What does CFINANCE VERZEKERINGEN do?

CFINANCE VERZEKERINGEN is an insurance broker in Oostende. Private Limited, started on 28 March 1997, 1 establishment.

What is the address of CFINANCE VERZEKERINGEN?

The registered office of CFINANCE VERZEKERINGEN is located at Fortstraat 27, 8400 Oostende.

Is CFINANCE VERZEKERINGEN still active?

Yes. According to the CBE (29 October 2026) CFINANCE VERZEKERINGEN is active, legal situation “Normale toestand”, started on 28 March 1997.

Is CFINANCE VERZEKERINGEN registered on Peppol?

Yes, CFINANCE VERZEKERINGEN is registered on the Peppol network with ID 0208:0460316963.

What is the enterprise number of CFINANCE VERZEKERINGEN?

The enterprise number of CFINANCE VERZEKERINGEN is BE0460316963.

When was CFINANCE VERZEKERINGEN founded?

CFINANCE VERZEKERINGEN was founded on 28 March 1997.

Who are the directors of CFINANCE VERZEKERINGEN?

According to the 2025 annual accounts, the directors of CFINANCE VERZEKERINGEN are: JGD BV, TJK Invest BV, Cfinance Holding BV.

Is CFINANCE VERZEKERINGEN a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 28 March 1997; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did CFINANCE VERZEKERINGEN make in 2025?

CFINANCE VERZEKERINGEN posted a profit after taxes of € 101,266 in financial year 2025.

What is the revenue of CFINANCE VERZEKERINGEN?

As a small company, CFINANCE VERZEKERINGEN is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 552,732.

How much does an employee at CFINANCE VERZEKERINGEN earn?

The average wage cost per full-time employee at CFINANCE VERZEKERINGEN was € 76,100 in 2022: staff costs of € 433,662 for 5.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

CFINANCE VERZEKERINGEN (Private Limited) - Oostende

Dossier CFINANCE VERZEKERINGEN, printed on 29 October 2026 from databakkes.be/en/0460316963/cfinance-verzekeringen. 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 47 % of short-term debt in 2025; threshold 65 %.
Busy address KBO

10 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

CFINANCE VERZEKERINGEN from Oostende, company number BE0460316963, closed financial year 2025 with a result of € 101,266 after tax. For that financial year CFINANCE VERZEKERINGEN recorded a gross margin of € 552,732 and equity of € 171,673. Compared with financial year 2024, the result moved from € 129,870 to € 101,266. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on May 26, 2026.

What it is worth Growing

€ 171,673

▲ 1% vs 2024

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

Profit Healthy

€ 101,266

▼ 22% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 32,592

▼ 63% vs 2024

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

Where the profit goes Pays out

€ 100,000 paid out

99 % of the profit went to the shareholders, mostly to CFINANCE HOLDING (100 % of the shares). That is where the money ends up.

People and assets in 2025

Wage cost

€ 341,099

▼ 16% 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.

Vehicles and equipment

€ 19,251

▲ 22% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 141,767

€ 22,569 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 52,544

▲ 47% vs 2024

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

Taxes and wages

€ 68,017

▼ 16% 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	€ 531,712 Gross margin 2022: € 531,712 First fiscal year in the series	€ 422,618 Gross margin 2023: € 422,618 ▼ 21% vs 2022 (€ 531,712) Unfavourable step	€ 586,803 Gross margin 2024: € 586,803 ▲ 39% vs 2023 (€ 422,618) Favourable step	€ 552,732 Gross margin 2025: € 552,732 ▼ 6% vs 2024 (€ 586,803) Unfavourable step	▼ 6%
Profit after taxes	€ 22,306 Profit after taxes 2022: € 22,306 First fiscal year in the series	€ -37,632 Profit after taxes 2023: € -37,632 ▼ € 59,938 vs 2022 (€ 22,306) Unfavourable step	€ 129,870 Profit after taxes 2024: € 129,870 ▲ € 167,502 vs 2023 (€ -37,632) Favourable step	€ 101,266 Profit after taxes 2025: € 101,266 ▼ 22% vs 2024 (€ 129,870) Unfavourable step	▼ 22%
Equity	€ 218,169 Equity 2022: € 218,169 First fiscal year in the series	€ 180,538 Equity 2023: € 180,538 ▼ 17% vs 2022 (€ 218,169) Unfavourable step	€ 170,408 Equity 2024: € 170,408 ▼ 6% vs 2023 (€ 180,538) Unfavourable step	€ 171,673 Equity 2025: € 171,673 ▲ 1% vs 2024 (€ 170,408) Favourable step	▲ 1%
Total debts	€ 126,916 Total debts 2022: € 126,916 First fiscal year in the series	€ 107,012 Total debts 2023: € 107,012 ▼ 16% vs 2022 (€ 126,916) Favourable step	€ 257,337 Total debts 2024: € 257,337 ▲ 140% vs 2023 (€ 107,012) Unfavourable step	€ 378,554 Total debts 2025: € 378,554 ▲ 47% vs 2024 (€ 257,337) Unfavourable step	▲ 47%
Cash	€ 27,665 Cash 2022: € 27,665 First fiscal year in the series	€ 3,203 Cash 2023: € 3,203 ▼ 88% vs 2022 (€ 27,665) Unfavourable step	€ 88,688 Cash 2024: € 88,688 ▲ € 85,485 vs 2023 (€ 3,203) Favourable step	€ 32,592 Cash 2025: € 32,592 ▼ 63% vs 2024 (€ 88,688) Unfavourable step	▼ 63%
Retained profit	€ 189,577 Retained profit 2022: € 189,577 First fiscal year in the series	€ 151,946 Retained profit 2023: € 151,946 ▼ 20% vs 2022 (€ 189,577) Unfavourable step	€ 141,816 Retained profit 2024: € 141,816 ▼ 7% vs 2023 (€ 151,946) Unfavourable step	€ 143,081 Retained profit 2025: € 143,081 ▲ 1% vs 2024 (€ 141,816) Favourable step	▲ 1%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 140,000 Dividend 2024: € 140,000 Unchanged (€ 0) Unchanged	€ 100,000 Dividend 2025: € 100,000 ▼ 29% vs 2024 (€ 140,000) Unchanged	▼ 29%
Bank debt	€ 0 Bank debt 2022: € 0 First fiscal year in the series	€ 0 Bank debt 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Bank debt 2024: € 0 Unchanged (€ 0) Unchanged	€ 141,767 Bank debt 2025: € 141,767 Unchanged (€ 0) Unfavourable step
Balance sheet total	€ 345,085 Balance sheet total 2022: € 345,085 First fiscal year in the series	€ 287,550 Balance sheet total 2023: € 287,550 ▼ 17% vs 2022 (€ 345,085) Unchanged	€ 427,745 Balance sheet total 2024: € 427,745 ▲ 49% vs 2023 (€ 287,550) Unchanged	€ 550,228 Balance sheet total 2025: € 550,228 ▲ 29% vs 2024 (€ 427,745) Unchanged	▲ 29%
Employees (FTE)	5.7 Employees (FTE) 2022: 5.7 First fiscal year in the series	-	-	-

Key figures of CFINANCE 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 CFINANCE VERZEKERINGEN?

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

May 26, 2026 New annual accounts for financial year 2025: profit of € 101,266 (▼ 22% vs 2024). Source: NBB ↗
2020 Cfinance Holding BV became a director. NBB
2019 JGD BV became a director. NBB
2019 TJK Invest BV became a director. NBB
Aug 1, 2018 New establishment in Oostende. KBO
Mar 28, 1997 Start of the company according to the CBE. KBO

In short

From € 22,306 profit in 2022 to € 101,266 profit in 2025.

Paid € 52,875 in corporate taxes since 2022.

Best year ever: 2024, with € 129,870 profit.

On average € 93,300 of value added per employee in 2022.

Original PDFs at the National Bank ↗

Management

CFINANCE HOLDING 100%

The stake of CFINANCE HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

CFINANCE VERZEKERINGEN

Behind CFINANCE VERZEKERINGEN are JGD BV, TJK Invest BV and Cfinance Holding BV. The shares are held by CFINANCE HOLDING (100%).

Directors

According to the 2025 annual accounts

JGD BV

Director · represented by Dejonghe Jord

Also active at: OSTEND FINANCE, S-TEAM, CFINANCE HOLDING

since 2019

TJK Invest BV

Director · represented by Tijs Corveleyn

Also active at: OSTEND FINANCE, CFINANCE HOLDING, Zelda&Zorro Beach

since 2019

Cfinance Holding BV

Director · represented by Jord Dejonghe

Also active at: OSTEND FINANCE

since 2020

Shareholders

CFINANCE HOLDING

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Fortstraat 27

8400 Oostende

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 10 companies are registered at this address.

All companies at this address →

ELECTRAWINDS

JGD IMMO

€ -2,762 gross margin · 2025

OSTEND FINANCE same network

€ 386,895 gross margin · 2026

ELECTRAWINDS SE

FoundCOM

€ 123,199 gross margin · 2020

+5 more

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

Details

Company number

0460.316.963

VAT number

BE 0460.316.963

Registered office

Fortstraat 27, 8400 Oostende

Names & denominations

CFINANCE VERZEKERINGEN

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

28 March 1997

Peppol

Active · Active since 29 Jan 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

CFINANCE VERZEKERINGEN

Warning lights

Financials

What happened to CFINANCE VERZEKERINGEN?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions