What does Krediet- en Verzekeringswynkel do?

Krediet- en Verzekeringswynkel is an insurance broker in Merelbeke-Melle. Private Limited, started on 23 January 2020, 3 establishments.

What is the address of Krediet- en Verzekeringswynkel?

The registered office of Krediet- en Verzekeringswynkel is located at Hundelgemsesteenweg 230, 9820 Merelbeke-Melle.

Is Krediet- en Verzekeringswynkel still active?

Yes. According to the CBE (30 October 2026) Krediet- en Verzekeringswynkel is active, legal situation “Normale toestand”, started on 23 January 2020.

Is Krediet- en Verzekeringswynkel registered on Peppol?

Yes, Krediet- en Verzekeringswynkel is registered on the Peppol network with ID 0208:0741956265.

What is the enterprise number of Krediet- en Verzekeringswynkel?

The enterprise number of Krediet- en Verzekeringswynkel is BE0741956265.

When was Krediet- en Verzekeringswynkel founded?

Krediet- en Verzekeringswynkel was founded on 23 January 2020.

Who are the directors of Krediet- en Verzekeringswynkel?

According to the 2025 annual accounts, the directors of Krediet- en Verzekeringswynkel are: KUNN MANAGEMENT BV, FINE CAPITAL MANAGEMENT BV.

Is Krediet- en Verzekeringswynkel a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 January 2020; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account; 3 establishments in the CBE.

How much profit did Krediet- en Verzekeringswynkel make in 2025?

Krediet- en Verzekeringswynkel posted a profit after taxes of € 154,667 in financial year 2025.

What is the revenue of Krediet- en Verzekeringswynkel?

As a small company, Krediet- en Verzekeringswynkel is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 643,693.

How much does an employee at Krediet- en Verzekeringswynkel earn?

The average wage cost per full-time employee at Krediet- en Verzekeringswynkel was € 71,200 in 2025: staff costs of € 327,404 for 4.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Krediet- en Verzekeringswynkel have?

According to the 2025 annual accounts, Krediet- en Verzekeringswynkel has 4.6 full-time equivalents (FTE).

Krediet- en Verzekeringswynkel (Private Limited)

Dossier Krediet- en Verzekeringswynkel, printed on 30 October 2026 from databakkes.be/en/0741956265/krediet-en-verzekeringswynkel. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Krediet- en Verzekeringswynkel from Merelbeke-Melle, company number BE0741956265, closed financial year 2025 with a result of € 154,667 after tax. For that financial year Krediet- en Verzekeringswynkel recorded a gross margin of € 643,693 and equity of € 253,977. Compared with financial year 2024, the result moved from € 23,193 to € 154,667. Profitable, and profit is growing. 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 July 29, 2026.

What it is worth Growing

€ 253,977

▲ 156% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 154,667

▲ € 131,474 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 66,119

▲ 176% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 243,977.

People and assets in 2025

Full-time equivalents

4.6

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 327,404

▲ 16% vs 2024

€ 71,200 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.

Vehicles and equipment

€ 37,612

▲ € 31,757 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 41,422

▼ 13% vs 2024

€ 14,347 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 42,378

▼ 48% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 85,847

▲ 16% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 360,154 Gross margin 2022: € 360,154 First fiscal year in the series	€ 379,434 Gross margin 2023: € 379,434 ▲ 5% vs 2022 (€ 360,154) Favourable step	€ 413,573 Gross margin 2024: € 413,573 ▲ 9% vs 2023 (€ 379,434) Favourable step	€ 643,693 Gross margin 2025: € 643,693 ▲ 56% vs 2024 (€ 413,573) Favourable step	▲ 56%
Profit after taxes	€ 56,184 Profit after taxes 2022: € 56,184 First fiscal year in the series	€ 9,934 Profit after taxes 2023: € 9,934 ▼ 82% vs 2022 (€ 56,184) Unfavourable step	€ 23,193 Profit after taxes 2024: € 23,193 ▲ 133% vs 2023 (€ 9,934) Favourable step	€ 154,667 Profit after taxes 2025: € 154,667 ▲ € 131,474 vs 2024 (€ 23,193) Favourable step	▲ € 131,474
Equity	€ 66,184 Equity 2022: € 66,184 First fiscal year in the series	€ 76,118 Equity 2023: € 76,118 ▲ 15% vs 2022 (€ 66,184) Favourable step	€ 99,310 Equity 2024: € 99,310 ▲ 30% vs 2023 (€ 76,118) Favourable step	€ 253,977 Equity 2025: € 253,977 ▲ 156% vs 2024 (€ 99,310) Favourable step	▲ 156%
Total debts	€ 581,610 Total debts 2022: € 581,610 First fiscal year in the series	€ 566,379 Total debts 2023: € 566,379 ▼ 3% vs 2022 (€ 581,610) Favourable step	€ 505,948 Total debts 2024: € 505,948 ▼ 11% vs 2023 (€ 566,379) Favourable step	€ 464,458 Total debts 2025: € 464,458 ▼ 8% vs 2024 (€ 505,948) Favourable step	▼ 8%
Cash	€ 41,490 Cash 2022: € 41,490 First fiscal year in the series	€ 21,109 Cash 2023: € 21,109 ▼ 49% vs 2022 (€ 41,490) Unfavourable step	€ 23,979 Cash 2024: € 23,979 ▲ 14% vs 2023 (€ 21,109) Favourable step	€ 66,119 Cash 2025: € 66,119 ▲ 176% vs 2024 (€ 23,979) Favourable step	▲ 176%
Retained profit	€ 56,184 Retained profit 2022: € 56,184 First fiscal year in the series	€ 66,118 Retained profit 2023: € 66,118 ▲ 18% vs 2022 (€ 56,184) Favourable step	€ 89,310 Retained profit 2024: € 89,310 ▲ 35% vs 2023 (€ 66,118) Favourable step	€ 243,977 Retained profit 2025: € 243,977 ▲ 173% vs 2024 (€ 89,310) Favourable step	▲ 173%
Dividend	€ 143,614 Dividend 2022: € 143,614 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 143,614) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2025: € 0 Unchanged (€ 0) Unchanged
Bank debt	€ 127,707 Bank debt 2022: € 127,707 First fiscal year in the series	€ 87,771 Bank debt 2023: € 87,771 ▼ 31% vs 2022 (€ 127,707) Favourable step	€ 47,476 Bank debt 2024: € 47,476 ▼ 46% vs 2023 (€ 87,771) Favourable step	€ 41,422 Bank debt 2025: € 41,422 ▼ 13% vs 2024 (€ 47,476) Favourable step	▼ 13%
Balance sheet total	€ 647,794 Balance sheet total 2022: € 647,794 First fiscal year in the series	€ 642,497 Balance sheet total 2023: € 642,497 ▼ 1% vs 2022 (€ 647,794) Unchanged	€ 605,258 Balance sheet total 2024: € 605,258 ▼ 6% vs 2023 (€ 642,497) Unchanged	€ 718,435 Balance sheet total 2025: € 718,435 ▲ 19% vs 2024 (€ 605,258) Unchanged	▲ 19%
Employees (FTE)	-	3.8 Employees (FTE) 2023: 3.8 First fiscal year in the series	-	4.6 Employees (FTE) 2025: 4.6 First fiscal year in the series

Key figures of Krediet- en Verzekeringswynkel, 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 Krediet- en Verzekeringswynkel?

What happened at Krediet- en Verzekeringswynkel in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 29, 2026 New annual accounts for financial year 2025: profit of € 154,667 (▲ € 131,474 vs 2024). Source: NBB ↗
2023 KUNN MANAGEMENT BV became a director. NBB
2023 FINE CAPITAL MANAGEMENT BV became a director. NBB
Jun 1, 2022 New establishment in Gent. KBO
Nov 22, 2021 New establishment in Kuurne. KBO
Apr 1, 2020 New establishment in Merelbeke-Melle. KBO
Jan 23, 2020 Start of the company according to the CBE. KBO

In short

From € 56,184 profit in 2022 to € 154,667 profit in 2025.

Paid € 124,472 in corporate taxes since 2022.

Best year ever: 2025, with € 154,667 profit.

On average € 139,900 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

FINE CAPITAL MANAGEMENT

Kunn Management

Altus Invest

The stake of FINE CAPITAL MANAGEMENT, Kunn Management, Altus Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Krediet- en Verzekeringswynkel

CREDIT WORLD 100%

Behind Krediet- en Verzekeringswynkel are KUNN MANAGEMENT BV and FINE CAPITAL MANAGEMENT BV. The shares are held by FINE CAPITAL MANAGEMENT, Kunn Management and Altus Invest. It owns 100% of CREDIT WORLD itself.

Directors

According to the 2025 annual accounts

KUNN MANAGEMENT BV

Bestuurder · represented by Eric VAN de WYNKELE

since 2023

FINE CAPITAL MANAGEMENT BV

Bestuurder · represented by Filip ROGIERS

since 2023

Shareholders

FINE CAPITAL MANAGEMENT

Kunn Management

Altus Invest

Participations

CREDIT WORLD

100%

Establishments

Establishment units

Physical locations of this company

Registered office

Hundelgemsesteenweg 230

9820 Merelbeke-Melle

2.324.275.297

Brugsesteenweg 156

8520 Kuurne

Active since 22 November 2021

2.332.137.247

Dendermondsesteenweg 248 box GV

9040 Gent

Active since 1 June 2022

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.

All companies at this address →

TITANS

€ 52,116 gross margin · 2025

Credit World same network

€ 19,395 gross margin · 2025

Groep Krediet- en Verzekeringswynkel

EDUFISC

€ 26,382 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0741.956.265

VAT number

BE 0741.956.265

Registered office

Hundelgemsesteenweg 230, 9820 Merelbeke-Melle

Names & denominations

Krediet- en Verzekeringswynkel

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

23 January 2020

Peppol

Active · Active since 31 Mar 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

View on CBE Public ↗ Annual accounts (NBB) ↗

Krediet- en Verzekeringswynkel

Financials

What happened to Krediet- en Verzekeringswynkel?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions