Financials
Financial year 2025
VERZEKERINGSKANTOOR CLIJSTERS from Bree, company number BE0438869273, closed financial year 2025 with a result of € 367,089 after tax. For that financial year VERZEKERINGSKANTOOR CLIJSTERS recorded a gross margin of € 1.8 million and equity of € 410,840. Compared with financial year 2024, the result moved from € 96,159 to € 367,089. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 8, 2026.
€ 410,840
▲ 247% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 367,089
▲ 282% vs 2024
Profit after tax over the fiscal year.
€ 420,289
▲ € 318,250 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 62,500 paid out
17 % of the profit went to the shareholders, mostly to CLIMASS (80 % of the shares). That is where the money ends up.
People and assets in 2025
8.8
▲ 6.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 642,537
▲ 282% vs 2024
€ 73,000 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.
€ 15,671
▼ 19% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 4.1 million
▼ 9% vs 2024
€ 459,340 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 77,612
▲ 242% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 62,867
▲ 269% 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 | € 239,512 | € 260,512 | € 313,463 | € 1,783,459 | ▲ € 1.5 million |
| Profit after taxes | € 50,084 | € 55,556 | € 96,159 | € 367,089 | ▲ 282% |
| Equity | € 79,151 | € 84,707 | € 118,366 | € 410,840 | ▲ 247% |
| Total debts | € 104,888 | € 120,880 | € 4,654,378 | € 4,418,599 | ▼ 5% |
| Cash | € 44,233 | € 46,192 | € 102,039 | € 420,289 | ▲ € 318,250 |
| Land & buildings | € 17,622 | € 17,790 | € 16,472 | € 15,154 | ▼ 8% |
| Retained profit | € 17,651 | € 23,207 | € 56,866 | € 349,340 | ▲ € 292,474 |
| Dividend | € 122,000 | € 50,000 | € 62,500 | € 62,500 | |
| Bank debt | € 25,295 | € 34,345 | € 4,525,426 | € 4,112,231 | ▼ 9% |
| Balance sheet total | € 184,040 | € 205,587 | € 4,772,744 | € 4,829,439 | ▲ 1% |
| Employees (FTE) | 2.6 | 2.6 | 2.6 | 8.8 | ▲ 6.2 |
Key figures of VERZEKERINGSKANTOOR CLIJSTERS, 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 VERZEKERINGSKANTOOR CLIJSTERS?
What happened at VERZEKERINGSKANTOOR CLIJSTERS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- CLIMASS BV stepped down as director. NBB
- Elisabeth Claessens stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 367,089 (▲ 282% vs 2024). Source: NBB ↗
- New establishment in Maaseik. KBO
- CLIMASS BV became a director. NBB
- Elisabeth Claessens became a director. NBB
- New establishment in Bree. KBO
- Start of the company according to the CBE. KBO
In short
From € 50,084 profit in 2022 to € 367,089 profit in 2025.
Paid € 205,523 in corporate taxes since 2022.
Best year ever: 2025, with € 367,089 profit.
On average € 202,700 of value added per employee in 2025.
A new publication or filing at VERZEKERINGSKANTOOR CLIJSTERS? 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
The stake of CLIMASS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VERZEKERINGSKANTOOR CLIJSTERSThe shares are held by CLIMASS (80%).
Directors
According to the 2025 annual accounts
since 2022 · until 2028
since 2022 · until 2028
Shareholders
80%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Opitterkiezel 225
3960 Bree
Van Eycklaan 58
3680 Maaseik
Active since 1 January 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
AS-VULTR - The Constant Company, LLC, US
DNS
GoDaddy DNS
Website info
Features
Security
Network
Details
- Company number
- 0438.869.273
- VAT number
- BE 0438.869.273
- Registered office
- Opitterkiezel 225, 3960 Bree
- Names & denominations
- VERZEKERINGSKANTOOR CLIJSTERS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 2 November 1989
- Peppol
- Active · Active since 27 Nov 2025
- Contact
- clijstersverz.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten