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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Tight liquidity NBB
Cash and receivables cover 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
WALSCHOTS VERZEKERINGEN from Ravels, company number BE0480238585, closed financial year 2025 with a result of € 645,436 after tax. For that financial year WALSCHOTS VERZEKERINGEN recorded a gross margin of € 906,180 and equity of € 1.5 million. Compared with financial year 2024, the result moved from € -429,347 to € 645,436. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 20, 2026.
€ 1.5 million
▲ 61% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 645,436
▲ still € 429,347 loss in 2024
Profit after tax over the fiscal year.
€ 123,507
▲ € 99,377 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 63,932 paid out
10 % of the profit went to the shareholders, mostly to Compagnie LLC (100 % of the shares). That is where the money ends up.
People and assets in 2025
4.4
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 336,160
▲ 4% vs 2024
€ 76,400 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.
€ 5,403
▲ 49% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.7 million
▲ 279% vs 2024
€ 938,060 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 7,280
▼ 59% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 34,230
▲ 24% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 834,676 | € 893,560 | € 932,851 | € 906,180 | ▼ 3% |
| Profit after taxes | € 62,051 | € 59,722 | € -429,347 | € 645,436 | ▲ € 1.1 million |
| Equity | € 1,323,614 | € 1,383,336 | € 953,989 | € 1,535,493 | ▲ 61% |
| Total debts | € 2,156,955 | € 1,773,863 | € 1,569,354 | € 3,144,979 | ▲ 100% |
| Cash | € 26,341 | € 5,202 | € 24,130 | € 123,507 | ▲ € 99,377 |
| Land & buildings | € 92,606 | € 69,770 | € 54,714 | € 32,644 | ▼ 40% |
| Retained profit | € 1,305,014 | € 1,364,736 | € 935,389 | € 1,516,893 | ▲ 62% |
| Dividend | € 0 | € 0 | € 0 | € 63,932 | |
| Bank debt | € 1,369,975 | € 968,508 | € 714,878 | € 2,709,052 | ▲ 279% |
| Balance sheet total | € 3,480,568 | € 3,157,199 | € 2,523,343 | € 4,680,472 | ▲ 85% |
| Employees (FTE) | 4.5 | 4.5 | 4.3 | 4.4 | ▲ 0.1 |
Key figures of WALSCHOTS VERZEKERINGEN, 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 WALSCHOTS VERZEKERINGEN?
What happened at WALSCHOTS VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 645,436. Source: NBB ↗
- Compagnie LLC BV became a director. NBB
- Walschots Beheer stepped down as director. NBB
- New establishment in Ravels. KBO
- Start of the company according to the CBE. KBO
In short
From € 62,051 profit in 2022 to € 645,436 profit in 2025.
Paid € 1,009 in corporate taxes since 2022.
Best year ever: 2025, with € 645,436 profit.
On average € 206,000 of value added per employee in 2025.
Management
The stake of Compagnie LLC comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
WALSCHOTS VERZEKERINGENBehind WALSCHOTS VERZEKERINGEN is Compagnie LLC BV. The shares are held by Compagnie LLC (99.7%). It owns 100% of Kempen Advies Verzekeringsmakelaars itself.
Directors
According to the 2025 annual accounts
Director · represented by Walschots Luc
since 2025
Director · represented by Walschots Luc
Also active at: Compagnie LLC, LUCAN BEHEER, KEMPEN ADVIES
· until 2025
Shareholders
99.7%
Participations
Establishments
Establishment units
Physical locations of this company
Trier 7
2382 Ravels
Dorp 63
2382 Ravels
Active since 1 May 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0480.238.585
- VAT number
- BE 0480.238.585
- Registered office
- Trier 7, 2382 Ravels
- Names & denominations
- WALSCHOTS VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 May 2003
- Peppol
- Active · Active since 31 Mar 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen