Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 8 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
United Underwriters from Kraainem, company number BE0755968312, closed financial year 2025 with a result of € 2 million after tax. Compared with financial year 2024, the result moved from € 1.5 million to € 2 million. 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 1, 2026.
€ 4.5 million
▲ 76% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2 million
▲ 28% vs 2024
Profit after tax over the fiscal year.
€ 47,792
▲ € 46,971 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 € 2.6 million.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 8,330
▲ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 98 days on average.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Profit after taxes | € 184,028 | € 431,963 | € 1,531,420 | € 1,953,983 | ▲ 28% |
| Equity | € 1,267,437 | € 2,532,733 | € 2,564,153 | € 4,518,135 | ▲ 76% |
| Total debts | € 3,256,954 | € 2,022,725 | € 1,909,829 | € 576,914 | ▼ 70% |
| Cash | € 51,230 | € 2,297 | € 822 | € 47,792 | ▲ € 46,971 |
| Retained profit | € 149,147 | € 581,110 | € 612,530 | € 2,566,512 | ▲ € 2 million |
| Dividend | € 0 | € 0 | € 1,500,000 | € 0 | ▼ 100% |
| Bank debt | € 3,234,870 | € 2,001,537 | € 387,787 | € 0 | ▼ 100% |
| Balance sheet total | € 4,524,390 | € 4,555,457 | € 4,473,982 | € 5,095,050 | ▲ 14% |
Key figures of United Underwriters, 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 United Underwriters?
What happened at United Underwriters in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2 million (▲ 28% vs 2024). Source: NBB ↗
- MIRELLA SRL became a director. NBB
- ShawCo SRL became a director. NBB
- JPT& SRL became a director. NBB
- New establishment in Etterbeek. KBO
- Bvdh SRL became a director. NBB
- Abcdh SRL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 184,028 profit in 2022 to € 2 million profit in 2025.
Best year ever: 2025, with € 2 million profit.
Paid out € 1.5 million in dividends to the owners in total.
Pays suppliers within 98 days on average.
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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
The stake of ABCDH, BVDH comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
United UnderwritersBehind United Underwriters are MIRELLA SRL, ShawCo SRL, Bvdh SRL, JPT& SRL and Abcdh SRL. The shares are held by ICC Holding (100%), ABCDH (30%) and BVDH (30%). It owns 100% of Beluga Insurance Solutions and 100% of Vander Haeghen SA itself.
Directors
According to the 2025 annual accounts
Managing director · represented by Smeulders Joris
Also active at: VANDER HAEGHEN en Co, Group Claeys Insurance Brokers, GROUP CLAEYS INVEST
since 2025
Director · represented by Shaw Arocena Federico
since 2025
Director · represented by Vander Haeghen Bertrand
Also active at: VANDER HAEGHEN en Co, PILORI INVEST
since 2020
Director · represented by Preneel David
since 2025
since 2020
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Steenweg op Mechelen 455 box 9
1950 Kraainem
Nerviërslaan 85 box 2
1040 Etterbeek
Active since 9 October 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0755.968.312
- VAT number
- BE 0755.968.312
- Registered office
- Steenweg op Mechelen 455 bus 9, 1950 Kraainem
- Names & denominations
- United Underwriters
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 October 2020
- Peppol
- Active · Active since 20 Nov 2025
- Activities · NACE
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