Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
INSURA BEHEER from Zulte, company number BE0435434483, closed financial year 2025 with a result of € 19,731 after tax. For that financial year INSURA BEHEER recorded a gross margin of € 42,499 and equity of € 219,040. Compared with financial year 2024, the result moved from € -1,535 to € 19,731. 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 August 27, 2026.
€ 219,040
▼ 49% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 19,731
▲ still € 1,535 loss in 2024
Profit after tax over the fiscal year.
€ 108,023
▲ € 106,356 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 230,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 56,712
▼ 17% vs 2024
€ 16,296 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 54,826
▼ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,536
▲ 121% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 114,744 | € 10,918 | € 14,004 | € 42,499 | ▲ 203% |
| Profit after taxes | € 80,959 | € -1,256 | € -1,535 | € 19,731 | ▲ € 21,265 |
| Equity | € 432,100 | € 430,844 | € 429,310 | € 219,040 | ▼ 49% |
| Total debts | € 159,788 | € 204,751 | € 205,040 | € 195,270 | ▼ 5% |
| Cash | € 404 | € 162 | € 1,667 | € 108,023 | ▲ € 106,356 |
| Land & buildings | € 112,531 | € 108,035 | € 103,540 | € 99,045 | ▼ 4% |
| Retained profit | € 370,100 | € 368,844 | € 367,310 | € 157,040 | ▼ 57% |
| Dividend | € 0 | € 0 | € 0 | € 230,000 | |
| Bank debt | € 60,878 | € 83,243 | € 68,347 | € 56,712 | ▼ 17% |
| Balance sheet total | € 626,647 | € 669,814 | € 668,027 | € 447,447 | ▼ 33% |
Key figures of INSURA BEHEER, 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 INSURA BEHEER?
What happened at INSURA BEHEER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 19,731. filed late Source: NBB ↗
- New establishment in Zulte. KBO
- Start of the company according to the CBE. KBO
In short
From € 80,959 profit in 2022 to € 19,731 profit in 2025.
Paid € 40,228 in corporate taxes since 2022.
Best year ever: 2022, with € 80,959 profit.
Paid out € 230,000 in dividends to the owners in total.
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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 INSURA BEHEER are Carine Bergez and Yves Lenaerts. It owns 50% of Insura itself.
Directors
According to the 2025 annual accounts
Yves Lenaerts
Director
Also active at: Leen-, Verzekerings-, Beleggingskantoor, Lencor, KENSINGTON, INSURA
Establishments
Establishment units
Physical locations of this company
Grote Steenweg 208
9870 Zulte
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.
Details
- Company number
- 0435.434.483
- VAT number
- BE 0435.434.483
- Registered office
- Grote Steenweg 208, 9870 Zulte
- Names & denominations
- INSURA BEHEER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 October 1988
- Peppol
- Not registered