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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Financiele Diensten en Verzekeringen from Bilzen-Hoeselt, company number BE0460980622, closed financial year 2025 with a result of € 16,963 after tax. For that financial year Financiele Diensten en Verzekeringen recorded a gross margin of € 19,051 and equity of € 213,527. Compared with financial year 2024, the result moved from € 18,268 to € 16,963. 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 April 10, 2026.
€ 213,527
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 16,963
▼ 7% vs 2024
Profit after tax over the fiscal year.
€ 175,620
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 15,000 paid out
88 % of the profit went to the shareholders, mostly to RUBICON (100 % of the shares). That is where the money ends up.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 16,816 | € 17,229 | € 15,997 | € 19,051 | ▲ 19% |
| Profit after taxes | € 12,918 | € 14,016 | € 18,268 | € 16,963 | ▼ 7% |
| Equity | € 194,281 | € 208,297 | € 211,564 | € 213,527 | ▲ 1% |
| Total debts | € 23,025 | € 99,694 | € 102,090 | € 15,080 | ▼ 85% |
| Cash | € 170,073 | € 266,698 | € 267,009 | € 175,620 | ▼ 34% |
| Retained profit | € 175,681 | € 189,697 | € 192,964 | € 194,927 | ▲ 1% |
| Dividend | € 0 | € 0 | € 15,000 | € 15,000 | |
| Balance sheet total | € 217,306 | € 307,990 | € 313,654 | € 228,607 | ▼ 27% |
Key figures of Financiele Diensten en 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 Financiele Diensten en Verzekeringen?
What happened at Financiele Diensten en 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 € 16,963 (▼ 7% vs 2024). Source: NBB ↗
- Johan Jacobs became a director. NBB
- Jaak Vangronsveld became a director. NBB
- New establishment in Lummen. KBO
- New establishment in Bilzen-Hoeselt. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,918 profit in 2022 to € 16,963 profit in 2025.
Paid € 20,908 in corporate taxes since 2022.
Best year ever: 2024, with € 18,268 profit.
Paid out € 30,000 in dividends to the owners in total.
A new publication or filing at Financiele Diensten en 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 RUBICON comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Financiele Diensten en VerzekeringenBehind Financiele Diensten en Verzekeringen are Johan Jacobs and Jaak Vangronsveld. The shares are held by RUBICON (99.9%). It owns L'Abri, Umicore and Ageas NV itself.
Directors
According to the 2025 annual accounts
Johan Jacobs
Director
since 2023
since 2023
Shareholders
99.9%
Establishments
Establishment units
Physical locations of this company
Demerlaan 21
3740 Bilzen-Hoeselt
Demerlaan 23
3740 Bilzen-Hoeselt
Active since 20 October 1997
Dorpsstraat 15
3560 Lummen
Active since 10 March 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0460.980.622
- VAT number
- BE 0460.980.622
- Registered office
- Demerlaan 21, 3740 Bilzen-Hoeselt
- Names & denominations
- Financiele Diensten en Verzekeringen · Fidiver
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 June 1997
- Peppol
- Not registered