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 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.
€ 131,423
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 229,521
▲ 35% vs 2024
Profit after tax over the fiscal year.
€ 68,291
▼ 6% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 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
5
▲ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 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
€ 215,359
▼ 27% vs 2024
€ 107,645 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 118,253
▲ € 89,737 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,697
▲ 20% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 559,831 | € 560,908 | € 492,811 | € 607,213 | ▲ 23% |
| Profit after taxes | € 244,060 | € 107,156 | € 169,413 | € 229,521 | ▲ 35% |
| Equity | € 121,334 | € 126,489 | € 130,903 | € 131,423 | |
| Total debts | € 333,945 | € 782,799 | € 720,973 | € 905,053 | ▲ 26% |
| Cash | € 252,547 | € 122,240 | € 72,969 | € 68,291 | ▼ 6% |
| Land & buildings | € 1,177 | € 784 | € 392 | € 261 | ▼ 33% |
| Retained profit | € 59,334 | € 64,489 | € 68,903 | € 69,423 | ▲ 1% |
| Dividend | € 240,000 | € 102,000 | € 165,000 | € 229,000 | ▲ 39% |
| Bank debt | € 37,177 | € 370,038 | € 294,111 | € 215,359 | ▼ 27% |
| Balance sheet total | € 455,279 | € 909,288 | € 851,875 | € 1,036,476 | ▲ 22% |
| Employees (FTE) | 4.9 | 4.3 | 4.1 | 5 | ▲ 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:
- Sophie KELLER stepped down as director. NBB
- Braxos BV stepped down as director. NBB
- Didier KELLER stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 229,521 (▲ 35% vs 2024). filed late Source: NBB ↗
- Sophie KELLER became a director. NBB
- Braxos BV became a director. NBB
- Didier KELLER became a director. NBB
- 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.
A new publication or filing at VERZEKERINGEN-SAERENS-ASSURANCES? We notify you, reason included.
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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 BRAXOS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VERZEKERINGEN-SAERENS-ASSURANCESThe shares are held by BRAXOS (100%). It owns 100% of A.C. INSURANCES itself.
Directors
According to the 2025 annual accounts
since 2023 · until 2029
Director · represented by Bram DELPORTE
since 2023 · until 2029
since 2023 · until 2029
Shareholders
100%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Hogeweide 10
1730 Asse
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