Financials
Financial year 2025
Sharp Insurance Brokers from Oudenaarde, company number BE0425412504, closed financial year 2025 with a result of € 421,301 after tax. For that financial year Sharp Insurance Brokers recorded a gross margin of € 2.5 million and equity of € 2.3 million. Compared with financial year 2024, the result moved from € 807,627 to € 421,301. The company is profitable. 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 July 3, 2026.
€ 2.3 million
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 421,301
▼ 48% vs 2024
Profit after tax over the fiscal year.
€ 2 million
▲ 113% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 350,000 paid out
83 % of the profit went to the shareholders, mostly to CleverCo (100 % of the shares). That is where the money ends up.
People and assets in 2025
20
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.6 million
▲ 10% vs 2024
€ 78,700 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.
€ 446,990
▲ 9% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1 million
▼ 23% vs 2024
€ 251,667 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1.8 million
▲ 40% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 165,317
▼ 7% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,012,470 | € 2,409,482 | € 2,875,654 | € 2,538,871 | ▼ 12% |
| Profit after taxes | € 488,231 | € 586,528 | € 807,627 | € 421,301 | ▼ 48% |
| Equity | € 704,354 | € 990,882 | € 2,253,278 | € 2,315,526 | ▲ 3% |
| Total debts | € 3,168,519 | € 2,737,645 | € 2,904,949 | € 3,399,266 | ▲ 17% |
| Cash | € 1,473,786 | € 1,065,972 | € 958,244 | € 2,042,612 | ▲ 113% |
| Retained profit | € 637,374 | € 923,902 | € 1,722,298 | € 1,784,546 | ▲ 4% |
| Dividend | € 240,000 | € 300,000 | € 0 | € 350,000 | |
| Bank debt | € 641,667 | € 781,667 | € 1,334,167 | € 1,024,167 | ▼ 23% |
| Balance sheet total | € 3,872,873 | € 3,728,528 | € 5,158,227 | € 5,714,792 | ▲ 11% |
| Employees (FTE) | 1,820 | 18.7 | 19.2 | 20 | ▲ 0.8 |
Key figures of Sharp Insurance Brokers, 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 Sharp Insurance Brokers?
What happened at Sharp Insurance Brokers in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 421,301 (▼ 48% vs 2024). Source: NBB ↗
- RISKCare BV became a director. NBB
- InsureCo BV stepped down as director. NBB
- InsureCo BV became a director. NBB
- Katrien Vanden Bulcke became a director. NBB
- Mathieu Claus became a director. NBB
- Olivier Herberigs became a director. NBB
- New establishment in Oudenaarde. KBO
In short
From € 488,231 profit in 2022 to € 421,301 profit in 2025.
Paid € 902,530 in corporate taxes since 2022.
Best year ever: 2024, with € 807,627 profit.
On average € 126,900 of value added per employee in 2025.
Management
The stake of CleverCo, CLASS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Sharp Insurance BrokersBehind Sharp Insurance Brokers are Katrien Vanden Bulcke, RISKCare BV, VNVDB Invest NV, Olivier Herberigs and Mathieu Claus. The shares are held by CleverCo (100%) and CLASS (33.3%). It owns 100% of Assicurazione WB itself.
Directors
According to the 2025 annual accounts
since 2024
Director · represented by Herman Kerremans
Also active at: JEAN CRAB ET SES FILS, Devaux, Roland Associés, Sur., Sibova Insurance, MAXI ASSUR, RISK MANAGEMENT ASSURANCES, SERVASSIM, MALFAIT VERZEKERINGSKANTOOR +14 more
since 2025
Managing director · represented by Laurens Van Nevel
Also active at: KARTONNAGE JOYE, S.A. AEDES IMMO, AEDES, AEDES ACADEMY, Assicurazione WB, AEDES CORPUS, CleverCo
Olivier Herberigs
Director
since 2019
since 2024
Director · represented by Marc Janssens
Also active at: JEAN CRAB ET SES FILS, Sibova Insurance, AtlantaCo, DG-INSURANCE, HarbourCo, CleverCo, SurCo, HarvestCo +1 more
since 2024 · until 2025
Participations
100%
Establishments
Establishment units
Physical locations of this company
Dijkstraat 47
9700 Oudenaarde
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0425.412.504
- VAT number
- BE 0425.412.504
- Registered office
- Dijkstraat 47, 9700 Oudenaarde
- Names & denominations
- Sharp Insurance Brokers
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1983
- Peppol
- Active · Active since 29 Jun 2026
- Contact
- sharpinsurance.be
- Activities · NACE
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