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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
K.L. Insurance Consulting from Vilvoorde, company number BE0655687930, closed financial year 2025 with a result of € 36,373 after tax. For that financial year K.L. Insurance Consulting recorded a gross margin of € 143,969 and equity of € 100,089. Compared with financial year 2024, the result moved from € 22,621 to € 36,373. 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 January 30, 2026.
€ 100,089
▲ 57% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 36,373
▲ 61% vs 2024
Profit after tax over the fiscal year.
€ 31,950
▲ 25% 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 € 81,489.
People and assets in 2025
1.5
▲ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 63,494
▲ 61% vs 2024
€ 42,300 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.
€ 14,092
▼ 34% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 171,930
▼ 19% vs 2024
€ 25,870 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 1,516
▼ 79% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,920
▲ 3% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 47,921 | € 67,925 | € 100,052 | € 143,969 | ▲ 44% |
| Profit after taxes | € 4,728 | € 17,887 | € 22,621 | € 36,373 | ▲ 61% |
| Equity | € 23,204 | € 41,096 | € 63,717 | € 100,089 | ▲ 57% |
| Total debts | € 234,517 | € 260,079 | € 246,725 | € 204,116 | ▼ 17% |
| Cash | € 18,340 | € 25,226 | € 25,622 | € 31,950 | ▲ 25% |
| Retained profit | € 4,604 | € 22,496 | € 45,117 | € 81,489 | ▲ 81% |
| Bank debt | € 221,050 | € 238,414 | € 212,040 | € 171,930 | ▼ 19% |
| Balance sheet total | € 257,721 | € 301,175 | € 310,442 | € 304,206 | ▼ 2% |
| Employees (FTE) | 1 | 1 | 1 | 1.5 | ▲ 0.5 |
Key figures of K.L. Insurance Consulting, 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 K.L. Insurance Consulting?
What happened at K.L. Insurance Consulting in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 36,373 (▲ 61% vs 2024). Source: NBB ↗
- Oscar Luyckx stepped down as director. NBB
- New establishment in Vilvoorde. KBO
- Kurt LUYCKX became a director. NBB
- Oscar Luyckx became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 4,728 profit in 2022 to € 36,373 profit in 2025.
Paid € 43,662 in corporate taxes since 2022.
Best year ever: 2025, with € 36,373 profit.
On average € 96,000 of value added per employee in 2025.
A new publication or filing at K.L. Insurance Consulting? 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 K.L. Insurance Consulting is Kurt LUYCKX.
Directors
According to the 2025 annual accounts
Kurt LUYCKX
Director
since 2016
Oscar Luyckx
Director
since 2016 · until 2022
Establishments
Establishment units
Physical locations of this company
Vissersstraat 12
1800 Vilvoorde
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0655.687.930
- VAT number
- BE 0655.687.930
- Registered office
- Vissersstraat 12, 1800 Vilvoorde
- Names & denominations
- K.L. Insurance Consulting
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 May 2016
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars