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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Busy address KBO
12 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
ACTIEF INSURANCES from Lummen, company number BE0598724679, closed financial year 2025 with a result of € 2,657 after tax. For that financial year ACTIEF INSURANCES recorded a gross margin of € 639,282 and equity of € 54,552. Compared with financial year 2024, the result moved from € 54,592 to € 2,657. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 28, 2026.
€ 54,552
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,657
▼ 95% vs 2024
Profit after tax over the fiscal year.
€ 52,222
▲ 10% 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 € -7,448.
People and assets in 2025
7.6
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 598,440
▲ 7% vs 2024
€ 78,700 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.
€ 16,890
▲ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 159,474
▲ 124% vs 2024
Loans from banks and other lenders, long and short.
€ 1.1 million
▲ 28% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 92,525
▼ 13% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 497,724 | € 639,753 | € 756,495 | € 639,282 | ▼ 15% |
| Profit after taxes | € -32,170 | € 9,824 | € 54,592 | € 2,657 | ▼ 95% |
| Equity | € -12,521 | € -2,698 | € 51,895 | € 54,552 | ▲ 5% |
| Total debts | € 1,350,550 | € 1,125,617 | € 1,197,768 | € 1,442,090 | ▲ 20% |
| Cash | € 112,990 | € 151,232 | € 47,654 | € 52,222 | ▲ 10% |
| Retained profit | € -74,521 | € -64,698 | € -10,105 | € -7,448 | ▲ € 2,657 |
| Bank debt | € 259,154 | € 164,771 | € 71,151 | € 159,474 | ▲ 124% |
| Balance sheet total | € 1,338,029 | € 1,122,919 | € 1,249,663 | € 1,496,641 | ▲ 20% |
| Employees (FTE) | 6 | 6.9 | 6.9 | 7.6 | ▲ 0.7 |
Key figures of ACTIEF INSURANCES, 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 ACTIEF INSURANCES?
What happened at ACTIEF INSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2,657 (▼ 95% vs 2024). filed late Source: NBB ↗
- Interaction NV became a director. NBB
- Certa Trinitas BV became a director. NBB
- Dries Wouters became a director. NBB
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
In short
From € 32,170 loss in 2022 to € 2,657 profit in 2025.
Paid € 58,325 in corporate taxes since 2022.
Best year ever: 2024, with € 54,592 profit.
On average € 84,100 of value added per employee in 2025.
Management
The stake of Certa Trinitas comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ACTIEF INSURANCESBehind ACTIEF INSURANCES are Interaction NV, Certa Trinitas BV and Dries Wouters. The shares are held by Certa Trinitas (100%).
Directors
According to the 2025 annual accounts
Persoon belast met dagelijks bestuur · represented by Vanstraelen Marc
since 2025
since 2025
Dries Wouters
Director
Also active at: ASSUR - PROJECTS, BZB-FEDAFIN, Poggio, Certa Trinitas, OPTIFIN SOLUTIONS, OMDA INVESTMENTS, WOUTERS - LOWEL
since 2025
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Bosstraat 52
3560 Lummen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 12 companies are registered at this address.
All companies at this address →LIMARU
€ 13.5 million revenue · 2025
BENECHEM
€ 55,000 revenue · 2026
OFFICE26
€ 349,161 gross margin · 2025
Groep Actief Insurances
DEVSO
€ 60,755 gross margin · 2025
+7 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0598.724.679
- VAT number
- BE 0598.724.679
- Registered office
- Bosstraat 52, 3560 Lummen
- Names & denominations
- ACTIEF INSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 February 2015
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars