Financials
Financial year 2025
Vandewalle Verzekeringen from Sint-Martens-Latem, company number BE0456777255, closed financial year 2025 with a result of € 113,767 after tax. For that financial year Vandewalle Verzekeringen recorded a gross margin of € 316,271 and equity of € 134,106. Compared with financial year 2024, the result moved from € 89,214 to € 113,767. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 16, 2026.
€ 134,106
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 113,767
▲ 28% vs 2024
Profit after tax over the fiscal year.
€ 472,617
▲ 131% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 110,000 paid out
97 % of the profit went to the shareholders, mostly to ARTHELO (100 % of the shares). That is where the money ends up.
People and assets in 2025
0.8
Average over the fiscal year, from the social balance sheet.
€ 88,103
▲ 21% 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.
€ 6,156
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 168,833
▼ 26% vs 2024
€ 48,833 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 73,347
▼ 33% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,845
▼ 43% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 319,622 | € 317,138 | € 272,302 | € 316,271 | ▲ 16% |
| Profit after taxes | € 117,744 | € 126,513 | € 89,214 | € 113,767 | ▲ 28% |
| Equity | € 119,612 | € 121,125 | € 130,339 | € 134,106 | ▲ 3% |
| Total debts | € 915,615 | € 998,137 | € 774,218 | € 1,062,985 | ▲ 37% |
| Cash | € 236,422 | € 366,463 | € 205,022 | € 472,617 | ▲ 131% |
| Retained profit | € 101,062 | € 102,575 | € 111,789 | € 115,556 | ▲ 3% |
| Dividend | € 95,000 | € 125,000 | € 80,000 | € 110,000 | ▲ 38% |
| Bank debt | € 342,833 | € 284,833 | € 226,833 | € 168,833 | ▼ 26% |
| Balance sheet total | € 1,035,227 | € 1,119,262 | € 904,557 | € 1,197,091 | ▲ 32% |
| Employees (FTE) | 1.6 | 0.8 | 0.8 | 0.8 |
Key figures of Vandewalle 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 Vandewalle Verzekeringen?
What happened at Vandewalle Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 113,767 (▲ 28% vs 2024). Source: NBB ↗
- Stéphane Demeersseman became a director. NBB
- Ilse Lambrecht became a director. NBB
- New establishment in Sint-Martens-Latem. KBO
- Start of the company according to the CBE. KBO
In short
From € 117,744 profit in 2022 to € 113,767 profit in 2025.
Paid € 159,307 in corporate taxes since 2022.
Best year ever: 2023, with € 126,513 profit.
On average € 199,800 of value added per employee in 2022.
A new publication or filing at Vandewalle Verzekeringen? 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 ARTHELO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Vandewalle VerzekeringenBehind Vandewalle Verzekeringen are Stéphane Demeersseman and Ilse Lambrecht. The shares are held by ARTHELO (100%).
Directors
According to the 2025 annual accounts
Stéphane Demeersseman
Director
since 2023
Ilse Lambrecht
Director
since 2023
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kortrijksesteenweg 203 box 1
9830 Sint-Martens-Latem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0456.777.255
- VAT number
- BE 0456.777.255
- Registered office
- Kortrijksesteenweg 203 bus 1, 9830 Sint-Martens-Latem
- Names & denominations
- Vandewalle Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 December 1995
- Peppol
- Active · Active since 12 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten