Financials
Financial year 2025
MALFAIT VERZEKERINGSKANTOOR from Kortrijk, company number BE0476982850, closed financial year 2025 with a result of € 239,559 after tax. For that financial year MALFAIT VERZEKERINGSKANTOOR recorded a gross margin of € 2.3 million and equity of € 105,566. Compared with financial year 2024, the result moved from € 531,963 to € 239,559. The company is profitable. The buffer shrank hard: equity is 51 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 3, 2026.
€ 105,566
▼ 51% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 239,559
▼ 55% vs 2024
Profit after tax over the fiscal year.
€ 3.1 million
▲ 83% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 350,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
24
▲ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.7 million
▲ 4% vs 2024
€ 71,200 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.
€ 354,681
▲ 15% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 5.1 million
▲ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 227,173
▲ 11% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,216,747 | € 2,225,270 | € 2,466,152 | € 2,339,450 | ▼ 5% |
| Profit after taxes | € 200,494 | € 265,581 | € 531,963 | € 239,559 | ▼ 55% |
| Equity | € 178,463 | € 184,044 | € 216,007 | € 105,566 | ▼ 51% |
| Total debts | € 3,731,073 | € 5,246,817 | € 5,718,308 | € 5,768,210 | ▲ 1% |
| Cash | € 2,808,579 | € 3,226,091 | € 1,719,367 | € 3,143,175 | ▲ 83% |
| Retained profit | € 90,663 | € 96,244 | € 128,207 | € 17,766 | ▼ 86% |
| Dividend | € 195,000 | € 260,000 | € 500,000 | € 350,000 | ▼ 30% |
| Bank debt | € 0 | € 0 | € 580,000 | € 0 | ▼ 100% |
| Balance sheet total | € 3,909,536 | € 5,430,861 | € 5,934,315 | € 5,873,776 | ▼ 1% |
| Employees (FTE) | 25 | 23.6 | 23 | 24 | ▲ 1 |
Key figures of MALFAIT VERZEKERINGSKANTOOR, 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 MALFAIT VERZEKERINGSKANTOOR?
What happened at MALFAIT VERZEKERINGSKANTOOR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 239,559 (▼ 55% vs 2024). Source: NBB ↗
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 200,494 profit in 2022 to € 239,559 profit in 2025.
Paid € 334,398 in corporate taxes since 2022.
Best year ever: 2024, with € 531,963 profit.
On average € 97,500 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
The stake of EBL Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
MALFAIT VERZEKERINGSKANTOORBehind MALFAIT VERZEKERINGSKANTOOR are RISKCare BV and EBL MANAGEMENT BV. The shares are held by EBL Management (90%).
Directors
According to the 2025 annual accounts
Director · represented by Herman Kerremans
Also active at: JEAN CRAB ET SES FILS, Devaux, Roland Associés, Sharp Insurance Brokers, Sur., MAXI ASSUR, Howden Sarton, RISK MANAGEMENT ASSURANCES, SERVASSIM +13 more
Managing director · represented by Helena Malfait
Shareholders
90%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Minister Tacklaan(Kor) 33
8500 Kortrijk
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
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0476.982.850
- VAT number
- BE 0476.982.850
- Registered office
- Minister Tacklaan(Kor) 33, 8500 Kortrijk
- Names & denominations
- MALFAIT VERZEKERINGSKANTOOR
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 4 March 2002
- Peppol
- Active · Active since 3 Mar 2026
- Contact
- malfait.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten