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 28 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Verzekeringskantoor De Ruyck from Merelbeke-Melle, company number BE0431388890, closed financial year 2025 with a result of € 163,610 after tax. For that financial year Verzekeringskantoor De Ruyck recorded a gross margin of € 1 million and equity of € 784,079. Compared with financial year 2024, the result moved from € 126,854 to € 163,610. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 10, 2026.
€ 784,079
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 163,610
▲ 29% vs 2024
Profit after tax over the fiscal year.
€ 426,107
▲ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
61 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
7.7
▼ 1.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 564,537
▼ 19% vs 2024
€ 73,300 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.
€ 250,314
▲ 77% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.3 million
▲ 252% vs 2024
€ 165,463 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 665,253
▲ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 174,299
▲ 1% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 828,905 | € 1,100,225 | € 1,050,433 | € 1,011,394 | ▼ 4% |
| Profit after taxes | € 39,655 | € 177,108 | € 126,854 | € 163,610 | ▲ 29% |
| Equity | € 623,460 | € 765,568 | € 732,065 | € 784,079 | ▲ 7% |
| Total debts | € 1,153,130 | € 1,164,115 | € 1,299,688 | € 2,254,341 | ▲ 73% |
| Cash | € 498,597 | € 613,624 | € 383,052 | € 426,107 | ▲ 11% |
| Land & buildings | € 989,379 | € 997,428 | € 1,258,782 | € 2,128,902 | ▲ 69% |
| Retained profit | € 561,460 | € 703,568 | € 670,065 | € 722,079 | ▲ 8% |
| Dividend | € 45,000 | € 35,000 | € 150,000 | € 100,000 | ▼ 33% |
| Bank debt | € 271,408 | € 259,279 | € 355,604 | € 1,251,094 | ▲ 252% |
| Balance sheet total | € 1,834,409 | € 1,959,071 | € 2,049,873 | € 3,057,450 | ▲ 49% |
| Employees (FTE) | 9.4 | 9 | 9 | 7.7 | ▼ 1.3 |
Key figures of Verzekeringskantoor De Ruyck, 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 Verzekeringskantoor De Ruyck?
What happened at Verzekeringskantoor De Ruyck in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 163,610 (▲ 29% vs 2024). Source: NBB ↗
- ESTELLE DE RUYCK became a director. NBB
- New establishment in Gent. KBO
- New establishment in Merelbeke-Melle. KBO
- Start of the company according to the CBE. KBO
In short
From € 39,655 profit in 2022 to € 163,610 profit in 2025.
Paid € 316,567 in corporate taxes since 2022.
Best year ever: 2023, with € 177,108 profit.
On average € 131,300 of value added per employee in 2025.
A new publication or filing at Verzekeringskantoor De Ruyck? We notify you, reason included.
Follow Verzekeringskantoor De RuyckDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 Verzekeringskantoor De Ruyck is ESTELLE DE RUYCK.
Directors
According to the 2025 annual accounts
ESTELLE DE RUYCK
Managing director
since 2022
Establishments
Establishment units
Physical locations of this company
Hundelgemsesteenweg 1056 box A
9820 Merelbeke-Melle
Hundelgemsesteenweg 684 box 1
9820 Merelbeke-Melle
Active since 7 July 1987
Vogelmarkt 31B
9000 Gent
Active since 1 July 2008
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0431.388.890
- VAT number
- BE 0431.388.890
- Registered office
- Hundelgemsesteenweg 1056 bus A, 9820 Merelbeke-Melle
- Names & denominations
- Verzekeringskantoor De Ruyck
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 June 1987
- Peppol
- Active · Active since 3 Nov 2024
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten