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 30 % of short-term debt in 2025; threshold 65 %.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
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Busy address KBO
50 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
HYPOTHEEKWINKEL from Zaventem, company number BE0474087795, closed financial year 2025 with a result of € 2.3 million after tax. For that financial year HYPOTHEEKWINKEL recorded revenue of € 26.8 million and equity of € 9 million. Compared with financial year 2024, the result moved from € 1 million to € 2.3 million. Profitable, and profit is growing. 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 29, 2026.
€ 9 million
▲ 35% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2.3 million
▲ 129% vs 2024
Profit after tax over the fiscal year.
€ 280,094
▼ 73% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 9 million.
People and assets in 2025
25
▲ 5.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2.5 million
▲ 34% vs 2024
€ 98,200 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.
€ 56,453
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 123,748
▼ 14% vs 2024
€ 113,261 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 1.1 million
▲ 211% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 19 days on average.
€ 679,830
▲ 242% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 16,929,413 | € 15,821,950 | € 17,970,126 | € 26,812,307 | ▲ 49% |
| Profit after taxes | € 1,431,529 | € 707,262 | € 1,006,120 | € 2,306,838 | ▲ 129% |
| Equity | € 4,961,801 | € 5,669,063 | € 6,675,183 | € 8,982,021 | ▲ 35% |
| Total debts | € 10,337,005 | € 10,667,247 | € 10,342,885 | € 12,365,593 | ▲ 20% |
| Cash | € 862,831 | € 917,156 | € 1,055,297 | € 280,094 | ▼ 73% |
| Retained profit | € 4,941,801 | € 5,649,063 | € 6,655,183 | € 8,962,021 | ▲ 35% |
| Bank debt | € 95,313 | € 85,640 | € 143,230 | € 123,748 | ▼ 14% |
| Balance sheet total | € 15,298,806 | € 16,336,310 | € 17,018,068 | € 21,347,614 | ▲ 25% |
| Employees (FTE) | 13.8 | 16.3 | 19.9 | 25 | ▲ 5.1 |
Key figures of HYPOTHEEKWINKEL, 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 HYPOTHEEKWINKEL?
What happened at HYPOTHEEKWINKEL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2.3 million (▲ 129% vs 2024). Source: NBB ↗
- Grégory Kron became a director. NBB
- Nobumanco BV became a director. NBB
- Thomas Vandeville became a director. NBB
- Joost Moerland stepped down as director. NBB
- De Gele Veter BV stepped down as director. NBB
- Jorre Eduard Bonjer stepped down as director. NBB
- Akkernest BV stepped down as director. NBB
In short
From € 1.4 million profit in 2022 to € 2.3 million profit in 2025.
Paid € 2 million in corporate taxes since 2022.
Best year ever: 2025, with € 2.3 million profit.
Pays suppliers within 19 days on average.
Management
The stake of Horizon Holdco comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
HYPOTHEEKWINKELBehind HYPOTHEEKWINKEL are Grégory Kron, Nobumanco BV and Thomas Vandeville. The shares are held by Horizon Holdco (100%). It owns 100% of Verzekeringen itself.
Directors
According to the 2025 annual accounts
since 2026
Managing director · represented by David Geerts
Also active at: Horizon Holdco, e-Contract
since 2026
since 2026
Joost Moerland
Director
since 2020 · until 2026
Managing director · represented by David Geerts
Also active at: VERZEKERINGEN, Horizon Holdco, e-Contract
since 2020 · until 2026
Jorre Eduard Bonjer
Director
since 2020 · until 2026
since 2020 · until 2026
Thomas Evert Fleischer
Director
since 2020 · until 2026
Shareholders
100%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Leuvensesteenweg 643 box 14
1930 Zaventem
Vlaamsekaai 85
2000 Antwerpen
Active since 16 August 2021
Ruggeveldlaan 751
2100 Antwerpen
Active since 16 August 2021
Vlaamsesteenweg 3
1000 Brussel
Active since 2 October 2023
Parkplein 23
9000 Gent
Active since 1 October 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 50 companies are registered at this address.
All companies at this address →Vlaamse Vereniging voor Gastro - Enterologie
BATENBURG TECHNIEK BELGIË
€ 556,876 gross margin · 2025
Fonds Georges Brohée
BELGIAN SOCIETY OF GASTROINTESTINAL ENDOSCOPY
EVISO
€ 1.2 million gross margin · 2025
+45 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0474.087.795
- VAT number
- BE 0474.087.795
- Registered office
- Leuvensesteenweg 643 bus 14, 1930 Zaventem
- Names & denominations
- HYPOTHEEKWINKEL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 February 2001
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.
Activiteiten van verzekeringsagenten en -makelaars