Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ZAKENKANTOOR P.H.F. from Merchtem, company number BE0451419687, closed financial year 2025 with a result of € -12,597 after tax. For that financial year ZAKENKANTOOR P.H.F. recorded a gross margin of € -8,719 and equity of € -8,699. Compared with financial year 2024, the result moved from € -3,873 to € -12,597. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on December 6, 2025.
€ -8,699
▼ € 12,597 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -12,597
▼ 225 % more loss than in 2024
Profit after tax over the fiscal year.
€ 575
▲ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -70,672.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 151
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 192
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,807 | € 8,813 | € 285 | € -8,719 | ▼ € 9,004 |
| Profit after taxes | € -6,050 | € 1,173 | € -3,873 | € -12,597 | ▼ € 8,724 |
| Equity | € 6,598 | € 7,771 | € 3,898 | € -8,699 | ▼ € 12,597 |
| Total debts | € 30,978 | € 27,534 | € 24,502 | € 35,950 | ▲ 47% |
| Cash | € 4,044 | € 5,692 | € 550 | € 575 | ▲ 5% |
| Land & buildings | € 28,937 | € 28,156 | € 27,416 | € 26,676 | ▼ 3% |
| Retained profit | € -55,375 | € -54,202 | € -58,075 | € -70,672 | ▼ € 12,597 |
| Bank debt | € 25,000 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 37,576 | € 35,305 | € 28,400 | € 27,251 | ▼ 4% |
Key figures of ZAKENKANTOOR P.H.F., 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 ZAKENKANTOOR P.H.F.?
What happened at ZAKENKANTOOR P.H.F. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 12,597. Source: NBB ↗
- PIERRE DEMUNTER became a director. NBB
- VEERLE DEMUNTER became a director. NBB
- New establishment in Linter. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,050 loss in 2022 to € 12,597 loss in 2025.
Paid € 5,502 in corporate taxes since 2022.
Best year ever: 2023, with € 1,173 profit.
A new publication or filing at ZAKENKANTOOR P.H.F.? We notify you, reason included.
Follow ZAKENKANTOOR P.H.F.Databakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 ZAKENKANTOOR P.H.F. are VEERLE DEMUNTER and PIERRE DEMUNTER.
Directors
According to the 2025 annual accounts
VEERLE DEMUNTER
Director
since 2009
PIERRE DEMUNTER
Managing director
since 2017
Establishments
Establishment units
Physical locations of this company
De Keersmaekerlaan 19
1785 Merchtem
Sint-Truidensesteenweg(ORS) 89 C
3350 Linter
Active since 20 December 1993
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
- 0451.419.687
- VAT number
- BE 0451.419.687
- Registered office
- De Keersmaekerlaan 19, 1785 Merchtem
- Names & denominations
- ZAKENKANTOOR P.H.F.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 16 November 1993
- Peppol
- Active · Active since 23 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars