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 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY from Gent, company number BE0445624433, closed financial year 2025 with a result of € 329,935 after tax. For that financial year INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY recorded a gross margin of € 455,856 and equity of € 1.1 million. Compared with financial year 2024, the result moved from € 237,928 to € 329,935. Profitable, and profit is growing. 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 October 9, 2026.
€ 1.1 million
▲ 32% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 329,935
▲ 39% vs 2024
Profit after tax over the fiscal year.
€ 216,339
▼ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 75,000 paid out
23 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
0.5
▼ 3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 31,956
▼ 88% 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.
€ 78,687
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 415,271
▲ € 331,042 vs 2024
€ 73,057 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 2,913
▼ 77% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 46,402
▼ 12% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 288,145 | € 425,619 | € 621,388 | € 455,856 | ▼ 27% |
| Profit after taxes | € 33,262 | € 104,864 | € 237,928 | € 329,935 | ▲ 39% |
| Equity | € 600,988 | € 665,851 | € 807,780 | € 1,062,715 | ▲ 32% |
| Total debts | € 215,581 | € 222,080 | € 245,639 | € 1,007,733 | ▲ € 762,093 |
| Cash | € 33,283 | € 120,139 | € 218,268 | € 216,339 | ▼ 1% |
| Land & buildings | € 46,818 | € 36,043 | € 25,269 | € 554,821 | ▲ € 529,552 |
| Retained profit | € 539,014 | € 603,878 | € 745,806 | € 1,000,741 | ▲ 34% |
| Dividend | € 0 | € 40,000 | € 96,000 | € 75,000 | ▼ 22% |
| Bank debt | € 143,314 | € 96,852 | € 84,228 | € 415,271 | ▲ € 331,042 |
| Balance sheet total | € 816,569 | € 887,932 | € 1,053,419 | € 2,070,447 | ▲ 97% |
| Employees (FTE) | 2.9 | 3.5 | 3.5 | 0.5 | ▼ 3 |
Key figures of INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY, 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 INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY?
What happened at INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Michaël Daman stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 329,935 (▲ 39% vs 2024). filed late Source: NBB ↗
- Michaël Daman became a director. NBB
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
In short
From € 33,262 profit in 2022 to € 329,935 profit in 2025.
Paid € 192,902 in corporate taxes since 2022.
Best year ever: 2025, with € 329,935 profit.
On average € 177,500 of value added per employee in 2024.
Management
Directors
According to the 2025 annual accounts
since 2024 · until 2030
Establishments
Establishment units
Physical locations of this company
Koning Albertlaan 126
9000 Gent
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.
Details
- Company number
- 0445.624.433
- VAT number
- BE 0445.624.433
- Registered office
- Koning Albertlaan 126, 9000 Gent
- Names & denominations
- INSURANCE PEOPLE-HUMAN RESOURCE, MARKETING AND MANAGEMENT CONSULTANCY · INSURANCE PEOPLE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 October 1991
- Peppol
- Active · Active since 2 Feb 2026
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
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