Financials
Financial year 2025
Marcel Caenen Verzekeringen from Lanaken, company number BE0436071517, closed financial year 2025 with a result of € 115,342 after tax. For that financial year Marcel Caenen Verzekeringen recorded a gross margin of € 560,113 and equity of € 713,733. Compared with financial year 2024, the result moved from € 118,934 to € 115,342. The company is profitable. 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 June 15, 2026.
€ 713,733
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 115,342
▼ 3% vs 2024
Profit after tax over the fiscal year.
€ 167,328
▲ 123% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
87 % of the profit went to the shareholders, mostly to CALEMCA (100 % of the shares). That is where the money ends up.
People and assets in 2025
4.4
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 273,824
▲ 1% vs 2024
€ 62,200 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.
€ 116,923
▼ 36% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2,033
▼ 80% vs 2024
Loans from banks and other lenders, long and short.
€ 40,453
▼ 56% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 38,061
▼ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 487,239 | € 504,167 | € 559,141 | € 560,113 | |
| Profit after taxes | € 121,815 | € 124,892 | € 118,934 | € 115,342 | ▼ 3% |
| Equity | € 809,565 | € 834,457 | € 698,391 | € 713,733 | ▲ 2% |
| Total debts | € 141,690 | € 270,417 | € 417,247 | € 211,071 | ▼ 49% |
| Cash | € 97,703 | € 132,807 | € 74,970 | € 167,328 | ▲ 123% |
| Land & buildings | € 566,594 | € 514,832 | € 466,607 | € 418,763 | ▼ 10% |
| Retained profit | € 790,973 | € 815,865 | € 679,799 | € 695,141 | ▲ 2% |
| Dividend | € 0 | € 100,000 | € 255,000 | € 100,000 | ▼ 61% |
| Bank debt | € 26,159 | € 18,173 | € 10,132 | € 2,033 | ▼ 80% |
| Balance sheet total | € 951,255 | € 1,104,874 | € 1,115,638 | € 924,804 | ▼ 17% |
| Employees (FTE) | 3.5 | 3.8 | 4.8 | 4.4 | ▼ 0.4 |
Key figures of Marcel Caenen 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 31 July 2027.
What happened to Marcel Caenen Verzekeringen?
What happened at Marcel Caenen 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 € 115,342 (▼ 3% vs 2024). Source: NBB ↗
- Marcel Caenen became a director. NBB
- Calemca BV became a director. NBB
- Marcel Caenen BV became a director. NBB
- New establishment in Lanaken. KBO
- Start of the company according to the CBE. KBO
In short
From € 121,815 profit in 2022 to € 115,342 profit in 2025.
Paid € 190,755 in corporate taxes since 2022.
Best year ever: 2023, with € 124,892 profit.
On average € 127,300 of value added per employee in 2025.
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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
The stake of CALEMCA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Marcel Caenen VerzekeringenBehind Marcel Caenen Verzekeringen are Marcel Caenen BV, Calemca BV and Marcel Caenen. The shares are held by CALEMCA (99.9%).
Directors
According to the 2025 annual accounts
since 2003
since 2019
since 2023
Shareholders
99.9%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Steenweg 150
3621 Lanaken
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0436.071.517
- VAT number
- BE 0436.071.517
- Registered office
- Steenweg 150, 3621 Lanaken
- Names & denominations
- Marcel Caenen Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 December 1988
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Activiteiten van holdings
Verstrekken van hypothecair krediet
Handel in eigen onroerend goed
Holdings