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
ZAKENKANTOOR HAVERMANS from Ravels, company number BE0437970044, closed financial year 2025 with a result of € 20,242 after tax. For that financial year ZAKENKANTOOR HAVERMANS recorded a gross margin of € 412,113 and equity of € 502,438. Compared with financial year 2024, the result moved from € -10,799 to € 20,242. 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 18, 2026.
€ 502,438
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,242
▲ still € 10,799 loss in 2024
Profit after tax over the fiscal year.
€ 657,893
▲ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 226,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 338,301
▲ 1% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 50,378
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 243
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 64,790
▲ 2% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 378,791 | € 449,906 | € 369,208 | € 412,113 | ▲ 12% |
| Profit after taxes | € 44,860 | € 56,946 | € -10,799 | € 20,242 | ▲ € 31,041 |
| Equity | € 800,049 | € 856,995 | € 708,196 | € 502,438 | ▼ 29% |
| Total debts | € 116,796 | € 134,668 | € 217,189 | € 366,765 | ▲ 69% |
| Cash | € 688,776 | € 554,076 | € 653,652 | € 657,893 | ▲ 1% |
| Land & buildings | € 61,287 | € 49,363 | € 37,440 | € 25,517 | ▼ 32% |
| Retained profit | € 738,049 | € 794,995 | € 646,196 | € 440,438 | ▼ 32% |
| Dividend | € 143,000 | € 0 | € 138,000 | € 226,000 | ▲ 64% |
| Bank debt | € 0 | € 41,250 | € 0 | € 0 | |
| Balance sheet total | € 916,845 | € 991,662 | € 925,385 | € 869,203 | ▼ 6% |
Key figures of ZAKENKANTOOR HAVERMANS, 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 HAVERMANS?
What happened at ZAKENKANTOOR HAVERMANS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Christiane Nijs stepped down as director. NBB
- Danny Havermans stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 20,242. filed late Source: NBB ↗
- Christiane Nijs became a director. NBB
- Danny Havermans became a director. NBB
- Nick Havermans became a director. NBB
- New establishment in Ravels. KBO
- Start of the company according to the CBE. KBO
In short
From € 44,860 profit in 2022 to € 20,242 profit in 2025.
Paid € 60,017 in corporate taxes since 2022.
Best year ever: 2023, with € 56,946 profit.
Paid out € 507,000 in dividends to the owners in total.
A new publication or filing at ZAKENKANTOOR HAVERMANS? We notify you, reason included.
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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 ZAKENKANTOOR HAVERMANS is Nick Havermans.
Directors
According to the 2025 annual accounts
Nick Havermans
Director
since 2019
Christiane Nijs
Director
since 2023 · until 2029
Danny Havermans
Managing director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Grote Baan 166 box 001
2380 Ravels
Grote Baan 166 box 1
2380 Ravels
Active since 20 October 1989
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0437.970.044
- VAT number
- BE 0437.970.044
- Registered office
- Grote Baan 166 bus 001, 2380 Ravels
- Names & denominations
- ZAKENKANTOOR HAVERMANS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 June 1989
- Peppol
- Not registered
- Contact
- verzekeringenhavermans.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten