Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 5.3 to 4.3.
Financials
Financial year 2024
RAADHUIS VERZEKERINGEN from Brugge, company number BE0476255548, closed financial year 2024 with a result of € 87,794 after tax. For that financial year RAADHUIS VERZEKERINGEN recorded a gross margin of € 595,220 and equity of € 324,737. Compared with financial year 2023, the result moved from € 89,247 to € 87,794. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 10, 2025.
€ 324,737
▲ 2% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 87,794
▼ 2% vs 2023
Profit after tax over the fiscal year.
€ 232,202
▼ 7% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 80,000 paid out
91 % of the profit went to the shareholders, mostly to INVESTORAMA (100 % of the shares). That is where the money ends up.
People and assets in 2024
4.3
▼ 0.7 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 291,457
▼ 8% vs 2023
€ 67,800 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.
€ 102,322
▲ 115% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 2.6 million
▲ € 2.1 million vs 2023
€ 222,173 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
€ 49,317
▲ € 37,402 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 59,695
▼ 7% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 446,205 | € 529,859 | € 595,712 | € 595,220 | |
| Profit after taxes | € 69,884 | € 13,176 | € 89,247 | € 87,794 | ▼ 2% |
| Equity | € 294,521 | € 307,697 | € 316,944 | € 324,737 | ▲ 2% |
| Total debts | € 748,515 | € 1,065,239 | € 976,236 | € 3,103,852 | ▲ 218% |
| Cash | € 171,945 | € 215,972 | € 249,301 | € 232,202 | ▼ 7% |
| Retained profit | € 288,321 | € 301,497 | € 310,744 | € 318,537 | ▲ 3% |
| Dividend | € 50,000 | € 0 | € 80,000 | € 80,000 | |
| Bank debt | € 387,170 | € 717,414 | € 545,183 | € 2,618,188 | ▲ € 2.1 million |
| Balance sheet total | € 1,043,035 | € 1,372,936 | € 1,293,180 | € 3,428,590 | ▲ 165% |
| Employees (FTE) | 3.8 | 5.3 | 5 | 4.3 | ▼ 0.7 |
Key figures of RAADHUIS VERZEKERINGEN, 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 RAADHUIS VERZEKERINGEN?
What happened at RAADHUIS VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 87,794 (▼ 2% vs 2023). filed late Source: NBB ↗
- New establishment in Jabbeke. KBO
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
In short
From € 69,884 profit in 2021 to € 87,794 profit in 2024.
Paid € 124,669 in corporate taxes since 2021.
Best year ever: 2023, with € 89,247 profit.
On average € 138,400 of value added per employee in 2024.
A new publication or filing at RAADHUIS VERZEKERINGEN? 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 stake of INVESTORAMA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
RAADHUIS VERZEKERINGENBehind RAADHUIS VERZEKERINGEN are INVESTORAMA BV and IMCAS Comm.V. The shares are held by INVESTORAMA (100%). It owns 100% of Group Kinds itself.
Directors
According to the 2024 annual accounts
Director · represented by BRUNO HAEGEBAERT
Also active at: SPOT PROPERTIES, RAADHUIS FIN
Shareholders
100%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Torhoutse Steenweg 272
8200 Brugge
Gistelsteenweg 313
8490 Jabbeke
Active since 1 August 2025
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 →RAADHUIS B&F
€ 2.1 million gross margin · 2024
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€ 36,751 gross margin · 2024
SIMMES
€ 43,021 gross margin · 2025
Raadhuis Findustries
RAADHUIS FIN same network
€ 193,620 gross margin · 2024
+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
- 0476.255.548
- VAT number
- BE 0476.255.548
- Registered office
- Torhoutse Steenweg 272, 8200 Brugge
- Names & denominations
- RAADHUIS VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 December 2001
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten