What does MALUVER do?

MALUVER is an insurance broker in Gent. Public Limited, started on 19 April 1993, 1 establishment.

What is the address of MALUVER?

The registered office of MALUVER is located at Antwerpsesteenweg 460, 9040 Gent.

Is MALUVER still active?

Yes. According to the CBE (29 October 2026) MALUVER is active, legal situation “Normale toestand”, started on 19 April 1993.

Is MALUVER registered on Peppol?

Yes, MALUVER is registered on the Peppol network with ID 0208:0449940438.

What is the enterprise number of MALUVER?

The enterprise number of MALUVER is BE0449940438.

When was MALUVER founded?

MALUVER was founded on 19 April 1993.

Who are the directors of MALUVER?

According to the 2025 annual accounts, the directors of MALUVER are: Esther Dhaenens, Jonas Dhaenens , Luc Dhaenens.

Is MALUVER a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 19 April 1993; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did MALUVER make in 2025?

MALUVER posted a profit after taxes of € 39,604 in financial year 2025.

What is the revenue of MALUVER?

As a small company, MALUVER is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,086,102.

How much does an employee at MALUVER earn?

The average wage cost per full-time employee at MALUVER was € 72,600 in 2025: staff costs of € 94,383 for 1.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does MALUVER have?

According to the 2025 annual accounts, MALUVER has 1.3 full-time equivalents (FTE).

MALUVER (Public Limited) - Gent - BE0449940438

Dossier MALUVER, printed on 29 October 2026 from databakkes.be/en/0449940438/maluver. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 5 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

MALUVER from Gent, company number BE0449940438, closed financial year 2025 with a result of € 39,604 after tax. For that financial year MALUVER recorded a gross margin of € 1.1 million and equity of € 1 million. Compared with financial year 2024, the result moved from € -235,443 to € 39,604. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.

What it is worth Growing

€ 1 million

▲ 4% vs 2024

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

Profit Growing

€ 39,604

▲ still € 235,443 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 168,528

▲ € 145,768 vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 906,676.

People and assets in 2025

Full-time equivalents

1.3

▼ 0.5 vs 2024

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

Wage cost

€ 94,383

▼ 8% vs 2024

€ 72,600 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

€ 28,573

▼ 22% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 14 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.

€ 3.9 million

▼ 49% vs 2024

€ 286,455 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.

Owed to suppliers

€ 25,650

▼ 20% vs 2024

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

Taxes and wages

€ 12,873

▼ 2% 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	€ 1,133,332 Gross margin 2022: € 1,133,332 First fiscal year in the series	€ 1,192,802 Gross margin 2023: € 1,192,802 ▲ 5% vs 2022 (€ 1,133,332) Favourable step	€ 915,431 Gross margin 2024: € 915,431 ▼ 23% vs 2023 (€ 1,192,802) Unfavourable step	€ 1,086,102 Gross margin 2025: € 1,086,102 ▲ 19% vs 2024 (€ 915,431) Favourable step	▲ 19%
Profit after taxes	€ 151,228 Profit after taxes 2022: € 151,228 First fiscal year in the series	€ 50,907 Profit after taxes 2023: € 50,907 ▼ 66% vs 2022 (€ 151,228) Unfavourable step	€ -235,443 Profit after taxes 2024: € -235,443 ▼ € 286,350 vs 2023 (€ 50,907) Unfavourable step	€ 39,604 Profit after taxes 2025: € 39,604 ▲ € 275,047 vs 2024 (€ -235,443) Favourable step	▲ € 275,047
Equity	€ 1,194,147 Equity 2022: € 1,194,147 First fiscal year in the series	€ 1,245,054 Equity 2023: € 1,245,054 ▲ 4% vs 2022 (€ 1,194,147) Favourable step	€ 1,009,611 Equity 2024: € 1,009,611 ▼ 19% vs 2023 (€ 1,245,054) Unfavourable step	€ 1,049,215 Equity 2025: € 1,049,215 ▲ 4% vs 2024 (€ 1,009,611) Favourable step	▲ 4%
Total debts	€ 8,960,550 Total debts 2022: € 8,960,550 First fiscal year in the series	€ 8,453,323 Total debts 2023: € 8,453,323 ▼ 6% vs 2022 (€ 8,960,550) Favourable step	€ 8,444,860 Total debts 2024: € 8,444,860 Unchanged (€ 8,453,323) Favourable step	€ 6,779,699 Total debts 2025: € 6,779,699 ▼ 20% vs 2024 (€ 8,444,860) Favourable step	▼ 20%
Cash	€ 129,160 Cash 2022: € 129,160 First fiscal year in the series	€ 36,390 Cash 2023: € 36,390 ▼ 72% vs 2022 (€ 129,160) Unfavourable step	€ 22,760 Cash 2024: € 22,760 ▼ 37% vs 2023 (€ 36,390) Unfavourable step	€ 168,528 Cash 2025: € 168,528 ▲ € 145,768 vs 2024 (€ 22,760) Favourable step	▲ € 145,768
Land & buildings	€ 9,619,288 Land & buildings 2022: € 9,619,288 First fiscal year in the series	€ 9,269,519 Land & buildings 2023: € 9,269,519 ▼ 4% vs 2022 (€ 9,619,288) Unchanged	€ 9,012,783 Land & buildings 2024: € 9,012,783 ▼ 3% vs 2023 (€ 9,269,519) Unchanged	€ 7,648,172 Land & buildings 2025: € 7,648,172 ▼ 15% vs 2024 (€ 9,012,783) Unchanged	▼ 15%
Retained profit	€ 1,051,608 Retained profit 2022: € 1,051,608 First fiscal year in the series	€ 1,102,515 Retained profit 2023: € 1,102,515 ▲ 5% vs 2022 (€ 1,051,608) Favourable step	€ 867,072 Retained profit 2024: € 867,072 ▼ 21% vs 2023 (€ 1,102,515) Unfavourable step	€ 906,676 Retained profit 2025: € 906,676 ▲ 5% vs 2024 (€ 867,072) Favourable step	▲ 5%
Bank debt	€ 8,328,293 Bank debt 2022: € 8,328,293 First fiscal year in the series	€ 7,758,329 Bank debt 2023: € 7,758,329 ▼ 7% vs 2022 (€ 8,328,293) Favourable step	€ 7,642,739 Bank debt 2024: € 7,642,739 ▼ 1% vs 2023 (€ 7,758,329) Favourable step	€ 3,935,533 Bank debt 2025: € 3,935,533 ▼ 49% vs 2024 (€ 7,642,739) Favourable step	▼ 49%
Balance sheet total	€ 10,203,530 Balance sheet total 2022: € 10,203,530 First fiscal year in the series	€ 9,744,675 Balance sheet total 2023: € 9,744,675 ▼ 4% vs 2022 (€ 10,203,530) Unchanged	€ 9,498,235 Balance sheet total 2024: € 9,498,235 ▼ 3% vs 2023 (€ 9,744,675) Unchanged	€ 7,870,144 Balance sheet total 2025: € 7,870,144 ▼ 17% vs 2024 (€ 9,498,235) Unchanged	▼ 17%
Employees (FTE)	0.8 Employees (FTE) 2022: 0.8 First fiscal year in the series	1.6 Employees (FTE) 2023: 1.6 ▲ 0.8 vs 2022 (0.8) Unchanged	1.8 Employees (FTE) 2024: 1.8 ▲ 0.2 vs 2023 (1.6) Unchanged	1.3 Employees (FTE) 2025: 1.3 ▼ 0.5 vs 2024 (1.8) Unchanged	▼ 0.5

Key figures of MALUVER, 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 July 2027.

What happened to MALUVER?

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

Jul 28, 2026 New annual accounts for financial year 2025: profit of € 39,604. Source: NBB ↗
2004 Esther Dhaenens became a director. NBB
2004 Jonas Dhaenens became a director. NBB
Jul 23, 1993 New establishment in Gent. KBO
1993 Luc Dhaenens became a director. NBB
Apr 19, 1993 Start of the company according to the CBE. KBO

In short

From € 151,228 profit in 2022 to € 39,604 profit in 2025.

Paid € 68,300 in corporate taxes since 2022.

Best year ever: 2022, with € 151,228 profit.

On average € 835,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Esther Dhaenens Jonas Dhaenens Luc Dhaenens

PIMPERNEL

MALUVER

Port Office Park

DVV PARTNERS

+10

Behind MALUVER are Esther Dhaenens, Jonas Dhaenens and Luc Dhaenens. The same people are also behind PIMPERNEL. Jonas Dhaenens is also behind Port Office Park, COMBELL, WATT FACTORY, URBAN PLAN and SMARTFIN VENTURES. Luc Dhaenens is also behind DVV PARTNERS.

Directors

According to the 2025 annual accounts

Esther Dhaenens

Director

Also active at: PIMPERNEL

since 2004

Jonas Dhaenens

Director

Also active at: PIMPERNEL, Port Office Park, COMBELL, WATT FACTORY, URBAN PLAN, SMARTFIN VENTURES, Settle, PITCHDRIVE +4 more

since 2004

Luc Dhaenens

Managing director

Also active at: PIMPERNEL, DVV PARTNERS

since 1993

Establishments

Establishment units

Physical locations of this company

Registered office

Antwerpsesteenweg 460

9040 Gent

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

Details

Company number: 0449.940.438
VAT number: BE 0449.940.438
Registered office: Antwerpsesteenweg 460, 9040 Gent
Names & denominations: MALUVER
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 19 April 1993
Peppol: Active · Active since 9 Sept 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗