Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 23 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 7.7 to 4.6.
Financials
Financial year 2025
CALLENS VERZEKERINGSGROEP from Waregem, company number BE0478104387, closed financial year 2025 with a result of € 960 after tax. For that financial year CALLENS VERZEKERINGSGROEP recorded a gross margin of € 455,559 and equity of € -109,846. Compared with financial year 2024, the result moved from € 135,280 to € 960. The company is profitable. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 29, 2026.
€ -109,846
▲ € 960 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 960
▼ 99% vs 2024
Profit after tax over the fiscal year.
€ 27,651
▲ 134% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -976,509.
People and assets in 2025
4.6
▼ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 303,570
▼ 17% vs 2024
€ 66,000 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.
€ 1,661
▼ 75% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 162,222
▼ 30% vs 2024
€ 88,070 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 177,353
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 32,804
▼ 6% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 522,465 | € 535,220 | € 608,856 | € 455,559 | ▼ 25% |
| Profit after taxes | € -120,620 | € -90,055 | € 135,280 | € 960 | ▼ 99% |
| Equity | € -156,030 | € -246,085 | € -110,805 | € -109,846 | ▲ € 960 |
| Total debts | € 923,127 | € 822,283 | € 514,477 | € 440,869 | ▼ 14% |
| Cash | € 89,886 | € 26,686 | € 11,795 | € 27,651 | ▲ 134% |
| Retained profit | € -1,022,693 | € -1,112,748 | € -977,468 | € -976,509 | |
| Bank debt | € 398,096 | € 315,159 | € 230,546 | € 162,222 | ▼ 30% |
| Balance sheet total | € 789,533 | € 576,198 | € 403,672 | € 360,942 | ▼ 11% |
| Employees (FTE) | 7.3 | 7.7 | 5.7 | 4.6 | ▼ 1.1 |
Key figures of CALLENS 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 CALLENS VERZEKERINGSGROEP?
What happened at CALLENS VERZEKERINGSGROEP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 960 (▼ 99% vs 2024). Source: NBB ↗
- New establishment in Wingene. KBO
- New establishment in Pittem. KBO
- New establishment in Waregem. KBO
- Start of the company according to the CBE. KBO
In short
From € 120,620 loss in 2022 to € 960 profit in 2025.
Paid € 1,345 in corporate taxes since 2022.
Best year ever: 2024, with € 135,280 profit.
On average € 99,000 of value added per employee in 2025.
A new publication or filing at CALLENS VERZEKERINGSGROEP? 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 B&G WAR-ASSUR comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CALLENS VERZEKERINGSGROEPBehind CALLENS VERZEKERINGSGROEP is B&G War-Assur bv. The shares are held by B&G WAR-ASSUR (100%).
Directors
According to the 2025 annual accounts
Director · represented by Kevin Perquy
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Gentseweg 412
8793 Waregem
Marktplein 17
8750 Wingene
Active since 17 March 2023
Tieltstraat 89
8740 Pittem
Active since 17 March 2023
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
DSTNY-BACKBONE International Backbone, BE
Website info
Features
Security
Details
- Company number
- 0478.104.387
- VAT number
- BE 0478.104.387
- Registered office
- Gentseweg 412, 8793 Waregem
- Names & denominations
- CALLENS VERZEKERINGSGROEP
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 31 July 2002
- Peppol
- Active · Active since 31 Oct 2023
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten