Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VERZEKERINGEN KALMTHOUT from Kalmthout, company number BE0471772069, closed financial year 2025 with a result of € 255,579 after tax. For that financial year VERZEKERINGEN KALMTHOUT recorded a gross margin of € 678,990 and equity of € 11,194. Compared with financial year 2024, the result moved from € 281,827 to € 255,579. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 11,194
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 255,579
▼ 9% vs 2024
Profit after tax over the fiscal year.
€ 101,522
▼ 50% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 255,000 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4.9
Average over the fiscal year, from the social balance sheet.
€ 402,558
€ 82,200 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.
Debts at end 2025
€ 567,561
▲ € 566,180 vs 2024
€ 29,802 is repaid this year. At this pace the long-term loan is gone in ≈ 19 years.
€ 53,699
▼ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 88,694
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 620,982 | € 666,270 | € 730,966 | € 678,990 | ▼ 7% |
| Profit after taxes | € 212,481 | € 240,837 | € 281,827 | € 255,579 | ▼ 9% |
| Equity | € 23,071 | € 8,788 | € 10,615 | € 11,194 | ▲ 5% |
| Total debts | € 318,304 | € 382,672 | € 440,445 | € 964,954 | ▲ 119% |
| Cash | € 105,072 | € 132,861 | € 202,798 | € 101,522 | ▼ 50% |
| Land & buildings | € 93,366 | € 91,224 | € 89,082 | € 725,340 | ▲ € 636,258 |
| Retained profit | € 15,888 | € 1,605 | € 3,432 | € 4,011 | ▲ 17% |
| Dividend | € 212,000 | € 255,120 | € 280,000 | € 255,000 | ▼ 9% |
| Bank debt | € 135 | € 1,524 | € 1,381 | € 567,561 | ▲ € 566,180 |
| Balance sheet total | € 341,375 | € 391,461 | € 451,060 | € 976,148 | ▲ 116% |
| Employees (FTE) | 5.5 | 5.5 | 4.9 | 4.9 |
Key figures of VERZEKERINGEN KALMTHOUT, 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 VERZEKERINGEN KALMTHOUT?
What happened at VERZEKERINGEN KALMTHOUT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 255,579 (▼ 9% vs 2024). Source: NBB ↗
- HOEVE BRUGHMANS BV became a director. NBB
- New establishment in Kalmthout. KBO
- Start of the company according to the CBE. KBO
- Van Oevelen BV became a director. NBB
In short
From € 212,481 profit in 2022 to € 255,579 profit in 2025.
Paid € 14,232 in corporate taxes since 2022.
Best year ever: 2024, with € 281,827 profit.
On average € 138,600 of value added per employee in 2025.
A new publication or filing at VERZEKERINGEN KALMTHOUT? 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 VAN OEVELEN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VERZEKERINGEN KALMTHOUTBehind VERZEKERINGEN KALMTHOUT are Van Oevelen BV and HOEVE BRUGHMANS BV. The shares are held by VAN OEVELEN (49.6%).
Directors
According to the 2025 annual accounts
Director · represented by Rudi Van Oevelen
since 2000
Director · represented by Luc Brughmans
since 2002
Shareholders
49.6%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kerkeneind (C) 4
2920 Kalmthout
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
- 0471.772.069
- VAT number
- BE 0471.772.069
- Registered office
- Kerkeneind (C) 4, 2920 Kalmthout
- Names & denominations
- VERZEKERINGEN KALMTHOUT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 April 2000
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten