Financials
Financial year 2024
Vandekerckhove-Smets Verzekeringen from Bredene, company number BE0740848386, closed financial year 2024 with a result of € 7,239 after tax. For that financial year Vandekerckhove-Smets Verzekeringen recorded a gross margin of € 249,732 and equity of € 197,728. Compared with financial year 2023, the result moved from € 16,628 to € 7,239. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 14, 2025.
€ 197,728
▲ 4% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,239
▼ 56% vs 2023
Profit after tax over the fiscal year.
€ 25,989
▲ 163% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 192,728.
People and assets in 2024
€ 176,160
▼ 5% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 7,840
▼ 55% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 129,150
▼ 17% vs 2023
€ 19,227 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 105,244
▼ 25% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 23,215
▼ 3% vs 2023
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 →
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 282,741 | € 218,359 | € 265,851 | € 249,732 | ▼ 6% |
| Profit after taxes | € 63,224 | € -3,666 | € 16,628 | € 7,239 | ▼ 56% |
| Equity | € 177,527 | € 173,861 | € 190,489 | € 197,728 | ▲ 4% |
| Total debts | € 643,711 | € 347,382 | € 320,336 | € 258,443 | ▼ 19% |
| Cash | € 400,936 | € 13,864 | € 9,882 | € 25,989 | ▲ 163% |
| Land & buildings | - | € 212,198 | € 204,568 | € 192,646 | ▼ 6% |
| Retained profit | € 172,527 | € 168,861 | € 185,489 | € 192,728 | ▲ 4% |
| Dividend | € 1,500 | € 0 | € 0 | € 0 | |
| Bank debt | € 207,512 | € 181,644 | € 155,524 | € 129,150 | ▼ 17% |
| Balance sheet total | € 821,238 | € 521,243 | € 510,824 | € 456,171 | ▼ 11% |
Key figures of Vandekerckhove-Smets Verzekeringen, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to Vandekerckhove-Smets Verzekeringen?
What happened at Vandekerckhove-Smets Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 7,239 (▼ 56% vs 2023). filed late Source: NBB ↗
- New establishment in Bredene. KBO
- Start of the company according to the CBE. KBO
In short
From € 63,224 profit in 2021 to € 7,239 profit in 2024.
Paid € 30,428 in corporate taxes since 2021.
Best year ever: 2021, with € 63,224 profit.
Paid out € 1,500 in dividends to the owners in total.
A new publication or filing at Vandekerckhove-Smets Verzekeringen? We notify you, reason included.
Follow Vandekerckhove-Smets VerzekeringenDatabakkes 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 Vandekerckhove-Smets Verzekeringen are Kris Smets and Dirk Vandekerckhove. Dirk Vandekerckhove is also behind Vandekerckhove-Smets & Partners.
Directors
According to the 2024 annual accounts
Kris Smets
Director
Establishments
Establishment units
Physical locations of this company
Driftweg 3
8450 Bredene
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.
Details
- Company number
- 0740.848.386
- VAT number
- BE 0740.848.386
- Registered office
- Driftweg 3, 8450 Bredene
- Names & denominations
- Vandekerckhove-Smets Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 2020
- Peppol
- Active · Active since 5 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars