Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
LRS Insurance from Geel, company number BE0433343936, closed financial year 2025 with a result of € -71,737 after tax. For that financial year LRS Insurance recorded revenue of € 10.1 million and equity of € -4,087. Compared with financial year 2024, the result moved from € -587,506 to € -71,737. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 16, 2026.
€ -4,087
▼ € 1.3 million vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -71,737
▲ 88 % less loss than in 2024
Profit after tax over the fiscal year.
€ 3.6 million
▲ 60% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -65,587.
People and assets in 2025
64.3
▼ 6.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 6.3 million
▼ 7% vs 2024
€ 98,500 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.
€ 44,557
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 4.8 million
▲ 13% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 377 days on average.
€ 1.2 million
▼ 36% 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 | |
|---|---|---|---|---|---|
| Revenue | € 10,385,765 | € 10,997,564 | € 11,694,043 | € 10,129,835 | ▼ 13% |
| Profit after taxes | € -1,343,999 | € -734,454 | € -587,506 | € -71,737 | ▲ € 515,770 |
| Equity | € 1,399,290 | € 1,864,835 | € 1,277,329 | € -4,087 | ▼ € 1.3 million |
| Total debts | € 8,159,846 | € 7,810,060 | € 8,179,593 | € 6,160,393 | ▼ 25% |
| Cash | € 3,511,386 | € 2,449,215 | € 2,273,456 | € 3,640,167 | ▲ 60% |
| Retained profit | € -1,004,347 | € -1,738,801 | € -2,326,307 | € -65,587 | ▲ € 2.3 million |
| Balance sheet total | € 9,586,936 | € 9,707,895 | € 9,484,822 | € 6,181,706 | ▼ 35% |
| Employees (FTE) | 76.4 | 71.3 | 70.4 | 64.3 | ▼ 6.1 |
Key figures of LRS Insurance, 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 LRS Insurance?
What happened at LRS Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sabrina Veiders stepped down as director. NBB
- Ludovic Theate stepped down as director. NBB
- Paul Liekens stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 71,737. Source: NBB ↗
- Laurent Simon stepped down as director. NBB
- Serge Martin stepped down as director. NBB
- Philip Da Costa Senior stepped down as director. NBB
- Sabrina Veiders became a director. NBB
In short
From € 1.3 million loss in 2022 to € 71,737 loss in 2025.
Paid € 32,511 in corporate taxes since 2022.
A new publication or filing at LRS Insurance? We notify you, reason included.
Follow LRS InsuranceDatabakkes 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
The stake of Liantis invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LRS InsuranceThe shares are held by Liantis invest (100%).
Directors
According to the 2025 annual accounts
Sabrina Veiders
Managing director
Also active at: Caisse de Prévoyance des Indépendants et des Entreprises
since 2025 · until 2031
Ludovic Theate
Chairman of the board
since 2025 · until 2031
Paul Liekens
Director
since 2025 · until 2031
since 2025 · until 2025
since 2025 · until 2025
Philip Da Costa Senior
Director
since 2025 · until 2025
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Diestseweg 7
2440 Geel
Jan Breydellaan 107
8200 Brugge
Active since 22 March 2000
Diestsevest 82
3000 Leuven
Active since 10 January 2012
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
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0433.343.936
- VAT number
- BE 0433.343.936
- Registered office
- Diestseweg 7, 2440 Geel
- Names & denominations
- LRS Insurance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 February 1988
- Peppol
- Active · Active since 27 Jul 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten