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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Tight liquidity NBB
Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Z-Verzekeringen from Zottegem, company number BE0658787673, closed financial year 2025 with a result of € 340,764 after tax. For that financial year Z-Verzekeringen recorded a gross margin of € 669,456 and equity of € 187,086. Compared with financial year 2024, the result moved from € 369,503 to € 340,764. 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 30, 2026.
€ 187,086
▼ 40% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 340,764
▼ 8% vs 2024
Profit after tax over the fiscal year.
€ 258,907
▲ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 464,992 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 144,588
▲ 50% 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.
€ 3,083
▼ 71% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 89,407
▼ 49% vs 2024
€ 74,153 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 9,972
▼ 62% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 16,874
▼ 39% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 469,243 | € 571,064 | € 637,660 | € 669,456 | ▲ 5% |
| Profit after taxes | € 177,281 | € 238,267 | € 369,503 | € 340,764 | ▼ 8% |
| Equity | € 511,553 | € 422,494 | € 311,313 | € 187,086 | ▼ 40% |
| Total debts | € 558,121 | € 519,631 | € 597,896 | € 758,818 | ▲ 27% |
| Cash | € 636,460 | € 133,786 | € 232,248 | € 258,907 | ▲ 11% |
| Land & buildings | € 182,121 | € 344,717 | € 543,812 | € 564,820 | ▲ 4% |
| Retained profit | € 492,953 | € 403,894 | € 292,713 | € 168,486 | ▼ 42% |
| Dividend | € 177,281 | € 327,326 | € 480,683 | € 464,992 | ▼ 3% |
| Bank debt | € 341,134 | € 257,761 | € 173,860 | € 89,407 | ▼ 49% |
| Balance sheet total | € 1,069,674 | € 942,125 | € 909,209 | € 945,904 | ▲ 4% |
Key figures of Z-Verzekeringen, 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 Z-Verzekeringen?
What happened at Z-Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 340,764 (▼ 8% vs 2024). Source: NBB ↗
- New establishment in Zwalm. KBO
- New establishment in Zottegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 177,281 profit in 2022 to € 340,764 profit in 2025.
Paid € 343,535 in corporate taxes since 2022.
Best year ever: 2024, with € 369,503 profit.
Paid out € 1.5 million in dividends to the owners in total.
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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 Z-Verzekeringen are Kris Van Audenhove and FILIP DE NAEYER.
Directors
According to the 2025 annual accounts
Kris Van Audenhove
Director
FILIP DE NAEYER
Director
Establishments
Establishment units
Physical locations of this company
Langestraat 35 box 1
9620 Zottegem
Zuidlaan(Munk) 41 box b0001
9630 Zwalm
Active since 11 August 2016
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
DNS
Cloudflare DNS
Domain
Domain
z-verzekeringen.be
Registered
2019-06-14
Website info
Features
Security
Details
- Company number
- 0658.787.673
- VAT number
- BE 0658.787.673
- Registered office
- Langestraat 35 bus 1, 9620 Zottegem
- Names & denominations
- Z-Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 July 2016
- Peppol
- Active · Active since 7 Nov 2025
- Contact
- z-verzekeringen.be
- Activities · NACE
Rechtstreekse verzekeringsverrichtingen niet-leven