Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 52 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Naegels from Sint-Katelijne-Waver, company number BE0445132109, closed financial year 2025 with a result of € 93,960 after tax. For that financial year Naegels recorded a gross margin of € 237,166 and equity of € 454,297. Compared with financial year 2024, the result moved from € 139,454 to € 93,960. 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 July 17, 2026.
€ 454,297
▲ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 93,960
▼ 33% vs 2024
Profit after tax over the fiscal year.
€ 17,613
▲ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 29,916 paid out
32 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
0.6
Average over the fiscal year, from the social balance sheet.
€ 44,770
▲ 5% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 290,323
▲ 169% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 223,140
▲ 148% vs 2024
€ 76,821 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 13,659
▲ 164% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,835
▲ 117% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 144,859 | € 224,984 | € 260,870 | € 237,166 | ▼ 9% |
| Profit after taxes | € 30,403 | € 92,893 | € 139,454 | € 93,960 | ▼ 33% |
| Equity | € 236,397 | € 329,290 | € 390,253 | € 454,297 | ▲ 16% |
| Total debts | € 84,393 | € 51,655 | € 176,036 | € 259,059 | ▲ 47% |
| Cash | € 65,536 | € 26,062 | € 17,512 | € 17,613 | ▲ 1% |
| Retained profit | € 216,397 | € 309,290 | € 370,253 | € 434,297 | ▲ 17% |
| Dividend | € 0 | € 0 | € 78,491 | € 29,916 | ▼ 62% |
| Bank debt | € 50,764 | € 18,056 | € 89,980 | € 223,140 | ▲ 148% |
| Balance sheet total | € 320,790 | € 380,946 | € 566,289 | € 713,356 | ▲ 26% |
| Employees (FTE) | 1 | 1 | 0.6 | 0.6 |
Key figures of Naegels, 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 Naegels?
What happened at Naegels in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 93,960 (▼ 33% vs 2024). Source: NBB ↗
- New establishment in Sint-Katelijne-Waver. KBO
- Start of the company according to the CBE. KBO
In short
From € 30,403 profit in 2022 to € 93,960 profit in 2025.
Paid € 157,461 in corporate taxes since 2022.
Best year ever: 2024, with € 139,454 profit.
On average € 225,000 of value added per employee in 2023.
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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 Naegels are Christine Vossen and Ken Naegels. Ken Naegels is also behind Ticket2Travel and LEMAN ONE.
Directors
According to the 2025 annual accounts
Christine Vossen
Director
Establishments
Establishment units
Physical locations of this company
Mechelsesteenweg(CEN) 2A
2860 Sint-Katelijne-Waver
Mechelsesteenweg(CEN) 2 A
2860 Sint-Katelijne-Waver
Active since 21 October 1991
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
Website info
Features
Security
Network
Details
- Company number
- 0445.132.109
- VAT number
- BE 0445.132.109
- Registered office
- Mechelsesteenweg(CEN) 2A, 2860 Sint-Katelijne-Waver
- Names & denominations
- Naegels
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 September 1991
- Peppol
- Active · Active since 2 Jan 2026
- Contact
- naegels.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten