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.
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Tight liquidity NBB
Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
GROEP LB VERZEKERINGEN from Tienen, company number BE0546855316, closed financial year 2025 with a result of € -5,548 after tax. For that financial year GROEP LB VERZEKERINGEN recorded a gross margin of € 153,720 and equity of € -102,697. Compared with financial year 2024, the result moved from € 23,009 to € -5,548. The company made a loss. 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 January 29, 2026.
€ -102,697
▼ € 5,548 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,548
▼ still € 23,009 profit in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -108,897.
People and assets in 2025
€ 131,524
▼ 15% 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.
€ 2,343
▼ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 291,515
▼ 11% vs 2024
€ 28,228 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 8,988
▲ 102% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 27,819
▲ 10% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 182,522 | € 204,245 | € 199,511 | € 153,720 | ▼ 23% |
| Profit after taxes | € 38,841 | € 18,611 | € 23,009 | € -5,548 | ▼ € 28,558 |
| Equity | € -138,769 | € -120,158 | € -97,148 | € -102,697 | ▼ € 5,548 |
| Total debts | € 288,631 | € 341,227 | € 357,439 | € 329,652 | ▼ 8% |
| Cash | € 13,288 | € 2,109 | € 22,538 | - | |
| Land & buildings | € 132,521 | € 178,725 | € 172,254 | € 165,782 | ▼ 4% |
| Retained profit | € -144,969 | € -126,358 | € -103,348 | € -108,897 | ▼ € 5,548 |
| Bank debt | € 248,243 | € 313,952 | € 325,933 | € 291,515 | ▼ 11% |
| Balance sheet total | € 149,862 | € 221,070 | € 260,290 | € 226,955 | ▼ 13% |
Key figures of GROEP LB 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 30 January 2027.
What happened to GROEP LB VERZEKERINGEN?
What happened at GROEP LB VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,548 (▼ € 28,558 vs 2024). Source: NBB ↗
- New establishment in Tienen. KBO
- New establishment in Aarschot. KBO
- Start of the company according to the CBE. KBO
In short
From € 38,841 profit in 2022 to € 5,548 loss in 2025.
Paid € 3,894 in corporate taxes since 2022.
Best year ever: 2022, with € 38,841 profit.
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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 GROEP LB VERZEKERINGEN are EMVI VOF and Henbo VOF.
Establishments
Establishment units
Physical locations of this company
Wolvenpad 2
3300 Tienen
Langdorpsesteenweg 80B
3200 Aarschot
Active since 25 February 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Self-hosted
Hosting
GOOGLE - Google LLC, US
Website info
Features
Security
Details
- Company number
- 0546.855.316
- VAT number
- BE 0546.855.316
- Registered office
- Wolvenpad 2, 3300 Tienen
- Names & denominations
- GROEP LB VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 February 2014
- Peppol
- Active · Active since 13 Apr 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars