What does VANBREDA DEKERF do?

VANBREDA DEKERF is an insurance broker in Ternat. Public Limited, started on 21 December 1993, 1 establishment.

What is the address of VANBREDA DEKERF?

The registered office of VANBREDA DEKERF is located at Statiestraat 84, 1740 Ternat.

Is VANBREDA DEKERF still active?

Yes. According to the CBE (29 October 2026) VANBREDA DEKERF is active, legal situation “Normale toestand”, started on 21 December 1993.

Is VANBREDA DEKERF registered on Peppol?

Yes, VANBREDA DEKERF is registered on the Peppol network with ID 0208:0451680203.

What is the enterprise number of VANBREDA DEKERF?

The enterprise number of VANBREDA DEKERF is BE0451680203.

When was VANBREDA DEKERF founded?

VANBREDA DEKERF was founded on 21 December 1993.

Who are the directors of VANBREDA DEKERF?

According to the 2025 annual accounts, the directors of VANBREDA DEKERF are: Pascal Joosten, Koen Dierckx, Pedro Ludovicus Honoré Matthynssens, Dekerf - Deberdt NV.

Is VANBREDA DEKERF a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 21 December 1993; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account.

How much profit did VANBREDA DEKERF make in 2025?

VANBREDA DEKERF posted a profit after taxes of € 428,413 in financial year 2025.

What is the revenue of VANBREDA DEKERF?

As a small company, VANBREDA DEKERF is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,147,454.

How much does an employee at VANBREDA DEKERF earn?

The average wage cost per full-time employee at VANBREDA DEKERF was € 85,500 in 2025: staff costs of € 504,593 for 5.9 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does VANBREDA DEKERF have?

According to the 2025 annual accounts, VANBREDA DEKERF has 5.9 full-time equivalents (FTE).

VANBREDA DEKERF (Public Limited) - Ternat - BE0451680203

Dossier VANBREDA DEKERF, printed on 29 October 2026 from databakkes.be/en/0451680203/vanbreda-dekerf. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

VANBREDA DEKERF from Ternat, company number BE0451680203, closed financial year 2025 with a result of € 428,413 after tax. For that financial year VANBREDA DEKERF recorded a gross margin of € 1.1 million and equity of € 1.9 million. Compared with financial year 2024, the result moved from € 352,125 to € 428,413. 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 March 20, 2026.

What it is worth Growing

€ 1.9 million

▲ 5% vs 2024

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

Profit Growing

€ 428,413

▲ 22% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1.1 million

▲ 114% vs 2024

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

Where the profit goes Pays out

€ 342,731 paid out

80 % of the profit went to the shareholders, mostly to VANBREDA RISK & BENEFITS (60 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

5.9

▼ 2.8 vs 2024

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

Wage cost

€ 504,593

▲ 105% vs 2024

€ 85,500 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

€ 49,868

▼ 49% vs 2024

Book value of vehicles, furniture and equipment.

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.

€ 10,484

▼ 39% vs 2024

€ 4,072 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 42,505

▼ 14% vs 2024

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

Taxes and wages

€ 95,299

▲ 163% 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	€ 857,040 Gross margin 2022: € 857,040 First fiscal year in the series	€ 920,375 Gross margin 2023: € 920,375 ▲ 7% vs 2022 (€ 857,040) Favourable step	€ 780,883 Gross margin 2024: € 780,883 ▼ 15% vs 2023 (€ 920,375) Unfavourable step	€ 1,147,454 Gross margin 2025: € 1,147,454 ▲ 47% vs 2024 (€ 780,883) Favourable step	▲ 47%
Profit after taxes	€ 366,265 Profit after taxes 2022: € 366,265 First fiscal year in the series	€ 398,006 Profit after taxes 2023: € 398,006 ▲ 9% vs 2022 (€ 366,265) Favourable step	€ 352,125 Profit after taxes 2024: € 352,125 ▼ 12% vs 2023 (€ 398,006) Unfavourable step	€ 428,413 Profit after taxes 2025: € 428,413 ▲ 22% vs 2024 (€ 352,125) Favourable step	▲ 22%
Equity	€ 1,790,724 Equity 2022: € 1,790,724 First fiscal year in the series	€ 1,966,635 Equity 2023: € 1,966,635 ▲ 10% vs 2022 (€ 1,790,724) Favourable step	€ 1,792,480 Equity 2024: € 1,792,480 ▼ 9% vs 2023 (€ 1,966,635) Unfavourable step	€ 1,878,162 Equity 2025: € 1,878,162 ▲ 5% vs 2024 (€ 1,792,480) Favourable step	▲ 5%
Total debts	€ 267,450 Total debts 2022: € 267,450 First fiscal year in the series	€ 183,774 Total debts 2023: € 183,774 ▼ 31% vs 2022 (€ 267,450) Favourable step	€ 160,617 Total debts 2024: € 160,617 ▼ 13% vs 2023 (€ 183,774) Favourable step	€ 579,659 Total debts 2025: € 579,659 ▲ 261% vs 2024 (€ 160,617) Unfavourable step	▲ 261%
Cash	€ 1,010,918 Cash 2022: € 1,010,918 First fiscal year in the series	€ 1,148,449 Cash 2023: € 1,148,449 ▲ 14% vs 2022 (€ 1,010,918) Favourable step	€ 528,788 Cash 2024: € 528,788 ▼ 54% vs 2023 (€ 1,148,449) Unfavourable step	€ 1,130,769 Cash 2025: € 1,130,769 ▲ 114% vs 2024 (€ 528,788) Favourable step	▲ 114%
Retained profit	€ 1,778,400 Retained profit 2022: € 1,778,400 First fiscal year in the series	€ 1,954,312 Retained profit 2023: € 1,954,312 ▲ 10% vs 2022 (€ 1,778,400) Favourable step	€ 1,730,980 Retained profit 2024: € 1,730,980 ▼ 11% vs 2023 (€ 1,954,312) Unfavourable step	€ 1,816,662 Retained profit 2025: € 1,816,662 ▲ 5% vs 2024 (€ 1,730,980) Favourable step	▲ 5%
Dividend	€ 784,370 Dividend 2022: € 784,370 First fiscal year in the series	€ 222,095 Dividend 2023: € 222,095 ▼ 72% vs 2022 (€ 784,370) Unchanged	€ 526,280 Dividend 2024: € 526,280 ▲ 137% vs 2023 (€ 222,095) Unchanged	€ 342,731 Dividend 2025: € 342,731 ▼ 35% vs 2024 (€ 526,280) Unchanged	▼ 35%
Bank debt	€ 43,585 Bank debt 2022: € 43,585 First fiscal year in the series	€ 38,454 Bank debt 2023: € 38,454 ▼ 12% vs 2022 (€ 43,585) Favourable step	€ 17,219 Bank debt 2024: € 17,219 ▼ 55% vs 2023 (€ 38,454) Favourable step	€ 10,484 Bank debt 2025: € 10,484 ▼ 39% vs 2024 (€ 17,219) Favourable step	▼ 39%
Balance sheet total	€ 2,058,173 Balance sheet total 2022: € 2,058,173 First fiscal year in the series	€ 2,150,409 Balance sheet total 2023: € 2,150,409 ▲ 4% vs 2022 (€ 2,058,173) Unchanged	€ 1,953,097 Balance sheet total 2024: € 1,953,097 ▼ 9% vs 2023 (€ 2,150,409) Unchanged	€ 2,457,821 Balance sheet total 2025: € 2,457,821 ▲ 26% vs 2024 (€ 1,953,097) Unchanged	▲ 26%
Employees (FTE)	7 Employees (FTE) 2022: 7 First fiscal year in the series	8.4 Employees (FTE) 2023: 8.4 ▲ 1.4 vs 2022 (7) Unchanged	8.7 Employees (FTE) 2024: 8.7 ▲ 0.3 vs 2023 (8.4) Unchanged	5.9 Employees (FTE) 2025: 5.9 ▼ 2.8 vs 2024 (8.7) Unchanged	▼ 2.8

Key figures of VANBREDA DEKERF, 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 VANBREDA DEKERF?

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

2030 Pascal Joosten stepped down as director. NBB
2030 Koen Dierckx stepped down as director. NBB
2030 Dekerf - Deberdt NV stepped down as director. NBB
2028 Pedro Ludovicus Honoré Matthynssens stepped down as director. NBB
Mar 20, 2026 New annual accounts for financial year 2025: profit of € 428,413 (▲ 22% vs 2024). Source: NBB ↗
2024 Dekerf - Deberdt NV became a director. NBB
2024 Pascal Joosten became a director. NBB
2024 Koen Dierckx became a director. NBB

In short

From € 366,265 profit in 2022 to € 428,413 profit in 2025.

Paid € 581,132 in corporate taxes since 2022.

Best year ever: 2025, with € 428,413 profit.

On average € 194,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

VANBREDA RISK & BENEFITS 60%

The stake of VANBREDA RISK & BENEFITS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

VANBREDA DEKERF

The shares are held by VANBREDA RISK & BENEFITS (60%).

Directors

According to the 2025 annual accounts

Pascal Joosten

Director

Also active at: Vanbreda Mediùs, VANBREDA CORNELIS, VANBREDA MISSINNE, VANBREDA GEERTS, VANBREDA AUSLOOS, VANBREDA HUYSMANS

since 2024 · until 2030

Koen Dierckx

Director

Also active at: VANBREDA SERVICES, Vanbreda Marine

since 2024 · until 2030

Pedro Ludovicus Honoré Matthynssens

Director

since 2024 · until 2028

Dekerf - Deberdt NV

Director · represented by Dirk Dekerf

since 2024 · until 2030

Shareholders

VANBREDA RISK & BENEFITS

60%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Statiestraat 84

1740 Ternat

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 →

DEKERF CLAIMS

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

Details

Company number

0451.680.203

VAT number

BE 0451.680.203

Registered office

Statiestraat 84, 1740 Ternat

Names & denominations

VANBREDA DEKERF

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

21 December 1993

Peppol

Active · Active since 25 Nov 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

VANBREDA DEKERF

Financials

What happened to VANBREDA DEKERF?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions