What does SMARTSAFE-STARINSURANCE do?

SMARTSAFE-STARINSURANCE is an insurance broker in Brugge. Private Limited, started on 30 January 2001, 2 establishments.

What is the address of SMARTSAFE-STARINSURANCE?

The registered office of SMARTSAFE-STARINSURANCE is located at Komvest 34 box b0-01, 8000 Brugge.

Is SMARTSAFE-STARINSURANCE still active?

Yes. According to the CBE (29 October 2026) SMARTSAFE-STARINSURANCE is active, legal situation “Normale toestand”, started on 30 January 2001.

Is SMARTSAFE-STARINSURANCE registered on Peppol?

Yes, SMARTSAFE-STARINSURANCE is registered on the Peppol network with ID 0208:0473959222.

What is the enterprise number of SMARTSAFE-STARINSURANCE?

The enterprise number of SMARTSAFE-STARINSURANCE is BE0473959222.

When was SMARTSAFE-STARINSURANCE founded?

SMARTSAFE-STARINSURANCE was founded on 30 January 2001.

Who are the directors of SMARTSAFE-STARINSURANCE?

According to the 2025 annual accounts, the directors of SMARTSAFE-STARINSURANCE are: Ludwig en Gail Invest BV.

Is SMARTSAFE-STARINSURANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 January 2001; 4 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 2 establishments in the CBE.

How much profit did SMARTSAFE-STARINSURANCE make in 2025?

SMARTSAFE-STARINSURANCE posted a profit after taxes of € 10,605 in financial year 2025.

What is the revenue of SMARTSAFE-STARINSURANCE?

As a small company, SMARTSAFE-STARINSURANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 190,528.

How much does an employee at SMARTSAFE-STARINSURANCE earn?

The average wage cost per full-time employee at SMARTSAFE-STARINSURANCE was € 67,900 in 2025: staff costs of € 101,850 for 1.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does SMARTSAFE-STARINSURANCE have?

According to the 2025 annual accounts, SMARTSAFE-STARINSURANCE has 1.5 full-time equivalents (FTE).

SMARTSAFE-STARINSURANCE (Private Limited) - Brugge

Dossier SMARTSAFE-STARINSURANCE, printed on 29 October 2026 from databakkes.be/en/0473959222/smartsafe-starinsurance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

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

Negative equity NBB

More debt than assets in 2 of the last 4 fiscal years.
Shrinking team NBB

FTE fell two years in a row, from 1.8 to 1.5.

Financials

Financial year 2025

SMARTSAFE-STARINSURANCE from Brugge, company number BE0473959222, closed financial year 2025 with a result of € 10,605 after tax. For that financial year SMARTSAFE-STARINSURANCE recorded a gross margin of € 190,528 and equity of € -2,916. Compared with financial year 2024, the result moved from € -16,578 to € 10,605. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.

What it is worth Caution

€ -2,916

▲ € 10,605 vs 2024

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

Profit Growing

€ 10,605

▲ still € 16,578 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 3,381

▲ 3% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € -16,716.

People and assets in 2025

Full-time equivalents

1.5

▼ 0.2 vs 2024

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

Wage cost

€ 101,850

▼ 13% vs 2024

€ 67,900 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

€ 2,855

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 8 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 397,396

▼ 11% vs 2024

€ 52,555 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.

Owed to suppliers

€ 29,251

▼ 36% vs 2024

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

Taxes and wages

€ 15,815

▼ 5% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 134,352 Gross margin 2022: € 134,352 First fiscal year in the series	€ 188,144 Gross margin 2023: € 188,144 ▲ 40% vs 2022 (€ 134,352) Favourable step	€ 171,707 Gross margin 2024: € 171,707 ▼ 9% vs 2023 (€ 188,144) Unfavourable step	€ 190,528 Gross margin 2025: € 190,528 ▲ 11% vs 2024 (€ 171,707) Favourable step	▲ 11%
Profit after taxes	€ -4,579 Profit after taxes 2022: € -4,579 First fiscal year in the series	€ -14,344 Profit after taxes 2023: € -14,344 ▼ € 9,765 vs 2022 (€ -4,579) Unfavourable step	€ -16,578 Profit after taxes 2024: € -16,578 ▼ € 2,234 vs 2023 (€ -14,344) Unfavourable step	€ 10,605 Profit after taxes 2025: € 10,605 ▲ € 27,183 vs 2024 (€ -16,578) Favourable step	▲ € 27,183
Equity	€ 17,402 Equity 2022: € 17,402 First fiscal year in the series	€ 3,058 Equity 2023: € 3,058 ▼ 82% vs 2022 (€ 17,402) Unfavourable step	€ -13,520 Equity 2024: € -13,520 ▼ € 16,578 vs 2023 (€ 3,058) Unfavourable step	€ -2,916 Equity 2025: € -2,916 ▲ € 10,605 vs 2024 (€ -13,520) Favourable step	▲ € 10,605
Total debts	€ 585,936 Total debts 2022: € 585,936 First fiscal year in the series	€ 552,384 Total debts 2023: € 552,384 ▼ 6% vs 2022 (€ 585,936) Favourable step	€ 523,339 Total debts 2024: € 523,339 ▼ 5% vs 2023 (€ 552,384) Favourable step	€ 454,348 Total debts 2025: € 454,348 ▼ 13% vs 2024 (€ 523,339) Favourable step	▼ 13%
Cash	€ 7,235 Cash 2022: € 7,235 First fiscal year in the series	€ 4,053 Cash 2023: € 4,053 ▼ 44% vs 2022 (€ 7,235) Unfavourable step	€ 3,294 Cash 2024: € 3,294 ▼ 19% vs 2023 (€ 4,053) Unfavourable step	€ 3,381 Cash 2025: € 3,381 ▲ 3% vs 2024 (€ 3,294) Favourable step	▲ 3%
Retained profit	€ 3,602 Retained profit 2022: € 3,602 First fiscal year in the series	€ -10,742 Retained profit 2023: € -10,742 ▼ € 14,344 vs 2022 (€ 3,602) Unfavourable step	€ -27,320 Retained profit 2024: € -27,320 ▼ € 16,578 vs 2023 (€ -10,742) Unfavourable step	€ -16,716 Retained profit 2025: € -16,716 ▲ € 10,605 vs 2024 (€ -27,320) Favourable step	▲ € 10,605
Bank debt	€ 48,096 Bank debt 2022: € 48,096 First fiscal year in the series	€ 49,539 Bank debt 2023: € 49,539 ▲ 3% vs 2022 (€ 48,096) Unfavourable step	€ 448,421 Bank debt 2024: € 448,421 ▲ € 398,882 vs 2023 (€ 49,539) Unfavourable step	€ 397,396 Bank debt 2025: € 397,396 ▼ 11% vs 2024 (€ 448,421) Favourable step	▼ 11%
Balance sheet total	€ 603,338 Balance sheet total 2022: € 603,338 First fiscal year in the series	€ 555,442 Balance sheet total 2023: € 555,442 ▼ 8% vs 2022 (€ 603,338) Unchanged	€ 509,819 Balance sheet total 2024: € 509,819 ▼ 8% vs 2023 (€ 555,442) Unchanged	€ 451,432 Balance sheet total 2025: € 451,432 ▼ 11% vs 2024 (€ 509,819) Unchanged	▼ 11%
Employees (FTE)	-	1.8 Employees (FTE) 2023: 1.8 First fiscal year in the series	1.7 Employees (FTE) 2024: 1.7 ▼ 0.1 vs 2023 (1.8) Unchanged	1.5 Employees (FTE) 2025: 1.5 ▼ 0.2 vs 2024 (1.7) Unchanged	▼ 0.2

Key figures of SMARTSAFE-STARINSURANCE, 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 SMARTSAFE-STARINSURANCE?

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

Aug 25, 2026 New annual accounts for financial year 2025: profit of € 10,605. filed late Source: NBB ↗
Oct 1, 2022 New establishment in Lebbeke. KBO
2020 Ludwig en Gail Invest BV became a director. NBB
Mar 16, 2001 New establishment in Brugge. KBO
Jan 30, 2001 Start of the company according to the CBE. KBO

In short

From € 4,579 loss in 2022 to € 10,605 profit in 2025.

Paid € 8,255 in corporate taxes since 2022.

Best year ever: 2025, with € 10,605 profit.

On average € 127,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

ASSURANTIES VERHEECKE - STARINSURANCE 70%

WingMan 10%

The stake of ASSURANTIES VERHEECKE - STARINSURANCE, WingMan comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

SMARTSAFE-STARINSURANCE

Behind SMARTSAFE-STARINSURANCE is Ludwig en Gail Invest BV. The shares are held by ASSURANTIES VERHEECKE - STARINSURANCE (70%) and WingMan (10%).

Directors

According to the 2025 annual accounts

Ludwig en Gail Invest BV

Director · represented by Hoeylaerts Gail

Also active at: ASSURANTIES VERHEECKE - STARINSURANCE, Vadesko

since 2020

Shareholders

ASSURANTIES VERHEECKE - STARINSURANCE

70%

WingMan

10%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Komvest 34 box b0-01

8000 Brugge

2.100.174.813

Komvest 34 box B001

8000 Brugge

Active since 16 March 2001

2.335.983.296

Koningin Astridplein 13

9280 Lebbeke

Active since 1 October 2022

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

Details

Company number: 0473.959.222
VAT number: BE 0473.959.222
Registered office: Komvest 34 bus b0-01, 8000 Brugge
Names & denominations: SMARTSAFE-STARINSURANCE
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 30 January 2001
Peppol: Active · Active since 21 Oct 2026
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗