Financials
Financial year 2025
ERARD VERZEKERINGEN from Langemark-Poelkapelle, company number BE0434821504, closed financial year 2025 with a result of € 851,686 after tax. For that financial year ERARD VERZEKERINGEN recorded a gross margin of € 1.5 million and equity of € 5.1 million. Compared with financial year 2024, the result moved from € 794,970 to € 851,686. 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 December 18, 2025.
€ 5.1 million
▲ 19% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 851,686
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 4.5 million
▲ 16% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 33,000 paid out
4 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6.5
▲ 2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 276,756
▲ 21% vs 2024
€ 42,600 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.
€ 39,207
▼ 24% 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.
€ 273
▲ 84% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 123,051
▲ 3% 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 | € 1,299,438 | € 1,308,117 | € 1,422,730 | € 1,500,535 | ▲ 5% |
| Profit after taxes | € 655,864 | € 691,682 | € 794,970 | € 851,686 | ▲ 7% |
| Equity | € 2,835,584 | € 3,527,266 | € 4,322,237 | € 5,140,923 | ▲ 19% |
| Total debts | € 70,748 | € 98,554 | € 125,047 | € 128,205 | ▲ 3% |
| Cash | € 2,211,236 | € 2,980,666 | € 3,857,061 | € 4,459,984 | ▲ 16% |
| Land & buildings | € 305,831 | € 264,143 | € 225,805 | € 207,567 | ▼ 8% |
| Retained profit | € 2,767,362 | € 3,459,044 | € 4,254,014 | € 5,078,949 | ▲ 19% |
| Dividend | € 0 | € 0 | € 0 | € 33,000 | |
| Balance sheet total | € 2,906,332 | € 3,625,821 | € 4,447,284 | € 5,269,128 | ▲ 18% |
| Employees (FTE) | 6.1 | 4.7 | 4.5 | 6.5 | ▲ 2 |
Key figures of ERARD 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 30 January 2027.
What happened to ERARD VERZEKERINGEN?
What happened at ERARD 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 € 851,686 (▲ 7% vs 2024). Source: NBB ↗
- Joris Erard became a director. NBB
- Bruno Erard became a director. NBB
- New establishment in Langemark-Poelkapelle. KBO
- Start of the company according to the CBE. KBO
In short
From € 655,864 profit in 2022 to € 851,686 profit in 2025.
Paid € 1.4 million in corporate taxes since 2022.
Best year ever: 2025, with € 851,686 profit.
On average € 230,900 of value added per employee in 2025.
A new publication or filing at ERARD VERZEKERINGEN? We notify you, reason included.
Follow ERARD VERZEKERINGENDatabakkes 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 ERARD VERZEKERINGEN are Joris Erard and Bruno Erard. The shares are held by Joris Erard and Bruno Erard.
Directors
According to the 2025 annual accounts
Joris Erard
Director
since 2025
Bruno Erard
Managing director
Is a shareholder
since 2025
Shareholders
Joris Erard
Bruno Erard · director
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Nieuwe Kalsijde 5b
8920 Langemark-Poelkapelle
Nieuwe Kalsijde 5 box B
8920 Langemark-Poelkapelle
Active since 3 August 1988
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
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
DSTNY-BACKBONE International Backbone, BE
Domain
Domain
erard.org
Registered
2000-03-24
Registrar
Ascio Technologies, Inc. Danmark - Filial af Ascio technologies, Inc. USA
Expires
2026-03-24
Website info
Features
Security
Details
- Company number
- 0434.821.504
- VAT number
- BE 0434.821.504
- Registered office
- Nieuwe Kalsijde 5b, 8920 Langemark-Poelkapelle
- Names & denominations
- ERARD VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 July 1988
- Peppol
- Active · Active since 8 Dec 2025
- Contact
- erard.org [email protected] 057/485757
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten