What does B&V ADVIESGROEP do?

B&V ADVIESGROEP is an insurance broker in Wetteren. Public Limited, started on 10 December 1988, 2 establishments.

What is the address of B&V ADVIESGROEP?

The registered office of B&V ADVIESGROEP is located at Lange Bergstraat 16, 9230 Wetteren.

Is B&V ADVIESGROEP still active?

Yes. According to the CBE (29 October 2026) B&V ADVIESGROEP is active, legal situation “Normale toestand”, started on 10 December 1988.

Is B&V ADVIESGROEP registered on Peppol?

Yes, B&V ADVIESGROEP is registered on the Peppol network with ID 0208:0436044989.

What is the enterprise number of B&V ADVIESGROEP?

The enterprise number of B&V ADVIESGROEP is BE0436044989.

When was B&V ADVIESGROEP founded?

B&V ADVIESGROEP was founded on 10 December 1988.

Who are the directors of B&V ADVIESGROEP?

According to the 2025 annual accounts, the directors of B&V ADVIESGROEP are: Jens Quintelier, Christof Caubergs, Frederic Mons.

Is B&V ADVIESGROEP a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 10 December 1988; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 2 establishments in the CBE.

How much profit did B&V ADVIESGROEP make in 2025?

B&V ADVIESGROEP posted a profit after taxes of € 41,228 in financial year 2025.

What is the revenue of B&V ADVIESGROEP?

As a small company, B&V ADVIESGROEP is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 385,494.

How much does an employee at B&V ADVIESGROEP earn?

The average wage cost per full-time employee at B&V ADVIESGROEP was € 69,500 in 2025: staff costs of € 215,405 for 3.1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does B&V ADVIESGROEP have?

According to the 2025 annual accounts, B&V ADVIESGROEP has 3.1 full-time equivalents (FTE).

B&V ADVIESGROEP (Public Limited) - Wetteren

Dossier B&V ADVIESGROEP, printed on 29 October 2026 from databakkes.be/en/0436044989/b-v-adviesgroep. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

B&V ADVIESGROEP from Wetteren, company number BE0436044989, closed financial year 2025 with a result of € 41,228 after tax. For that financial year B&V ADVIESGROEP recorded a gross margin of € 385,494 and equity of € 143,262. Compared with financial year 2024, the result moved from € 15,260 to € 41,228. 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 June 29, 2026.

What it is worth Growing

€ 143,262

▲ 40% vs 2024

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

Profit Growing

€ 41,228

▲ 170% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 4,897

▼ 56% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € -18,738.

People and assets in 2025

Full-time equivalents

3.1

▼ 0.5 vs 2024

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

Wage cost

€ 215,405

▼ 13% vs 2024

€ 69,500 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.

Vehicles and equipment

€ 13,193

▼ 2% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 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.

€ 452,069

▼ 14% vs 2024

€ 102,225 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 81,683

▲ 5% vs 2024

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

Taxes and wages

€ 16,965

▼ 54% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 299,323 Gross margin 2022: € 299,323 First fiscal year in the series	€ 377,302 Gross margin 2023: € 377,302 ▲ 26% vs 2022 (€ 299,323) Favourable step	€ 390,887 Gross margin 2024: € 390,887 ▲ 4% vs 2023 (€ 377,302) Favourable step	€ 385,494 Gross margin 2025: € 385,494 ▼ 1% vs 2024 (€ 390,887) Unfavourable step	▼ 1%
Profit after taxes	€ -131,659 Profit after taxes 2022: € -131,659 First fiscal year in the series	€ -31,638 Profit after taxes 2023: € -31,638 ▲ € 100,022 vs 2022 (€ -131,659) Favourable step	€ 15,260 Profit after taxes 2024: € 15,260 ▲ € 46,898 vs 2023 (€ -31,638) Favourable step	€ 41,228 Profit after taxes 2025: € 41,228 ▲ 170% vs 2024 (€ 15,260) Favourable step	▲ 170%
Equity	€ 18,412 Equity 2022: € 18,412 First fiscal year in the series	€ -13,226 Equity 2023: € -13,226 ▼ € 31,638 vs 2022 (€ 18,412) Unfavourable step	€ 102,034 Equity 2024: € 102,034 ▲ € 115,260 vs 2023 (€ -13,226) Favourable step	€ 143,262 Equity 2025: € 143,262 ▲ 40% vs 2024 (€ 102,034) Favourable step	▲ 40%
Total debts	€ 1,099,006 Total debts 2022: € 1,099,006 First fiscal year in the series	€ 1,043,824 Total debts 2023: € 1,043,824 ▼ 5% vs 2022 (€ 1,099,006) Favourable step	€ 911,892 Total debts 2024: € 911,892 ▼ 13% vs 2023 (€ 1,043,824) Favourable step	€ 715,893 Total debts 2025: € 715,893 ▼ 21% vs 2024 (€ 911,892) Favourable step	▼ 21%
Cash	€ 131,969 Cash 2022: € 131,969 First fiscal year in the series	€ 24,494 Cash 2023: € 24,494 ▼ 81% vs 2022 (€ 131,969) Unfavourable step	€ 11,105 Cash 2024: € 11,105 ▼ 55% vs 2023 (€ 24,494) Unfavourable step	€ 4,897 Cash 2025: € 4,897 ▼ 56% vs 2024 (€ 11,105) Unfavourable step	▼ 56%
Land & buildings	€ 2,510 Land & buildings 2022: € 2,510 First fiscal year in the series	€ 2,229 Land & buildings 2023: € 2,229 ▼ 11% vs 2022 (€ 2,510) Unchanged	€ 1,948 Land & buildings 2024: € 1,948 ▼ 13% vs 2023 (€ 2,229) Unchanged	€ 1,667 Land & buildings 2025: € 1,667 ▼ 14% vs 2024 (€ 1,948) Unchanged	▼ 14%
Retained profit	€ -43,588 Retained profit 2022: € -43,588 First fiscal year in the series	€ -75,226 Retained profit 2023: € -75,226 ▼ € 31,638 vs 2022 (€ -43,588) Unfavourable step	€ -59,966 Retained profit 2024: € -59,966 ▲ € 15,260 vs 2023 (€ -75,226) Favourable step	€ -18,738 Retained profit 2025: € -18,738 ▲ € 41,228 vs 2024 (€ -59,966) Favourable step	▲ € 41,228
Bank debt	€ 840,058 Bank debt 2022: € 840,058 First fiscal year in the series	€ 742,384 Bank debt 2023: € 742,384 ▼ 12% vs 2022 (€ 840,058) Favourable step	€ 525,223 Bank debt 2024: € 525,223 ▼ 29% vs 2023 (€ 742,384) Favourable step	€ 452,069 Bank debt 2025: € 452,069 ▼ 14% vs 2024 (€ 525,223) Favourable step	▼ 14%
Balance sheet total	€ 1,117,417 Balance sheet total 2022: € 1,117,417 First fiscal year in the series	€ 1,030,598 Balance sheet total 2023: € 1,030,598 ▼ 8% vs 2022 (€ 1,117,417) Unchanged	€ 1,013,926 Balance sheet total 2024: € 1,013,926 ▼ 2% vs 2023 (€ 1,030,598) Unchanged	€ 859,155 Balance sheet total 2025: € 859,155 ▼ 15% vs 2024 (€ 1,013,926) Unchanged	▼ 15%
Employees (FTE)	4.2 Employees (FTE) 2022: 4.2 First fiscal year in the series	3.6 Employees (FTE) 2023: 3.6 ▼ 0.6 vs 2022 (4.2) Unchanged	3.6 Employees (FTE) 2024: 3.6 Unchanged (3.6) Unchanged	3.1 Employees (FTE) 2025: 3.1 ▼ 0.5 vs 2024 (3.6) Unchanged	▼ 0.5

Key figures of B&V ADVIESGROEP, 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 B&V ADVIESGROEP?

What happened at B&V ADVIESGROEP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2032 Jens Quintelier stepped down as director. NBB
2028 Christof Caubergs stepped down as director. NBB
2028 Frederic Mons stepped down as director. NBB
Sep 1, 2026 New establishment in Nieuwpoort. KBO
Jun 29, 2026 New annual accounts for financial year 2025: profit of € 41,228 (▲ 170% vs 2024). Source: NBB ↗
2026 Jens Quintelier became a director. NBB
2022 Christof Caubergs became a director. NBB
2022 Frederic Mons became a director. NBB

In short

From € 131,659 loss in 2022 to € 41,228 profit in 2025.

Paid € 5,436 in corporate taxes since 2022.

Best year ever: 2025, with € 41,228 profit.

On average € 124,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

CEF² HOLDING 100%

C-STRATEGY 100%

The stake of CEF² HOLDING, C-STRATEGY comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

B&V ADVIESGROEP

The shares are held by CEF² HOLDING (100%) and C-STRATEGY (100%).

Directors

According to the 2025 annual accounts

Jens Quintelier

Director

Also active at: B&V Zakenkantoor, Quintelier Management

since 2026 · until 2032

Christof Caubergs

Director

Also active at: B&V Zakenkantoor, CEF² HOLDING, C-STRATEGY

since 2022 · until 2028

Frederic Mons

Director

Also active at: CEF² HOLDING

since 2022 · until 2028

Shareholders

CEF² HOLDING

100%

C-STRATEGY

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Lange Bergstraat 16

9230 Wetteren

2.392.948.131

Marktplein 3

8620 Nieuwpoort

Active since 1 September 2026

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

B&V Zakenkantoor same network

€ 252,907 gross margin · 2025

CEF² HOLDING same network

€ -484 gross margin · 2025

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

Details

Company number: 0436.044.989
VAT number: BE 0436.044.989
Registered office: Lange Bergstraat 16, 9230 Wetteren
Names & denominations: B&V ADVIESGROEP
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 10 December 1988
Peppol: Active · Active since 26 Nov 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗

B&V ADVIESGROEP

Financials

What happened to B&V ADVIESGROEP?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions