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 35 % of short-term debt in 2024; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 27.4 to 22.6.
Financials
Financial year 2024
D'HONDT INSURANCE from Brugge, company number BE0451836292, closed financial year 2024 with a result of € 44,740 after tax. For that financial year D'HONDT INSURANCE recorded a gross margin of € 2 million and equity of € 2.2 million. Compared with financial year 2023, the result moved from € 190,375 to € 44,740. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2025.
€ 2.2 million
▲ 2% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 44,740
▼ 76% vs 2023
Profit after tax over the fiscal year.
€ 2.6 million
▲ € 2.6 million vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 781,189.
People and assets in 2024
22.6
▼ 2.6 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 1.5 million
▼ 9% vs 2023
€ 68,400 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.
€ 75,330
▼ 4% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 1.7 million
▼ 55% vs 2023
€ 745,446 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 8.4 million
▲ 33% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 219,113
▼ 16% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 1,902,871 | € 1,923,504 | € 2,228,949 | € 1,989,522 | ▼ 11% |
| Profit after taxes | € 34,330 | € -5,628 | € 190,375 | € 44,740 | ▼ 76% |
| Equity | € 1,541,150 | € 2,081,155 | € 2,167,111 | € 2,211,851 | ▲ 2% |
| Total debts | € 8,842,717 | € 9,365,619 | € 10,618,744 | € 10,349,416 | ▼ 3% |
| Cash | € 148,936 | € 246,692 | € 56,280 | € 2,641,609 | ▲ € 2.6 million |
| Land & buildings | € 1,541,013 | € 2,002,298 | € 1,927,329 | € 1,548,938 | ▼ 20% |
| Retained profit | € 636,400 | € 630,772 | € 726,589 | € 781,189 | ▲ 8% |
| Dividend | € 0 | € 0 | € 104,418 | € 0 | ▼ 100% |
| Bank debt | € 1,326,088 | € 2,153,384 | € 3,836,075 | € 1,710,623 | ▼ 55% |
| Balance sheet total | € 10,383,867 | € 11,446,774 | € 12,785,855 | € 12,561,267 | ▼ 2% |
| Employees (FTE) | 26.7 | 27.4 | 25.2 | 22.6 | ▼ 2.6 |
Key figures of D'HONDT INSURANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to D'HONDT INSURANCE?
What happened at D'HONDT INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- D'Hondt Insurance Consulting stepped down as director. NBB
- Matics BV stepped down as director. NBB
- Gelach BV stepped down as director. NBB
- D & G stepped down as director. NBB
- New annual accounts for financial year 2024: profit of € 44,740 (▼ 76% vs 2023). Source: NBB ↗
- D'Hondt Insurance Consulting became a director. NBB
- Matics BV became a director. NBB
- Gelach BV became a director. NBB
In short
From € 34,330 profit in 2021 to € 44,740 profit in 2024.
Paid € 175,897 in corporate taxes since 2021.
Best year ever: 2023, with € 190,375 profit.
On average € 88,000 of value added per employee in 2024.
A new publication or filing at D'HONDT INSURANCE? We notify you, reason included.
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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
The stake of D'HONDT INSURANCE CONSULTING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
D'HONDT INSURANCEThe shares are held by D'HONDT INSURANCE CONSULTING (99.7%). It owns 100% of RMC Poland and 100% of RMC Insurance Consultants International itself.
Directors
According to the 2024 annual accounts
Director · represented by Kurt D'Hondt
Also active at: TRAITEUR CARDINAL, ODETTE BRUGGE, FVC VERZEKERINGEN, FLUO VISUAL
since 2021 · until 2027
Director · represented by Mathias De Croock
since 2021 · until 2027
Director · represented by Geert Lammertyn
since 2021 · until 2027
Director · represented by Leen Gezelle
Also active at: TRAITEUR CARDINAL, ODETTE BRUGGE, FVC VERZEKERINGEN, FLUO VISUAL
since 2021 · until 2027
Shareholders
Participations
RMC Poland
100%
RMC Insurance Consultants International
100%
Establishments
Establishment units
Physical locations of this company
Gistelse Steenweg 302 box 1
8200 Brugge
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →De tandartsen
TOECAN
€ 86,016 gross margin · 2024
FVC VERZEKERINGEN same network
€ 600,979 gross margin · 2024
Crème Glace
D’HONDT INSURANCE GROUP
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0451.836.292
- VAT number
- BE 0451.836.292
- Registered office
- Gistelse Steenweg 302 bus 1, 8200 Brugge
- Names & denominations
- D'HONDT INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 January 1994
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis