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 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VERZEKERINGEN MIDDERNACHT from Hoeilaart, company number BE0543613932, closed financial year 2025 with a result of € 90,336 after tax. For that financial year VERZEKERINGEN MIDDERNACHT recorded a gross margin of € 248,339 and equity of € 155,732. Compared with financial year 2024, the result moved from € 32,250 to € 90,336. 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 29, 2026.
€ 155,732
▲ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 90,336
▲ 180% vs 2024
Profit after tax over the fiscal year.
€ 462
▲ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 58,078 paid out
64 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 25,019
▼ 82% 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.
€ 22,952
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 416,315
▼ 25% vs 2024
€ 111,921 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 956
▼ 94% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 27,972
▲ 86% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 327,309 | € 303,395 | € 297,366 | € 248,339 | ▼ 16% |
| Profit after taxes | € 54,101 | € 14,596 | € 32,250 | € 90,336 | ▲ 180% |
| Equity | € 76,628 | € 91,224 | € 123,474 | € 155,732 | ▲ 26% |
| Total debts | € 799,020 | € 691,478 | € 608,588 | € 504,685 | ▼ 17% |
| Cash | € 47,038 | € 4,920 | € 439 | € 462 | ▲ 5% |
| Land & buildings | € 291,356 | € 282,822 | € 271,821 | € 263,893 | ▼ 3% |
| Retained profit | € 58,078 | € 72,674 | € 104,924 | € 137,182 | ▲ 31% |
| Dividend | € 2,026 | € 0 | € 0 | € 58,078 | |
| Bank debt | € 757,749 | € 673,606 | € 554,879 | € 416,315 | ▼ 25% |
| Balance sheet total | € 875,648 | € 782,702 | € 732,062 | € 660,417 | ▼ 10% |
Key figures of VERZEKERINGEN MIDDERNACHT, 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 VERZEKERINGEN MIDDERNACHT?
What happened at VERZEKERINGEN MIDDERNACHT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 90,336 (▲ 180% vs 2024). Source: NBB ↗
- Wannes Verboven became a director. NBB
- Gudrun Middernacht became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Hoeilaart. KBO
In short
From € 54,101 profit in 2022 to € 90,336 profit in 2025.
Paid € 92,332 in corporate taxes since 2022.
Best year ever: 2025, with € 90,336 profit.
Paid out € 60,103 in dividends to the owners in total.
A new publication or filing at VERZEKERINGEN MIDDERNACHT? 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 VERZEKERINGEN MIDDERNACHT are Wannes Verboven and Gudrun Middernacht. The same people are also behind WANU.
Establishments
Establishment units
Physical locations of this company
Albert Biesmanslaan 16
1560 Hoeilaart
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
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
Website info
Features
Security
Network
Details
- Company number
- 0543.613.932
- VAT number
- BE 0543.613.932
- Registered office
- Albert Biesmanslaan 16, 1560 Hoeilaart
- Names & denominations
- VERZEKERINGEN MIDDERNACHT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 December 2013
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- insucover.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars