & O VERZEKERINGEN from Waregem, company number BE0423872083, closed financial year 2025 with a result of € 776,292 after tax. For that financial year Q & O VERZEKERINGEN recorded revenue of € 15 million and equity of € 1.4 million. Compared with financial year 2024, the result moved from € -749,543 to € 776,292. 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 August 17, 2026.
€ 1.4 million
▲ 126% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 776,292
▲ still € 749,544 loss in 2024
Profit after tax over the fiscal year.
€ 932,586
▼ 85% 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 € 1.3 million.
People and assets in 2025
70.2
▲ 16.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 6.1 million
▲ 45% vs 2024
€ 87,100 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.
€ 1.7 million
▲ 11% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 4.4 million
▲ 13% vs 2024
€ 767,857 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 12.1 million
▼ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 574 days on average.
€ 880,857
▲ 5% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | - | € 12,453,961 | € 14,986,263 | ▲ 20% |
| Gross margin | € 3,979,111 | € 5,033,523 | - | - | |
| Profit after taxes | € 570,209 | € 1,059,812 | € -749,543 | € 776,292 | ▲ € 1.5 million |
| Equity | € 707,159 | € 1,366,971 | € 617,428 | € 1,393,720 | ▲ 126% |
| Total debts | € 13,453,436 | € 14,785,729 | € 20,282,531 | € 17,359,592 | ▼ 14% |
| Cash | € 2,736,016 | € 2,164,294 | € 6,063,192 | € 932,586 | ▼ 85% |
| Land & buildings | - | - | € 424,642 | € 383,582 | ▼ 10% |
| Retained profit | € 645,108 | € 1,304,921 | € 555,377 | € 1,331,670 | ▲ 140% |
| Dividend | € 217,731 | € 400,000 | € 0 | € 0 | |
| Bank debt | € 3,208,333 | € 2,761,912 | € 3,898,214 | € 4,405,357 | ▲ 13% |
| Balance sheet total | € 14,160,594 | € 16,152,701 | € 20,899,959 | € 18,753,312 | ▼ 10% |
| Employees (FTE) | 38.9 | 43.3 | 54 | 70.2 | ▲ 16.2 |
Key figures of Q & O 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 Q & O VERZEKERINGEN?
What happened at Q & O VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 776,292. filed late Source: NBB ↗
- Stefaan Desimpel became a director. NBB
- VYVA BV became a director. NBB
- CLEMAX BV became a director. NBB
- QVO BV became a director. NBB
- CYLUDOR BV became a director. NBB
- New establishment in Waregem. KBO
- Start of the company according to the CBE. KBO
In short
From € 570,209 profit in 2022 to € 776,292 profit in 2025.
Paid € 1.3 million in corporate taxes since 2022.
Best year ever: 2023, with € 1.1 million profit.
On average € 116,200 of value added per employee in 2023.
A new publication or filing at Q & O VERZEKERINGEN? 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
The stake of Cyludor, CLEMAX, Vyva, QVO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Q & O VERZEKERINGENBehind Q & O VERZEKERINGEN are Stefaan Desimpel, VYVA BV, CLEMAX BV, QVO BV and CYLUDOR BV. The shares are held by Cyludor (31.4%), CLEMAX (31.4%), Vyva (31.4%) and QVO (0.9%). It owns 100% of Kantoor Pauwels-Maes itself.
Directors
According to the 2025 annual accounts
since 2020
since 2020
Director · represented by Clement Stefanie
Also active at: Kantoor Pauwels-Maes, BLOMME KOEN
since 2020
Director · represented by Orens Ludo
since 2020
Director · represented by Orens Cynthia
Also active at: Kantoor Pauwels-Maes, BLOMME KOEN
since 2020
Participations
100%
Establishments
Establishment units
Physical locations of this company
Westerlaan 1
8790 Waregem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0423.872.083
- VAT number
- BE 0423.872.083
- Registered office
- Westerlaan 1, 8790 Waregem
- Names & denominations
- Q & O VERZEKERINGEN · Q & O
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1982
- Peppol
- Active · Active since 16 Apr 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg