Financials
Financial year 2025
VANBREDA CREDINCO from Antwerpen, company number BE0462175702, closed financial year 2025 with a result of € 2.3 million after tax. For that financial year VANBREDA CREDINCO recorded a gross margin of € 4 million and equity of € 1.7 million. Compared with financial year 2024, the result moved from € 2.5 million to € 2.3 million. The company is profitable. The buffer shrank hard: equity is 79 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 20, 2026.
€ 1.7 million
▼ 79% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2.3 million
▼ 7% vs 2024
Profit after tax over the fiscal year.
€ 10.2 million
Cash and bank balances on the last day of the fiscal year.
€ 9 million paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
6.7
▼ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1 million
▼ 11% vs 2024
€ 155,000 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.
€ 1,045
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1.1 million
▲ 150% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 268,998
▼ 16% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 3,955,074 | € 5,234,176 | € 4,199,351 | € 3,976,058 | ▼ 5% |
| Profit after taxes | € 2,207,627 | € 3,079,589 | € 2,482,601 | € 2,301,980 | ▼ 7% |
| Equity | € 7,477,226 | € 9,017,020 | € 8,428,221 | € 1,730,201 | ▼ 79% |
| Total debts | € 2,247,450 | € 2,694,419 | € 3,855,177 | € 10,394,694 | ▲ 170% |
| Cash | € 4,383,048 | € 8,576,512 | € 10,266,918 | € 10,238,077 | |
| Retained profit | € 7,398,465 | € 8,938,260 | € 8,349,460 | € 1,651,441 | ▼ 80% |
| Dividend | € 1,103,814 | € 1,539,794 | € 3,071,400 | € 9,000,000 | ▲ 193% |
| Balance sheet total | € 9,724,676 | € 11,711,440 | € 12,283,398 | € 12,124,895 | ▼ 1% |
| Employees (FTE) | 6.6 | 7.4 | 7.4 | 6.7 | ▼ 0.7 |
Key figures of VANBREDA CREDINCO, 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 VANBREDA CREDINCO?
What happened at VANBREDA CREDINCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Pedro Matthynssens stepped down as director. NBB
- Frank Fripon stepped down as director. NBB
- Koen Dierckx stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 2.3 million (▼ 7% vs 2024). Source: NBB ↗
- Pedro Matthynssens became a director. NBB
- Frank Fripon became a director. NBB
- Koen Dierckx became a director. NBB
- New establishment in Antwerpen. KBO
In short
From € 2.2 million profit in 2022 to € 2.3 million profit in 2025.
Paid € 3.4 million in corporate taxes since 2022.
Best year ever: 2023, with € 3.1 million profit.
On average € 593,400 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
The stake of VANBREDA RISK & BENEFITS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VANBREDA CREDINCOThe shares are held by VANBREDA RISK & BENEFITS (100%).
Directors
According to the 2025 annual accounts
Pedro Matthynssens
Director
Also active at: VANBREDA RISK & BENEFITS, Vanbreda Soenen, Vlaams Netwerk van Ondernemingen, Becobra, VANBREDA GEERTS, VANBREDA AUSLOOS, VANBREDA HUYSMANS, Van Mossel Car Insurance +2 more
since 2024 · until 2028
Frank Fripon
Managing director
Also active at: Sint-Elisabeth's Dal, Van Mossel Car Insurance, Vanbreda Marine
since 2024 · until 2028
Koen Dierckx
Director
Also active at: Vanbreda Soenen, Vanbreda Mediùs, VANBREDA CORNELIS, VANBREDA MISSINNE, INFORMATICA VAN BREDA, DIRK DEKERF en C., VANBREDA GEERTS, Vanbreda Simplex +5 more
since 2024 · until 2028
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Plantin en Moretuslei 297
2140 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
All companies at this address →VANBREDA RISK & BENEFITS same network
€ 136.7 million revenue · 2025
Vanbreda Mediùs same network
€ 8 million gross margin · 2025
Vanbreda Simplex same network
€ 272,688 gross margin · 2025
Van Mossel Car Insurance same network
€ 411,591 revenue · 2025
Vanbreda PensionFund & Beyond
+2 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
- 0462.175.702
- VAT number
- BE 0462.175.702
- Registered office
- Plantin en Moretuslei 297, 2140 Antwerpen
- Names & denominations
- VANBREDA CREDINCO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 1997
- Peppol
- Active · Active since 25 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten