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 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BAETEN VERZEKERINGEN from Sint-Truiden, company number BE0428038234, closed financial year 2025 with a result of € 111,797 after tax. For that financial year BAETEN VERZEKERINGEN recorded a gross margin of € 397,531 and equity of € 546,049. Compared with financial year 2024, the result moved from € 51,457 to € 111,797. 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 July 3, 2026.
€ 546,049
▲ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 111,797
▲ 117% vs 2024
Profit after tax over the fiscal year.
€ 28,457
▼ 76% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 42,660 paid out
38 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 160,638
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 38,577
▼ 14% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 185,686
▼ 15% vs 2024
€ 28,774 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 20,598
▲ € 18,554 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 64,101
▲ 57% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 282,103 | € 318,856 | € 318,867 | € 397,531 | ▲ 25% |
| Profit after taxes | € 20,838 | € 85,877 | € 51,457 | € 111,797 | ▲ 117% |
| Equity | € 378,578 | € 464,456 | € 476,913 | € 546,049 | ▲ 14% |
| Total debts | € 458,954 | € 454,873 | € 436,823 | € 427,583 | ▼ 2% |
| Cash | € 135,193 | € 215,857 | € 117,556 | € 28,457 | ▼ 76% |
| Land & buildings | € 199,992 | € 186,831 | € 173,671 | € 160,510 | ▼ 8% |
| Retained profit | € 316,605 | € 402,482 | € 414,939 | € 484,076 | ▲ 17% |
| Dividend | € 0 | € 0 | € 39,000 | € 42,660 | ▲ 9% |
| Bank debt | € 264,091 | € 248,931 | € 217,291 | € 185,686 | ▼ 15% |
| Balance sheet total | € 837,533 | € 919,329 | € 913,736 | € 973,633 | ▲ 7% |
Key figures of BAETEN VERZEKERINGEN, 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 BAETEN VERZEKERINGEN?
What happened at BAETEN VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 111,797 (▲ 117% vs 2024). Source: NBB ↗
- New establishment in Sint-Truiden. KBO
- Start of the company according to the CBE. KBO
In short
From € 20,838 profit in 2022 to € 111,797 profit in 2025.
Paid € 126,958 in corporate taxes since 2022.
Best year ever: 2025, with € 111,797 profit.
Paid out € 81,660 in dividends to the owners in total.
A new publication or filing at BAETEN VERZEKERINGEN? 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
Behind BAETEN VERZEKERINGEN are Wilfried Baeten, Dimitri Baeten and Cederique Baeten. Wilfried Baeten is also behind BAETEN DISTRIBUTIE & VERZEKERINGEN. Cederique Baeten is also behind G&T BELGIUM and SGB Invest.
Directors
According to the 2025 annual accounts
Dimitri Baeten
Director
Establishments
Establishment units
Physical locations of this company
Spaansebrugstraat 58
3800 Sint-Truiden
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 →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
LEASEWEB-NL-AMS-01 Netherlands, NL
Website info
Features
Security
Details
- Company number
- 0428.038.234
- VAT number
- BE 0428.038.234
- Registered office
- Spaansebrugstraat 58, 3800 Sint-Truiden
- Names & denominations
- BAETEN VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 13 February 1985
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten