Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 23 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Catherine de Buyl Horse Insurance from Péruwelz, company number BE0423924939, closed financial year 2025 with a result of € 1,667 after tax. For that financial year Catherine de Buyl Horse Insurance recorded a gross margin of € 1.5 million and equity of € 964,160. Compared with financial year 2024, the result moved from € 3,115 to € 1,667. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.
€ 964,160
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,667
▼ 47% vs 2024
Profit after tax over the fiscal year.
€ 648,827
▼ 31% 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 € 902,160.
People and assets in 2025
13
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1 million
▲ 6% vs 2024
€ 78,600 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
€ 581,024
▲ 19% vs 2024
€ 32,076 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 2.5 million
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 186,493
▲ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,684,141 | € 1,709,015 | € 1,485,693 | € 1,501,130 | ▲ 1% |
| Profit after taxes | € 3,940 | € 7,588 | € 3,115 | € 1,667 | ▼ 47% |
| Equity | € 951,790 | € 959,378 | € 962,494 | € 964,160 | |
| Total debts | € 4,665,816 | € 5,227,809 | € 5,123,380 | € 4,899,423 | ▼ 4% |
| Cash | € 1,082,981 | € 1,230,210 | € 946,576 | € 648,827 | ▼ 31% |
| Retained profit | € 889,790 | € 897,378 | € 900,494 | € 902,160 | |
| Bank debt | € 646,552 | € 538,002 | € 489,200 | € 581,024 | ▲ 19% |
| Balance sheet total | € 5,617,606 | € 6,187,187 | € 6,085,874 | € 5,863,583 | ▼ 4% |
| Employees (FTE) | 13.9 | 13 | 12.4 | 13 | ▲ 0.6 |
Key figures of Catherine de Buyl Horse Insurance, 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 Catherine de Buyl Horse Insurance?
What happened at Catherine de Buyl Horse Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,667 (▼ 47% vs 2024). Source: NBB ↗
- BD HORSE SRL became a director. NBB
- New establishment in Péruwelz. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,940 profit in 2022 to € 1,667 profit in 2025.
Paid € 53,593 in corporate taxes since 2022.
Best year ever: 2023, with € 7,588 profit.
On average € 115,500 of value added per employee in 2025.
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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 MC ENTEE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Catherine de Buyl Horse InsuranceBehind Catherine de Buyl Horse Insurance are BD HORSE SRL, Gaétane DUEZ and Catherine de BUYL. The shares are held by MC ENTEE (25%).
Directors
According to the 2025 annual accounts
Director · represented by Laurent DAVREUX
since 2023
Gaétane DUEZ
Director
Catherine de BUYL
Managing director
Shareholders
25%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard Léopold III(PER) 146
7600 Péruwelz
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
CLOUDFLARENET - Cloudflare, Inc., US
DNS
Cloudflare DNS
Domain
Domain
debuylinsurance.com
Registered
2001-03-20
Registrar
Ascio Technologies, Inc. Danmark - Filial af Ascio technologies, Inc. USA
Expires
2026-03-20
Website info
Features
Security
Network
Details
- Company number
- 0423.924.939
- VAT number
- BE 0423.924.939
- Registered office
- Boulevard Léopold III(PER) 146, 7600 Péruwelz
- Names & denominations
- Catherine de Buyl Horse Insurance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1982
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- debuylinsurance.com
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Schapen-, geiten-, paarden-, ezel-, muildieren- of muilezelhouderij
Fokken en houden van paarden en andere paardachtigen
Activiteiten van sportclubs en -bonden
Activiteiten van paardensportclubs