Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
B&G VERZEKERINGSMAKELAARS from Wingene, company number BE0474715129, closed financial year 2025 with a result of € -10,748 after tax. For that financial year B&G VERZEKERINGSMAKELAARS recorded a gross margin of € 711,039 and equity of € 427,649. Compared with financial year 2024, the result moved from € -35,085 to € -10,748. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 16, 2026.
€ 427,649
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,748
▲ 69 % less loss than in 2024
Profit after tax over the fiscal year.
€ 78,140
▼ 26% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 409,049.
People and assets in 2025
9.1
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 634,778
▲ 3% vs 2024
€ 69,800 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.
€ 79,732
▼ 20% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 261,604
▼ 36% vs 2024
€ 50,850 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 21,181
▼ 61% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 72,158
▲ 9% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 775,596 | € 824,627 | € 732,697 | € 711,039 | ▼ 3% |
| Profit after taxes | € 90,527 | € 76,695 | € -35,085 | € -10,748 | ▲ € 24,338 |
| Equity | € 396,787 | € 473,482 | € 438,396 | € 427,649 | ▼ 2% |
| Total debts | € 618,424 | € 648,623 | € 563,974 | € 488,301 | ▼ 13% |
| Cash | € 26,463 | € 259,720 | € 105,510 | € 78,140 | ▼ 26% |
| Land & buildings | € 123,878 | € 107,489 | € 290,737 | € 269,048 | ▼ 7% |
| Retained profit | € 378,187 | € 454,882 | € 419,796 | € 409,049 | ▼ 3% |
| Bank debt | € 495,638 | € 449,999 | € 409,210 | € 261,604 | ▼ 36% |
| Balance sheet total | € 1,015,211 | € 1,122,104 | € 1,002,370 | € 915,950 | ▼ 9% |
| Employees (FTE) | 7.5 | 7.7 | 9 | 9.1 | ▲ 0.1 |
Key figures of B&G VERZEKERINGSMAKELAARS, 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 B&G VERZEKERINGSMAKELAARS?
What happened at B&G VERZEKERINGSMAKELAARS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 10,748. Source: NBB ↗
- New establishment in Tielt. KBO
- New establishment in Waregem. KBO
- New establishment in Pittem. KBO
- New establishment in Wingene. KBO
- Start of the company according to the CBE. KBO
In short
From € 90,527 profit in 2022 to € 10,748 loss in 2025.
Paid € 64,627 in corporate taxes since 2022.
Best year ever: 2022, with € 90,527 profit.
On average € 78,100 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
Management
Behind B&G VERZEKERINGSMAKELAARS are Barmels BV and Noosie BV. It owns 99.9% of B&G PITTEM, 55% of B&G WINGENE ZWEVEZELE and 50% of B&G WAR ASSUR itself.
Directors
According to the 2025 annual accounts
Director · represented by Stefaan Barbier
Director · represented by Philip Gryspeert
Establishments
Establishment units
Physical locations of this company
Rupsenstraat 48
8750 Wingene
Marktplein 17
8750 Wingene
Active since 12 September 2001
Meulebeke Plaats 14
8760 Tielt
Active since 1 April 2023
Gentseweg 412
8793 Waregem
Active since 1 April 2023
Tieltstraat 89
8740 Pittem
Active since 1 April 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0474.715.129
- VAT number
- BE 0474.715.129
- Registered office
- Rupsenstraat 48, 8750 Wingene
- Names & denominations
- B&G VERZEKERINGSMAKELAARS · B&G Verzekeringsmakelaars
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 April 2001
- Peppol
- Active · Active since 30 Oct 2023
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten