Financials
Financial year 2025
LARDENOIT INSURANCE from Temse, company number BE0474130951, closed financial year 2025 with a result of € 7,986 after tax. For that financial year LARDENOIT INSURANCE recorded a gross margin of € 1 million and equity of € 397,215. Compared with financial year 2024, the result moved from € 228,853 to € 7,986. 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 22, 2026.
€ 397,215
▼ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,986
▼ 97% vs 2024
Profit after tax over the fiscal year.
€ 17,066
▼ 75% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 150,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
9.9
▲ 1.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 685,866
▲ 22% vs 2024
€ 69,300 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.
€ 76,299
▲ 11% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 549,610
▼ 17% vs 2024
€ 102,015 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 135,366
▲ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 63,019
▼ 1% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 982,964 | € 1,100,036 | € 1,078,320 | € 1,047,944 | ▼ 3% |
| Profit after taxes | € 84,534 | € 131,021 | € 228,853 | € 7,986 | ▼ 97% |
| Equity | € 344,355 | € 310,376 | € 539,229 | € 397,215 | ▼ 26% |
| Total debts | € 526,270 | € 565,204 | € 846,625 | € 748,267 | ▼ 12% |
| Cash | € 97,787 | € 314,335 | € 69,234 | € 17,066 | ▼ 75% |
| Retained profit | € 325,755 | € 291,776 | € 520,629 | € 378,615 | ▼ 27% |
| Dividend | € 0 | € 165,000 | € 0 | € 150,000 | |
| Bank debt | € 462,370 | € 249,403 | € 663,856 | € 549,610 | ▼ 17% |
| Balance sheet total | € 870,625 | € 875,580 | € 1,385,854 | € 1,145,482 | ▼ 17% |
| Employees (FTE) | 9.5 | 9.5 | 8.4 | 9.9 | ▲ 1.5 |
Key figures of LARDENOIT INSURANCE, 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 LARDENOIT INSURANCE?
What happened at LARDENOIT INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,986 (▼ 97% vs 2024). Source: NBB ↗
- New establishment in Bornem. KBO
- New establishment in Sint-Gillis-Waas. KBO
- New establishment in Temse. KBO
- Start of the company according to the CBE. KBO
In short
From € 84,534 profit in 2022 to € 7,986 profit in 2025.
Paid € 221,884 in corporate taxes since 2022.
Best year ever: 2024, with € 228,853 profit.
On average € 105,900 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
Establishments
Establishment units
Physical locations of this company
Oeverstraat 2
9140 Temse
Hingenesteenweg(BOR) 39
2880 Bornem
Active since 1 May 2016
Kerkstraat(SGW) 18
9170 Sint-Gillis-Waas
Active since 1 March 2011
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0474.130.951
- VAT number
- BE 0474.130.951
- Registered office
- Oeverstraat 2, 9140 Temse
- Names & denominations
- LARDENOIT INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 February 2001
- Peppol
- Active · Active since 31 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars