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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
VANGUARD INSURANCE from Antwerpen, company number BE0475616536, closed financial year 2024 with a result of € 167,929 after tax. For that financial year VANGUARD INSURANCE recorded revenue of € 485,390 and equity of € 1.4 million. Compared with financial year 2023, the result moved from € 82,252 to € 167,929. 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 July 29, 2025.
€ 1.4 million
▲ 14% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 167,929
▲ 104% vs 2023
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 1.3 million.
People and assets in 2024
0.9
▼ 0.7 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 80,981
▼ 31% vs 2023
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 2024
None
No bank loans on the last day of the fiscal year.
€ 70,533
▼ 11% vs 2023
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 63 days on average.
€ 99,042
▲ 6% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Revenue | € 465,089 | € 244,198 | € 462,210 | € 485,390 | ▲ 5% |
| Profit after taxes | € 66,424 | € 37,997 | € 82,252 | € 167,929 | ▲ 104% |
| Equity | € 1,095,636 | € 1,132,033 | € 1,214,284 | € 1,382,213 | ▲ 14% |
| Total debts | € 148,435 | € 100,631 | € 181,554 | € 174,776 | ▼ 4% |
| Retained profit | € 975,636 | € 1,012,033 | € 1,094,284 | € 1,262,213 | ▲ 15% |
| Balance sheet total | € 1,244,071 | € 1,232,664 | € 1,395,839 | € 1,556,990 | ▲ 12% |
| Employees (FTE) | 1.6 | 1.6 | 1.6 | 0.9 | ▼ 0.7 |
Key figures of VANGUARD INSURANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to VANGUARD INSURANCE?
What happened at VANGUARD INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bram Ceulemans stepped down as director. NBB
- Graham Cousins stepped down as director. NBB
- Curt Martin Karlsson stepped down as director. NBB
- New annual accounts for financial year 2024: profit of € 167,929 (▲ 104% vs 2023). Source: NBB ↗
- Robert de Vos stepped down as director. NBB
- Curt Martin Karlsson became a director. NBB
- Yuriy Ruzhetskyy stepped down as director. NBB
- Onno Meij stepped down as director. NBB
In short
From € 66,424 profit in 2021 to € 167,929 profit in 2024.
Paid € 122,178 in corporate taxes since 2021.
Best year ever: 2024, with € 167,929 profit.
Pays suppliers within 63 days on average.
A new publication or filing at VANGUARD INSURANCE? We notify you, reason included.
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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 shares are held by Vanguard Logistics Services Belgium (100%).
Directors
According to the 2024 annual accounts
Bram Ceulemans
Director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2024 · until 2027
Graham Cousins
Managing director, Director
since 2019 · until 2027
Robert de Vos
Director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2024 · until 2024
Jacques Van Wieringen
Director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2021 · until 2024
Curt Martin Karlsson
Director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2024 · until 2027
Yuriy Ruzhetskyy
Director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2023 · until 2024
Onno Meij
Managing director
Also active at: VANGUARD LOGISTICS SERVICES BELGIUM, VLS BELGIUM, OTS LOGISTICS BELGIUM
since 2021 · until 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Romeynsweel 8
2030 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
CLDIN-NL Your Hosting B.V. part of Your.Online, NL
Website info
Features
Security
Details
- Company number
- 0475.616.536
- VAT number
- BE 0475.616.536
- Registered office
- Romeynsweel 8, 2030 Antwerpen
- Names & denominations
- VANGUARD INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 September 2001
- Peppol
- Not registered
- Contact
- vanguard-insurance.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Rechtstreekse verzekeringsverrichtingen niet-leven