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.
€ 253,977
▲ 156% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 154,667
▲ € 131,474 vs 2024
Profit after tax over the fiscal year.
€ 66,119
▲ 176% 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 € 243,977.
People and assets in 2025
4.6
Average over the fiscal year, from the social balance sheet.
€ 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.
€ 37,612
▲ € 31,757 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 41,422
▼ 13% vs 2024
€ 14,347 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 42,378
▼ 48% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 85,847
▲ 16% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 360,154 | € 379,434 | € 413,573 | € 643,693 | ▲ 56% |
| Profit after taxes | € 56,184 | € 9,934 | € 23,193 | € 154,667 | ▲ € 131,474 |
| Equity | € 66,184 | € 76,118 | € 99,310 | € 253,977 | ▲ 156% |
| Total debts | € 581,610 | € 566,379 | € 505,948 | € 464,458 | ▼ 8% |
| Cash | € 41,490 | € 21,109 | € 23,979 | € 66,119 | ▲ 176% |
| Retained profit | € 56,184 | € 66,118 | € 89,310 | € 243,977 | ▲ 173% |
| Dividend | € 143,614 | € 0 | € 0 | € 0 | |
| Bank debt | € 127,707 | € 87,771 | € 47,476 | € 41,422 | ▼ 13% |
| Balance sheet total | € 647,794 | € 642,497 | € 605,258 | € 718,435 | ▲ 19% |
| Employees (FTE) | - | 3.8 | - | 4.6 |
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:
- New annual accounts for financial year 2025: profit of € 154,667 (▲ € 131,474 vs 2024). Source: NBB ↗
- KUNN MANAGEMENT BV became a director. NBB
- FINE CAPITAL MANAGEMENT BV became a director. NBB
- New establishment in Gent. KBO
- New establishment in Kuurne. KBO
- New establishment in Merelbeke-Melle. KBO
- Incorporation, published in the Gazette. Source: Staatsblad ↗
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.
Management
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 VerzekeringswynkelBehind 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
Bestuurder · represented by Eric VAN de WYNKELE
since 2023
Bestuurder · represented by Filip ROGIERS
since 2023
Shareholders
Participations
100%
Establishments
Establishment units
Physical locations of this company
Hundelgemsesteenweg 230
9820 Merelbeke-Melle
Brugsesteenweg 156
8520 Kuurne
Active since 22 November 2021
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- VAN dE WYNKELE Eric Julien(oprichter) 100%
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