Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Shrinking team NBB
FTE fell two years in a row, from 9.8 to 8.6.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
BROWAEYS INSURANCE from Horebeke, company number BE0459964496, closed financial year 2024 with a result of € 47,761 after tax. For that financial year BROWAEYS INSURANCE recorded a gross margin of € 904,809 and equity of € 1 million. Compared with financial year 2023, the result moved from € 63,699 to € 47,761. The company is profitable. 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 30, 2025.
€ 1 million
▲ 5% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 47,761
▼ 25% vs 2023
Profit after tax over the fiscal year.
€ 124,808
▼ 35% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 947,419.
People and assets in 2024
8.6
▼ 1 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 657,725
▲ 1% vs 2023
€ 76,500 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.
€ 105,016
▼ 38% vs 2023
Of which on lease € 81,253.
Debts at end 2024
€ 615,070
▼ 18% vs 2023
€ 99,197 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 759,472
▼ 7% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 100,616
▲ 25% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 717,400 | € 733,920 | € 909,315 | € 904,809 | |
| Profit after taxes | € 10,878 | € -73,086 | € 63,699 | € 47,761 | ▼ 25% |
| Equity | € 971,018 | € 897,932 | € 961,632 | € 1,009,393 | ▲ 5% |
| Total debts | € 875,832 | € 1,541,989 | € 1,743,384 | € 1,475,263 | ▼ 15% |
| Cash | € 90,897 | € 95,319 | € 193,265 | € 124,808 | ▼ 35% |
| Retained profit | € 909,045 | € 835,959 | € 899,658 | € 947,419 | ▲ 5% |
| Bank debt | € 232,896 | € 763,087 | € 748,009 | € 615,070 | ▼ 18% |
| Balance sheet total | € 1,846,850 | € 2,439,921 | € 2,705,016 | € 2,484,656 | ▼ 8% |
| Employees (FTE) | 10.2 | 9.8 | 9.6 | 8.6 | ▼ 1 |
Key figures of BROWAEYS INSURANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to BROWAEYS INSURANCE?
What happened at BROWAEYS INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 47,761 (▼ 25% vs 2023). filed late Source: NBB ↗
- BRODERU BV became a director. NBB
- New establishment in Horebeke. KBO
- New establishment in Oudenaarde. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,878 profit in 2021 to € 47,761 profit in 2024.
Paid € 45,176 in corporate taxes since 2021.
Best year ever: 2023, with € 63,699 profit.
On average € 105,200 of value added per employee in 2024.
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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 BROWAEYS INSURANCE is BRODERU BV.
Directors
According to the 2024 annual accounts
Director · represented by Stéphanie BROWAEYS
since 2021
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 74
9667 Horebeke
Nederstraat 9
9700 Oudenaarde
Active since 17 March 1997
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0459.964.496
- VAT number
- BE 0459.964.496
- Registered office
- Dorpsstraat 74, 9667 Horebeke
- Names & denominations
- BROWAEYS INSURANCE · BROWAEYS Ins.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 4 February 1997
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten