What does Impactum Insurance do?

Impactum Insurance is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”. Also registered: insurance broker. Private Limited, started on 18 May 2015, 2 establishments.

What is the address of Impactum Insurance?

The registered office of Impactum Insurance is located at Markt 33, 2860 Sint-Katelijne-Waver.

Is Impactum Insurance still active?

Yes. According to the CBE (31 October 2026) Impactum Insurance is active, legal situation “Normale toestand”, started on 18 May 2015.

Is Impactum Insurance registered on Peppol?

Yes, Impactum Insurance is registered on the Peppol network with ID 0208:0630661732.

What is the enterprise number of Impactum Insurance?

The enterprise number of Impactum Insurance is BE0630661732.

When was Impactum Insurance founded?

Impactum Insurance was founded on 18 May 2015.

Who are the directors of Impactum Insurance?

According to the 2025 annual accounts, the directors of Impactum Insurance are: Leo De Cat, Max Invest BV, Zakenkantoor Cools BV, Christophe Cools.

Is Impactum Insurance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 18 May 2015; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 2 establishments in the CBE.

How much profit did Impactum Insurance make in 2025?

Impactum Insurance recorded a loss after taxes of € 56,800 in financial year 2025.

What is the revenue of Impactum Insurance?

As a small company, Impactum Insurance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 454,856.

How much does an employee at Impactum Insurance earn?

The average wage cost per full-time employee at Impactum Insurance was € 57,100 in 2022: staff costs of € 216,798 for 3.8 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

Impactum Insurance (Private Limited)

Dossier Impactum Insurance, printed on 31 October 2026 from databakkes.be/en/0630661732/impactum-insurance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

Impactum Insurance from Sint-Katelijne-Waver, company number BE0630661732, closed financial year 2025 with a result of € -56,800 after tax. For that financial year Impactum Insurance recorded a gross margin of € 454,856 and equity of € 11,794. Compared with financial year 2024, the result moved from € 15,326 to € -56,800. The company made a loss. The buffer shrank hard: equity is 83 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.

What it is worth Shrank hard

€ 11,794

▼ 83% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -56,800

▼ still € 15,326 profit in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 27,163

▲ 197% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 5,594.

People and assets in 2025

Wage cost

€ 487,496

▲ 13% 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.

Vehicles and equipment

€ 3,470

▼ 29% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 11 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.8 million

▲ € 1.7 million vs 2024

€ 169,163 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.

Owed to suppliers

€ 2,733

▼ 6% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 56,049

▲ 16% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 403,272 Gross margin 2022: € 403,272 First fiscal year in the series	€ 354,907 Gross margin 2023: € 354,907 ▼ 12% vs 2022 (€ 403,272) Unfavourable step	€ 482,349 Gross margin 2024: € 482,349 ▲ 36% vs 2023 (€ 354,907) Favourable step	€ 454,856 Gross margin 2025: € 454,856 ▼ 6% vs 2024 (€ 482,349) Unfavourable step	▼ 6%
Profit after taxes	€ 284 Profit after taxes 2022: € 284 First fiscal year in the series	€ 4,744 Profit after taxes 2023: € 4,744 ▲ € 4,460 vs 2022 (€ 284) Favourable step	€ 15,326 Profit after taxes 2024: € 15,326 ▲ 223% vs 2023 (€ 4,744) Favourable step	€ -56,800 Profit after taxes 2025: € -56,800 ▼ € 72,127 vs 2024 (€ 15,326) Unfavourable step	▼ € 72,127
Equity	€ 48,525 Equity 2022: € 48,525 First fiscal year in the series	€ 53,269 Equity 2023: € 53,269 ▲ 10% vs 2022 (€ 48,525) Favourable step	€ 68,595 Equity 2024: € 68,595 ▲ 29% vs 2023 (€ 53,269) Favourable step	€ 11,794 Equity 2025: € 11,794 ▼ 83% vs 2024 (€ 68,595) Unfavourable step	▼ 83%
Total debts	€ 136,383 Total debts 2022: € 136,383 First fiscal year in the series	€ 117,855 Total debts 2023: € 117,855 ▼ 14% vs 2022 (€ 136,383) Favourable step	€ 124,462 Total debts 2024: € 124,462 ▲ 6% vs 2023 (€ 117,855) Unfavourable step	€ 1,858,366 Total debts 2025: € 1,858,366 ▲ € 1.7 million vs 2024 (€ 124,462) Unfavourable step	▲ € 1.7 million
Cash	€ 26,306 Cash 2022: € 26,306 First fiscal year in the series	€ 17,311 Cash 2023: € 17,311 ▼ 34% vs 2022 (€ 26,306) Unfavourable step	€ 9,139 Cash 2024: € 9,139 ▼ 47% vs 2023 (€ 17,311) Unfavourable step	€ 27,163 Cash 2025: € 27,163 ▲ 197% vs 2024 (€ 9,139) Favourable step	▲ 197%
Land & buildings	€ 89,329 Land & buildings 2022: € 89,329 First fiscal year in the series	€ 76,805 Land & buildings 2023: € 76,805 ▼ 14% vs 2022 (€ 89,329) Unchanged	€ 64,281 Land & buildings 2024: € 64,281 ▼ 16% vs 2023 (€ 76,805) Unchanged	€ 51,756 Land & buildings 2025: € 51,756 ▼ 19% vs 2024 (€ 64,281) Unchanged	▼ 19%
Retained profit	€ 42,325 Retained profit 2022: € 42,325 First fiscal year in the series	€ 47,069 Retained profit 2023: € 47,069 ▲ 11% vs 2022 (€ 42,325) Favourable step	€ 62,395 Retained profit 2024: € 62,395 ▲ 33% vs 2023 (€ 47,069) Favourable step	€ 5,594 Retained profit 2025: € 5,594 ▼ 91% vs 2024 (€ 62,395) Unfavourable step	▼ 91%
Bank debt	€ 77,583 Bank debt 2022: € 77,583 First fiscal year in the series	€ 68,083 Bank debt 2023: € 68,083 ▼ 12% vs 2022 (€ 77,583) Favourable step	€ 59,774 Bank debt 2024: € 59,774 ▼ 12% vs 2023 (€ 68,083) Favourable step	€ 1,799,585 Bank debt 2025: € 1,799,585 ▲ € 1.7 million vs 2024 (€ 59,774) Unfavourable step	▲ € 1.7 million
Balance sheet total	€ 184,908 Balance sheet total 2022: € 184,908 First fiscal year in the series	€ 171,123 Balance sheet total 2023: € 171,123 ▼ 7% vs 2022 (€ 184,908) Unchanged	€ 193,057 Balance sheet total 2024: € 193,057 ▲ 13% vs 2023 (€ 171,123) Unchanged	€ 1,870,160 Balance sheet total 2025: € 1,870,160 ▲ € 1.7 million vs 2024 (€ 193,057) Unchanged	▲ € 1.7 million
Employees (FTE)	3.8 Employees (FTE) 2022: 3.8 First fiscal year in the series	-	-	-

Key figures of Impactum Insurance, 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 Impactum Insurance?

What happened at Impactum Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 22, 2026 New annual accounts for financial year 2025: loss of € 56,800 (▼ € 72,127 vs 2024). Source: NBB ↗
Feb 6, 2026 New establishment in Zandhoven. KBO
May 18, 2015 New establishment in Sint-Katelijne-Waver. KBO
May 18, 2015 Start of the company according to the CBE. KBO

In short

From € 284 profit in 2022 to € 56,800 loss in 2025.

Paid € 24,299 in corporate taxes since 2022.

Best year ever: 2024, with € 15,326 profit.

On average € 106,100 of value added per employee in 2022.

Original PDFs at the National Bank ↗

Management

MAX Invest 89.3%

The stake of MAX Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Impactum Insurance

Lagimo 100%

Behind Impactum Insurance are Leo De Cat, Max Invest BV, Zakenkantoor Cools BV and Christophe Cools. The shares are held by MAX Invest (89.3%). It owns 100% of Lagimo itself.

Directors

According to the 2025 annual accounts

Leo De Cat

Director

Also active at: Lagimo, MAX Invest, LAGIMO FINANCE

Max Invest BV

Director

Also active at: LAGIMO FINANCE

Zakenkantoor Cools BV

Director

Christophe Cools

Director

Also active at: ZAKENKANTOOR COOLS, LAGIMO FINANCE

Shareholders

MAX Invest

89.3%

Participations

Lagimo

100%

Establishments

Establishment units

Physical locations of this company

Registered office

Markt 33

2860 Sint-Katelijne-Waver

2.385.258.605

Amelbergastraat 12

2240 Zandhoven

Active since 6 February 2026

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

ZAKENKANTOOR COOLS same network

€ 10,342 gross margin · 2025

Cools-Max Invest

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0630.661.732

VAT number

BE 0630.661.732

Registered office

Markt 33, 2860 Sint-Katelijne-Waver

Names & denominations

Impactum Insurance

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

18 May 2015

Peppol

Active · Active since 19 Aug 2025

Activities · NACE

Agenten en makelaars in bankdiensten

Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗

Impactum Insurance

Warning lights

Financials

What happened to Impactum Insurance?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions