Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2023 and 2025.
Financials
Financial year 2025
Howden Belgium from Zaventem, company number BE0745664635, closed financial year 2025 with a result of € -7.3 million after tax. For that financial year Howden Belgium recorded a gross margin of € 5.2 million and equity of € 16.2 million. Compared with financial year 2023, the result moved from € -1.1 million to € -7.3 million. The company made a loss. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 26, 2026.
€ 16.2 million
▲ € 19.5 million vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7.3 million
▼ 539 % more loss than in 2023
Profit after tax over the fiscal year.
€ 3.2 million
▲ 33% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -7.3 million.
People and assets in 2025
37.4
▲ 21.8 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 8.4 million
▲ 255% vs 2023
€ 224,800 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.
€ 627,896
▲ € 524,962 vs 2023
Of which on lease € 419,041.
Debts at end 2025
€ 416,806
€ 97,729 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 16 million
▲ € 14.9 million vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 713,488
▼ 7% vs 2023
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2025 | Change 2023 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 661,795 | € 1,846,400 | € 5,225,086 | ▲ 183% |
| Profit after taxes | € -591,391 | € -1,134,772 | € -7,253,462 | ▼ € 6.1 million |
| Equity | € -2,149,787 | € -3,284,559 | € 16,174,607 | ▲ € 19.5 million |
| Total debts | € 8,818,969 | € 14,705,286 | € 30,422,826 | ▲ 107% |
| Cash | € 175,727 | € 2,395,911 | € 3,181,588 | ▲ 33% |
| Retained profit | € -2,211,287 | € -3,346,059 | € -7,253,462 | ▼ € 3.9 million |
| Bank debt | € 0 | € 0 | € 416,806 | |
| Balance sheet total | € 6,669,182 | € 11,420,727 | € 46,727,433 | ▲ € 35.3 million |
| Employees (FTE) | 10.3 | 15.6 | 37.4 | ▲ 21.8 |
Key figures of Howden Belgium, 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 Howden Belgium?
What happened at Howden Belgium in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Laurent Berckmans stepped down as director. NBB
- Patrick De Baets stepped down as director. NBB
- VLA BV stepped down as director. NBB
- Marins BV stepped down as director. NBB
- Enrico Nanni stepped down as director. NBB
- AJG Management BV stepped down as director. NBB
- Pascale Van Rhijn stepped down as director. NBB
- New establishment in Waregem. KBO
In short
From € 591,391 loss in 2022 to € 7.3 million loss in 2025.
Paid € 19,344 in corporate taxes since 2022.
On average € 139,700 of value added per employee in 2025.
Management
The shares are held by Howden Broking Group. It owns 100% of WDR Insurance, 100% of Flanders Insurance and 100% of Dwelshauvers Assurances itself.
Directors
According to the 2025 annual accounts
since 2024 · until 2029
Director · represented by Wouter Van den Daele
Also active at: FLANDERS INSURANCE, WDR INSURANCE GROUP
since 2024 · until 2029
since 2025 · until 2031
since 2024 · until 2028
since 2024 · until 2029
Laurent Berckmans
Director
since 2025 · until 2031
Director · represented by Jérôme Geenen
Also active at: DWELSHAUVERS ASSURANCES, GB IMMO
since 2024 · until 2029
Shareholders
Howden Broking Group
Participations
Establishments
Establishment units
Physical locations of this company
Belgicastraat 1
1930 Zaventem
Waterloosesteenweg 1135
1180 Ukkel
Active since 29 September 2023
Zuiderlaan 9
8790 Waregem
Active since 16 July 2026
Route du Condroz 457
4031 Liège
Active since 16 July 2026
Sneeuwbeslaan 14
2610 Antwerpen
Active since 16 July 2026
Esplanadeplein 9
9300 Aalst
Active since 16 July 2026
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Mimecast
Hosting
HYVE, GB
Domain
Domain
howdengroup.com
Registered
2003-12-19
Registrar
CSC Corporate Domains, Inc.
Expires
2026-12-19
Website info
Features
Security
Details
- Company number
- 0745.664.635
- VAT number
- BE 0745.664.635
- Registered office
- Belgicastraat 1, 1930 Zaventem
- Names & denominations
- Howden Belgium
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 27 March 2020
- Peppol
- Active · Active since 23 Jul 2025
- Contact
- howdengroup.com
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Overige zakelijke dienstverlening, neg