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 27 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Van Vlem Verzekeringen from Kapellen, company number BE0746772415, closed financial year 2025 with a result of € 41,101 after tax. For that financial year Van Vlem Verzekeringen recorded a gross margin of € 150,287 and equity of € 3,130. Compared with financial year 2024, the result moved from € 79,685 to € 41,101. The company is profitable. The buffer shrank hard: equity is 96 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 24, 2026.
€ 3,130
▼ 96% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 41,101
▼ 48% vs 2024
Profit after tax over the fiscal year.
€ 31,615
▼ 39% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 122,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 25,489
▲ 8% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 47,914
▲ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 340,360
€ 26,792 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 12,854
▲ € 10,155 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,122
▼ 39% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 41,392 | € 76,007 | € 142,323 | € 150,287 | ▲ 6% |
| Profit after taxes | € 23,857 | € 41,778 | € 79,685 | € 41,101 | ▼ 48% |
| Equity | € 29,566 | € 44,345 | € 84,029 | € 3,130 | ▼ 96% |
| Total debts | € 9,306 | € 31,124 | € 51,374 | € 497,528 | ▲ € 446,154 |
| Cash | € 5,984 | € 38,655 | € 51,596 | € 31,615 | ▼ 39% |
| Land & buildings | € 4,749 | € 3,400 | € 2,051 | € 382,451 | ▲ € 380,400 |
| Retained profit | € 27,066 | € 41,845 | € 81,529 | € 630 | ▼ 99% |
| Dividend | € 0 | € 27,000 | € 40,000 | € 122,000 | ▲ 205% |
| Bank debt | € 0 | € 0 | € 0 | € 340,360 | |
| Balance sheet total | € 38,872 | € 75,469 | € 135,404 | € 500,658 | ▲ 270% |
Key figures of Van Vlem 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 Van Vlem Verzekeringen?
What happened at Van Vlem 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 € 41,101 (▼ 48% vs 2024). Source: NBB ↗
- New establishment in Brecht. KBO
- Cor Van Vlem became a director. NBB
- New establishment in Kapellen. KBO
- Jonas Van Vlem became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 23,857 profit in 2022 to € 41,101 profit in 2025.
Paid € 74,053 in corporate taxes since 2022.
Best year ever: 2024, with € 79,685 profit.
Paid out € 189,000 in dividends to the owners in total.
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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 Van Vlem Verzekeringen are Cor Van Vlem and Jonas Van Vlem.
Directors
According to the 2025 annual accounts
Cor Van Vlem
Director
since 2025
Jonas Van Vlem
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Ertbrandstraat 158 box 1
2950 Kapellen
Bethaniënlei 66
2960 Brecht
Active since 1 February 2026
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
- 0746.772.415
- VAT number
- BE 0746.772.415
- Registered office
- Ertbrandstraat 158 bus 1, 2950 Kapellen
- Names & denominations
- Van Vlem Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 May 2020
- Peppol
- Active · Active since 6 Mar 2024
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars