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 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
All-inSurance & Finance from Merelbeke-Melle, company number BE0423908311, closed financial year 2025 with a result of € 130,731 after tax. For that financial year All-inSurance & Finance recorded a gross margin of € 1.5 million and equity of € 954,521. Compared with financial year 2024, the result moved from € 3,169 to € 130,731. 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 August 24, 2026.
€ 954,521
▲ 172% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 130,731
▲ € 127,562 vs 2024
Profit after tax over the fiscal year.
€ 150,060
▼ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 215,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
8.7
▲ 5.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 872,394
▲ 234% vs 2024
€ 100,300 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.
€ 169,146
▲ € 146,127 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 906,352
▲ € 896,352 vs 2024
€ 188,399 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 276,753
▲ € 236,918 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 104,607
▲ 281% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 393,506 | € 317,120 | € 346,674 | € 1,452,030 | ▲ € 1.1 million |
| Profit after taxes | € 12,368 | € 376 | € 3,169 | € 130,731 | ▲ € 127,562 |
| Equity | € 347,656 | € 348,032 | € 351,200 | € 954,521 | ▲ 172% |
| Total debts | € 441,335 | € 308,629 | € 387,830 | € 1,597,875 | ▲ € 1.2 million |
| Cash | € 142,945 | € 128,143 | € 157,395 | € 150,060 | ▼ 5% |
| Retained profit | € 51,394 | € 51,770 | € 54,938 | € 652,178 | ▲ € 597,239 |
| Dividend | € 0 | € 0 | € 0 | € 215,000 | |
| Bank debt | € 10,000 | € 0 | € 10,000 | € 906,352 | ▲ € 896,352 |
| Balance sheet total | € 788,991 | € 656,661 | € 739,030 | € 2,552,396 | ▲ 245% |
| Employees (FTE) | 3.6 | 3.8 | 3.1 | 8.7 | ▲ 5.6 |
Key figures of All-inSurance & Finance, 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 All-inSurance & Finance?
What happened at All-inSurance & Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 130,731 (▲ € 127,562 vs 2024). filed late Source: NBB ↗
- New establishment in Lochristi. KBO
- New establishment in Knokke-Heist. KBO
- New establishment in Liedekerke. KBO
- Gaétan Timmerman became a director. NBB
- All-In BV became a director. NBB
- New establishment in Merelbeke-Melle. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,368 profit in 2022 to € 130,731 profit in 2025.
Paid € 86,391 in corporate taxes since 2022.
Best year ever: 2025, with € 130,731 profit.
On average € 166,900 of value added per employee in 2025.
Management
The stake of PSP INVEST, All-In comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
All-inSurance & FinanceBehind All-inSurance & Finance are Gaétan Timmerman and All-In BV. The shares are held by PSP INVEST (75.7%) and All-In (59%). It owns 83.9% of CPS Bank itself.
Directors
According to the 2025 annual accounts
since 2025
since 2025
Shareholders
75.7%
59%
Participations
83.9%
Establishments
Establishment units
Physical locations of this company
Lindestraat 2
9090 Merelbeke-Melle
Antwerpse Steenweg 43
9080 Lochristi
Active since 1 September 2025
Zoutelaan 33 box 0.1
8300 Knokke-Heist
Active since 1 September 2025
Opperstraat 14
1770 Liedekerke
Active since 1 September 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.
Website
Technologies
Website info
Features
Details
- Company number
- 0423.908.311
- VAT number
- BE 0423.908.311
- Registered office
- Lindestraat 2, 9090 Merelbeke-Melle
- Names & denominations
- All-inSurance & Finance · AI BV
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 January 1983
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
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