What does MERCELIS VERZEKERINGEN do?

MERCELIS VERZEKERINGEN is an insurance broker in Ravels. Public Limited, started on 13 November 1989, 1 establishment.

What is the address of MERCELIS VERZEKERINGEN?

The registered office of MERCELIS VERZEKERINGEN is located at Koning Albertstraat 51 box A, 2381 Ravels.

Is MERCELIS VERZEKERINGEN still active?

Yes. According to the CBE (30 October 2026) MERCELIS VERZEKERINGEN is active, legal situation “Normale toestand”, started on 13 November 1989.

Is MERCELIS VERZEKERINGEN registered on Peppol?

Yes, MERCELIS VERZEKERINGEN is registered on the Peppol network with ID 0208:0438932324.

What is the enterprise number of MERCELIS VERZEKERINGEN?

The enterprise number of MERCELIS VERZEKERINGEN is BE0438932324.

When was MERCELIS VERZEKERINGEN founded?

MERCELIS VERZEKERINGEN was founded on 13 November 1989.

Who are the directors of MERCELIS VERZEKERINGEN?

According to the 2025 annual accounts, the directors of MERCELIS VERZEKERINGEN are: A l'Eau NV, Onyx Invest BV.

Is MERCELIS VERZEKERINGEN a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 13 November 1989; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did MERCELIS VERZEKERINGEN make in 2025?

MERCELIS VERZEKERINGEN posted a profit after taxes of € 394,736 in financial year 2025.

What is the revenue of MERCELIS VERZEKERINGEN?

As a small company, MERCELIS VERZEKERINGEN is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 923,550.

How much does an employee at MERCELIS VERZEKERINGEN earn?

The average wage cost per full-time employee at MERCELIS VERZEKERINGEN was € 69,800 in 2025: staff costs of € 425,867 for 6.1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does MERCELIS VERZEKERINGEN have?

According to the 2025 annual accounts, MERCELIS VERZEKERINGEN has 6.1 full-time equivalents (FTE).

MERCELIS VERZEKERINGEN (Public Limited) - Ravels

Dossier MERCELIS VERZEKERINGEN, printed on 30 October 2026 from databakkes.be/en/0438932324/mercelis-verzekeringen. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

MERCELIS VERZEKERINGEN from Ravels, company number BE0438932324, closed financial year 2025 with a result of € 394,736 after tax. For that financial year MERCELIS VERZEKERINGEN recorded a gross margin of € 923,550 and equity of € 278,090. Compared with financial year 2024, the result moved from € 200,622 to € 394,736. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 3, 2026.

What it is worth Healthy

€ 278,090

▼ 14% vs 2024

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

Profit Growing

€ 394,736

▲ 97% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 206,352

▼ 38% vs 2024

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

Where the profit goes Pays out

€ 440,807 paid out

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

People and assets in 2025

Full-time equivalents

6.1

▲ 0.8 vs 2024

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

Wage cost

€ 425,867

▲ 15% vs 2024

€ 69,800 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

€ 142,009

▲ 265% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 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.

€ 64,431

€ 13,594 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 31,702

▼ 54% vs 2024

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

Taxes and wages

€ 91,427

▲ 13% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 495,638 Gross margin 2022: € 495,638 First fiscal year in the series	€ 550,426 Gross margin 2023: € 550,426 ▲ 11% vs 2022 (€ 495,638) Favourable step	€ 652,971 Gross margin 2024: € 652,971 ▲ 19% vs 2023 (€ 550,426) Favourable step	€ 923,550 Gross margin 2025: € 923,550 ▲ 41% vs 2024 (€ 652,971) Favourable step	▲ 41%
Profit after taxes	€ 91,235 Profit after taxes 2022: € 91,235 First fiscal year in the series	€ 125,792 Profit after taxes 2023: € 125,792 ▲ 38% vs 2022 (€ 91,235) Favourable step	€ 200,622 Profit after taxes 2024: € 200,622 ▲ 59% vs 2023 (€ 125,792) Favourable step	€ 394,736 Profit after taxes 2025: € 394,736 ▲ 97% vs 2024 (€ 200,622) Favourable step	▲ 97%
Equity	€ 327,747 Equity 2022: € 327,747 First fiscal year in the series	€ 323,539 Equity 2023: € 323,539 ▼ 1% vs 2022 (€ 327,747) Unfavourable step	€ 324,161 Equity 2024: € 324,161 Unchanged (€ 323,539) Favourable step	€ 278,090 Equity 2025: € 278,090 ▼ 14% vs 2024 (€ 324,161) Unfavourable step	▼ 14%
Total debts	€ 316,882 Total debts 2022: € 316,882 First fiscal year in the series	€ 297,049 Total debts 2023: € 297,049 ▼ 6% vs 2022 (€ 316,882) Favourable step	€ 401,303 Total debts 2024: € 401,303 ▲ 35% vs 2023 (€ 297,049) Unfavourable step	€ 628,767 Total debts 2025: € 628,767 ▲ 57% vs 2024 (€ 401,303) Unfavourable step	▲ 57%
Cash	€ 48,654 Cash 2022: € 48,654 First fiscal year in the series	€ 16,355 Cash 2023: € 16,355 ▼ 66% vs 2022 (€ 48,654) Unfavourable step	€ 332,697 Cash 2024: € 332,697 ▲ € 316,342 vs 2023 (€ 16,355) Favourable step	€ 206,352 Cash 2025: € 206,352 ▼ 38% vs 2024 (€ 332,697) Unfavourable step	▼ 38%
Retained profit	€ 247,747 Retained profit 2022: € 247,747 First fiscal year in the series	€ 243,539 Retained profit 2023: € 243,539 ▼ 2% vs 2022 (€ 247,747) Unfavourable step	€ 244,161 Retained profit 2024: € 244,161 Unchanged (€ 243,539) Favourable step	€ 198,090 Retained profit 2025: € 198,090 ▼ 19% vs 2024 (€ 244,161) Unfavourable step	▼ 19%
Dividend	€ 150,000 Dividend 2022: € 150,000 First fiscal year in the series	€ 130,000 Dividend 2023: € 130,000 ▼ 13% vs 2022 (€ 150,000) Unchanged	€ 200,000 Dividend 2024: € 200,000 ▲ 54% vs 2023 (€ 130,000) Unchanged	€ 440,807 Dividend 2025: € 440,807 ▲ 120% vs 2024 (€ 200,000) Unchanged	▲ 120%
Bank debt	€ 0 Bank debt 2022: € 0 First fiscal year in the series	€ 0 Bank debt 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Bank debt 2024: € 0 Unchanged (€ 0) Unchanged	€ 64,431 Bank debt 2025: € 64,431 Unchanged (€ 0) Unfavourable step
Balance sheet total	€ 644,628 Balance sheet total 2022: € 644,628 First fiscal year in the series	€ 620,588 Balance sheet total 2023: € 620,588 ▼ 4% vs 2022 (€ 644,628) Unchanged	€ 725,464 Balance sheet total 2024: € 725,464 ▲ 17% vs 2023 (€ 620,588) Unchanged	€ 906,857 Balance sheet total 2025: € 906,857 ▲ 25% vs 2024 (€ 725,464) Unchanged	▲ 25%
Employees (FTE)	5.5 Employees (FTE) 2022: 5.5 First fiscal year in the series	5.4 Employees (FTE) 2023: 5.4 ▼ 0.1 vs 2022 (5.5) Unchanged	5.3 Employees (FTE) 2024: 5.3 ▼ 0.1 vs 2023 (5.4) Unchanged	6.1 Employees (FTE) 2025: 6.1 ▲ 0.8 vs 2024 (5.3) Unchanged	▲ 0.8

Key figures of MERCELIS 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 30 April 2027.

What happened to MERCELIS VERZEKERINGEN?

What happened at MERCELIS VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Apr 3, 2026 New annual accounts for financial year 2025: profit of € 394,736 (▲ 97% vs 2024). Source: NBB ↗
Dec 12, 1989 New establishment in Ravels. KBO
Nov 13, 1989 Start of the company according to the CBE. KBO

In short

From € 91,235 profit in 2022 to € 394,736 profit in 2025.

Paid € 138,830 in corporate taxes since 2022.

Best year ever: 2025, with € 394,736 profit.

On average € 151,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

A L'EAU 90%

ONYX INVEST 10%

The stake of A L'EAU, ONYX INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

MERCELIS VERZEKERINGEN

Behind MERCELIS VERZEKERINGEN are A l'Eau NV and Onyx Invest BV. The shares are held by A L'EAU (90%) and ONYX INVEST (10%).

Directors

According to the 2025 annual accounts

A l'Eau NV

Managing director · represented by Kathleen MERCELIS

Onyx Invest BV

Managing director · represented by Marc MERCELIS

Shareholders

A L'EAU

90%

ONYX INVEST

10%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Koning Albertstraat 51 box A

2381 Ravels

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

Ack-X

€ 11,110 gross margin · 2025

A L'EAU same network

€ 198,845 gross margin · 2025

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

Details

Company number

0438.932.324

VAT number

BE 0438.932.324

Registered office

Koning Albertstraat 51 bus A, 2381 Ravels

Names & denominations

MERCELIS VERZEKERINGEN

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

13 November 1989

Peppol

Active · Active since 27 Mar 2026

Contact

[email protected] 014 65 45 85

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Handel in eigen onroerend goed

View on CBE Public ↗ Annual accounts (NBB) ↗

MERCELIS VERZEKERINGEN

Financials

What happened to MERCELIS VERZEKERINGEN?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions