What does VERZEKERINGEN APERS do?

VERZEKERINGEN APERS is an insurance broker in Kapelle-op-den-Bos. Private Limited, started on 8 February 1984, 3 establishments.

What is the address of VERZEKERINGEN APERS?

The registered office of VERZEKERINGEN APERS is located at Mechelseweg 175, 1880 Kapelle-op-den-Bos.

Is VERZEKERINGEN APERS still active?

Yes. According to the CBE (30 October 2026) VERZEKERINGEN APERS is active, legal situation “Normale toestand”, started on 8 February 1984.

Is VERZEKERINGEN APERS registered on Peppol?

No, VERZEKERINGEN APERS is currently not registered on the Peppol network.

What is the enterprise number of VERZEKERINGEN APERS?

The enterprise number of VERZEKERINGEN APERS is BE0426336378.

When was VERZEKERINGEN APERS founded?

VERZEKERINGEN APERS was founded on 8 February 1984.

Who are the directors of VERZEKERINGEN APERS?

According to the 2025 annual accounts, the directors of VERZEKERINGEN APERS are: Dirk Apers, Apers Invest, Kris Apers.

Is VERZEKERINGEN APERS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 8 February 1984; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 3 establishments in the CBE.

How much profit did VERZEKERINGEN APERS make in 2025?

VERZEKERINGEN APERS posted a profit after taxes of € 605,103 in financial year 2025.

What is the revenue of VERZEKERINGEN APERS?

As a small company, VERZEKERINGEN APERS is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,573,843.

How much does an employee at VERZEKERINGEN APERS earn?

The average wage cost per full-time employee at VERZEKERINGEN APERS was € 69,100 in 2025: staff costs of € 649,197 for 9.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does VERZEKERINGEN APERS have?

According to the 2025 annual accounts, VERZEKERINGEN APERS has 9.4 full-time equivalents (FTE).

VERZEKERINGEN APERS (Private Limited)

Dossier VERZEKERINGEN APERS, printed on 30 October 2026 from databakkes.be/en/0426336378/verzekeringen-apers. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

VERZEKERINGEN APERS from Kapelle-op-den-Bos, company number BE0426336378, closed financial year 2025 with a result of € 605,103 after tax. For that financial year VERZEKERINGEN APERS recorded a gross margin of € 1.6 million and equity of € 1.1 million. Compared with financial year 2024, the result moved from € 494,783 to € 605,103. 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 September 23, 2026.

What it is worth Growing

€ 1.1 million

▲ 5% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 605,103

▲ 22% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1.7 million

▲ 67% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 550,000 paid out

91 % of the profit went to the shareholders, mostly to Apers Invest (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

9.4

▲ 0.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 649,197

▼ 7% vs 2024

€ 69,100 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.

Vehicles and equipment

€ 11,337

▼ 40% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 253,943

▼ 34% vs 2024

€ 84,290 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 2,078

▼ 78% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 229,586

▲ 43% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 1,244,377 Gross margin 2022: € 1,244,377 First fiscal year in the series	€ 1,368,592 Gross margin 2023: € 1,368,592 ▲ 10% vs 2022 (€ 1,244,377) Favourable step	€ 1,490,159 Gross margin 2024: € 1,490,159 ▲ 9% vs 2023 (€ 1,368,592) Favourable step	€ 1,573,843 Gross margin 2025: € 1,573,843 ▲ 6% vs 2024 (€ 1,490,159) Favourable step	▲ 6%
Profit after taxes	€ 433,988 Profit after taxes 2022: € 433,988 First fiscal year in the series	€ 490,284 Profit after taxes 2023: € 490,284 ▲ 13% vs 2022 (€ 433,988) Favourable step	€ 494,783 Profit after taxes 2024: € 494,783 ▲ 1% vs 2023 (€ 490,284) Favourable step	€ 605,103 Profit after taxes 2025: € 605,103 ▲ 22% vs 2024 (€ 494,783) Favourable step	▲ 22%
Equity	€ 933,414 Equity 2022: € 933,414 First fiscal year in the series	€ 973,698 Equity 2023: € 973,698 ▲ 4% vs 2022 (€ 933,414) Favourable step	€ 1,018,481 Equity 2024: € 1,018,481 ▲ 5% vs 2023 (€ 973,698) Favourable step	€ 1,073,584 Equity 2025: € 1,073,584 ▲ 5% vs 2024 (€ 1,018,481) Favourable step	▲ 5%
Total debts	€ 1,633,489 Total debts 2022: € 1,633,489 First fiscal year in the series	€ 1,690,180 Total debts 2023: € 1,690,180 ▲ 3% vs 2022 (€ 1,633,489) Unfavourable step	€ 1,735,009 Total debts 2024: € 1,735,009 ▲ 3% vs 2023 (€ 1,690,180) Unfavourable step	€ 1,727,863 Total debts 2025: € 1,727,863 Unchanged (€ 1,735,009) Favourable step
Cash	€ 840,027 Cash 2022: € 840,027 First fiscal year in the series	€ 785,837 Cash 2023: € 785,837 ▼ 6% vs 2022 (€ 840,027) Unfavourable step	€ 1,017,200 Cash 2024: € 1,017,200 ▲ 29% vs 2023 (€ 785,837) Favourable step	€ 1,698,869 Cash 2025: € 1,698,869 ▲ 67% vs 2024 (€ 1,017,200) Favourable step	▲ 67%
Land & buildings	€ 10,438 Land & buildings 2022: € 10,438 First fiscal year in the series	€ 10,241 Land & buildings 2023: € 10,241 ▼ 2% vs 2022 (€ 10,438) Unchanged	€ 10,044 Land & buildings 2024: € 10,044 ▼ 2% vs 2023 (€ 10,241) Unchanged	€ 9,847 Land & buildings 2025: € 9,847 ▼ 2% vs 2024 (€ 10,044) Unchanged	▼ 2%
Retained profit	€ 871,414 Retained profit 2022: € 871,414 First fiscal year in the series	€ 911,698 Retained profit 2023: € 911,698 ▲ 5% vs 2022 (€ 871,414) Favourable step	€ 956,481 Retained profit 2024: € 956,481 ▲ 5% vs 2023 (€ 911,698) Favourable step	€ 1,011,584 Retained profit 2025: € 1,011,584 ▲ 6% vs 2024 (€ 956,481) Favourable step	▲ 6%
Dividend	€ 400,000 Dividend 2022: € 400,000 First fiscal year in the series	€ 450,000 Dividend 2023: € 450,000 ▲ 13% vs 2022 (€ 400,000) Unchanged	€ 450,000 Dividend 2024: € 450,000 Unchanged (€ 450,000) Unchanged	€ 550,000 Dividend 2025: € 550,000 ▲ 22% vs 2024 (€ 450,000) Unchanged	▲ 22%
Bank debt	€ 516,313 Bank debt 2022: € 516,313 First fiscal year in the series	€ 447,572 Bank debt 2023: € 447,572 ▼ 13% vs 2022 (€ 516,313) Favourable step	€ 387,584 Bank debt 2024: € 387,584 ▼ 13% vs 2023 (€ 447,572) Favourable step	€ 253,943 Bank debt 2025: € 253,943 ▼ 34% vs 2024 (€ 387,584) Favourable step	▼ 34%
Balance sheet total	€ 2,566,903 Balance sheet total 2022: € 2,566,903 First fiscal year in the series	€ 2,663,878 Balance sheet total 2023: € 2,663,878 ▲ 4% vs 2022 (€ 2,566,903) Unchanged	€ 2,753,490 Balance sheet total 2024: € 2,753,490 ▲ 3% vs 2023 (€ 2,663,878) Unchanged	€ 2,801,446 Balance sheet total 2025: € 2,801,446 ▲ 2% vs 2024 (€ 2,753,490) Unchanged	▲ 2%
Employees (FTE)	7.5 Employees (FTE) 2022: 7.5 First fiscal year in the series	8.5 Employees (FTE) 2023: 8.5 ▲ 1 vs 2022 (7.5) Unchanged	9.1 Employees (FTE) 2024: 9.1 ▲ 0.6 vs 2023 (8.5) Unchanged	9.4 Employees (FTE) 2025: 9.4 ▲ 0.3 vs 2024 (9.1) Unchanged	▲ 0.3

Key figures of VERZEKERINGEN APERS, 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 VERZEKERINGEN APERS?

What happened at VERZEKERINGEN APERS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 23, 2026 New annual accounts for financial year 2025: profit of € 605,103 (▲ 22% vs 2024). filed late Source: NBB ↗
Jul 1, 2020 New establishment in Wemmel. KBO
Oct 1, 2019 New establishment in Merchtem. KBO
Feb 8, 1984 New establishment in Kapelle-op-den-Bos. KBO
Feb 8, 1984 Start of the company according to the CBE. KBO

In short

From € 433,988 profit in 2022 to € 605,103 profit in 2025.

Paid € 782,964 in corporate taxes since 2022.

Best year ever: 2025, with € 605,103 profit.

On average € 167,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Apers Invest 99.7%

The stake of Apers Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

VERZEKERINGEN APERS

Behind VERZEKERINGEN APERS are Dirk Apers, Apers Invest and Kris Apers. The shares are held by Apers Invest (99.7%).

Directors

According to the 2025 annual accounts

Dirk Apers

Managing director

Also active at: Apers Invest

Apers Invest

Director · represented by Edmond Apers

Kris Apers

Managing director

Shareholders

Apers Invest

99.7%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Mechelseweg 175

1880 Kapelle-op-den-Bos

2.315.340.510

Korte Ridderstraat 7

1785 Merchtem

Active since 1 October 2019

2.315.340.708

Steenweg op Brussel 178

1780 Wemmel

Active since 1 July 2020

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 →

Apers Invest same network

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€ -1,161 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0426.336.378

VAT number

BE 0426.336.378

Registered office

Mechelseweg 175, 1880 Kapelle-op-den-Bos

Names & denominations

VERZEKERINGEN APERS

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

8 February 1984

Peppol

Not registered

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

VERZEKERINGEN APERS

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Financials

What happened to VERZEKERINGEN APERS?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions