Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ASSURANTIES VERHEECKE - STARINSURANCE from Knokke-Heist, company number BE0436740718, closed financial year 2025 with a result of € -87,356 after tax. For that financial year ASSURANTIES VERHEECKE - STARINSURANCE recorded a gross margin of € 700,123 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € -178,427 to € -87,356. The company made a loss. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 20, 2026.
€ 1.2 million
▲ 292% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -87,356
▲ 51 % less loss than in 2024
Profit after tax over the fiscal year.
€ 13,688
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 163,347.
People and assets in 2025
6.7
▲ 1.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 418,807
▲ 37% vs 2024
€ 62,500 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.
Debts at end 2025
€ 2.7 million
▲ 133% vs 2024
€ 192,787 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 336,021
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 94,313
▲ 10% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 428,801 | € 262,310 | € 237,872 | € 700,123 | ▲ 194% |
| Profit after taxes | € 123,083 | € 5,932 | € -178,427 | € -87,356 | ▲ € 91,071 |
| Equity | € 485,249 | € 491,181 | € 312,754 | € 1,225,397 | ▲ 292% |
| Total debts | € 114,796 | € 185,297 | € 2,131,324 | € 3,290,915 | ▲ 54% |
| Cash | € 12,073 | € 13,311 | € 1,093,103 | € 13,688 | ▼ 99% |
| Retained profit | € 423,199 | € 429,131 | € 250,704 | € 163,347 | ▼ 35% |
| Dividend | € 30,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 0 | € 0 | € 1,156,000 | € 2,691,625 | ▲ 133% |
| Balance sheet total | € 600,044 | € 676,478 | € 2,444,078 | € 4,516,312 | ▲ 85% |
| Employees (FTE) | 3 | 5.1 | 4.8 | 6.7 | ▲ 1.9 |
Key figures of ASSURANTIES VERHEECKE - STARINSURANCE, 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 ASSURANTIES VERHEECKE - STARINSURANCE?
What happened at ASSURANTIES VERHEECKE - STARINSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 87,356. filed late Source: NBB ↗
- Ludwig en Gail Invest BV became a director. NBB
- New establishment in Brugge. KBO
- New establishment in Knokke-Heist. KBO
- Start of the company according to the CBE. KBO
In short
From € 123,083 profit in 2022 to € 87,356 loss in 2025.
Paid € 57,323 in corporate taxes since 2022.
Best year ever: 2022, with € 123,083 profit.
On average € 104,500 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 F-INVEST, WingMan comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ASSURANTIES VERHEECKE - STARINSURANCEBehind ASSURANTIES VERHEECKE - STARINSURANCE is Ludwig en Gail Invest BV. The shares are held by F-INVEST (25%) and WingMan (10%). It owns 100% of KVK and 70% of Smartsafe - Starinsurance itself.
Directors
According to the 2025 annual accounts
Director · represented by Hoeylaerts Gail
Also active at: SMARTSAFE-STARINSURANCE, Vadesko
since 2020
Participations
100%
Establishments
Establishment units
Physical locations of this company
Paul Parmentierlaan 259
8300 Knokke-Heist
Komvest 34 box B001
8000 Brugge
Active since 1 January 2016
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
- 0436.740.718
- VAT number
- BE 0436.740.718
- Registered office
- Paul Parmentierlaan 259, 8300 Knokke-Heist
- Names & denominations
- ASSURANTIES VERHEECKE - STARINSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 15 February 1989
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Activiteiten van holdings
Holdings