What does Assurema do?

Assurema is an insurance broker in Zele. Private Limited, started on 20 April 1995, 3 establishments.

What is the address of Assurema?

The registered office of Assurema is located at Dendermondebaan 206 box A, 9240 Zele.

Is Assurema still active?

Yes. According to the CBE (29 October 2026) Assurema is active, legal situation “Normale toestand”, started on 20 April 1995.

Is Assurema registered on Peppol?

Yes, Assurema is registered on the Peppol network with ID 0208:0455083715.

What is the enterprise number of Assurema?

The enterprise number of Assurema is BE0455083715.

When was Assurema founded?

Assurema was founded on 20 April 1995.

Who are the directors of Assurema?

According to the 2025 annual accounts, the directors of Assurema are: Johan De Proft.

Is Assurema a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 20 April 1995; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 3 establishments in the CBE.

How much profit did Assurema make in 2025?

Assurema posted a profit after taxes of € 297,225 in financial year 2025.

What is the revenue of Assurema?

As a small company, Assurema is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,362,899.

How much does an employee at Assurema earn?

The average wage cost per full-time employee at Assurema was € 65,600 in 2025: staff costs of € 570,714 for 8.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Assurema have?

According to the 2025 annual accounts, Assurema has 8.7 full-time equivalents (FTE).

Does Assurema have a website?

Yes, Assurema has a website at assurema.be.

Assurema (Private Limited) - Zele - BE0455083715

Dossier Assurema, printed on 29 October 2026 from databakkes.be/en/0455083715/assurema. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
Figures corrected NBB

Corrected annual account filed for 2025.

Financials

Financial year 2025

Assurema from Zele, company number BE0455083715, closed financial year 2025 with a result of € 297,225 after tax. For that financial year Assurema recorded a gross margin of € 1.4 million and equity of € 709,840. Compared with financial year 2024, the result moved from € 281,608 to € 297,225. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 24, 2026.

What it is worth Growing

€ 709,840

▲ 26% vs 2024

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

Profit Growing

€ 297,225

▲ 6% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1,271

▼ 99% vs 2024

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

Where the profit goes Pays out

€ 150,000 paid out

50 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

8.7

▲ 0.5 vs 2024

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

Wage cost

€ 570,714

▲ 13% vs 2024

€ 65,600 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

€ 510,361

▲ € 413,900 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 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.

€ 967,875

▼ 25% vs 2024

€ 272,704 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 155,813

▲ € 133,365 vs 2024

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

Taxes and wages

€ 118,242

▼ 19% 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	€ 673,352 Gross margin 2022: € 673,352 First fiscal year in the series	€ 818,868 Gross margin 2023: € 818,868 ▲ 22% vs 2022 (€ 673,352) Favourable step	€ 1,290,374 Gross margin 2024: € 1,290,374 ▲ 58% vs 2023 (€ 818,868) Favourable step	€ 1,362,899 Gross margin 2025: € 1,362,899 ▲ 6% vs 2024 (€ 1,290,374) Favourable step	▲ 6%
Profit after taxes	€ 96,093 Profit after taxes 2022: € 96,093 First fiscal year in the series	€ 124,878 Profit after taxes 2023: € 124,878 ▲ 30% vs 2022 (€ 96,093) Favourable step	€ 281,608 Profit after taxes 2024: € 281,608 ▲ 126% vs 2023 (€ 124,878) Favourable step	€ 297,225 Profit after taxes 2025: € 297,225 ▲ 6% vs 2024 (€ 281,608) Favourable step	▲ 6%
Equity	€ 256,129 Equity 2022: € 256,129 First fiscal year in the series	€ 331,007 Equity 2023: € 331,007 ▲ 29% vs 2022 (€ 256,129) Favourable step	€ 562,615 Equity 2024: € 562,615 ▲ 70% vs 2023 (€ 331,007) Favourable step	€ 709,840 Equity 2025: € 709,840 ▲ 26% vs 2024 (€ 562,615) Favourable step	▲ 26%
Total debts	€ 814,177 Total debts 2022: € 814,177 First fiscal year in the series	€ 1,767,487 Total debts 2023: € 1,767,487 ▲ 117% vs 2022 (€ 814,177) Unfavourable step	€ 1,536,668 Total debts 2024: € 1,536,668 ▼ 13% vs 2023 (€ 1,767,487) Favourable step	€ 1,488,894 Total debts 2025: € 1,488,894 ▼ 3% vs 2024 (€ 1,536,668) Favourable step	▼ 3%
Cash	€ 18,345 Cash 2022: € 18,345 First fiscal year in the series	€ 1,259 Cash 2023: € 1,259 ▼ 93% vs 2022 (€ 18,345) Unfavourable step	€ 166,858 Cash 2024: € 166,858 ▲ € 165,599 vs 2023 (€ 1,259) Favourable step	€ 1,271 Cash 2025: € 1,271 ▼ 99% vs 2024 (€ 166,858) Unfavourable step	▼ 99%
Land & buildings	-	-	-	€ 7,201 Land & buildings 2025: € 7,201 First fiscal year in the series
Retained profit	€ 243,682 Retained profit 2022: € 243,682 First fiscal year in the series	€ 318,560 Retained profit 2023: € 318,560 ▲ 31% vs 2022 (€ 243,682) Favourable step	€ 550,168 Retained profit 2024: € 550,168 ▲ 73% vs 2023 (€ 318,560) Favourable step	€ 697,393 Retained profit 2025: € 697,393 ▲ 27% vs 2024 (€ 550,168) Favourable step	▲ 27%
Dividend	€ 18,000 Dividend 2022: € 18,000 First fiscal year in the series	€ 50,000 Dividend 2023: € 50,000 ▲ 178% vs 2022 (€ 18,000) Unchanged	€ 50,000 Dividend 2024: € 50,000 Unchanged (€ 50,000) Unchanged	€ 150,000 Dividend 2025: € 150,000 ▲ 200% vs 2024 (€ 50,000) Unchanged	▲ 200%
Bank debt	€ 705,118 Bank debt 2022: € 705,118 First fiscal year in the series	€ 1,502,177 Bank debt 2023: € 1,502,177 ▲ 113% vs 2022 (€ 705,118) Unfavourable step	€ 1,289,112 Bank debt 2024: € 1,289,112 ▼ 14% vs 2023 (€ 1,502,177) Favourable step	€ 967,875 Bank debt 2025: € 967,875 ▼ 25% vs 2024 (€ 1,289,112) Favourable step	▼ 25%
Balance sheet total	€ 1,070,305 Balance sheet total 2022: € 1,070,305 First fiscal year in the series	€ 2,098,494 Balance sheet total 2023: € 2,098,494 ▲ 96% vs 2022 (€ 1,070,305) Unchanged	€ 2,099,283 Balance sheet total 2024: € 2,099,283 Unchanged (€ 2,098,494) Unchanged	€ 2,298,734 Balance sheet total 2025: € 2,298,734 ▲ 10% vs 2024 (€ 2,099,283) Unchanged	▲ 10%
Employees (FTE)	-	6.9 Employees (FTE) 2023: 6.9 First fiscal year in the series	8.2 Employees (FTE) 2024: 8.2 ▲ 1.3 vs 2023 (6.9) Unchanged	8.7 Employees (FTE) 2025: 8.7 ▲ 0.5 vs 2024 (8.2) Unchanged	▲ 0.5

Key figures of Assurema, 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 Assurema?

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

Sep 24, 2026 Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
2020 Johan De Proft became a director. NBB
Sep 19, 2018 New establishment in Dendermonde. KBO
Sep 19, 2018 New establishment in Lebbeke. KBO
Jan 17, 2003 New establishment in Zele. KBO
Apr 20, 1995 Start of the company according to the CBE. KBO

In short

From € 96,093 profit in 2022 to € 297,225 profit in 2025.

Paid € 290,110 in corporate taxes since 2022.

Best year ever: 2025, with € 297,225 profit.

On average € 156,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Johan De Proft 73.2%

Marjan De Proft 25.1%

Isabel Agnes De Proft 1.6%

Geert De Proft 0.1%

Assurema

Behind Assurema is Johan De Proft. The shares are held by Johan De Proft (73.2%), Marjan De Proft (25.1%), Isabel Agnes De Proft (1.6%) and Geert De Proft (0.1%).

Directors

According to the 2025 annual accounts

Johan De Proft

Director

Owns 73.2% directly

Also active at: EUROVEILING - FLOWERS & PLANTS, PROFINA, PATICON

since 2020

Shareholders

Johan De Proft · director

73.2%

Marjan De Proft

25.1%

Isabel Agnes De Proft

1.6%

Geert De Proft

0.1%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Dendermondebaan 206 box A

9240 Zele

2.281.444.057

Zandstraat (APP) 88

9200 Dendermonde

Active since 19 September 2018

2.281.444.156

Leo Duboisstraat 43 box A

9280 Lebbeke

Active since 19 September 2018

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

Website

HTTPS assurema.be

Canonical: https://www.assurema.be/nl-be

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Details

Company number: 0455.083.715
VAT number: BE 0455.083.715
Registered office: Dendermondebaan 206 bus A, 9240 Zele
Names & denominations: Assurema
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 20 April 1995
Peppol: Active · Active since 16 Feb 2026
Contact: assurema.be
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗