What does VERZEKERINGEN-SAERENS-ASSURANCES do?

VERZEKERINGEN-SAERENS-ASSURANCES is an insurance broker in Asse. Public Limited, started on 24 October 1984, 1 establishment.

What is the address of VERZEKERINGEN-SAERENS-ASSURANCES?

The registered office of VERZEKERINGEN-SAERENS-ASSURANCES is located at Hogeweide 10, 1730 Asse.

Is VERZEKERINGEN-SAERENS-ASSURANCES still active?

Yes. According to the CBE (29 October 2026) VERZEKERINGEN-SAERENS-ASSURANCES is active, legal situation “Normale toestand”, started on 24 October 1984.

Is VERZEKERINGEN-SAERENS-ASSURANCES registered on Peppol?

Yes, VERZEKERINGEN-SAERENS-ASSURANCES is registered on the Peppol network with ID 0208:0426755953.

What is the enterprise number of VERZEKERINGEN-SAERENS-ASSURANCES?

The enterprise number of VERZEKERINGEN-SAERENS-ASSURANCES is BE0426755953.

When was VERZEKERINGEN-SAERENS-ASSURANCES founded?

VERZEKERINGEN-SAERENS-ASSURANCES was founded on 24 October 1984.

Who are the directors of VERZEKERINGEN-SAERENS-ASSURANCES?

According to the 2025 annual accounts, the directors of VERZEKERINGEN-SAERENS-ASSURANCES are: Sophie KELLER, Braxos BV, Didier KELLER.

Is VERZEKERINGEN-SAERENS-ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 24 October 1984; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did VERZEKERINGEN-SAERENS-ASSURANCES make in 2025?

VERZEKERINGEN-SAERENS-ASSURANCES posted a profit after taxes of € 229,521 in financial year 2025.

What is the revenue of VERZEKERINGEN-SAERENS-ASSURANCES?

As a small company, VERZEKERINGEN-SAERENS-ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 607,213.

How much does an employee at VERZEKERINGEN-SAERENS-ASSURANCES earn?

The average wage cost per full-time employee at VERZEKERINGEN-SAERENS-ASSURANCES was € 64,500 in 2025: staff costs of € 322,314 for 5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does VERZEKERINGEN-SAERENS-ASSURANCES have?

According to the 2025 annual accounts, VERZEKERINGEN-SAERENS-ASSURANCES has 5 full-time equivalents (FTE).

VERZEKERINGEN-SAERENS-ASSURANCES (Public Limited) - Asse

Dossier VERZEKERINGEN-SAERENS-ASSURANCES, printed on 29 October 2026 from databakkes.be/en/0426755953/verzekeringen-saerens-assurances. 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.

Tight liquidity NBB

Cash and receivables cover 43 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

VERZEKERINGEN-SAERENS-ASSURANCES from Asse, company number BE0426755953, closed financial year 2025 with a result of € 229,521 after tax. For that financial year VERZEKERINGEN-SAERENS-ASSURANCES recorded a gross margin of € 607,213 and equity of € 131,423. Compared with financial year 2024, the result moved from € 169,413 to € 229,521. 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 31, 2026.

What it is worth Growing

€ 131,423

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

Profit Growing

€ 229,521

▲ 35% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 68,291

▼ 6% vs 2024

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

Where the profit goes Pays out

€ 229,000 paid out

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

People and assets in 2025

Full-time equivalents

▲ 0.9 vs 2024

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

Wage cost

€ 322,314

▲ 49% vs 2024

€ 64,500 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

Bank debt ≈ 2 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.

€ 215,359

▼ 27% vs 2024

€ 107,645 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 118,253

▲ € 89,737 vs 2024

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

Taxes and wages

€ 50,697

▲ 20% 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	€ 559,831 Gross margin 2022: € 559,831 First fiscal year in the series	€ 560,908 Gross margin 2023: € 560,908 Unchanged (€ 559,831) Favourable step	€ 492,811 Gross margin 2024: € 492,811 ▼ 12% vs 2023 (€ 560,908) Unfavourable step	€ 607,213 Gross margin 2025: € 607,213 ▲ 23% vs 2024 (€ 492,811) Favourable step	▲ 23%
Profit after taxes	€ 244,060 Profit after taxes 2022: € 244,060 First fiscal year in the series	€ 107,156 Profit after taxes 2023: € 107,156 ▼ 56% vs 2022 (€ 244,060) Unfavourable step	€ 169,413 Profit after taxes 2024: € 169,413 ▲ 58% vs 2023 (€ 107,156) Favourable step	€ 229,521 Profit after taxes 2025: € 229,521 ▲ 35% vs 2024 (€ 169,413) Favourable step	▲ 35%
Equity	€ 121,334 Equity 2022: € 121,334 First fiscal year in the series	€ 126,489 Equity 2023: € 126,489 ▲ 4% vs 2022 (€ 121,334) Favourable step	€ 130,903 Equity 2024: € 130,903 ▲ 3% vs 2023 (€ 126,489) Favourable step	€ 131,423 Equity 2025: € 131,423 Unchanged (€ 130,903) Favourable step
Total debts	€ 333,945 Total debts 2022: € 333,945 First fiscal year in the series	€ 782,799 Total debts 2023: € 782,799 ▲ 134% vs 2022 (€ 333,945) Unfavourable step	€ 720,973 Total debts 2024: € 720,973 ▼ 8% vs 2023 (€ 782,799) Favourable step	€ 905,053 Total debts 2025: € 905,053 ▲ 26% vs 2024 (€ 720,973) Unfavourable step	▲ 26%
Cash	€ 252,547 Cash 2022: € 252,547 First fiscal year in the series	€ 122,240 Cash 2023: € 122,240 ▼ 52% vs 2022 (€ 252,547) Unfavourable step	€ 72,969 Cash 2024: € 72,969 ▼ 40% vs 2023 (€ 122,240) Unfavourable step	€ 68,291 Cash 2025: € 68,291 ▼ 6% vs 2024 (€ 72,969) Unfavourable step	▼ 6%
Land & buildings	€ 1,177 Land & buildings 2022: € 1,177 First fiscal year in the series	€ 784 Land & buildings 2023: € 784 ▼ 33% vs 2022 (€ 1,177) Unchanged	€ 392 Land & buildings 2024: € 392 ▼ 50% vs 2023 (€ 784) Unchanged	€ 261 Land & buildings 2025: € 261 ▼ 33% vs 2024 (€ 392) Unchanged	▼ 33%
Retained profit	€ 59,334 Retained profit 2022: € 59,334 First fiscal year in the series	€ 64,489 Retained profit 2023: € 64,489 ▲ 9% vs 2022 (€ 59,334) Favourable step	€ 68,903 Retained profit 2024: € 68,903 ▲ 7% vs 2023 (€ 64,489) Favourable step	€ 69,423 Retained profit 2025: € 69,423 ▲ 1% vs 2024 (€ 68,903) Favourable step	▲ 1%
Dividend	€ 240,000 Dividend 2022: € 240,000 First fiscal year in the series	€ 102,000 Dividend 2023: € 102,000 ▼ 57% vs 2022 (€ 240,000) Unchanged	€ 165,000 Dividend 2024: € 165,000 ▲ 62% vs 2023 (€ 102,000) Unchanged	€ 229,000 Dividend 2025: € 229,000 ▲ 39% vs 2024 (€ 165,000) Unchanged	▲ 39%
Bank debt	€ 37,177 Bank debt 2022: € 37,177 First fiscal year in the series	€ 370,038 Bank debt 2023: € 370,038 ▲ € 332,861 vs 2022 (€ 37,177) Unfavourable step	€ 294,111 Bank debt 2024: € 294,111 ▼ 21% vs 2023 (€ 370,038) Favourable step	€ 215,359 Bank debt 2025: € 215,359 ▼ 27% vs 2024 (€ 294,111) Favourable step	▼ 27%
Balance sheet total	€ 455,279 Balance sheet total 2022: € 455,279 First fiscal year in the series	€ 909,288 Balance sheet total 2023: € 909,288 ▲ 100% vs 2022 (€ 455,279) Unchanged	€ 851,875 Balance sheet total 2024: € 851,875 ▼ 6% vs 2023 (€ 909,288) Unchanged	€ 1,036,476 Balance sheet total 2025: € 1,036,476 ▲ 22% vs 2024 (€ 851,875) Unchanged	▲ 22%
Employees (FTE)	4.9 Employees (FTE) 2022: 4.9 First fiscal year in the series	4.3 Employees (FTE) 2023: 4.3 ▼ 0.6 vs 2022 (4.9) Unchanged	4.1 Employees (FTE) 2024: 4.1 ▼ 0.2 vs 2023 (4.3) Unchanged	5 Employees (FTE) 2025: 5 ▲ 0.9 vs 2024 (4.1) Unchanged	▲ 0.9

Key figures of VERZEKERINGEN-SAERENS-ASSURANCES, 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-SAERENS-ASSURANCES?

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

2029 Sophie KELLER stepped down as director. NBB
2029 Braxos BV stepped down as director. NBB
2029 Didier KELLER stepped down as director. NBB
Aug 31, 2026 New annual accounts for financial year 2025: profit of € 229,521 (▲ 35% vs 2024). filed late Source: NBB ↗
2023 Sophie KELLER became a director. NBB
2023 Braxos BV became a director. NBB
2023 Didier KELLER became a director. NBB
Oct 24, 1984 New establishment in Koekelberg. KBO

In short

From € 244,060 profit in 2022 to € 229,521 profit in 2025.

Paid € 306,750 in corporate taxes since 2022.

Best year ever: 2022, with € 244,060 profit.

On average € 121,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

BRAXOS 100%

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

VERZEKERINGEN-SAERENS-ASSURANCES

A.C. INSURANCES 100%

The shares are held by BRAXOS (100%). It owns 100% of A.C. INSURANCES itself.

Directors

According to the 2025 annual accounts

Sophie KELLER

Director

Also active at: BRAXOS

since 2023 · until 2029

Braxos BV

Director · represented by Bram DELPORTE

since 2023 · until 2029

Didier KELLER

Director

Also active at: A.C. INSURANCES, SHENKIRA, SOPAX S.A.

since 2023 · until 2029

Shareholders

BRAXOS

100%

Participations

A.C. INSURANCES

100%

Establishments

Establishment units

Physical locations of this company

Registered office

Hogeweide 10

1730 Asse

2.026.020.786

Basilieklaan 325

1081 Koekelberg

Active since 24 October 1984

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

Details

Company number

0426.755.953

VAT number

BE 0426.755.953

Registered office

Hogeweide 10, 1730 Asse

Names & denominations

VERZEKERINGEN-SAERENS-ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

24 October 1984

Peppol

Active · Active since 24 Dec 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

VERZEKERINGEN-SAERENS-ASSURANCES

Warning lights

Financials

What happened to VERZEKERINGEN-SAERENS-ASSURANCES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Details

Frequently asked questions