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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Tight liquidity NBB
Cash and receivables cover 55 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Zakenkantoor Finsurance from Edegem, company number BE0464240218, closed financial year 2025 with a result of € 21,335 after tax. For that financial year Zakenkantoor Finsurance recorded a gross margin of € 354,927 and equity of € 153,878. Compared with financial year 2024, the result moved from € 105,413 to € 21,335. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ 153,878
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,335
▼ 80% vs 2024
Profit after tax over the fiscal year.
€ 134,206
▼ 28% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 30,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 239,260
▼ 1% 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.
€ 28,070
▲ 70% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 439,152
▲ € 430,891 vs 2024
€ 42,339 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 3,642
▼ 71% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 26,716
▲ 25% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 508,333 | € 540,844 | € 438,207 | € 354,927 | ▼ 19% |
| Profit after taxes | € 18,505 | € 134,277 | € 105,413 | € 21,335 | ▼ 80% |
| Equity | € 322,853 | € 117,129 | € 162,543 | € 153,878 | ▼ 5% |
| Total debts | € 139,887 | € 316,382 | € 259,987 | € 657,215 | ▲ 153% |
| Cash | € 130,903 | € 150,442 | € 186,923 | € 134,206 | ▼ 28% |
| Retained profit | € 285,661 | € 79,937 | € 125,351 | € 116,686 | ▼ 7% |
| Dividend | € 39,371 | € 340,000 | € 60,000 | € 30,000 | ▼ 50% |
| Bank debt | € 44,343 | € 23,522 | € 8,262 | € 439,152 | ▲ € 430,891 |
| Balance sheet total | € 462,740 | € 433,511 | € 422,530 | € 811,093 | ▲ 92% |
Key figures of Zakenkantoor Finsurance, 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 Zakenkantoor Finsurance?
What happened at Zakenkantoor Finsurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,335 (▼ 80% vs 2024). Source: NBB ↗
- Rubico BV became a director. NBB
- New establishment in Edegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,505 profit in 2022 to € 21,335 profit in 2025.
Paid € 123,614 in corporate taxes since 2022.
Best year ever: 2023, with € 134,277 profit.
Paid out € 469,371 in dividends to the owners in total.
A new publication or filing at Zakenkantoor Finsurance? 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 Jutima, RUBICO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Zakenkantoor FinsuranceBehind Zakenkantoor Finsurance are Rubico BV, Jutima BV and Bart De Wit BV. The shares are held by Jutima (33.3%) and RUBICO.
Directors
According to the 2025 annual accounts
Director · represented by Andy Van der Auwera
since 2024
Director · represented by Bart Tirry
Director · represented by Bart De Wit
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Doelveldstraat 38
2650 Edegem
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0464.240.218
- VAT number
- BE 0464.240.218
- Registered office
- Doelveldstraat 38, 2650 Edegem
- Names & denominations
- Zakenkantoor Finsurance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 September 1998
- Peppol
- Active · Active since 3 Nov 2025
- Activities · NACE
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