Financials
Financial year 2025
FITRAMA VERZEKERINGEN from Sint-Niklaas, company number BE0713867540, closed financial year 2025 with a result of € 38,190 after tax. For that financial year FITRAMA VERZEKERINGEN recorded a gross margin of € 624,485 and equity of € 123,935. Compared with financial year 2024, the result moved from € 2,339 to € 38,190. 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 July 20, 2026.
€ 123,935
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 38,190
▲ € 35,852 vs 2024
Profit after tax over the fiscal year.
€ 127,498
▲ 108% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 36,281 paid out
95 % of the profit went to the shareholders, mostly to Verzekeringskantoor Van Dessel (60 % of the shares). That is where the money ends up.
People and assets in 2025
4.8
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 377,265
▲ 24% vs 2024
€ 78,600 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.
€ 19,421
▲ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 533,840
▼ 20% vs 2024
€ 146,431 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 25,992
▼ 9% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 55,036
▲ 42% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 442,114 | € 496,262 | € 493,144 | € 624,485 | ▲ 27% |
| Profit after taxes | € 10,453 | € 16,017 | € 2,339 | € 38,190 | ▲ € 35,852 |
| Equity | € 240,670 | € 121,687 | € 122,026 | € 123,935 | ▲ 2% |
| Total debts | € 1,063,074 | € 1,034,630 | € 770,677 | € 666,552 | ▼ 14% |
| Cash | € 234,359 | € 147,188 | € 61,164 | € 127,498 | ▲ 108% |
| Retained profit | € 670 | € 1,687 | € 2,026 | € 3,935 | ▲ 94% |
| Dividend | € 10,000 | € 15,000 | € 2,000 | € 36,281 | ▲ € 34,281 |
| Bank debt | € 943,348 | € 805,809 | € 666,637 | € 533,840 | ▼ 20% |
| Balance sheet total | € 1,303,744 | € 1,156,317 | € 892,702 | € 790,487 | ▼ 11% |
| Employees (FTE) | 3.5 | 3.8 | 4 | 4.8 | ▲ 0.8 |
Key figures of FITRAMA 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 FITRAMA VERZEKERINGEN?
What happened at FITRAMA 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 € 38,190 (▲ € 35,852 vs 2024). Source: NBB ↗
- Tim Verlinden became a director. NBB
- Christiaan Govaerts became a director. NBB
- Filip Frans became a director. NBB
- Tom Lentacker BV stepped down as director. NBB
- Nexfin BV stepped down as director. NBB
- Danny Deyaert stepped down as director. NBB
- Nexfin BV became a director. NBB
In short
From € 10,453 profit in 2022 to € 38,190 profit in 2025.
Paid € 44,746 in corporate taxes since 2022.
Best year ever: 2025, with € 38,190 profit.
On average € 130,100 of value added per employee in 2025.
A new publication or filing at FITRAMA VERZEKERINGEN? 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
The stake of Verzekeringskantoor Van Dessel, WESLEY VAN EYNDE, FITRAMA ADVIES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FITRAMA VERZEKERINGENBehind FITRAMA VERZEKERINGEN are Tim Verlinden, Christiaan Govaerts, Filip Frans, Wesley Van Eynde BV and Gerrit Van Daele. The shares are held by Verzekeringskantoor Van Dessel (60%), WESLEY VAN EYNDE (51.7%) and FITRAMA ADVIES (15%).
Directors
According to the 2025 annual accounts
since 2026
since 2026
since 2026
Managing director · represented by Wesley Van Eynde
Also active at: FITRAMA ADVIES, Soprima
since 2018
Gerrit Van Daele
Director
since 2018
since 2018 · until 2026
Danny Deyaert
Director
since 2020 · until 2025
Director · represented by Sven Van Hove
since 2023 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Knaptandstraat 77
9100 Sint-Niklaas
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
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Email provider
Microsoft 365
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Website info
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Details
- Company number
- 0713.867.540
- VAT number
- BE 0713.867.540
- Registered office
- Knaptandstraat 77, 9100 Sint-Niklaas
- Names & denominations
- FITRAMA VERZEKERINGEN · FITRAMA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 26 November 2018
- Peppol
- Active · Active since 11 Feb 2026
- Contact
- fitrama.be 037601740
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Organisatie van congressen en beurzen