Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
Financials
Financial year 2025
Beluga Insurance Solutions from Kraainem, company number BE0738680041, closed financial year 2025 with a result of € 43,852 after tax. For that financial year Beluga Insurance Solutions recorded a gross margin of € 126,684 and equity of € -119,661. Compared with financial year 2024, the result moved from € -136,472 to € 43,852. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ -119,661
▲ € 43,852 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 43,852
▲ still € 136,472 loss in 2024
Profit after tax over the fiscal year.
€ 227,365
▼ 3% 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 € -271,161.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 65,982
▲ 2% vs 2024
€ 66,000 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.
€ 417
▼ 68% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1,199
▲ 189% vs 2024
Loans from banks and other lenders, long and short.
€ 668,183
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,982
▲ 43% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -15,904 | € -91,125 | € -61,124 | € 126,684 | ▲ € 187,807 |
| Profit after taxes | € -17,297 | € -109,140 | € -136,472 | € 43,852 | ▲ € 180,324 |
| Equity | € 82,099 | € -27,041 | € -163,513 | € -119,661 | ▲ € 43,852 |
| Total debts | € 316,489 | € 552,703 | € 714,102 | € 1,000,332 | ▲ 40% |
| Cash | € 187,932 | € 177,175 | € 233,475 | € 227,365 | ▼ 3% |
| Retained profit | € -69,401 | € -178,541 | € -315,013 | € -271,161 | ▲ € 43,852 |
| Bank debt | € 0 | € 0 | € 415 | € 1,199 | ▲ 189% |
| Balance sheet total | € 398,588 | € 525,663 | € 550,590 | € 880,671 | ▲ 60% |
| Employees (FTE) | - | - | - | 1 |
Key figures of Beluga Insurance Solutions, 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 Beluga Insurance Solutions?
What happened at Beluga Insurance Solutions in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 43,852. Source: NBB ↗
- New establishment in Machelen (Brab.). KBO
- Start of the company according to the CBE. KBO
In short
From € 17,297 loss in 2022 to € 43,852 profit in 2025.
Paid € 489 in corporate taxes since 2022.
Best year ever: 2025, with € 43,852 profit.
On average € 126,700 of value added per employee in 2025.
A new publication or filing at Beluga Insurance Solutions? 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 United Underwriters comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Beluga Insurance SolutionsBehind Beluga Insurance Solutions are David Preneel and Federico Shaw. The shares are held by United Underwriters (100%).
Directors
According to the 2025 annual accounts
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Steenweg op Mechelen 455 box 9
1950 Kraainem
Pegasuslaan 5
1831 Machelen (Brab.)
Active since 3 December 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
- 0738.680.041
- VAT number
- BE 0738.680.041
- Registered office
- Steenweg op Mechelen 455 bus 9, 1950 Kraainem
- Names & denominations
- Beluga Insurance Solutions · Beluga
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 December 2019
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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