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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
55 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
besox verzekeringen from Knokke-Heist, company number BE0438697247, closed financial year 2025 with a result of € -18,098 after tax. For that financial year besox verzekeringen recorded a gross margin of € 1.3 million and equity of € 411,996. Compared with financial year 2024, the result moved from € -6,893 to € -18,098. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 411,996
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -18,098
▼ 163 % more loss than in 2024
Profit after tax over the fiscal year.
€ 1.1 million
▲ 126% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 349,996.
People and assets in 2025
12.8
▲ 1.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▲ 28% vs 2024
€ 88,300 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.
€ 204,075
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 564,265
▼ 16% vs 2024
€ 147,388 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 621,808
▲ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 107,245
▲ 22% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 960,102 | € 1,432,476 | € 1,188,822 | € 1,317,140 | ▲ 11% |
| Profit after taxes | € 242,792 | € 315,528 | € -6,893 | € -18,098 | ▼ € 11,204 |
| Equity | € 356,460 | € 436,988 | € 430,094 | € 411,996 | ▼ 4% |
| Total debts | € 2,612,657 | € 2,697,514 | € 2,552,680 | € 2,914,779 | ▲ 14% |
| Cash | € 1,261,372 | € 613,744 | € 483,898 | € 1,091,517 | ▲ 126% |
| Land & buildings | € 8,578 | € 8,578 | € 8,578 | € 8,578 | |
| Retained profit | € 294,460 | € 374,988 | € 368,094 | € 349,996 | ▼ 5% |
| Dividend | € 235,000 | € 235,000 | € 0 | € 0 | |
| Bank debt | € 508,542 | € 594,116 | € 669,018 | € 564,265 | ▼ 16% |
| Balance sheet total | € 2,969,116 | € 3,134,501 | € 2,982,774 | € 3,326,776 | ▲ 12% |
| Employees (FTE) | 6.8 | 9.7 | 10.9 | 12.8 | ▲ 1.9 |
Key figures of besox 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 besox verzekeringen?
What happened at besox verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- ARNALA BV stepped down as director. NBB
- MOMENT BV stepped down as director. NBB
- Bernard Vuylsteke stepped down as director. NBB
- BE-FIN BV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 18,098. Source: NBB ↗
- ARNALA BV became a director. NBB
- MOMENT BV became a director. NBB
- BE-FIN BV became a director. NBB
In short
From € 242,792 profit in 2022 to € 18,098 loss in 2025.
Paid € 280,323 in corporate taxes since 2022.
Best year ever: 2023, with € 315,528 profit.
On average € 102,900 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 Fringba, COOMOR SERVICE CENTER, BE-FIN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
besox verzekeringenThe shares are held by MOMENT, Fringba (40%), COOMOR SERVICE CENTER (40%) and BE-FIN (10%).
Directors
According to the 2025 annual accounts
Bernard Vuylsteke
Managing director
since 2022 · until 2028
Director · represented by Françis Gillis K Vuylsteke
Also active at: Vuylsteke Verzekeringen, partner van besox verzekeringen
since 2024 · until 2031
Director · represented by Christophe Morbee
since 2023 · until 2030
Director · represented by Cedric Biebauw
Also active at: Iskariot, besox finance, DE RIECK, PACOBI, Vavedis Belgium, Bimon
since 2022 · until 2028
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kalvekeetdijk 179 box 6
8300 Knokke-Heist
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 55 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0438.697.247
- VAT number
- BE 0438.697.247
- Registered office
- Kalvekeetdijk 179 bus 6, 8300 Knokke-Heist
- Names & denominations
- besox verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 October 1989
- Peppol
- Active · Active since 4 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten