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 5 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ARGENTA BANK - EN VERZEKERINGSGROEP from Antwerpen, company number BE0475525276, closed financial year 2025 with a result of € 117.6 million after tax. Compared with financial year 2024, the result moved from € 127.4 million to € 117.6 million. The company is profitable. 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 April 29, 2026.
€ 1.4 billion
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 117.6 million
▼ 8% vs 2024
Profit after tax over the fiscal year.
€ 1.8 million
▼ 25% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 110.4 million paid out
94 % of the profit went to the shareholders, mostly to Investeringsmaatschappij Argenta - Société d'investissements Argenta - Investierungsgesellschaft Argenta (88 % of the shares). That is where the money ends up.
People and assets in 2025
129.2
▼ 1.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 18.3 million
▲ 2% vs 2024
€ 141,800 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.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 303,855
▲ 1% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 54 days on average.
€ 2.2 million
▲ 3% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Profit after taxes | € 100,649,941 | € 131,646,066 | € 127,424,227 | € 117,604,756 | ▼ 8% |
| Equity | € 1,231,927,696 | € 1,305,954,058 | € 1,379,691,671 | € 1,443,936,309 | ▲ 5% |
| Total debts | € 107,413,108 | € 85,811,584 | € 86,994,138 | € 88,888,284 | ▲ 2% |
| Cash | € 2,820,215 | € 1,511,331 | € 2,394,292 | € 1,796,933 | ▼ 25% |
| Retained profit | € 66,293,438 | € 91,094,647 | € 109,860,325 | € 117,040,187 | ▲ 7% |
| Dividend | € 105,098,320 | € 106,844,857 | € 108,658,549 | € 110,424,894 | ▲ 2% |
| Balance sheet total | € 1,339,340,804 | € 1,391,765,642 | € 1,466,685,809 | € 1,532,824,593 | ▲ 5% |
| Employees (FTE) | 123.7 | 127 | 130.9 | 129.2 | ▼ 1.7 |
Key figures of ARGENTA BANK - EN VERZEKERINGSGROEP, 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 ARGENTA BANK - EN VERZEKERINGSGROEP?
What happened at ARGENTA BANK - EN VERZEKERINGSGROEP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Johan Vankelecom stepped down as director. NBB
- Saskia Vercruyssen stepped down as director. NBB
- Marie-Anne Haegeman stepped down as director. NBB
- Franciska Decuypere stepped down as director. NBB
- Rudi Peeters stepped down as director. NBB
- Marc Van Heel stepped down as director. NBB
- Gert Wauters stepped down as director. NBB
- Peter Devlies stepped down as director. NBB
In short
From € 100.6 million profit in 2022 to € 117.6 million profit in 2025.
Paid € 43,593 in corporate taxes since 2022.
Best year ever: 2023, with € 131.6 million profit.
Paid out € 431 million in dividends to the owners in total.
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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 Investeringsmaatschappij Argenta - Société d'investissements Argenta - Investierungsgesellschaft Argenta, Argenta Coöperatieve comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ARGENTA BANK - EN VERZEKERINGSGROEPThe shares are held by Investeringsmaatschappij Argenta - Société d'investissements Argenta - Investierungsgesellschaft Argenta (87.5%) and Argenta Coöperatieve (12.5%). It owns 100% of Argenta Spaarbank, 100% of Argenta Assuranties and 0.3% of Argenta Asset Management itself.
Directors
According to the 2025 annual accounts
Bart Van Rompuy
Director
Also active at: Investeringsmaatschappij Argenta - Société d'investissements Argenta - Investierungsgesellschaft Argenta
since 2003 · until 2026
Johan Vankelecom
Lid Directiecomité
since 2025 · until 2031
Rafael Vanderstichele
Director
since 2014 · until 2026
Marc Van Heel
Chairman of the board
since 2017 · until 2029
Baudouin Thomas
Director
since 2020 · until 2026
Cyntia Van Hulle
Director
since 2015 · until 2026
Saskia Vercruyssen
Director
since 2025 · until 2031
Gert Wauters
Lid Directiecomité
since 2010 · until 2028
Marie-Anne Haegeman
Director
since 2019 · until 2031
since 2023 · until 2028
Geert Ameloot
lid Directiecomité
since 2011 · until 2025
Franciska Decuypere
Director
since 2025 · until 2031
Rudi Peeters
Director
since 2024 · until 2030
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Belgiëlei 49-53
2018 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
All companies at this address →ARGENTA SPAARBANK same network
ARGENTA ASSURANTIES same network
GROEP ARGENTA
Argenta Asset Management
ARGENTA DP
+2 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
- 0475.525.276
- VAT number
- BE 0475.525.276
- Registered office
- Belgiëlei 49-53, 2018 Antwerpen
- Names & denominations
- ARGENTA BANK - EN VERZEKERINGSGROEP · ARGENTA BVG - ARGENTA GROEP
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 August 2001
- Peppol
- Active · Active since 8 Dec 2025
- Activities · NACE
Activiteiten van hoofdkantoren
Activiteiten van holdings
Holdings
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