What does GERARDY - Insurance Broker do?

GERARDY - Insurance Broker is an insurance broker in Aubel. Private Limited, started on 1 April 1984, 1 establishment.

What is the address of GERARDY - Insurance Broker?

The registered office of GERARDY - Insurance Broker is located at Rue de la Station 45, 4880 Aubel.

Is GERARDY - Insurance Broker still active?

Yes. According to the CBE (30 October 2026) GERARDY - Insurance Broker is active, legal situation “Normale toestand”, started on 1 April 1984.

Is GERARDY - Insurance Broker registered on Peppol?

Yes, GERARDY - Insurance Broker is registered on the Peppol network with ID 0208:0426875719.

What is the enterprise number of GERARDY - Insurance Broker?

The enterprise number of GERARDY - Insurance Broker is BE0426875719.

When was GERARDY - Insurance Broker founded?

GERARDY - Insurance Broker was founded on 1 April 1984.

Who are the directors of GERARDY - Insurance Broker?

According to the 2025 annual accounts, the directors of GERARDY - Insurance Broker are: VICHELLO SRL, DIE FLIEGENDE TAUBE SA.

Is GERARDY - Insurance Broker a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 April 1984; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did GERARDY - Insurance Broker make in 2025?

GERARDY - Insurance Broker posted a profit after taxes of € 1,467,463 in financial year 2025.

What is the revenue of GERARDY - Insurance Broker?

As a small company, GERARDY - Insurance Broker is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 3,168,513.

How much does an employee at GERARDY - Insurance Broker earn?

The average wage cost per full-time employee at GERARDY - Insurance Broker was € 79,600 in 2025: staff costs of € 1.2 million for 15 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does GERARDY - Insurance Broker have?

According to the 2025 annual accounts, GERARDY - Insurance Broker has 15 full-time equivalents (FTE).

Does GERARDY - Insurance Broker have a website?

Yes, GERARDY - Insurance Broker has a website at gerardyassurances.com.

GERARDY - Insurance Broker (Private Limited) - Aubel

Dossier GERARDY - Insurance Broker, printed on 30 October 2026 from databakkes.be/en/0426875719/gerardy-insurance-broker. 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 52 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

GERARDY - Insurance Broker from Aubel, company number BE0426875719, closed financial year 2025 with a result of € 1.5 million after tax. For that financial year GERARDY - Insurance Broker recorded a gross margin of € 3.2 million and equity of € 22,000. Compared with financial year 2024, the result moved from € 1.4 million to € 1.5 million. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 10, 2026.

What it is worth Healthy

€ 22,000

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

Profit Growing

€ 1.5 million

▲ 3% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 659,203

▼ 9% vs 2024

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

Where the profit goes Pays out

€ 1.5 million paid out

100 % of the profit went to the shareholders, mostly to VICHELLO (90 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

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

Wage cost

€ 1.2 million

▲ 17% vs 2024

€ 79,600 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.

Vehicles and equipment

€ 188,039

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 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.

€ 121,984

▼ 20% vs 2024

€ 30,580 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 10,824

▼ 94% vs 2024

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

Wages and social charges

€ 126,883

▲ 23% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 2,044,369 Gross margin 2022: € 2,044,369 First fiscal year in the series	€ 2,343,914 Gross margin 2023: € 2,343,914 ▲ 15% vs 2022 (€ 2,044,369) Favourable step	€ 2,911,051 Gross margin 2024: € 2,911,051 ▲ 24% vs 2023 (€ 2,343,914) Favourable step	€ 3,168,513 Gross margin 2025: € 3,168,513 ▲ 9% vs 2024 (€ 2,911,051) Favourable step	▲ 9%
Profit after taxes	€ 1,013,319 Profit after taxes 2022: € 1,013,319 First fiscal year in the series	€ 1,177,618 Profit after taxes 2023: € 1,177,618 ▲ 16% vs 2022 (€ 1,013,319) Favourable step	€ 1,428,845 Profit after taxes 2024: € 1,428,845 ▲ 21% vs 2023 (€ 1,177,618) Favourable step	€ 1,467,463 Profit after taxes 2025: € 1,467,463 ▲ 3% vs 2024 (€ 1,428,845) Favourable step	▲ 3%
Equity	€ 132,000 Equity 2022: € 132,000 First fiscal year in the series	€ 132,000 Equity 2023: € 132,000 Unchanged (€ 132,000) Unchanged	€ 22,000 Equity 2024: € 22,000 ▼ 83% vs 2023 (€ 132,000) Unfavourable step	€ 22,000 Equity 2025: € 22,000 Unchanged (€ 22,000) Unchanged
Total debts	€ 1,538,262 Total debts 2022: € 1,538,262 First fiscal year in the series	€ 1,656,258 Total debts 2023: € 1,656,258 ▲ 8% vs 2022 (€ 1,538,262) Unfavourable step	€ 1,854,133 Total debts 2024: € 1,854,133 ▲ 12% vs 2023 (€ 1,656,258) Unfavourable step	€ 1,727,281 Total debts 2025: € 1,727,281 ▼ 7% vs 2024 (€ 1,854,133) Favourable step	▼ 7%
Cash	€ 1,273,793 Cash 2022: € 1,273,793 First fiscal year in the series	€ 599,935 Cash 2023: € 599,935 ▼ 53% vs 2022 (€ 1,273,793) Unfavourable step	€ 726,885 Cash 2024: € 726,885 ▲ 21% vs 2023 (€ 599,935) Favourable step	€ 659,203 Cash 2025: € 659,203 ▼ 9% vs 2024 (€ 726,885) Unfavourable step	▼ 9%
Land & buildings	€ 45,908 Land & buildings 2022: € 45,908 First fiscal year in the series	€ 38,257 Land & buildings 2023: € 38,257 ▼ 17% vs 2022 (€ 45,908) Unchanged	€ 30,606 Land & buildings 2024: € 30,606 ▼ 20% vs 2023 (€ 38,257) Unchanged	€ 0 Land & buildings 2025: € 0 ▼ 100% vs 2024 (€ 30,606) Unchanged	▼ 100%
Retained profit	€ 12,000 Retained profit 2022: € 12,000 First fiscal year in the series	€ 12,000 Retained profit 2023: € 12,000 Unchanged (€ 12,000) Unchanged	€ 2,000 Retained profit 2024: € 2,000 ▼ 83% vs 2023 (€ 12,000) Unfavourable step	€ 2,000 Retained profit 2025: € 2,000 Unchanged (€ 2,000) Unchanged
Dividend	€ 1,013,319 Dividend 2022: € 1,013,319 First fiscal year in the series	€ 1,177,618 Dividend 2023: € 1,177,618 ▲ 16% vs 2022 (€ 1,013,319) Unchanged	€ 1,438,845 Dividend 2024: € 1,438,845 ▲ 22% vs 2023 (€ 1,177,618) Unchanged	€ 1,467,463 Dividend 2025: € 1,467,463 ▲ 2% vs 2024 (€ 1,438,845) Unchanged	▲ 2%
Bank debt	€ 211,464 Bank debt 2022: € 211,464 First fiscal year in the series	€ 182,009 Bank debt 2023: € 182,009 ▼ 14% vs 2022 (€ 211,464) Favourable step	€ 152,184 Bank debt 2024: € 152,184 ▼ 16% vs 2023 (€ 182,009) Favourable step	€ 121,984 Bank debt 2025: € 121,984 ▼ 20% vs 2024 (€ 152,184) Favourable step	▼ 20%
Balance sheet total	€ 1,670,262 Balance sheet total 2022: € 1,670,262 First fiscal year in the series	€ 1,788,258 Balance sheet total 2023: € 1,788,258 ▲ 7% vs 2022 (€ 1,670,262) Unchanged	€ 1,876,133 Balance sheet total 2024: € 1,876,133 ▲ 5% vs 2023 (€ 1,788,258) Unchanged	€ 1,749,281 Balance sheet total 2025: € 1,749,281 ▼ 7% vs 2024 (€ 1,876,133) Unchanged	▼ 7%
Employees (FTE)	11.3 Employees (FTE) 2022: 11.3 First fiscal year in the series	12.9 Employees (FTE) 2023: 12.9 ▲ 1.6 vs 2022 (11.3) Unchanged	15 Employees (FTE) 2024: 15 ▲ 2.1 vs 2023 (12.9) Unchanged	15 Employees (FTE) 2025: 15 Unchanged (15) Unchanged

Key figures of GERARDY - Insurance Broker, 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 GERARDY - Insurance Broker?

What happened at GERARDY - Insurance Broker in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Mar 10, 2026 New annual accounts for financial year 2025: profit of € 1.5 million (▲ 3% vs 2024). Source: NBB ↗
Apr 1, 1984 New establishment in Aubel. KBO
Apr 1, 1984 Start of the company according to the CBE. KBO

In short

From € 1 million profit in 2022 to € 1.5 million profit in 2025.

Paid € 1.1 million in corporate taxes since 2022.

Best year ever: 2025, with € 1.5 million profit.

On average € 211,200 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

VICHELLO 90%

DIE FLIEGENDE TAUBE 10%

The stake of VICHELLO, DIE FLIEGENDE TAUBE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

GERARDY - Insurance Broker

Behind GERARDY - Insurance Broker are VICHELLO SRL and DIE FLIEGENDE TAUBE SA. The shares are held by VICHELLO (90%) and DIE FLIEGENDE TAUBE (10%).

Directors

According to the 2025 annual accounts

VICHELLO SRL

Director · represented by Vincent Bloemen

DIE FLIEGENDE TAUBE SA

Director · represented by Laurent Gerardy

Shareholders

VICHELLO

90%

DIE FLIEGENDE TAUBE

10%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de la Station 45

4880 Aubel

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

COMMUNITAS

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

Website

HTTPS gerardyassurances.com

Technologies

ApacheAvadaContact Form 7Font AwesomeGoogle AnalyticsPHPWooCommerceWordPressYoast SEOjQueryreCAPTCHA

Domain

gerardyassurances.com

Registered

2013-10-28

Registrar

OVH sas

Expires

2026-10-28

Website info

HTTPS Ja

Languages FR

Features

Webshop Blog Contact page

Details

Company number

0426.875.719

VAT number

BE 0426.875.719

Registered office

Rue de la Station 45, 4880 Aubel

Names & denominations

GERARDY - Insurance Broker

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

1 April 1984

Peppol

Active · Active since 20 Jan 2026

Contact

gerardyassurances.com

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

GERARDY - Insurance Broker

Warning lights

Financials

What happened to GERARDY - Insurance Broker?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Website

Technologies

Domain

Website info

Features

Details

Frequently asked questions