Financials
Financial year 2026
ERARD VERZEKERINGEN from Langemark-Poelkapelle, company number BE0434821504, closed financial year 2026 with a result of € 1 million after tax. For that financial year ERARD VERZEKERINGEN recorded a gross margin of € 1.6 million and equity of € 4.4 million. Compared with financial year 2025, the result moved from € 851,686 to € 1 million. Profitable, and profit is growing. 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 September 22, 2026.
€ 4.4 million
▼ 14% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1 million
▲ 20% vs 2025
Profit after tax over the fiscal year.
€ 4.2 million
▼ 5% vs 2025
Cash and bank balances on the last day of the fiscal year.
€ 1.7 million paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2026
6.5
Average over the fiscal year, from the social balance sheet.
€ 328,097
▲ 19% vs 2025
€ 50,500 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.
€ 19,501
▼ 50% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
None
No bank loans on the last day of the fiscal year.
€ 320
▲ 17% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 73,625
▼ 40% vs 2025
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 1,308,117 | € 1,422,730 | € 1,500,535 | € 1,644,025 | ▲ 10% |
| Profit after taxes | € 691,682 | € 794,970 | € 851,686 | € 1,024,366 | ▲ 20% |
| Equity | € 3,527,266 | € 4,322,237 | € 5,140,923 | € 4,427,877 | ▼ 14% |
| Total debts | € 98,554 | € 125,047 | € 128,205 | € 1,786,558 | ▲ € 1.7 million |
| Cash | € 2,980,666 | € 3,857,061 | € 4,459,984 | € 4,219,323 | ▼ 5% |
| Land & buildings | € 264,143 | € 225,805 | € 207,567 | € 169,228 | ▼ 18% |
| Retained profit | € 3,459,044 | € 4,254,014 | € 5,078,949 | € 4,365,904 | ▼ 14% |
| Dividend | € 0 | € 0 | € 33,000 | € 1,737,411 | ▲ € 1.7 million |
| Balance sheet total | € 3,625,821 | € 4,447,284 | € 5,269,128 | € 6,214,436 | ▲ 18% |
| Employees (FTE) | 4.7 | 4.5 | 6.5 | 6.5 |
Key figures of ERARD VERZEKERINGEN, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 30 January 2028.
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 2026: profit of € 1 million (▲ 20% vs 2025). 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 € 691,682 profit in 2023 to € 1 million profit in 2026.
Paid € 1.4 million in corporate taxes since 2023.
Best year ever: 2026, with € 1 million profit.
On average € 252,900 of value added per employee in 2026.
Management
Behind ERARD VERZEKERINGEN are Joris Erard and Bruno Erard.
Directors
According to the 2026 annual accounts
Joris Erard
Director
since 2025
Bruno Erard
Managing director
since 2025
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