Financials
Financial year 2025
De Ware Verzekeraar from Gavere, company number BE0454233974, closed financial year 2025 with a result of € 60,156 after tax. For that financial year De Ware Verzekeraar recorded a gross margin of € 394,662 and equity of € 1.5 million. Compared with financial year 2024, the result moved from € 31,372 to € 60,156. 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 April 13, 2026.
€ 1.5 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 60,156
▲ 92% vs 2024
Profit after tax over the fiscal year.
€ 339,783
▲ 126% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 1.5 million.
People and assets in 2025
€ 219,343
▼ 20% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 25,526
▼ 37% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 290,897
▼ 16% vs 2024
€ 56,082 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 21,245
▲ 249% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 30,964
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 475,965 | € 504,674 | € 407,151 | € 394,662 | ▼ 3% |
| Profit after taxes | € 7,559 | € 18,249 | € 31,372 | € 60,156 | ▲ 92% |
| Equity | € 1,385,681 | € 1,403,930 | € 1,435,302 | € 1,495,459 | ▲ 4% |
| Total debts | € 593,325 | € 489,622 | € 408,597 | € 365,558 | ▼ 11% |
| Cash | € 232,929 | € 194,472 | € 150,599 | € 339,783 | ▲ 126% |
| Land & buildings | € 1,572,382 | € 1,520,454 | € 1,468,568 | € 1,416,692 | ▼ 4% |
| Retained profit | € 1,366,897 | € 1,385,146 | € 1,416,518 | € 1,476,674 | ▲ 4% |
| Dividend | € 64,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 457,386 | € 405,925 | € 345,487 | € 290,897 | ▼ 16% |
| Balance sheet total | € 1,979,007 | € 1,893,552 | € 1,843,899 | € 1,861,016 | ▲ 1% |
Key figures of De Ware Verzekeraar, 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 April 2027.
What happened to De Ware Verzekeraar?
What happened at De Ware Verzekeraar in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 60,156 (▲ 92% vs 2024). Source: NBB ↗
- New establishment in Gavere. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,559 profit in 2022 to € 60,156 profit in 2025.
Paid € 57,151 in corporate taxes since 2022.
Best year ever: 2025, with € 60,156 profit.
Paid out € 64,000 in dividends to the owners in total.
Management
Behind De Ware Verzekeraar are Gerrit De Winter and Marc Verstraeten.
Directors
According to the 2025 annual accounts
Gerrit De Winter
Director
Marc Verstraeten
Director
Establishments
Establishment units
Physical locations of this company
Veldstraat 82
9890 Gavere
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0454.233.974
- VAT number
- BE 0454.233.974
- Registered office
- Veldstraat 82, 9890 Gavere
- Names & denominations
- De Ware Verzekeraar
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 May 1994
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten