Financials
Financial year 2025
Clario from Sint-Niklaas, company number BE0459878384, closed financial year 2025 with a result of € 51,694 after tax. For that financial year Clario recorded a gross margin of € 1.1 million and equity of € 1.8 million. Compared with financial year 2024, the result moved from € 50,783 to € 51,694. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 1, 2026.
€ 1.8 million
▼ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 51,694
▲ 2% vs 2024
Profit after tax over the fiscal year.
€ 650,719
▲ 155% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 183,858 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
8.5
▲ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 768,045
▲ 8% vs 2024
€ 90,400 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.
€ 79,293
▼ 52% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 45,388
▼ 34% vs 2024
€ 23,927 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 9,025
▼ 29% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 94,872
▼ 49% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,133,698 | € 1,409,049 | € 1,063,384 | € 1,073,464 | ▲ 1% |
| Profit after taxes | € 191,541 | € 308,733 | € 50,783 | € 51,694 | ▲ 2% |
| Equity | € 1,751,764 | € 1,924,697 | € 1,975,480 | € 1,843,315 | ▼ 7% |
| Total debts | € 406,338 | € 501,244 | € 270,418 | € 150,607 | ▼ 44% |
| Cash | € 301,264 | € 249,459 | € 255,275 | € 650,719 | ▲ 155% |
| Land & buildings | € 131,731 | € 95,853 | € 60,900 | € 41,859 | ▼ 31% |
| Retained profit | € 929,624 | € 1,102,557 | € 1,228,080 | € 1,095,915 | ▼ 11% |
| Dividend | € 87,000 | € 135,800 | € 0 | € 183,858 | |
| Bank debt | € 114,708 | € 91,936 | € 68,919 | € 45,388 | ▼ 34% |
| Balance sheet total | € 2,170,679 | € 2,435,193 | € 2,251,824 | € 1,996,523 | ▼ 11% |
| Employees (FTE) | 8.8 | 8 | 8 | 8.5 | ▲ 0.5 |
Key figures of Clario, 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 Clario?
What happened at Clario in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 51,694 (▲ 2% vs 2024). Source: NBB ↗
- Benny De Pelsemaeker became a director. NBB
- Filip De Schryver became a director. NBB
- John Vandenberghe became a director. NBB
- Wim Temmerman became a director. NBB
- Stefan Maes became a director. NBB
- New establishment in Dendermonde. KBO
- New establishment in Sint-Niklaas. KBO
In short
From € 191,541 profit in 2022 to € 51,694 profit in 2025.
Paid € 357,067 in corporate taxes since 2022.
Best year ever: 2023, with € 308,733 profit.
On average € 126,300 of value added per employee in 2025.
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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
Behind Clario are Filip De Schryver, John Vandenberghe, Wim Temmerman, Benny De Pelsemaeker and Stefan Maes. John Vandenberghe is also behind Studiebureau Werner Heirman and Welimbo.
Directors
According to the 2025 annual accounts
Filip De Schryver
Director
since 2022
since 2022
Wim Temmerman
Director
since 2022
Benny De Pelsemaeker
Director
since 2026
Stefan Maes
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Plezantstraat 80
9100 Sint-Niklaas
Kaaistraat 40 box 1
9220 Hamme (Vl.)
Active since 1 January 2006
Kasteeldreef 3
9111 Sint-Niklaas
Active since 12 May 2017
Smidsestraat (GRE) 6
9200 Dendermonde
Active since 1 May 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0459.878.384
- VAT number
- BE 0459.878.384
- Registered office
- Plezantstraat 80, 9100 Sint-Niklaas
- Names & denominations
- Clario
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 January 1997
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- clario.be [email protected] 037807171
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten