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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Figures corrected NBB
Corrected annual account filed for 2024.
Financials
Financial year 2025
CERTUS from Dendermonde, company number BE0479008368, closed financial year 2025 with a result of € -10,431 after tax. For that financial year CERTUS recorded a gross margin of € 257,010 and equity of € 146,520. Compared with financial year 2024, the result moved from € 9,511 to € -10,431. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ 146,520
▼ 33% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,431
▼ still € 9,511 profit in 2024
Profit after tax over the fiscal year.
€ 48,487
▼ 56% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 139,520.
People and assets in 2025
€ 218,025
▲ 3% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,005
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 96,955
▲ 17% vs 2024
€ 36,635 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 10,573
▲ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,491
▼ 12% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 223,658 | € 277,066 | € 274,000 | € 257,010 | ▼ 6% |
| Profit after taxes | € 29,600 | € 47,863 | € 9,511 | € -10,431 | ▼ € 19,942 |
| Equity | € 187,679 | € 235,543 | € 220,282 | € 146,520 | ▼ 33% |
| Total debts | € 127,951 | € 140,382 | € 118,601 | € 131,019 | ▲ 10% |
| Cash | € 66,582 | € 109,168 | € 110,230 | € 48,487 | ▼ 56% |
| Land & buildings | € 6,572 | € 4,878 | € 3,184 | € 1,490 | ▼ 53% |
| Retained profit | € 180,679 | € 228,543 | € 213,282 | € 139,520 | ▼ 35% |
| Dividend | € 30,000 | € 0 | € 24,771 | € 63,331 | ▲ 156% |
| Bank debt | € 90,700 | € 102,829 | € 83,160 | € 96,955 | ▲ 17% |
| Balance sheet total | € 315,630 | € 375,924 | € 338,883 | € 277,539 | ▼ 18% |
Key figures of CERTUS, 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 CERTUS?
What happened at CERTUS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 10,431 (▼ € 19,942 vs 2024). filed late Source: NBB ↗
- New establishment in Dendermonde. KBO
- Start of the company according to the CBE. KBO
In short
From € 29,600 profit in 2022 to € 10,431 loss in 2025.
Paid € 58,243 in corporate taxes since 2022.
Best year ever: 2023, with € 47,863 profit.
Paid out € 118,102 in dividends to the owners in total.
A new publication or filing at CERTUS? 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 CERTUS is FRANKY VAN NIEUWENHUYZE. FRANKY VAN NIEUWENHUYZE is also behind VN-R.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Grootzand (GRE) 127
9200 Dendermonde
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
DNS
Cloudflare DNS
Domain
Domain
certusverzekeringen.be
Registered
2021-07-12
Website info
Features
Security
Details
- Company number
- 0479.008.368
- VAT number
- BE 0479.008.368
- Registered office
- Grootzand (GRE) 127, 9200 Dendermonde
- Names & denominations
- CERTUS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 December 2002
- Peppol
- Active · Active since 11 Sept 2025
- Contact
- certusverzekeringen.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars