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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Figures corrected NBB
Corrected annual account filed for 2022.
Financials
Financial year 2025
CONFIDEO VERZEKERINGEN from Hasselt, company number BE0428697141, closed financial year 2025 with a result of € 377,231 after tax. For that financial year CONFIDEO VERZEKERINGEN recorded a gross margin of € 1.8 million and equity of € 1.6 million. Compared with financial year 2024, the result moved from € 445,316 to € 377,231. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 13, 2026.
€ 1.6 million
▼ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 377,231
▼ 15% vs 2024
Profit after tax over the fiscal year.
€ 107,630
▲ 101% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 500,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
12.9
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▲ 7% vs 2024
€ 85,400 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.
€ 36,217
▲ 9% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.1 million
▼ 5% vs 2024
€ 73,342 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 33,470
▼ 33% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 518,401
▲ 11% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,700,500 | € 1,634,146 | € 1,814,325 | € 1,788,368 | ▼ 1% |
| Profit after taxes | € 208,682 | € 228,835 | € 445,316 | € 377,231 | ▼ 15% |
| Equity | € 1,066,238 | € 1,295,073 | € 1,740,389 | € 1,617,620 | ▼ 7% |
| Total debts | € 2,471,020 | € 2,226,618 | € 2,167,190 | € 2,181,494 | ▲ 1% |
| Cash | € 56,012 | € 103,403 | € 53,676 | € 107,630 | ▲ 101% |
| Land & buildings | € 102,769 | € 88,541 | € 0 | - | |
| Retained profit | € 733,612 | € 962,447 | € 1,407,763 | € 1,284,994 | ▼ 9% |
| Dividend | € 0 | € 0 | € 0 | € 500,000 | |
| Bank debt | € 1,548,763 | € 1,322,498 | € 1,167,948 | € 1,109,498 | ▼ 5% |
| Balance sheet total | € 3,537,258 | € 3,521,691 | € 3,907,579 | € 3,799,113 | ▼ 3% |
| Employees (FTE) | 15.8 | 13.8 | 12.7 | 12.9 | ▲ 0.2 |
Key figures of CONFIDEO 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 CONFIDEO VERZEKERINGEN?
What happened at CONFIDEO 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 € 377,231 (▼ 15% vs 2024). Source: NBB ↗
- Wouter Proesmans became a director. NBB
- New establishment in Tongeren-Borgloon. KBO
- Anne-Catherine Triest became a director. NBB
- Maarten Malfroid became a director. NBB
- Gustaaf Proesmans became a director. NBB
- New establishment in Hasselt. KBO
- Start of the company according to the CBE. KBO
In short
From € 208,682 profit in 2022 to € 377,231 profit in 2025.
Paid € 602,146 in corporate taxes since 2022.
Best year ever: 2024, with € 445,316 profit.
On average € 138,600 of value added per employee in 2025.
A new publication or filing at CONFIDEO 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
The stake of CONFIDEO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CONFIDEO VERZEKERINGENBehind CONFIDEO VERZEKERINGEN are Anne-Catherine Triest, Maarten Malfroid, Gustaaf Proesmans and Wouter Proesmans. The shares are held by CONFIDEO (100%).
Directors
According to the 2025 annual accounts
Anne-Catherine Triest
Director
Also active at: Den Diel, CONFIDEO PATRIMONIUM, CONFIDEO FINANCE, GAVRA IMMO, AVANTRI, OBSIDO, Sunscreen, STAC
since 2019
since 2019
since 2016
since 2022
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Maastrichtersteenweg 208 box 2
3500 Hasselt
Maastrichtersteenweg 208
3500 Hasselt
Active since 8 April 1986
Bilzersteenweg 314
3700 Tongeren-Borgloon
Active since 30 September 2019
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0428.697.141
- VAT number
- BE 0428.697.141
- Registered office
- Maastrichtersteenweg 208 bus 2, 3500 Hasselt
- Names & denominations
- CONFIDEO VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 March 1986
- Peppol
- Active · Active since 6 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten