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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Annual account missing NBB
Fiscal year 2024 was expected before 31 July 2025 and has not been filed.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2023.
Financials
Financial year 2023
Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen from Wuustwezel, company number BE0475811328, closed financial year 2023 with a result of € 323,382 after tax. For that financial year Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen recorded a gross margin of € 3.2 million and equity of € 664,159. Compared with financial year 2022, the result moved from € 655,881 to € 323,382. 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 July 3, 2024.
€ 664,159
▲ 6% vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 323,382
▼ 51% vs 2022
Profit after tax over the fiscal year.
€ 20,501
▲ € 17,654 vs 2022
Cash and bank balances on the last day of the fiscal year.
€ 276,353 paid out
85 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2023
35.1
▼ 0.2 vs 2022
Average over the fiscal year, from the social balance sheet.
€ 2.6 million
▲ 14% vs 2022
€ 74,800 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.
€ 41,314
▼ 6% vs 2022
Book value of vehicles, furniture and equipment.
Debts at end 2023
€ 11,499
▼ 93% vs 2022
€ 9,196 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 40,635
▼ 45% vs 2022
Supplier invoices still open on the last day of the fiscal year.
€ 507,359
▼ 5% vs 2022
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | Change 2022 → 2023 | |
|---|---|---|---|---|
| Gross margin | € 1,445,085 | € 3,360,676 | € 3,193,952 | ▼ 5% |
| Profit after taxes | € 202,271 | € 655,881 | € 323,382 | ▼ 51% |
| Equity | € 337,413 | € 623,649 | € 664,159 | ▲ 6% |
| Total debts | € 501,967 | € 1,239,690 | € 792,175 | ▼ 36% |
| Cash | € 835 | € 2,848 | € 20,501 | ▲ € 17,654 |
| Retained profit | € 262,413 | € 548,649 | € 589,159 | ▲ 7% |
| Dividend | € 181,910 | € 574,171 | € 276,353 | ▼ 52% |
| Bank debt | € 95,329 | € 153,443 | € 11,499 | ▼ 93% |
| Balance sheet total | € 839,381 | € 1,920,197 | € 1,513,193 | ▼ 21% |
| Employees (FTE) | 18.6 | 35.3 | 35.1 | ▼ 0.2 |
Key figures of Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen, fiscal years 2021 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.
What happened to Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen?
What happened at Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2023: profit of € 323,382 (▼ 51% vs 2022). Source: NBB ↗
- Kristof Hendrickx stepped down as director. NBB
- Gregory Van Overmeiren stepped down as director. NBB
- Kristof Hendrickx became a director. NBB
- New establishment in Brasschaat. KBO
- New establishment in Brasschaat. KBO
- New establishment in Kapellen. KBO
- New establishment in Zoersel. KBO
In short
From € 202,271 profit in 2021 to € 323,382 profit in 2023.
Paid € 548,962 in corporate taxes since 2021.
Best year ever: 2022, with € 655,881 profit.
On average € 91,000 of value added per employee in 2023.
A new publication or filing at Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen? 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
Behind Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen are Patrick Coudyzer, Sophie Mores, Patricia Leën, Wim Verellen, Hilde Van Tigchelt and Olivier Bracke. Sophie Mores is also behind NOVA VISION.
Directors
According to the 2023 annual accounts
Patrick Coudyzer
Manager
Patricia Leën
Manager
Wim Verellen
Manager
Hilde Van Tigchelt
Lid Directiecomité
Olivier Bracke
Manager
Sandy De Gruyter
Manager
Frank Jaspers
Manager
since 2023 · until 2023
Gregory Van Overmeiren
Manager
· until 2023
Establishments
Establishment units
Physical locations of this company
Bredabaan (Gooreind) 423
2990 Wuustwezel
Bredabaan (Centrum) 423
2990 Wuustwezel
Active since 7 December 2001
Gemeenteplaats 6
2960 Brecht
Active since 7 December 2001
Kapellensteenweg (C) 168A
2920 Kalmthout
Active since 7 December 2001
Bredabaan 188
2930 Brasschaat
Active since 2 January 2004
Handelslei 127
2980 Zoersel
Active since 29 December 2008
Kapelsesteenweg 334
2930 Brasschaat
Active since 16 December 2010
Antwerpsesteenweg 49
2950 Kapellen
Active since 16 December 2010
Leopoldslei 2 box B
2930 Brasschaat
Active since 28 September 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0475.811.328
- VAT number
- BE 0475.811.328
- Registered office
- Bredabaan (Gooreind) 423, 2990 Wuustwezel
- Names & denominations
- Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 9 October 2001
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
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