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 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Verzekeringen Holtof & Partners from Maasmechelen, company number BE0728916891, closed financial year 2025 with a result of € 143,277 after tax. For that financial year Verzekeringen Holtof & Partners recorded a gross margin of € 308,609 and equity of € 38,277. Compared with financial year 2024, the result moved from € 113,478 to € 143,277. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 1, 2026.
€ 38,277
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 143,277
▲ 26% vs 2024
Profit after tax over the fiscal year.
€ 94,417
▼ 36% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 145,546 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 50,796
▲ 6% 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.
€ 7,538
▼ 53% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 297,027
▼ 14% vs 2024
€ 48,837 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 3,166
▲ 27% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,163
▼ 51% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 176,816 | € 221,045 | € 260,800 | € 308,609 | ▲ 18% |
| Profit after taxes | € 57,909 | € 88,905 | € 113,478 | € 143,277 | ▲ 26% |
| Equity | € 156,162 | € 173,067 | € 40,546 | € 38,277 | ▼ 6% |
| Total debts | € 485,768 | € 420,829 | € 474,743 | € 438,356 | ▼ 8% |
| Cash | € 188,413 | € 95,679 | € 146,612 | € 94,417 | ▼ 36% |
| Land & buildings | € 176,456 | € 167,956 | € 159,456 | € 150,956 | ▼ 5% |
| Retained profit | € 136,162 | € 153,067 | € 20,546 | € 18,277 | ▼ 11% |
| Dividend | € 0 | € 72,000 | € 246,000 | € 145,546 | ▼ 41% |
| Bank debt | € 440,355 | € 393,097 | € 345,331 | € 297,027 | ▼ 14% |
| Balance sheet total | € 641,930 | € 593,896 | € 515,288 | € 476,633 | ▼ 8% |
Key figures of Verzekeringen Holtof & Partners, 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 Verzekeringen Holtof & Partners?
What happened at Verzekeringen Holtof & Partners in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 143,277 (▲ 26% vs 2024). Source: NBB ↗
- New establishment in Maasmechelen. KBO
- Raf Holtof became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 57,909 profit in 2022 to € 143,277 profit in 2025.
Paid € 122,990 in corporate taxes since 2022.
Best year ever: 2025, with € 143,277 profit.
Paid out € 463,546 in dividends to the owners in total.
A new publication or filing at Verzekeringen Holtof & Partners? We notify you, reason included.
Follow Verzekeringen Holtof & PartnersDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 Verzekeringen Holtof & Partners is Raf Holtof.
Directors
According to the 2025 annual accounts
Raf Holtof
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Rijksweg(E-V) 427 box 1
3630 Maasmechelen
Rijksweg(L) 427 box 1
3630 Maasmechelen
Active since 26 June 2019
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0728.916.891
- VAT number
- BE 0728.916.891
- Registered office
- Rijksweg(E-V) 427 bus 1, 3630 Maasmechelen
- Names & denominations
- Verzekeringen Holtof & Partners
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 June 2019
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars