Active · per the CBE, 16 September 2026

S-TEAM

BE0465169042

Rechtspersoon Cooperative company 1 establishment

S-TEAM is an insurance broker in Waregem. Cooperative, started on 6 January 1999, 1 establishment.

Kalkhoevestraat 10 box 4.2, 8790 Waregem

Active for

27 year, 8 months

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

  • Busy address KBO

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

Financials

Financial year 2025

S-TEAM from Waregem, company number BE0465169042, closed financial year 2025 with a result of € 26,279 after tax. For that financial year S-TEAM recorded a gross margin of € 36,843 and equity of € 320,844. Compared with financial year 2024, the result moved from € 37,394 to € 26,279. 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 June 25, 2026.

What it is worth Growing

€ 320,844

▲ 9% vs 2024

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

Profit Healthy

€ 26,279

▼ 30% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 39,806

▼ 27% vs 2024

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

Where the profit goes Pays out

€ 12,928 paid out

49 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Wage cost

€ 2,799

▼ 83% 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

€ 219

▼ 67% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 42,420

▲ 16% vs 2024

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

Wages and social charges

€ 576

▼ 95% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

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Key figures per fiscal year Download key figures (CSV)
2022202320242025Change 2024 → 2025
Gross margin € 77,010 € 28,980 € 69,116 € 36,843 ▼ 47%
Profit after taxes € 55,625 € -2,959 € 37,394 € 26,279 ▼ 30%
Equity € 265,524 € 257,809 € 295,281 € 320,844 ▲ 9%
Total debts € 15,643 € 43,070 € 56,004 € 47,860 ▼ 15%
Cash € 74,388 € 36,760 € 54,349 € 39,806 ▼ 27%
Retained profit € 131,997 € 117,583 € 149,507 € 162,858 ▲ 9%
Dividend € 0 € 11,456 € 5,469 € 12,928 ▲ 136%
Balance sheet total € 281,167 € 300,878 € 351,285 € 368,705 ▲ 5%

Key figures of S-TEAM, 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 S-TEAM?

What happened at S-TEAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

  • JGD stepped down as director. NBB
  • Sadi Claeys Assurdel NV stepped down as director. NBB
  • De Paepe BV stepped down as director. NBB
  • Zakenkantoor Certo BV stepped down as director. NBB
  • New annual accounts for financial year 2025: profit of € 26,279 (▼ 30% vs 2024). Source: NBB ↗
  • A-COVER BVBA stepped down as director. NBB
  • JGD became a director. NBB
  • Sadi Claeys Assurdel NV became a director. NBB

In short

From € 55,625 profit in 2022 to € 26,279 profit in 2025.

Paid € 30,067 in corporate taxes since 2022.

Best year ever: 2022, with € 55,625 profit.

Paid out € 29,853 in dividends to the owners in total.

Management

The stake of VUYLSTEKE VERZEKERINGEN, ZAKENKANTOOR COIGNAU comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

S-TEAM

The shares are held by VUYLSTEKE VERZEKERINGEN (2%) and ZAKENKANTOOR COIGNAU.

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Directors

According to the 2025 annual accounts

JGD

Director · represented by Jord Dejonghe

Also active at: OSTEND FINANCE, CFINANCE VERZEKERINGEN, CFINANCE HOLDING

since 2025 · until 2028

A-COVER BVBA

Director · represented by Jan Oostvogels

since 2023 · until 2026

De Paepe BV

Director · represented by Willem Geert De Paepe

since 2024 · until 2027

Zakenkantoor Certo BV

Director · represented by Dimitri Vandenbogaerde

Also active at: Buro Certo, DE MAKELAARS

since 2024 · until 2027

Sadi Claeys Assurdel NV

Director · represented by Lauriane Claeys

since 2025 · until 2028

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Kalkhoevestraat 10 box 4.2

8790 Waregem

2.091.088.386

Kalkhoevestraat 10

8790 Waregem

Active since 21 May 1999

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

Details

Company number
0465.169.042
VAT number
BE 0465.169.042
Registered office
Kalkhoevestraat 10 bus 4.2, 8790 Waregem
Names & denominations
S-TEAM
Enterprise type
Rechtspersoon
Legal form
Cooperative company
Legal situation
Normale toestand
Start date
6 January 1999
Peppol
Active · Active since 23 Jan 2025
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Frequently asked questions

What does S-TEAM do?
S-TEAM is an insurance broker in Waregem. Cooperative, started on 6 January 1999, 1 establishment.
What is the address of S-TEAM?
The registered office of S-TEAM is located at Kalkhoevestraat 10 box 4.2, 8790 Waregem.
Is S-TEAM still active?
Yes. According to the CBE (16 September 2026) S-TEAM is active, legal situation “Normale toestand”, started on 6 January 1999.
Is S-TEAM registered on Peppol?
Yes, S-TEAM is registered on the Peppol network with ID 0208:0465169042.
What is the enterprise number of S-TEAM?
The enterprise number of S-TEAM is BE0465169042.
When was S-TEAM founded?
S-TEAM was founded on 6 January 1999.