What does D&W Verzekeringen do?

D&W Verzekeringen is an insurance broker in Ieper. Private Limited, started on 1 July 1991, 2 establishments.

What is the address of D&W Verzekeringen?

The registered office of D&W Verzekeringen is located at Rijselstraat 52, 8900 Ieper.

Is D&W Verzekeringen still active?

Yes. According to the CBE (30 October 2026) D&W Verzekeringen is active, legal situation “Normale toestand”, started on 1 July 1991.

Is D&W Verzekeringen registered on Peppol?

Yes, D&W Verzekeringen is registered on the Peppol network with ID 0208:0444512594.

What is the enterprise number of D&W Verzekeringen?

The enterprise number of D&W Verzekeringen is BE0444512594.

When was D&W Verzekeringen founded?

D&W Verzekeringen was founded on 1 July 1991.

Who are the directors of D&W Verzekeringen?

According to the 2025 annual accounts, the directors of D&W Verzekeringen are: Stephan Willaert, Mieke D'Hallewin, PSM Assuranties BV.

Is D&W Verzekeringen a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 July 1991; 4 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 2 establishments in the CBE.

How much profit did D&W Verzekeringen make in 2025?

D&W Verzekeringen posted a profit after taxes of € 122,902 in financial year 2025.

What is the revenue of D&W Verzekeringen?

As a small company, D&W Verzekeringen is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 673,922.

How much does an employee at D&W Verzekeringen earn?

The average wage cost per full-time employee at D&W Verzekeringen was € 67,900 in 2025: staff costs of € 393,583 for 5.8 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does D&W Verzekeringen have?

According to the 2025 annual accounts, D&W Verzekeringen has 5.8 full-time equivalents (FTE).

D&W Verzekeringen (Private Limited) - Ieper

Dossier D&W Verzekeringen, printed on 30 October 2026 from databakkes.be/en/0444512594/d-w-verzekeringen. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

D&W Verzekeringen from Ieper, company number BE0444512594, closed financial year 2025 with a result of € 122,902 after tax. For that financial year D&W Verzekeringen recorded a gross margin of € 673,922 and equity of € 515,623. Compared with financial year 2024, the result moved from € 128,269 to € 122,902. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on January 15, 2026.

What it is worth Growing

€ 515,623

▲ 1% vs 2024

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

Profit Healthy

€ 122,902

▼ 4% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 420,667

▼ 2% vs 2024

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

Where the profit goes Pays out

€ 120,033 paid out

98 % of the profit went to the shareholders, mostly to PSM Assuranties (99 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

5.8

▲ 0.2 vs 2024

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

Wage cost

€ 393,583

▲ 18% vs 2024

€ 67,900 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

€ 44,753

▲ 253% vs 2024

Of which on lease € 44,055.

Debts at end 2025

Bank debt ≈ 3 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.

€ 274,925

▼ 17% vs 2024

€ 98,380 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 56,445

▲ 15% vs 2024

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

Taxes and wages

€ 21,966

▼ 27% 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	€ 485,792 Gross margin 2022: € 485,792 First fiscal year in the series	€ 528,294 Gross margin 2023: € 528,294 ▲ 9% vs 2022 (€ 485,792) Favourable step	€ 598,988 Gross margin 2024: € 598,988 ▲ 13% vs 2023 (€ 528,294) Favourable step	€ 673,922 Gross margin 2025: € 673,922 ▲ 13% vs 2024 (€ 598,988) Favourable step	▲ 13%
Profit after taxes	€ 131,256 Profit after taxes 2022: € 131,256 First fiscal year in the series	€ 128,969 Profit after taxes 2023: € 128,969 ▼ 2% vs 2022 (€ 131,256) Unfavourable step	€ 128,269 Profit after taxes 2024: € 128,269 ▼ 1% vs 2023 (€ 128,969) Unfavourable step	€ 122,902 Profit after taxes 2025: € 122,902 ▼ 4% vs 2024 (€ 128,269) Unfavourable step	▼ 4%
Equity	€ 400,918 Equity 2022: € 400,918 First fiscal year in the series	€ 496,036 Equity 2023: € 496,036 ▲ 24% vs 2022 (€ 400,918) Favourable step	€ 512,754 Equity 2024: € 512,754 ▲ 3% vs 2023 (€ 496,036) Favourable step	€ 515,623 Equity 2025: € 515,623 ▲ 1% vs 2024 (€ 512,754) Favourable step	▲ 1%
Total debts	€ 661,189 Total debts 2022: € 661,189 First fiscal year in the series	€ 508,927 Total debts 2023: € 508,927 ▼ 23% vs 2022 (€ 661,189) Favourable step	€ 520,059 Total debts 2024: € 520,059 ▲ 2% vs 2023 (€ 508,927) Unfavourable step	€ 473,395 Total debts 2025: € 473,395 ▼ 9% vs 2024 (€ 520,059) Favourable step	▼ 9%
Cash	€ 458,314 Cash 2022: € 458,314 First fiscal year in the series	€ 479,011 Cash 2023: € 479,011 ▲ 5% vs 2022 (€ 458,314) Favourable step	€ 427,319 Cash 2024: € 427,319 ▼ 11% vs 2023 (€ 479,011) Unfavourable step	€ 420,667 Cash 2025: € 420,667 ▼ 2% vs 2024 (€ 427,319) Unfavourable step	▼ 2%
Land & buildings	€ 106,934 Land & buildings 2022: € 106,934 First fiscal year in the series	€ 94,597 Land & buildings 2023: € 94,597 ▼ 12% vs 2022 (€ 106,934) Unchanged	€ 82,260 Land & buildings 2024: € 82,260 ▼ 13% vs 2023 (€ 94,597) Unchanged	€ 69,923 Land & buildings 2025: € 69,923 ▼ 15% vs 2024 (€ 82,260) Unchanged	▼ 15%
Retained profit	€ 380,918 Retained profit 2022: € 380,918 First fiscal year in the series	€ 476,036 Retained profit 2023: € 476,036 ▲ 25% vs 2022 (€ 380,918) Favourable step	€ 492,754 Retained profit 2024: € 492,754 ▲ 4% vs 2023 (€ 476,036) Favourable step	€ 495,623 Retained profit 2025: € 495,623 ▲ 1% vs 2024 (€ 492,754) Favourable step	▲ 1%
Dividend	€ 116,553 Dividend 2022: € 116,553 First fiscal year in the series	€ 33,850 Dividend 2023: € 33,850 ▼ 71% vs 2022 (€ 116,553) Unchanged	€ 111,551 Dividend 2024: € 111,551 ▲ 230% vs 2023 (€ 33,850) Unchanged	€ 120,033 Dividend 2025: € 120,033 ▲ 8% vs 2024 (€ 111,551) Unchanged	▲ 8%
Bank debt	€ 506,224 Bank debt 2022: € 506,224 First fiscal year in the series	€ 417,821 Bank debt 2023: € 417,821 ▼ 17% vs 2022 (€ 506,224) Favourable step	€ 329,441 Bank debt 2024: € 329,441 ▼ 21% vs 2023 (€ 417,821) Favourable step	€ 274,925 Bank debt 2025: € 274,925 ▼ 17% vs 2024 (€ 329,441) Favourable step	▼ 17%
Balance sheet total	€ 1,062,107 Balance sheet total 2022: € 1,062,107 First fiscal year in the series	€ 1,004,963 Balance sheet total 2023: € 1,004,963 ▼ 5% vs 2022 (€ 1,062,107) Unchanged	€ 1,032,813 Balance sheet total 2024: € 1,032,813 ▲ 3% vs 2023 (€ 1,004,963) Unchanged	€ 989,018 Balance sheet total 2025: € 989,018 ▼ 4% vs 2024 (€ 1,032,813) Unchanged	▼ 4%
Employees (FTE)	4.3 Employees (FTE) 2022: 4.3 First fiscal year in the series	4.8 Employees (FTE) 2023: 4.8 ▲ 0.5 vs 2022 (4.3) Unchanged	5.6 Employees (FTE) 2024: 5.6 ▲ 0.8 vs 2023 (4.8) Unchanged	5.8 Employees (FTE) 2025: 5.8 ▲ 0.2 vs 2024 (5.6) Unchanged	▲ 0.2

Key figures of D&W 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 January 2027.

What happened to D&W Verzekeringen?

What happened at D&W Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jan 15, 2026 New annual accounts for financial year 2025: profit of € 122,902 (▼ 4% vs 2024). Source: NBB ↗
Jan 1, 2018 New establishment in Zonnebeke. KBO
Jul 3, 1991 New establishment in Ieper. KBO
Jul 1, 1991 Start of the company according to the CBE. KBO

In short

From € 131,256 profit in 2022 to € 122,902 profit in 2025.

Paid € 144,866 in corporate taxes since 2022.

Best year ever: 2022, with € 131,256 profit.

On average € 116,200 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

PSM Assuranties 99.2%

The stake of PSM Assuranties comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

D&W Verzekeringen

Behind D&W Verzekeringen are Stephan Willaert, Mieke D'Hallewin and PSM Assuranties BV. The shares are held by PSM Assuranties (99.2%).

Directors

According to the 2025 annual accounts

Stephan Willaert

Director

Also active at: PSM Assuranties

Mieke D'Hallewin

Director

Also active at: PSM Assuranties

PSM Assuranties BV

Director · represented by Vandroemme INGE

Shareholders

PSM Assuranties

99.2%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rijselstraat 52

8900 Ieper

2.053.334.404

Rijselstraat 52 box 1

8900 Ieper

Active since 3 July 1991

2.296.763.426

Beselarestraat 283

8980 Zonnebeke

Active since 1 January 2018

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.

All companies at this address →

PSM Assuranties same network

€ 182,510 gross margin · 2025

PSM GROUP

MTRUST

VAUBAN VERZEKERINGEN

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

Details

Company number

0444.512.594

VAT number

BE 0444.512.594

Registered office

Rijselstraat 52, 8900 Ieper

Names & denominations

D&W Verzekeringen

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

1 July 1991

Peppol

Active · Active since 21 Oct 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

D&W Verzekeringen

Financials

What happened to D&W Verzekeringen?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions