What does AllCover do?

AllCover is an insurance broker in Jabbeke. Private Limited, started on 23 July 2015, 3 establishments.

What is the address of AllCover?

The registered office of AllCover is located at Gistelsteenweg 38, 8490 Jabbeke.

Is AllCover still active?

Yes. According to the CBE (29 October 2026) AllCover is active, legal situation “Normale toestand”, started on 23 July 2015.

Is AllCover registered on Peppol?

Yes, AllCover is registered on the Peppol network with ID 0208:0634579047.

What is the enterprise number of AllCover?

The enterprise number of AllCover is BE0634579047.

When was AllCover founded?

AllCover was founded on 23 July 2015.

Who are the directors of AllCover?

According to the 2025 annual accounts, the directors of AllCover are: PATRICK BONNAERENS, UNA BV, SEREMA BV.

Is AllCover a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 July 2015; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 3 establishments in the CBE.

How much profit did AllCover make in 2025?

AllCover posted a profit after taxes of € 10,701 in financial year 2025.

What is the revenue of AllCover?

As a small company, AllCover is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 2,468,478.

How much does an employee at AllCover earn?

The average wage cost per full-time employee at AllCover was € 85,100 in 2025: staff costs of € 1 million for 12.2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does AllCover have?

According to the 2025 annual accounts, AllCover has 12.2 full-time equivalents (FTE).

Does AllCover have a website?

Yes, AllCover has a website at allcover.biz.

AllCover (Private Limited) - Jabbeke - BE0634579047

Dossier AllCover, printed on 29 October 2026 from databakkes.be/en/0634579047/allcover. 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 15 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

AllCover from Jabbeke, company number BE0634579047, closed financial year 2025 with a result of € 10,701 after tax. For that financial year AllCover recorded a gross margin of € 2.5 million and equity of € 83,909. Compared with financial year 2024, the result moved from € -22,893 to € 10,701. Profitable, and profit is growing. 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 June 29, 2026.

What it is worth Growing

€ 83,909

▲ 15% vs 2024

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

Profit Growing

€ 10,701

▲ still € 22,893 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 154,365

▲ 143% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 80,781.

People and assets in 2025

Full-time equivalents

12.2

▲ 0.5 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 1 million

▲ 20% vs 2024

€ 85,100 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.

Vehicles and equipment

€ 19,152

▲ 3% vs 2024

Of which on lease € 816.

Debts at end 2025

Bank debt

€ 548,383

▼ 83% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 382,729

▲ € 288,666 vs 2024

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

Taxes and wages

€ 132,302

▼ 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	€ 1,809,223 Gross margin 2022: € 1,809,223 First fiscal year in the series	€ 1,828,924 Gross margin 2023: € 1,828,924 ▲ 1% vs 2022 (€ 1,809,223) Favourable step	€ 1,757,732 Gross margin 2024: € 1,757,732 ▼ 4% vs 2023 (€ 1,828,924) Unfavourable step	€ 2,468,478 Gross margin 2025: € 2,468,478 ▲ 40% vs 2024 (€ 1,757,732) Favourable step	▲ 40%
Profit after taxes	€ -2,772 Profit after taxes 2022: € -2,772 First fiscal year in the series	€ 156,441 Profit after taxes 2023: € 156,441 ▲ € 159,213 vs 2022 (€ -2,772) Favourable step	€ -22,893 Profit after taxes 2024: € -22,893 ▼ € 179,334 vs 2023 (€ 156,441) Unfavourable step	€ 10,701 Profit after taxes 2025: € 10,701 ▲ € 33,594 vs 2024 (€ -22,893) Favourable step	▲ € 33,594
Equity	€ 353,443 Equity 2022: € 353,443 First fiscal year in the series	€ 363,796 Equity 2023: € 363,796 ▲ 3% vs 2022 (€ 353,443) Favourable step	€ 73,208 Equity 2024: € 73,208 ▼ 80% vs 2023 (€ 363,796) Unfavourable step	€ 83,909 Equity 2025: € 83,909 ▲ 15% vs 2024 (€ 73,208) Favourable step	▲ 15%
Total debts	€ 5,243,041 Total debts 2022: € 5,243,041 First fiscal year in the series	€ 4,834,736 Total debts 2023: € 4,834,736 ▼ 8% vs 2022 (€ 5,243,041) Favourable step	€ 3,693,919 Total debts 2024: € 3,693,919 ▼ 24% vs 2023 (€ 4,834,736) Favourable step	€ 6,336,687 Total debts 2025: € 6,336,687 ▲ 72% vs 2024 (€ 3,693,919) Unfavourable step	▲ 72%
Cash	€ 90,527 Cash 2022: € 90,527 First fiscal year in the series	€ 56,511 Cash 2023: € 56,511 ▼ 38% vs 2022 (€ 90,527) Unfavourable step	€ 63,583 Cash 2024: € 63,583 ▲ 13% vs 2023 (€ 56,511) Favourable step	€ 154,365 Cash 2025: € 154,365 ▲ 143% vs 2024 (€ 63,583) Favourable step	▲ 143%
Land & buildings	€ 598,051 Land & buildings 2022: € 598,051 First fiscal year in the series	€ 543,117 Land & buildings 2023: € 543,117 ▼ 9% vs 2022 (€ 598,051) Unchanged	€ 16,289 Land & buildings 2024: € 16,289 ▼ 97% vs 2023 (€ 543,117) Unchanged	-
Retained profit	€ 334,843 Retained profit 2022: € 334,843 First fiscal year in the series	€ 345,196 Retained profit 2023: € 345,196 ▲ 3% vs 2022 (€ 334,843) Favourable step	€ 70,080 Retained profit 2024: € 70,080 ▼ 80% vs 2023 (€ 345,196) Unfavourable step	€ 80,781 Retained profit 2025: € 80,781 ▲ 15% vs 2024 (€ 70,080) Favourable step	▲ 15%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 146,088 Dividend 2023: € 146,088 Unchanged (€ 0) Unchanged	€ 123,569 Dividend 2024: € 123,569 ▼ 15% vs 2023 (€ 146,088) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 123,569) Unchanged	▼ 100%
Bank debt	€ 4,877,485 Bank debt 2022: € 4,877,485 First fiscal year in the series	€ 4,300,365 Bank debt 2023: € 4,300,365 ▼ 12% vs 2022 (€ 4,877,485) Favourable step	€ 3,295,457 Bank debt 2024: € 3,295,457 ▼ 23% vs 2023 (€ 4,300,365) Favourable step	€ 548,383 Bank debt 2025: € 548,383 ▼ 83% vs 2024 (€ 3,295,457) Favourable step	▼ 83%
Balance sheet total	€ 5,596,484 Balance sheet total 2022: € 5,596,484 First fiscal year in the series	€ 5,198,532 Balance sheet total 2023: € 5,198,532 ▼ 7% vs 2022 (€ 5,596,484) Unchanged	€ 3,767,127 Balance sheet total 2024: € 3,767,127 ▼ 28% vs 2023 (€ 5,198,532) Unchanged	€ 6,420,596 Balance sheet total 2025: € 6,420,596 ▲ 70% vs 2024 (€ 3,767,127) Unchanged	▲ 70%
Employees (FTE)	12.6 Employees (FTE) 2022: 12.6 First fiscal year in the series	10.1 Employees (FTE) 2023: 10.1 ▼ 2.5 vs 2022 (12.6) Unchanged	11.7 Employees (FTE) 2024: 11.7 ▲ 1.6 vs 2023 (10.1) Unchanged	12.2 Employees (FTE) 2025: 12.2 ▲ 0.5 vs 2024 (11.7) Unchanged	▲ 0.5

Key figures of AllCover, 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 AllCover?

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

Jun 29, 2026 New annual accounts for financial year 2025: profit of € 10,701. Source: NBB ↗
2025 SEREMA BV became a director. NBB
Jan 1, 2025 New establishment in Tielt. KBO
Oct 1, 2022 New establishment in Kortrijk. KBO
Jun 12, 2017 New establishment in Jabbeke. KBO
2015 PATRICK BONNAERENS became a director. NBB
Jul 23, 2015 Start of the company according to the CBE. KBO

In short

From € 2,772 loss in 2022 to € 10,701 profit in 2025.

Paid € 140,725 in corporate taxes since 2022.

Best year ever: 2023, with € 156,441 profit.

On average € 202,300 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Group induver 100%

UNA 50%

The stake of Group induver, UNA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

AllCover

Behind AllCover are PATRICK BONNAERENS, UNA BV and SEREMA BV. The shares are held by Group induver (100%) and UNA (50%).

Directors

According to the 2025 annual accounts

PATRICK BONNAERENS

Persoon belast met dagelijks bestuur

since 2015

UNA BV

Director · represented by Pieter-Jan Lefevere

SEREMA BV

Director · represented by Seppe Sijmons

Also active at: VERZEKERINGEN VANOVERBEKE, Losange - D'Hondt, EWBANK ASSURANCES, Group ASEKURA, VERZEKERINGSKANTOOR JOHAN DESMET, W. HANOT ET FILS, MASLO, DESSY +21 more

since 2025

Shareholders

Group induver

100%

UNA

50%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Gistelsteenweg 38

8490 Jabbeke

2.339.036.917

Markekerkstraat(Mar) 20

8510 Kortrijk

Active since 1 October 2022

2.367.147.220

Meulebeke Plaats 12

8760 Tielt

Active since 1 January 2025

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 →

DI FRANCE INTERNATIONAL

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

Website

HTTPS allcover.biz

Canonical: https://www.groupinduver.be/nl

Technologies

AOSDrupalFathomMatomoNginxPHPVimeo

Hosting & Email

Email provider

Microsoft 365

Hosting

COMBELL-AS, BE

Domain

allcover.biz

Registered

2015-10-09

Registrar

Ascio Technologies, Inc. Danmark - Filial af Ascio technologies, Inc. USA

Website info

HTTPS Ja

Languages EN, FR, NL

Features

Jobs Contact page

Security

✓ HTTPS

✓ SPF

✓ DMARC

Details

Company number

0634.579.047

VAT number

BE 0634.579.047

Registered office

Gistelsteenweg 38, 8490 Jabbeke

Names & denominations

AllCover

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

23 July 2015

Peppol

Active · Active since 27 Mar 2026

Contact

allcover.biz

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Handel in elektriciteit

View on CBE Public ↗ Annual accounts (NBB) ↗

AllCover

Warning lights

Financials

What happened to AllCover?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Website

Technologies

Hosting & Email

Domain

Website info

Features

Security

Details

Frequently asked questions