Financials
Financial year 2025
HAVRICO INSURANCE from Antwerpen, company number BE0453894870, closed financial year 2025 with a result of € 327,101 after tax. For that financial year HAVRICO INSURANCE recorded a gross margin of € 1.3 million and equity of € 852,818. Compared with financial year 2024, the result moved from € 944,752 to € 327,101. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on May 21, 2026.
€ 852,818
▼ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 327,101
▼ 65% vs 2024
Profit after tax over the fiscal year.
€ 3.1 million
▼ 32% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 500,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
6.6
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 619,834
▼ 10% vs 2024
€ 93,900 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.
Debts at end 2025
€ 33,643
▼ 73% vs 2024
Loans from banks and other lenders, long and short.
€ 4 million
▲ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 187,546
▼ 62% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,568,068 | € 2,281,135 | € 1,821,525 | € 1,314,914 | ▼ 28% |
| Profit after taxes | € 1,327,305 | € 1,558,056 | € 944,752 | € 327,101 | ▼ 65% |
| Equity | € 672,908 | € 1,030,964 | € 1,025,716 | € 852,818 | ▼ 17% |
| Total debts | € 13,095,746 | € 9,984,399 | € 5,336,629 | € 4,707,259 | ▼ 12% |
| Cash | € 10,533,543 | € 8,190,852 | € 4,487,764 | € 3,057,383 | ▼ 32% |
| Retained profit | € 300,908 | € 658,964 | € 653,716 | € 480,818 | ▼ 26% |
| Dividend | € 1,100,000 | € 1,200,000 | € 950,000 | € 500,000 | ▼ 47% |
| Bank debt | € 134,441 | € 117,416 | € 126,403 | € 33,643 | ▼ 73% |
| Balance sheet total | € 13,768,654 | € 11,015,364 | € 6,362,345 | € 5,560,076 | ▼ 13% |
| Employees (FTE) | 6.9 | 6.7 | 7 | 6.6 | ▼ 0.4 |
Key figures of HAVRICO INSURANCE, 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 HAVRICO INSURANCE?
What happened at HAVRICO INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Christiaan Postelmans BV stepped down as director. NBB
- L.h. Heide Invest BV stepped down as director. NBB
- Mvv Marine BV stepped down as director. NBB
- HAVRICO NV stepped down as director. NBB
- Officiis Opus BV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 327,101 (▼ 65% vs 2024). Source: NBB ↗
- Christiaan Postelmans BV became a director. NBB
- L.h. Heide Invest BV became a director. NBB
In short
From € 1.3 million profit in 2022 to € 327,101 profit in 2025.
Paid € 1 million in corporate taxes since 2022.
Best year ever: 2023, with € 1.6 million profit.
On average € 199,200 of value added per employee in 2025.
A new publication or filing at HAVRICO 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 HAVRICO, PVV HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
HAVRICO INSURANCEThe shares are held by HAVRICO (90%) and PVV HOLDING (10%).
Directors
According to the 2025 annual accounts
Managing director · represented by Christiaan Postelmans
Also active at: PVV HOLDING, HAVRICO
since 2024 · until 2030
Chairman of the board · represented by Luc Hardeel
Also active at: HD Capital Invest, PVV HOLDING, HAVRICO
since 2024 · until 2030
since 2024 · until 2030
Director · represented by Charles Vrints
since 2024 · until 2030
Director · represented by Fabrice Degrez
since 2024 · until 2030
Shareholders
90%
10%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Godefriduskaai 26
2000 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 8 companies are registered at this address.
All companies at this address →SEABIRD INTERNATIONAL SHIPPING
€ 36.4 million revenue · 2025
LISA
€ 180,000 revenue · 2025
PVV HOLDING same network
€ -15,617 gross margin · 2025
Misericordia
Vereniging van Mede-eigenaars Residentie America te Antwerpen, Godefriduskaai 26
+3 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
- 0453.894.870
- VAT number
- BE 0453.894.870
- Registered office
- Godefriduskaai 26, 2000 Antwerpen
- Names & denominations
- HAVRICO INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 25 November 1994
- Peppol
- Active · Active since 16 Oct 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten