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 29 % of short-term debt in 2025; threshold 65 %.
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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
VERZEKERINGSKANTOOR RYCKAERT from Sint-Laureins, company number BE0465965630, closed financial year 2025 with a result of € -85,666 after tax. For that financial year VERZEKERINGSKANTOOR RYCKAERT recorded a gross margin of € -49,850 and equity of € 262,304. Compared with financial year 2024, the result moved from € 89 to € -85,666. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 262,304
▼ 25% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -85,666
▼ still € 89 profit in 2024
Profit after tax over the fiscal year.
€ 26,113
▼ 91% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 243,704.
People and assets in 2025
€ 13,751
▼ 44% 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.
€ 63,871
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 211,889 | € 9,198 | € 17,462 | € -49,850 | ▼ € 67,312 |
| Profit after taxes | € 143,159 | € 516 | € 89 | € -85,666 | ▼ € 85,755 |
| Equity | € 347,364 | € 347,881 | € 347,970 | € 262,304 | ▼ 25% |
| Total debts | € 17,044 | € 2,437 | € 0 | € 89,542 | |
| Cash | € 363,249 | € 320,868 | € 301,268 | € 26,113 | ▼ 91% |
| Land & buildings | € 6,405 | € 17,925 | € 16,607 | € 311,245 | ▲ € 294,638 |
| Retained profit | € 328,764 | € 329,281 | € 329,370 | € 243,704 | ▼ 26% |
| Balance sheet total | € 411,908 | € 397,817 | € 395,470 | € 351,846 | ▼ 11% |
Key figures of VERZEKERINGSKANTOOR RYCKAERT, 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 VERZEKERINGSKANTOOR RYCKAERT?
What happened at VERZEKERINGSKANTOOR RYCKAERT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 85,666 (▼ € 85,755 vs 2024). Source: NBB ↗
- New establishment in Sint-Laureins. KBO
- Start of the company according to the CBE. KBO
In short
From € 143,159 profit in 2022 to € 85,666 loss in 2025.
Paid € 70,093 in corporate taxes since 2022.
Best year ever: 2022, with € 143,159 profit.
A new publication or filing at VERZEKERINGSKANTOOR RYCKAERT? 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
Behind VERZEKERINGSKANTOOR RYCKAERT are Steven Ryckaert and ERNEST RYCKAERT.
Directors
According to the 2025 annual accounts
Steven Ryckaert
Bestuurder
ERNEST RYCKAERT
Bestuurder
Establishments
Establishment units
Physical locations of this company
Sint-Jansstraat(STJ) 78
9982 Sint-Laureins
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0465.965.630
- VAT number
- BE 0465.965.630
- Registered office
- Sint-Jansstraat(STJ) 78, 9982 Sint-Laureins
- Names & denominations
- VERZEKERINGSKANTOOR RYCKAERT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 April 1999
- Peppol
- Not registered