Active · per the CBE, 29 September 2026

VKF

BE0468815450

Rechtspersoon Private limited company 1 establishment

VKF is an insurance broker in Mechelen. Private Limited, started on 27 December 1999, 1 establishment.

Koning Albertstraat(WAL) 137, 2800 Mechelen

Behind the company: Alfons VERCAMMEN, Kris VAN KERKHOVEN, Joeri FEREMANS.

Active for

26 year, 9 months

Financials

Financial year 2025

VKF from Mechelen, company number BE0468815450, closed financial year 2025 with a result of € 68,585 after tax. For that financial year VKF recorded a gross margin of € 563,782 and equity of € 193,933. Compared with financial year 2024, the result moved from € 215,053 to € 68,585. 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 June 2, 2026.

What it is worth Healthy

€ 193,933

▼ 27% vs 2024

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

Profit Healthy

€ 68,585

▼ 68% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 232,077

▼ 47% vs 2024

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

Where the profit goes Pays out

€ 141,200 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

4.7

▲ 1.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 403,827

▲ 40% vs 2024

€ 85,900 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.

Vehicles and equipment

€ 239,678

▲ 81% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 years to go

€ 197,156

▲ 54% vs 2024

€ 59,631 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 78,767

▲ 232% vs 2024

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

Taxes and wages

€ 66,091

▼ 48% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
2022202320242025Change 2024 → 2025
Gross margin € 580,909 € 622,350 € 728,175 € 563,782 ▼ 23%
Profit after taxes € 146,379 € 186,303 € 215,053 € 68,585 ▼ 68%
Equity € 226,193 € 226,496 € 266,548 € 193,933 ▼ 27%
Total debts € 194,425 € 386,646 € 401,565 € 459,936 ▲ 15%
Cash € 124,762 € 294,168 € 435,855 € 232,077 ▼ 47%
Land & buildings € 26,448 € 21,737 € 17,025 € 32,441 ▲ 91%
Retained profit € 204,851 € 205,154 € 245,206 € 172,591 ▼ 30%
Dividend € 138,000 € 186,000 € 175,000 € 141,200 ▼ 19%
Bank debt € 35,601 € 135,258 € 127,797 € 197,156 ▲ 54%
Balance sheet total € 420,618 € 613,142 € 668,114 € 653,869 ▼ 2%
Employees (FTE) 3.6 3.1 3.4 4.7 ▲ 1.3

Key figures of VKF, 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 VKF?

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

  • New annual accounts for financial year 2025: profit of € 68,585 (▼ 68% vs 2024). Source: NBB ↗
  • New establishment in Mechelen. KBO
  • Start of the company according to the CBE. KBO

In short

From € 146,379 profit in 2022 to € 68,585 profit in 2025.

Paid € 232,003 in corporate taxes since 2022.

Best year ever: 2024, with € 215,053 profit.

On average € 120,000 of value added per employee in 2025.

Management

Alfons VERCAMMEN Kris VAN KERKHOVEN Joeri FEREMANS
VKF

Behind VKF are Alfons VERCAMMEN, Kris VAN KERKHOVEN and Joeri FEREMANS.

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Directors

According to the 2025 annual accounts

Alfons VERCAMMEN

Bestuurder

Kris VAN KERKHOVEN

Bestuurder

Joeri FEREMANS

Bestuurder

Establishments

Establishment units

Physical locations of this company

Registered office

Koning Albertstraat(WAL) 137

2800 Mechelen

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

Details

Company number
0468.815.450
VAT number
BE 0468.815.450
Registered office
Koning Albertstraat(WAL) 137, 2800 Mechelen
Names & denominations
VKF
Enterprise type
Rechtspersoon
Legal form
Private limited company
Legal situation
Normale toestand
Start date
27 December 1999
Peppol
Active · Active since 16 Jan 2026
Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Frequently asked questions

What does VKF do?
VKF is an insurance broker in Mechelen. Private Limited, started on 27 December 1999, 1 establishment.
What is the address of VKF?
The registered office of VKF is located at Koning Albertstraat(WAL) 137, 2800 Mechelen.
Is VKF still active?
Yes. According to the CBE (29 September 2026) VKF is active, legal situation “Normale toestand”, started on 27 December 1999.
Is VKF registered on Peppol?
Yes, VKF is registered on the Peppol network with ID 0208:0468815450.
What is the enterprise number of VKF?
The enterprise number of VKF is BE0468815450.
When was VKF founded?
VKF was founded on 27 December 1999.