What does Finlo Verzekeringen do?

Finlo Verzekeringen is an insurance broker in Lochristi. Private Limited, started on 25 August 1994, 1 establishment.

What is the address of Finlo Verzekeringen?

The registered office of Finlo Verzekeringen is located at Pieter Ghesquièreweg 2 box 1, 9080 Lochristi.

Is Finlo Verzekeringen still active?

Yes. According to the CBE (30 October 2026) Finlo Verzekeringen is active, legal situation “Normale toestand”, started on 25 August 1994.

Is Finlo Verzekeringen registered on Peppol?

Yes, Finlo Verzekeringen is registered on the Peppol network with ID 0208:0453273773.

What is the enterprise number of Finlo Verzekeringen?

The enterprise number of Finlo Verzekeringen is BE0453273773.

When was Finlo Verzekeringen founded?

Finlo Verzekeringen was founded on 25 August 1994.

Who are the directors of Finlo Verzekeringen?

According to the 2025 annual accounts, the directors of Finlo Verzekeringen are: AMJ DN BV, GCDS, Finlo Invest.

Is Finlo Verzekeringen a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 25 August 1994; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did Finlo Verzekeringen make in 2025?

Finlo Verzekeringen recorded a loss after taxes of € 48,640 in financial year 2025.

What is the revenue of Finlo Verzekeringen?

As a small company, Finlo Verzekeringen is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 93,994.

How much does an employee at Finlo Verzekeringen earn?

The average wage cost per full-time employee at Finlo Verzekeringen was € 50,500 in 2025: staff costs of € 50,463 for 1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Finlo Verzekeringen have?

According to the 2025 annual accounts, Finlo Verzekeringen has 1 full-time equivalents (FTE).

Finlo Verzekeringen (Private Limited) - Lochristi

Dossier Finlo Verzekeringen, printed on 30 October 2026 from databakkes.be/en/0453273773/finlo-verzekeringen. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Finlo Verzekeringen from Lochristi, company number BE0453273773, closed financial year 2025 with a result of € -48,640 after tax. For that financial year Finlo Verzekeringen recorded a gross margin of € 93,994 and equity of € 170,479. Compared with financial year 2024, the result moved from € 18,216 to € -48,640. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 16, 2026.

What it is worth Healthy

€ 170,479

▼ 22% vs 2024

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

Loss Caution

€ -48,640

▼ still € 18,216 profit in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 99,764

▼ 40% vs 2024

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

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 151,929.

People and assets in 2025

Full-time equivalents

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

Wage cost

€ 50,463

€ 50,500 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

€ 9,257

▼ 26% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 429,736

▼ 14% vs 2024

€ 70,101 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 22,836

▲ 73% vs 2024

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

Wages and social charges

€ 5,070

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 56,007 Gross margin 2022: € 56,007 First fiscal year in the series	€ 183,393 Gross margin 2023: € 183,393 ▲ 227% vs 2022 (€ 56,007) Favourable step	€ 96,690 Gross margin 2024: € 96,690 ▼ 47% vs 2023 (€ 183,393) Unfavourable step	€ 93,994 Gross margin 2025: € 93,994 ▼ 3% vs 2024 (€ 96,690) Unfavourable step	▼ 3%
Profit after taxes	€ 28,936 Profit after taxes 2022: € 28,936 First fiscal year in the series	€ 80,937 Profit after taxes 2023: € 80,937 ▲ 180% vs 2022 (€ 28,936) Favourable step	€ 18,216 Profit after taxes 2024: € 18,216 ▼ 77% vs 2023 (€ 80,937) Unfavourable step	€ -48,640 Profit after taxes 2025: € -48,640 ▼ € 66,856 vs 2024 (€ 18,216) Unfavourable step	▼ € 66,856
Equity	€ 119,965 Equity 2022: € 119,965 First fiscal year in the series	€ 200,902 Equity 2023: € 200,902 ▲ 67% vs 2022 (€ 119,965) Favourable step	€ 219,119 Equity 2024: € 219,119 ▲ 9% vs 2023 (€ 200,902) Favourable step	€ 170,479 Equity 2025: € 170,479 ▼ 22% vs 2024 (€ 219,119) Unfavourable step	▼ 22%
Total debts	€ 1,124,336 Total debts 2022: € 1,124,336 First fiscal year in the series	€ 506,870 Total debts 2023: € 506,870 ▼ 55% vs 2022 (€ 1,124,336) Favourable step	€ 531,260 Total debts 2024: € 531,260 ▲ 5% vs 2023 (€ 506,870) Unfavourable step	€ 504,991 Total debts 2025: € 504,991 ▼ 5% vs 2024 (€ 531,260) Favourable step	▼ 5%
Cash	€ 636,802 Cash 2022: € 636,802 First fiscal year in the series	€ 21,013 Cash 2023: € 21,013 ▼ 97% vs 2022 (€ 636,802) Unfavourable step	€ 165,461 Cash 2024: € 165,461 ▲ € 144,448 vs 2023 (€ 21,013) Favourable step	€ 99,764 Cash 2025: € 99,764 ▼ 40% vs 2024 (€ 165,461) Unfavourable step	▼ 40%
Retained profit	€ 101,415 Retained profit 2022: € 101,415 First fiscal year in the series	€ 182,352 Retained profit 2023: € 182,352 ▲ 80% vs 2022 (€ 101,415) Favourable step	€ 200,569 Retained profit 2024: € 200,569 ▲ 10% vs 2023 (€ 182,352) Favourable step	€ 151,929 Retained profit 2025: € 151,929 ▼ 24% vs 2024 (€ 200,569) Unfavourable step	▼ 24%
Bank debt	€ 525,055 Bank debt 2022: € 525,055 First fiscal year in the series	€ 480,354 Bank debt 2023: € 480,354 ▼ 9% vs 2022 (€ 525,055) Favourable step	€ 497,320 Bank debt 2024: € 497,320 ▲ 4% vs 2023 (€ 480,354) Unfavourable step	€ 429,736 Bank debt 2025: € 429,736 ▼ 14% vs 2024 (€ 497,320) Favourable step	▼ 14%
Balance sheet total	€ 1,244,301 Balance sheet total 2022: € 1,244,301 First fiscal year in the series	€ 707,772 Balance sheet total 2023: € 707,772 ▼ 43% vs 2022 (€ 1,244,301) Unchanged	€ 750,379 Balance sheet total 2024: € 750,379 ▲ 6% vs 2023 (€ 707,772) Unchanged	€ 675,471 Balance sheet total 2025: € 675,471 ▼ 10% vs 2024 (€ 750,379) Unchanged	▼ 10%
Employees (FTE)	-	-	-	1 Employees (FTE) 2025: 1 First fiscal year in the series

Key figures of Finlo Verzekeringen, 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 Finlo Verzekeringen?

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

Jul 16, 2026 New annual accounts for financial year 2025: loss of € 48,640 (▼ € 66,856 vs 2024). Source: NBB ↗
2026 AMJ DN BV became a director. NBB
2024 GCDS became a director. NBB
2019 Finlo Invest became a director. NBB
Sep 23, 1994 New establishment in Lochristi. KBO
Aug 25, 1994 Start of the company according to the CBE. KBO

In short

From € 28,936 profit in 2022 to € 48,640 loss in 2025.

Paid € 41,951 in corporate taxes since 2022.

Best year ever: 2023, with € 80,937 profit.

On average € 94,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Finlo Invest 100%

The stake of Finlo Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Finlo Verzekeringen

Behind Finlo Verzekeringen are AMJ DN BV, GCDS and Finlo Invest. The shares are held by Finlo Invest (100%).

Directors

According to the 2025 annual accounts

AMJ DN BV

Director · represented by Karen Ingels

Also active at: Kantoor Finlo, Finlo Invest

since 2026

GCDS

Director · represented by Gaétan De Staercke

since 2024

Finlo Invest

Director · represented by Sebastiaan Cant

Also active at: Kantoor Finlo

since 2019

Shareholders

Finlo Invest

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Pieter Ghesquièreweg 2 box 1

9080 Lochristi

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.

All companies at this address →

Kantoor Finlo same network

€ 276,998 gross margin · 2025

Finlo Invest same network

€ 388,112 gross margin · 2025

FINLO GROEP

VERENIGING VAN MEDE-EIGENAARS VAN HET WOONPARK HET PARK, BLOK A, RESIDENTIE BEUK, DORP-OOST 69-9080 LOCHRISTI.

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

Details

Company number: 0453.273.773
VAT number: BE 0453.273.773
Registered office: Pieter Ghesquièreweg 2 bus 1, 9080 Lochristi
Names & denominations: Finlo Verzekeringen
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 25 August 1994
Peppol: Active · Active since 18 Nov 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗