What does Zakenkantoor Filip Verstraeten do?

Zakenkantoor Filip Verstraeten is an insurance broker in Sint-Niklaas. Public Limited, started on 30 December 1988, 1 establishment.

What is the address of Zakenkantoor Filip Verstraeten?

The registered office of Zakenkantoor Filip Verstraeten is located at Parklaan 49, 9100 Sint-Niklaas.

Is Zakenkantoor Filip Verstraeten still active?

Yes. According to the CBE (30 September 2026) Zakenkantoor Filip Verstraeten is active, legal situation “Normale toestand”, started on 30 December 1988.

Is Zakenkantoor Filip Verstraeten registered on Peppol?

Yes, Zakenkantoor Filip Verstraeten is registered on the Peppol network with ID 0208:0436374195.

What is the enterprise number of Zakenkantoor Filip Verstraeten?

The enterprise number of Zakenkantoor Filip Verstraeten is BE0436374195.

When was Zakenkantoor Filip Verstraeten founded?

Zakenkantoor Filip Verstraeten was founded on 30 December 1988.

Who are the directors of Zakenkantoor Filip Verstraeten?

According to the 2025 annual accounts, the directors of Zakenkantoor Filip Verstraeten are: Filip Verstraeten.

Is Zakenkantoor Filip Verstraeten a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 December 1988; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did Zakenkantoor Filip Verstraeten make in 2025?

Zakenkantoor Filip Verstraeten posted a profit after taxes of € 152,964 in financial year 2025.

What is the revenue of Zakenkantoor Filip Verstraeten?

As a small company, Zakenkantoor Filip Verstraeten is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 681,304.

How much does an employee at Zakenkantoor Filip Verstraeten earn?

The average wage cost per full-time employee at Zakenkantoor Filip Verstraeten was € 58,900 in 2025: staff costs of € 329,761 for 5.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Zakenkantoor Filip Verstraeten have?

According to the 2025 annual accounts, Zakenkantoor Filip Verstraeten has 5.6 full-time equivalents (FTE).

Zakenkantoor Filip Verstraeten (Public Limited)

Dossier Zakenkantoor Filip Verstraeten, printed on 30 September 2026 from databakkes.be/en/0436374195/zakenkantoor-filip-verstraeten. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Zakenkantoor Filip Verstraeten from Sint-Niklaas, company number BE0436374195, closed financial year 2025 with a result of € 152,964 after tax. For that financial year Zakenkantoor Filip Verstraeten recorded a gross margin of € 681,304 and equity of € 1.1 million. Compared with financial year 2024, the result moved from € 209,466 to € 152,964. The company is profitable. 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 July 10, 2026.

What it is worth Healthy

€ 1.1 million

▼ 3% vs 2024

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

Profit Healthy

€ 152,964

▼ 27% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 539,372

▲ 4% vs 2024

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

Where the profit goes Pays out

€ 181,213 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

5.6

▲ 0.2 vs 2024

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

Wage cost

€ 329,761

▲ 4% vs 2024

€ 58,900 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

€ 33,043

▲ 22% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 12 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.

€ 293,308

▼ 8% vs 2024

€ 24,143 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.

Owed to suppliers

€ 29,113

▲ 11% vs 2024

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

Taxes and wages

€ 76,736

▲ 3% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 556,036 Gross margin 2022: € 556,036 First fiscal year in the series	€ 591,807 Gross margin 2023: € 591,807 ▲ 6% vs 2022 (€ 556,036) Favourable step	€ 712,596 Gross margin 2024: € 712,596 ▲ 20% vs 2023 (€ 591,807) Favourable step	€ 681,304 Gross margin 2025: € 681,304 ▼ 4% vs 2024 (€ 712,596) Unfavourable step	▼ 4%
Profit after taxes	€ 132,248 Profit after taxes 2022: € 132,248 First fiscal year in the series	€ 141,720 Profit after taxes 2023: € 141,720 ▲ 7% vs 2022 (€ 132,248) Favourable step	€ 209,466 Profit after taxes 2024: € 209,466 ▲ 48% vs 2023 (€ 141,720) Favourable step	€ 152,964 Profit after taxes 2025: € 152,964 ▼ 27% vs 2024 (€ 209,466) Unfavourable step	▼ 27%
Equity	€ 1,017,977 Equity 2022: € 1,017,977 First fiscal year in the series	€ 1,019,675 Equity 2023: € 1,019,675 Unchanged (€ 1,017,977) Favourable step	€ 1,081,282 Equity 2024: € 1,081,282 ▲ 6% vs 2023 (€ 1,019,675) Favourable step	€ 1,053,033 Equity 2025: € 1,053,033 ▼ 3% vs 2024 (€ 1,081,282) Unfavourable step	▼ 3%
Total debts	€ 334,234 Total debts 2022: € 334,234 First fiscal year in the series	€ 514,099 Total debts 2023: € 514,099 ▲ 54% vs 2022 (€ 334,234) Unfavourable step	€ 621,911 Total debts 2024: € 621,911 ▲ 21% vs 2023 (€ 514,099) Unfavourable step	€ 662,903 Total debts 2025: € 662,903 ▲ 7% vs 2024 (€ 621,911) Unfavourable step	▲ 7%
Cash	€ 338,339 Cash 2022: € 338,339 First fiscal year in the series	€ 414,614 Cash 2023: € 414,614 ▲ 23% vs 2022 (€ 338,339) Favourable step	€ 516,231 Cash 2024: € 516,231 ▲ 25% vs 2023 (€ 414,614) Favourable step	€ 539,372 Cash 2025: € 539,372 ▲ 4% vs 2024 (€ 516,231) Favourable step	▲ 4%
Land & buildings	€ 20,658 Land & buildings 2022: € 20,658 First fiscal year in the series	€ 20,658 Land & buildings 2023: € 20,658 Unchanged (€ 20,658) Unchanged	€ 20,658 Land & buildings 2024: € 20,658 Unchanged (€ 20,658) Unchanged	€ 20,658 Land & buildings 2025: € 20,658 Unchanged (€ 20,658) Unchanged
Retained profit	€ 885,977 Retained profit 2022: € 885,977 First fiscal year in the series	€ 887,675 Retained profit 2023: € 887,675 Unchanged (€ 885,977) Favourable step	€ 949,282 Retained profit 2024: € 949,282 ▲ 7% vs 2023 (€ 887,675) Favourable step	€ 921,033 Retained profit 2025: € 921,033 ▼ 3% vs 2024 (€ 949,282) Unfavourable step	▼ 3%
Dividend	€ 110,936 Dividend 2022: € 110,936 First fiscal year in the series	€ 140,022 Dividend 2023: € 140,022 ▲ 26% vs 2022 (€ 110,936) Unchanged	€ 147,859 Dividend 2024: € 147,859 ▲ 6% vs 2023 (€ 140,022) Unchanged	€ 181,213 Dividend 2025: € 181,213 ▲ 23% vs 2024 (€ 147,859) Unchanged	▲ 23%
Bank debt	€ 157,965 Bank debt 2022: € 157,965 First fiscal year in the series	€ 274,412 Bank debt 2023: € 274,412 ▲ 74% vs 2022 (€ 157,965) Unfavourable step	€ 317,243 Bank debt 2024: € 317,243 ▲ 16% vs 2023 (€ 274,412) Unfavourable step	€ 293,308 Bank debt 2025: € 293,308 ▼ 8% vs 2024 (€ 317,243) Favourable step	▼ 8%
Balance sheet total	€ 1,352,211 Balance sheet total 2022: € 1,352,211 First fiscal year in the series	€ 1,533,774 Balance sheet total 2023: € 1,533,774 ▲ 13% vs 2022 (€ 1,352,211) Unchanged	€ 1,703,193 Balance sheet total 2024: € 1,703,193 ▲ 11% vs 2023 (€ 1,533,774) Unchanged	€ 1,715,936 Balance sheet total 2025: € 1,715,936 ▲ 1% vs 2024 (€ 1,703,193) Unchanged	▲ 1%
Employees (FTE)	5.4 Employees (FTE) 2022: 5.4 First fiscal year in the series	5.3 Employees (FTE) 2023: 5.3 ▼ 0.1 vs 2022 (5.4) Unchanged	5.4 Employees (FTE) 2024: 5.4 ▲ 0.1 vs 2023 (5.3) Unchanged	5.6 Employees (FTE) 2025: 5.6 ▲ 0.2 vs 2024 (5.4) Unchanged	▲ 0.2

Key figures of Zakenkantoor Filip Verstraeten, 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 Zakenkantoor Filip Verstraeten?

What happened at Zakenkantoor Filip Verstraeten in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 10, 2026 New annual accounts for financial year 2025: profit of € 152,964 (▼ 27% vs 2024). Source: NBB ↗
2017 Filip Verstraeten became a director. NBB
Feb 15, 1989 New establishment in Sint-Niklaas. KBO
Dec 30, 1988 Start of the company according to the CBE. KBO

In short

From € 132,248 profit in 2022 to € 152,964 profit in 2025.

Paid € 305,388 in corporate taxes since 2022.

Best year ever: 2024, with € 209,466 profit.

On average € 121,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

A new publication or filing at Zakenkantoor Filip Verstraeten? We notify you, reason included.

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My folder 3 companies

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

Real filings at the National Bank

Management

Filip Verstraeten

Zakenkantoor Filip Verstraeten

PILCHARD BV 39.3%

Behind Zakenkantoor Filip Verstraeten is Filip Verstraeten. It owns 39.3% of PILCHARD BV itself.

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Directors

According to the 2025 annual accounts

Filip Verstraeten

Managing director

Also active at: Xerta

since 2017

Establishments

Establishment units

Physical locations of this company

Registered office

Parklaan 49

9100 Sint-Niklaas

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

Details

Company number

0436.374.195

VAT number

BE 0436.374.195

Registered office

Parklaan 49, 9100 Sint-Niklaas

Names & denominations

Zakenkantoor Filip Verstraeten

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

30 December 1988

Peppol

Active · Active since 1 Apr 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

Zakenkantoor Filip Verstraeten

Financials

What happened to Zakenkantoor Filip Verstraeten?

Know what changes at your customers, suppliers and competitors. Without reading an annual account.

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions