What does OCTAVIO do?

OCTAVIO is an insurance broker in Sint-Martens-Latem. Private Limited, started on 23 June 2016, 1 establishment.

What is the address of OCTAVIO?

The registered office of OCTAVIO is located at Kortrijksesteenweg 57 box 2, 9830 Sint-Martens-Latem.

Is OCTAVIO still active?

Yes. According to the CBE (16 September 2026) OCTAVIO is active, legal situation “Normale toestand”, started on 23 June 2016.

Is OCTAVIO registered on Peppol?

Yes, OCTAVIO is registered on the Peppol network with ID 0208:0656909437.

What is the enterprise number of OCTAVIO?

The enterprise number of OCTAVIO is BE0656909437.

When was OCTAVIO founded?

OCTAVIO was founded on 23 June 2016.

Is OCTAVIO a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 June 2016; 5 annual accounts filed, latest fiscal year 2025; 8 directors known from the annual account.

How much profit did OCTAVIO make in 2025?

OCTAVIO posted a profit after taxes of € 14,840 in financial year 2025.

What is the revenue of OCTAVIO?

As a small company, OCTAVIO is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 808,588.

How much does an employee at OCTAVIO earn?

The average wage cost per full-time employee at OCTAVIO was € 81,800 in 2025: staff costs of € 629,925 for 7.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does OCTAVIO have?

According to the 2025 annual accounts, OCTAVIO has 7.7 full-time equivalents (FTE).

OCTAVIO (Private Limited) - Sint-Martens-Latem

Q: Who are the directors of OCTAVIO?

According to the 2025 annual accounts, the directors of OCTAVIO are: RISKCARE BV, DIETER DE MILDE, PETER MAGHERMAN, RUBEN KUPPENS, JOACHIM VERMEERSCH, STEFAN MAERTEN, PIETER HANSSENS, RIK OOST.

Dossier OCTAVIO, printed on 16 September 2026 from databakkes.be/en/0656909437/octavio. 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 38 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

OCTAVIO from Sint-Martens-Latem, company number BE0656909437, closed financial year 2025 with a result of € 14,840 after tax. For that financial year OCTAVIO recorded a gross margin of € 808,588 and equity of € 312,196. Compared with financial year 2024, the result moved from € 107,393 to € 14,840. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 25, 2026.

What it is worth Healthy

€ 312,196

▼ 42% vs 2024

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

Profit Healthy

€ 14,840

▼ 86% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 15,554

▼ 30% vs 2024

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

Where the profit goes Pays out

€ 243,845 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

7.7

▲ 1.1 vs 2024

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

Wage cost

€ 629,925

▲ 22% vs 2024

€ 81,800 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

€ 28,475

▼ 24% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 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.

€ 705,812

▲ 85% vs 2024

€ 135,466 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 282,244

▼ 35% vs 2024

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

Taxes and wages

€ 100,343

▲ 35% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 471,728 Gross margin 2022: € 471,728 First fiscal year in the series	€ 548,923 Gross margin 2023: € 548,923 ▲ 16% vs 2022 (€ 471,728) Favourable step	€ 790,518 Gross margin 2024: € 790,518 ▲ 44% vs 2023 (€ 548,923) Favourable step	€ 808,588 Gross margin 2025: € 808,588 ▲ 2% vs 2024 (€ 790,518) Favourable step	▲ 2%
Profit after taxes	€ 4,117 Profit after taxes 2022: € 4,117 First fiscal year in the series	€ -50,523 Profit after taxes 2023: € -50,523 ▼ € 54,640 vs 2022 (€ 4,117) Unfavourable step	€ 107,393 Profit after taxes 2024: € 107,393 ▲ € 157,916 vs 2023 (€ -50,523) Favourable step	€ 14,840 Profit after taxes 2025: € 14,840 ▼ 86% vs 2024 (€ 107,393) Unfavourable step	▼ 86%
Equity	€ 511,873 Equity 2022: € 511,873 First fiscal year in the series	€ 433,808 Equity 2023: € 433,808 ▼ 15% vs 2022 (€ 511,873) Unfavourable step	€ 541,201 Equity 2024: € 541,201 ▲ 25% vs 2023 (€ 433,808) Favourable step	€ 312,196 Equity 2025: € 312,196 ▼ 42% vs 2024 (€ 541,201) Unfavourable step	▼ 42%
Total debts	€ 1,078,738 Total debts 2022: € 1,078,738 First fiscal year in the series	€ 1,010,473 Total debts 2023: € 1,010,473 ▼ 6% vs 2022 (€ 1,078,738) Favourable step	€ 886,219 Total debts 2024: € 886,219 ▼ 12% vs 2023 (€ 1,010,473) Favourable step	€ 1,088,400 Total debts 2025: € 1,088,400 ▲ 23% vs 2024 (€ 886,219) Unfavourable step	▲ 23%
Cash	€ 129,007 Cash 2022: € 129,007 First fiscal year in the series	€ 9,265 Cash 2023: € 9,265 ▼ 93% vs 2022 (€ 129,007) Unfavourable step	€ 22,288 Cash 2024: € 22,288 ▲ 141% vs 2023 (€ 9,265) Favourable step	€ 15,554 Cash 2025: € 15,554 ▼ 30% vs 2024 (€ 22,288) Unfavourable step	▼ 30%
Retained profit	€ 487,873 Retained profit 2022: € 487,873 First fiscal year in the series	€ 410,596 Retained profit 2023: € 410,596 ▼ 16% vs 2022 (€ 487,873) Unfavourable step	€ 517,989 Retained profit 2024: € 517,989 ▲ 26% vs 2023 (€ 410,596) Favourable step	€ 288,984 Retained profit 2025: € 288,984 ▼ 44% vs 2024 (€ 517,989) Unfavourable step	▼ 44%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 16,012 Dividend 2023: € 16,012 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 16,012) Unchanged	€ 243,845 Dividend 2025: € 243,845 Unchanged (€ 0) Unchanged
Bank debt	€ 204,599 Bank debt 2022: € 204,599 First fiscal year in the series	€ 266,991 Bank debt 2023: € 266,991 ▲ 30% vs 2022 (€ 204,599) Unfavourable step	€ 380,680 Bank debt 2024: € 380,680 ▲ 43% vs 2023 (€ 266,991) Unfavourable step	€ 705,812 Bank debt 2025: € 705,812 ▲ 85% vs 2024 (€ 380,680) Unfavourable step	▲ 85%
Balance sheet total	€ 1,590,610 Balance sheet total 2022: € 1,590,610 First fiscal year in the series	€ 1,444,281 Balance sheet total 2023: € 1,444,281 ▼ 9% vs 2022 (€ 1,590,610) Unchanged	€ 1,427,420 Balance sheet total 2024: € 1,427,420 ▼ 1% vs 2023 (€ 1,444,281) Unchanged	€ 1,400,596 Balance sheet total 2025: € 1,400,596 ▼ 2% vs 2024 (€ 1,427,420) Unchanged	▼ 2%
Employees (FTE)	4.7 Employees (FTE) 2022: 4.7 First fiscal year in the series	6.1 Employees (FTE) 2023: 6.1 ▲ 1.4 vs 2022 (4.7) Unchanged	6.6 Employees (FTE) 2024: 6.6 ▲ 0.5 vs 2023 (6.1) Unchanged	7.7 Employees (FTE) 2025: 7.7 ▲ 1.1 vs 2024 (6.6) Unchanged	▲ 1.1

Key figures of OCTAVIO, 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 OCTAVIO?

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

Jun 25, 2026 New annual accounts for financial year 2025: profit of € 14,840 (▼ 86% vs 2024). Source: NBB ↗
2026 RISKCARE BV became a director. NBB
2026 PIETER HANSSENS stepped down as director. NBB
2025 RIK OOST stepped down as director. NBB
2025 STEFAN MAERTEN stepped down as director. NBB
Sep 12, 2016 New establishment in Sint-Martens-Latem. KBO
Jun 23, 2016 Start of the company according to the CBE. KBO

In short

From € 4,117 profit in 2022 to € 14,840 profit in 2025.

Paid € 59,110 in corporate taxes since 2022.

Best year ever: 2024, with € 107,393 profit.

On average € 105,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

A new publication or filing at OCTAVIO? We notify you, reason included.

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My folder 3 companies

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%

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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

Real filings at the National Bank

Management

DDMCO 7.8%

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

OCTAVIO

SERTAS 100%

Behind OCTAVIO are RISKCARE BV, DIETER DE MILDE, PETER MAGHERMAN, RUBEN KUPPENS and JOACHIM VERMEERSCH. The shares are held by DDMCO (7.8%). It owns 100% of SERTAS itself.

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