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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Tight liquidity NBB
Cash and receivables cover 18 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ERALY VERZEKERINGEN from Keerbergen, company number BE0439109595, closed financial year 2025 with a result of € 287,528 after tax. For that financial year ERALY VERZEKERINGEN recorded a gross margin of € 1.3 million and equity of € 224,405. Compared with financial year 2024, the result moved from € 292,128 to € 287,528. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 1, 2026.
€ 224,405
▼ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 287,528
▼ 2% vs 2024
Profit after tax over the fiscal year.
€ 72,689
▼ 82% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 330,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
9.8
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 847,302
▲ 22% vs 2024
€ 86,500 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.
€ 105,588
▲ 14% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 62,492
▲ 63% vs 2024
€ 19,643 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 27,930
▲ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 162,318
▲ 10% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 881,235 | € 992,760 | € 1,120,454 | € 1,284,279 | ▲ 15% |
| Profit after taxes | € 124,954 | € 195,476 | € 292,128 | € 287,528 | ▼ 2% |
| Equity | € 179,273 | € 224,749 | € 266,877 | € 224,405 | ▼ 16% |
| Total debts | € 258,020 | € 118,851 | € 430,541 | € 471,753 | ▲ 10% |
| Cash | € 275,851 | € 109,709 | € 411,830 | € 72,689 | ▼ 82% |
| Land & buildings | € 19,199 | € 16,689 | € 14,179 | € 11,862 | ▼ 16% |
| Retained profit | € 117,773 | € 163,249 | € 205,377 | € 162,905 | ▼ 21% |
| Dividend | € 120,000 | € 150,000 | € 250,000 | € 330,000 | ▲ 32% |
| Bank debt | € 0 | € 0 | € 38,429 | € 62,492 | ▲ 63% |
| Balance sheet total | € 437,293 | € 343,600 | € 697,419 | € 696,159 | |
| Employees (FTE) | 8.8 | 9 | 9 | 9.8 | ▲ 0.8 |
Key figures of ERALY 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 ERALY VERZEKERINGEN?
What happened at ERALY VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 287,528 (▼ 2% vs 2024). Source: NBB ↗
- New establishment in Mechelen. KBO
- New establishment in Keerbergen. KBO
- Start of the company according to the CBE. KBO
In short
From € 124,954 profit in 2022 to € 287,528 profit in 2025.
Paid € 344,200 in corporate taxes since 2022.
Best year ever: 2024, with € 292,128 profit.
On average € 131,000 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
Behind ERALY VERZEKERINGEN are Nevac COMMV, Phos Consult COMMV, Sid-Consult COMMV and Kerac COMMV.
Directors
According to the 2025 annual accounts
Director · represented by Nele Vanderputten
Director · represented by Niels Jansegers
Director · represented by Kurt Teugels
Director · represented by Koen Eraly
Establishments
Establishment units
Physical locations of this company
Mechelsebaan 55
3140 Keerbergen
Blokhuisstraat 24
2800 Mechelen
Active since 8 November 2004
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.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0439.109.595
- VAT number
- BE 0439.109.595
- Registered office
- Mechelsebaan 55, 3140 Keerbergen
- Names & denominations
- ERALY VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 22 November 1989
- Peppol
- Active · Active since 28 May 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten