What does Dives verzekeringen do?

Dives verzekeringen is an insurance broker in Zele. Public Limited, started on 1 October 1988, 2 establishments.

What is the address of Dives verzekeringen?

The registered office of Dives verzekeringen is located at Langevelde 35, 9240 Zele.

Is Dives verzekeringen still active?

Yes. According to the CBE (30 October 2026) Dives verzekeringen is active, legal situation “Normale toestand”, started on 1 October 1988.

Is Dives verzekeringen registered on Peppol?

Yes, Dives verzekeringen is registered on the Peppol network with ID 0208:0435428149.

What is the enterprise number of Dives verzekeringen?

The enterprise number of Dives verzekeringen is BE0435428149.

When was Dives verzekeringen founded?

Dives verzekeringen was founded on 1 October 1988.

Who are the directors of Dives verzekeringen?

According to the 2026 annual accounts, the directors of Dives verzekeringen are: KOEN DE RIJCKE, LUKA DE RIJCKE.

Is Dives verzekeringen a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 October 1988; 5 annual accounts filed, latest fiscal year 2026; 2 directors known from the annual account; 2 establishments in the CBE.

How much profit did Dives verzekeringen make in 2026?

Dives verzekeringen posted a profit after taxes of € 409,953 in financial year 2026.

What is the revenue of Dives verzekeringen?

As a small company, Dives verzekeringen is not required to publish revenue in its annual accounts. In financial year 2026, its added value was € 1,077,257.

How much does an employee at Dives verzekeringen earn?

The average wage cost per full-time employee at Dives verzekeringen was € 61,000 in 2026: staff costs of € 274,396 for 4.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Dives verzekeringen have?

According to the 2026 annual accounts, Dives verzekeringen has 4.5 full-time equivalents (FTE).

Dives verzekeringen (Public Limited) - Zele

Dossier Dives verzekeringen, printed on 30 October 2026 from databakkes.be/en/0435428149/dives-verzekeringen. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 2026; threshold 65 %.

Financials

Financial year 2026

Dives verzekeringen from Zele, company number BE0435428149, closed financial year 2026 with a result of € 409,953 after tax. For that financial year Dives verzekeringen recorded a gross margin of € 1.1 million and equity of € 790,202. Compared with financial year 2025, the result moved from € 268,079 to € 409,953. 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 October 23, 2026.

What it is worth Growing

€ 790,202

▲ 58% vs 2025

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 409,953

▲ 53% vs 2025

Profit after tax over the fiscal year.

Cash in the bank

€ 39,920

▼ 56% vs 2025

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 120,500 paid out

29 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2026

Full-time equivalents

4.5

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 274,396

▲ 35% vs 2025

€ 61,000 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.

Vehicles and equipment

€ 205,372

▲ 18% vs 2025

Book value of vehicles, furniture and equipment.

Debts at end 2026

Bank debt ≈ 9 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 2.3 million

▼ 9% vs 2025

€ 261,832 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.

Owed to suppliers

€ 12,825

▼ 6% vs 2025

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 56,387

▼ 17% vs 2025

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2023	2024	2025	2026	Change 2025 → 2026
Gross margin	€ 357,458 Gross margin 2023: € 357,458 First fiscal year in the series	€ 387,567 Gross margin 2024: € 387,567 ▲ 8% vs 2023 (€ 357,458) Favourable step	€ 799,659 Gross margin 2025: € 799,659 ▲ 106% vs 2024 (€ 387,567) Favourable step	€ 1,077,257 Gross margin 2026: € 1,077,257 ▲ 35% vs 2025 (€ 799,659) Favourable step	▲ 35%
Profit after taxes	€ 1,439 Profit after taxes 2023: € 1,439 First fiscal year in the series	€ 591 Profit after taxes 2024: € 591 ▼ 59% vs 2023 (€ 1,439) Unfavourable step	€ 268,079 Profit after taxes 2025: € 268,079 ▲ € 267,488 vs 2024 (€ 591) Favourable step	€ 409,953 Profit after taxes 2026: € 409,953 ▲ 53% vs 2025 (€ 268,079) Favourable step	▲ 53%
Equity	€ 282,078 Equity 2023: € 282,078 First fiscal year in the series	€ 282,669 Equity 2024: € 282,669 Unchanged (€ 282,078) Favourable step	€ 500,748 Equity 2025: € 500,748 ▲ 77% vs 2024 (€ 282,669) Favourable step	€ 790,202 Equity 2026: € 790,202 ▲ 58% vs 2025 (€ 500,748) Favourable step	▲ 58%
Total debts	€ 624,475 Total debts 2023: € 624,475 First fiscal year in the series	€ 2,633,284 Total debts 2024: € 2,633,284 ▲ € 2 million vs 2023 (€ 624,475) Unfavourable step	€ 2,803,229 Total debts 2025: € 2,803,229 ▲ 6% vs 2024 (€ 2,633,284) Unfavourable step	€ 2,577,508 Total debts 2026: € 2,577,508 ▼ 8% vs 2025 (€ 2,803,229) Favourable step	▼ 8%
Cash	€ 157,968 Cash 2023: € 157,968 First fiscal year in the series	€ 217,153 Cash 2024: € 217,153 ▲ 37% vs 2023 (€ 157,968) Favourable step	€ 91,742 Cash 2025: € 91,742 ▼ 58% vs 2024 (€ 217,153) Unfavourable step	€ 39,920 Cash 2026: € 39,920 ▼ 56% vs 2025 (€ 91,742) Unfavourable step	▼ 56%
Land & buildings	€ 227,500 Land & buildings 2023: € 227,500 First fiscal year in the series	€ 721,458 Land & buildings 2024: € 721,458 ▲ 217% vs 2023 (€ 227,500) Unchanged	€ 919,090 Land & buildings 2025: € 919,090 ▲ 27% vs 2024 (€ 721,458) Unchanged	€ 883,925 Land & buildings 2026: € 883,925 ▼ 4% vs 2025 (€ 919,090) Unchanged	▼ 4%
Retained profit	€ 220,078 Retained profit 2023: € 220,078 First fiscal year in the series	€ 220,669 Retained profit 2024: € 220,669 Unchanged (€ 220,078) Favourable step	€ 438,748 Retained profit 2025: € 438,748 ▲ 99% vs 2024 (€ 220,669) Favourable step	€ 728,202 Retained profit 2026: € 728,202 ▲ 66% vs 2025 (€ 438,748) Favourable step	▲ 66%
Dividend	€ 0 Dividend 2023: € 0 First fiscal year in the series	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 50,000 Dividend 2025: € 50,000 Unchanged (€ 0) Unchanged	€ 120,500 Dividend 2026: € 120,500 ▲ 141% vs 2025 (€ 50,000) Unchanged	▲ 141%
Bank debt	€ 561,983 Bank debt 2023: € 561,983 First fiscal year in the series	€ 2,601,473 Bank debt 2024: € 2,601,473 ▲ € 2 million vs 2023 (€ 561,983) Unfavourable step	€ 2,541,475 Bank debt 2025: € 2,541,475 ▼ 2% vs 2024 (€ 2,601,473) Favourable step	€ 2,314,343 Bank debt 2026: € 2,314,343 ▼ 9% vs 2025 (€ 2,541,475) Favourable step	▼ 9%
Balance sheet total	€ 906,552 Balance sheet total 2023: € 906,552 First fiscal year in the series	€ 2,915,953 Balance sheet total 2024: € 2,915,953 ▲ 222% vs 2023 (€ 906,552) Unchanged	€ 3,303,977 Balance sheet total 2025: € 3,303,977 ▲ 13% vs 2024 (€ 2,915,953) Unchanged	€ 3,367,709 Balance sheet total 2026: € 3,367,709 ▲ 2% vs 2025 (€ 3,303,977) Unchanged	▲ 2%
Employees (FTE)	-	-	-	4.5 Employees (FTE) 2026: 4.5 First fiscal year in the series

Key figures of Dives 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 31 October 2027.

What happened to Dives verzekeringen?

What happened at Dives verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2029 KOEN DE RIJCKE stepped down as director. NBB
2029 LUKA DE RIJCKE stepped down as director. NBB
Oct 23, 2026 New annual accounts for financial year 2026: profit of € 409,953 (▲ 53% vs 2025). Source: NBB ↗
Apr 28, 2025 New establishment in Dendermonde. KBO
2023 KOEN DE RIJCKE became a director. NBB
2023 LUKA DE RIJCKE became a director. NBB
Nov 3, 1988 New establishment in Zele. KBO
Oct 1, 1988 Start of the company according to the CBE. KBO

In short

From € 1,439 profit in 2023 to € 409,953 profit in 2026.

Paid € 340,640 in corporate taxes since 2023.

Best year ever: 2026, with € 409,953 profit.

On average € 239,400 of value added per employee in 2026.

Original PDFs at the National Bank ↗

Management

KOEN DE RIJCKE 100%

Dives verzekeringen

MAKELAARSKANTOOR FRANS DE KINDER 100%

The shares are held by KOEN DE RIJCKE (100%). It owns 100% of MAKELAARSKANTOOR FRANS DE KINDER itself.

Directors

According to the 2026 annual accounts

KOEN DE RIJCKE

Managing director

Owns 100% directly

Also active at: MAKELAARSKANTOOR FRANS DE KINDER

since 2023 · until 2029

LUKA DE RIJCKE

Director

Also active at: MAKELAARSKANTOOR FRANS DE KINDER

since 2023 · until 2029

Shareholders

KOEN DE RIJCKE · director

100%

Participations

MAKELAARSKANTOOR FRANS DE KINDER

100%

Establishments

Establishment units

Physical locations of this company

Registered office

Langevelde 35

9240 Zele

2.373.002.357

Grootzand (GRE) 19 box d

9200 Dendermonde

Active since 28 April 2025

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 →

MAKELAARSKANTOOR FRANS DE KINDER same network

€ -605 gross margin · 2026

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0435.428.149
VAT number: BE 0435.428.149
Registered office: Langevelde 35, 9240 Zele
Names & denominations: Dives verzekeringen
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 1 October 1988
Peppol: Active · Active since 18 Jun 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗