What does Insurance & Development do?

Insurance & Development is an insurance broker in Tessenderlo-Ham. Private Limited, started on 20 January 1997, 1 establishment.

What is the address of Insurance & Development?

The registered office of Insurance & Development is located at Stationsstraat 79, 3980 Tessenderlo-Ham.

Is Insurance & Development still active?

Yes. According to the CBE (31 October 2026) Insurance & Development is active, legal situation “Normale toestand”, started on 20 January 1997.

Is Insurance & Development registered on Peppol?

No, Insurance & Development is currently not registered on the Peppol network.

What is the enterprise number of Insurance & Development?

The enterprise number of Insurance & Development is BE0459891549.

When was Insurance & Development founded?

Insurance & Development was founded on 20 January 1997.

Who are the directors of Insurance & Development?

According to the 2025 annual accounts, the directors of Insurance & Development are: Dorien Bex, Jochen Bex.

Is Insurance & Development a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 20 January 1997; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did Insurance & Development make in 2025?

Insurance & Development posted a profit after taxes of € 63,760 in financial year 2025.

What is the revenue of Insurance & Development?

As a small company, Insurance & Development is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 314,614.

How much does an employee at Insurance & Development earn?

The average wage cost per full-time employee at Insurance & Development was € 57,000 in 2025: staff costs of € 199,529 for 3.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Insurance & Development have?

According to the 2025 annual accounts, Insurance & Development has 3.5 full-time equivalents (FTE).

Insurance & Development (Private Limited)

Dossier Insurance & Development, printed on 31 October 2026 from databakkes.be/en/0459891549/insurance-development. 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.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

Insurance & Development from Tessenderlo-Ham, company number BE0459891549, closed financial year 2025 with a result of € 63,760 after tax. For that financial year Insurance & Development recorded a gross margin of € 314,614 and equity of € 1.1 million. Compared with financial year 2024, the result moved from € 46,589 to € 63,760. 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 September 14, 2026.

What it is worth Growing

€ 1.1 million

▲ 6% vs 2024

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

Profit Growing

€ 63,760

▲ 37% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 936,848

▲ 9% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 1.1 million.

People and assets in 2025

Full-time equivalents

3.5

▲ 0.9 vs 2024

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

Wage cost

€ 199,529

▲ 10% vs 2024

€ 57,000 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

€ 101,647

▲ € 80,643 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 8,010

▼ 67% vs 2024

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

Taxes and wages

€ 58,094

▲ 31% 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	€ 250,769 Gross margin 2022: € 250,769 First fiscal year in the series	€ 266,004 Gross margin 2023: € 266,004 ▲ 6% vs 2022 (€ 250,769) Favourable step	€ 278,719 Gross margin 2024: € 278,719 ▲ 5% vs 2023 (€ 266,004) Favourable step	€ 314,614 Gross margin 2025: € 314,614 ▲ 13% vs 2024 (€ 278,719) Favourable step	▲ 13%
Profit after taxes	€ 61,569 Profit after taxes 2022: € 61,569 First fiscal year in the series	€ 49,276 Profit after taxes 2023: € 49,276 ▼ 20% vs 2022 (€ 61,569) Unfavourable step	€ 46,589 Profit after taxes 2024: € 46,589 ▼ 5% vs 2023 (€ 49,276) Unfavourable step	€ 63,760 Profit after taxes 2025: € 63,760 ▲ 37% vs 2024 (€ 46,589) Favourable step	▲ 37%
Equity	€ 973,056 Equity 2022: € 973,056 First fiscal year in the series	€ 1,022,332 Equity 2023: € 1,022,332 ▲ 5% vs 2022 (€ 973,056) Favourable step	€ 1,068,921 Equity 2024: € 1,068,921 ▲ 5% vs 2023 (€ 1,022,332) Favourable step	€ 1,132,681 Equity 2025: € 1,132,681 ▲ 6% vs 2024 (€ 1,068,921) Favourable step	▲ 6%
Total debts	€ 145,709 Total debts 2022: € 145,709 First fiscal year in the series	€ 51,794 Total debts 2023: € 51,794 ▼ 64% vs 2022 (€ 145,709) Favourable step	€ 70,103 Total debts 2024: € 70,103 ▲ 35% vs 2023 (€ 51,794) Unfavourable step	€ 69,585 Total debts 2025: € 69,585 ▼ 1% vs 2024 (€ 70,103) Favourable step	▼ 1%
Cash	€ 893,947 Cash 2022: € 893,947 First fiscal year in the series	€ 861,674 Cash 2023: € 861,674 ▼ 4% vs 2022 (€ 893,947) Unfavourable step	€ 862,519 Cash 2024: € 862,519 Unchanged (€ 861,674) Favourable step	€ 936,848 Cash 2025: € 936,848 ▲ 9% vs 2024 (€ 862,519) Favourable step	▲ 9%
Retained profit	€ 954,464 Retained profit 2022: € 954,464 First fiscal year in the series	€ 1,003,740 Retained profit 2023: € 1,003,740 ▲ 5% vs 2022 (€ 954,464) Favourable step	€ 1,050,329 Retained profit 2024: € 1,050,329 ▲ 5% vs 2023 (€ 1,003,740) Favourable step	€ 1,114,089 Retained profit 2025: € 1,114,089 ▲ 6% vs 2024 (€ 1,050,329) Favourable step	▲ 6%
Balance sheet total	€ 1,118,765 Balance sheet total 2022: € 1,118,765 First fiscal year in the series	€ 1,074,126 Balance sheet total 2023: € 1,074,126 ▼ 4% vs 2022 (€ 1,118,765) Unchanged	€ 1,139,024 Balance sheet total 2024: € 1,139,024 ▲ 6% vs 2023 (€ 1,074,126) Unchanged	€ 1,202,266 Balance sheet total 2025: € 1,202,266 ▲ 6% vs 2024 (€ 1,139,024) Unchanged	▲ 6%
Employees (FTE)	2.6 Employees (FTE) 2022: 2.6 First fiscal year in the series	2.6 Employees (FTE) 2023: 2.6 Unchanged (2.6) Unchanged	2.6 Employees (FTE) 2024: 2.6 Unchanged (2.6) Unchanged	3.5 Employees (FTE) 2025: 3.5 ▲ 0.9 vs 2024 (2.6) Unchanged	▲ 0.9

Key figures of Insurance & Development, 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 Insurance & Development?

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

Sep 14, 2026 New annual accounts for financial year 2025: profit of € 63,760 (▲ 37% vs 2024). filed late Source: NBB ↗
Oct 28, 1997 New establishment in Tessenderlo-Ham. KBO
Jan 20, 1997 Start of the company according to the CBE. KBO

In short

From € 61,569 profit in 2022 to € 63,760 profit in 2025.

Paid € 88,488 in corporate taxes since 2022.

Best year ever: 2025, with € 63,760 profit.

On average € 89,900 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

INSURANCE & FINANCE BEX

The stake of INSURANCE & FINANCE BEX comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Insurance & Development

Bex Invest Service 100%

Behind Insurance & Development are Dorien Bex and Jochen Bex. The shares are held by INSURANCE & FINANCE BEX. It owns 100% of Bex Invest Service itself.

Directors

According to the 2025 annual accounts

Dorien Bex

Director

Also active at: BEX INVEST SERVICE, INSURANCE & FINANCE BEX

Jochen Bex

Director

Also active at: BEX INVEST SERVICE

Shareholders

INSURANCE & FINANCE BEX

Participations

Bex Invest Service

100%

Establishments

Establishment units

Physical locations of this company

Registered office

Stationsstraat 79

3980 Tessenderlo-Ham

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

BEX INVEST SERVICE same network

€ 48,429 gross margin · 2025

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

Details

Company number

0459.891.549

VAT number

BE 0459.891.549

Registered office

Stationsstraat 79, 3980 Tessenderlo-Ham

Names & denominations

Insurance & Development · I & D · BEXzeker

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

20 January 1997

Peppol

Not registered

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗