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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Tight liquidity NBB
Cash and receivables cover 16 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
BVK Bank en Verzekeringen from Oostende, company number BE0746627806, closed financial year 2025 with a result of € 46,174 after tax. For that financial year BVK Bank en Verzekeringen recorded a gross margin of € 65,921 and equity of € 117,759. Compared with financial year 2024, the result moved from € 3,451 to € 46,174. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ 117,759
▲ 65% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 46,174
▲ € 42,723 vs 2024
Profit after tax over the fiscal year.
€ 41,172
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 116,759.
Debts at end 2025
€ 113,224
▼ 36% vs 2024
€ 51,592 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 17,825
▲ 93% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 8,794 | € 42,371 | € 9,006 | € 65,921 | ▲ € 56,916 |
| Profit after taxes | € -3,921 | € 18,100 | € 3,451 | € 46,174 | ▲ € 42,723 |
| Equity | € 50,035 | € 68,135 | € 71,585 | € 117,759 | ▲ 65% |
| Total debts | € 350,611 | € 331,918 | € 328,467 | € 324,191 | ▼ 1% |
| Cash | € 646 | - | - | € 41,172 | |
| Retained profit | € 49,035 | € 67,135 | € 70,585 | € 116,759 | ▲ 65% |
| Bank debt | € 289,818 | € 242,867 | € 178,003 | € 113,224 | ▼ 36% |
| Balance sheet total | € 400,646 | € 400,052 | € 400,052 | € 441,950 | ▲ 10% |
Key figures of BVK Bank en Verzekeringen, 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 BVK Bank en Verzekeringen?
What happened at BVK Bank en Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 46,174 (▲ € 42,723 vs 2024). filed late Source: NBB ↗
- New establishment in Oostende. KBO
- Start of the company according to the CBE. KBO
- Christian Brouns became a director. NBB
- Kristiaan Van Keirsbilck became a director. NBB
In short
From € 3,921 loss in 2022 to € 46,174 profit in 2025.
Paid € 36,673 in corporate taxes since 2022.
Best year ever: 2025, with € 46,174 profit.
A new publication or filing at BVK Bank en Verzekeringen? 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
Behind BVK Bank en Verzekeringen are Christian Brouns and Kristiaan Van Keirsbilck. The same people are also behind Brouns en Van Keirsbilck Verzekeringen and Brouns en Van Keirsbilck Bank. Christian Brouns is also behind Brouns Chris. Kristiaan Van Keirsbilck is also behind Kantoor Raes - Coene and Van Keirsbilck Kristiaan.
Directors
According to the 2025 annual accounts
Christian Brouns
Director
Also active at: Brouns en Van Keirsbilck Verzekeringen, Brouns en Van Keirsbilck Bank, Brouns Chris
since 2020
Kristiaan Van Keirsbilck
Director
Also active at: Kantoor Raes - Coene, Brouns en Van Keirsbilck Verzekeringen, Brouns en Van Keirsbilck Bank, Van Keirsbilck Kristiaan
since 2020
Establishments
Establishment units
Physical locations of this company
Torhoutsesteenweg 300
8400 Oostende
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0746.627.806
- VAT number
- BE 0746.627.806
- Registered office
- Torhoutsesteenweg 300, 8400 Oostende
- Names & denominations
- BVK Bank en Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Besloten Vennootschap van publiek recht
- Legal situation
- Normale toestand
- Start date
- 30 April 2020
- Peppol
- Not registered
- Activities · NACE
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