Financials
Financial year 2025
Bank- en verzekeringsagent Zuid-Oost Vlaanderen from Sint-Lievens-Houtem, company number BE0466990959, closed financial year 2025 with a result of € 562,731 after tax. For that financial year Bank- en verzekeringsagent Zuid-Oost Vlaanderen recorded a gross margin of € 3.1 million and equity of € 579,658. Compared with financial year 2024, the result moved from € 767,924 to € 562,731. 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 22, 2026.
€ 579,658
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 562,731
▼ 27% vs 2024
Profit after tax over the fiscal year.
€ 169,139
▲ 165% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 527,888 paid out
94 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
28.8
▲ 2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2.2 million
▲ 12% vs 2024
€ 78,000 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.
€ 2,286
▼ 60% 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.
€ 18,794
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 444,732
▼ 11% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,777,087 | € 2,661,367 | € 3,079,700 | € 3,058,204 | ▼ 1% |
| Profit after taxes | € 504,547 | € 468,979 | € 767,924 | € 562,731 | ▼ 27% |
| Equity | € 570,519 | € 564,078 | € 549,593 | € 579,658 | ▲ 5% |
| Total debts | € 953,919 | € 875,198 | € 1,226,647 | € 892,000 | ▼ 27% |
| Cash | € 30,684 | € 318,592 | € 63,761 | € 169,139 | ▲ 165% |
| Retained profit | € 499,127 | € 489,078 | € 474,593 | € 509,436 | ▲ 7% |
| Dividend | € 448,884 | € 479,028 | € 782,409 | € 527,888 | ▼ 33% |
| Bank debt | € 39,513 | € 3,080 | € 259 | € 0 | ▼ 100% |
| Balance sheet total | € 1,524,438 | € 1,439,276 | € 1,776,240 | € 1,471,658 | ▼ 17% |
| Employees (FTE) | 29.7 | 26.9 | 26.8 | 28.8 | ▲ 2 |
Key figures of Bank- en verzekeringsagent Zuid-Oost Vlaanderen, 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 Bank- en verzekeringsagent Zuid-Oost Vlaanderen?
What happened at Bank- en verzekeringsagent Zuid-Oost Vlaanderen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 562,731 (▼ 27% vs 2024). Source: NBB ↗
- Ignace De Mulder stepped down as director. NBB
- Matthias Van Steenberghe became a director. NBB
- Peter Vermeire became a director. NBB
- New establishment in Ninove. KBO
- New establishment in Ninove. KBO
- New establishment in Geraardsbergen. KBO
- New establishment in Pajottegem. KBO
In short
From € 504,547 profit in 2022 to € 562,731 profit in 2025.
Paid € 975,462 in corporate taxes since 2022.
Best year ever: 2024, with € 767,924 profit.
On average € 106,200 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
Behind Bank- en verzekeringsagent Zuid-Oost Vlaanderen are Davy De Smet, Wim Spranghers, Matthias Van Steenberghe, Lieve Glibert, Elise Bracke and Peter Vermeire. Wim Spranghers is also behind Katholiek Basisonderwijs Herzele.
Directors
According to the 2025 annual accounts
Davy De Smet
Manager
since 2020
since 2006
Matthias Van Steenberghe
Manager
since 2024
Lieve Glibert
Manager
since 2021
Elise Bracke
Manager
since 2016
since 2024
Caroline Degrieck
Manager
since 2021
Gerard De Troyer
Manager
since 2021
Guy De Martelaere
Manager
since 1999
Veronique Vanhullebus
Manager
since 2021
Ignace De Mulder
Manager
since 2021 · until 2025
Establishments
Establishment units
Physical locations of this company
Marktplein 36
9520 Sint-Lievens-Houtem
Kerkstraat 45
9550 Herzele
Active since 15 November 1999
Oudenaardsesteenweg 337
9420 Erpe-Mere
Active since 15 November 1999
Hoogstraat(HA) 122
9450 Haaltert
Active since 1 January 2007
Geraardsbergsesteenweg 322
9404 Ninove
Active since 1 January 2021
Edingsesteenweg 347
9400 Ninove
Active since 1 January 2021
Oudenaardsestraat 4
9500 Geraardsbergen
Active since 1 January 2021
Heldenplein(HN) 2
1540 Pajottegem
Active since 1 January 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0466.990.959
- VAT number
- BE 0466.990.959
- Registered office
- Marktplein 36, 9520 Sint-Lievens-Houtem
- Names & denominations
- Bank- en verzekeringsagent Zuid-Oost Vlaanderen
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 6 October 1999
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
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