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 34 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Certemo Verzekeringen from Putte, company number BE0772542939, closed financial year 2025 with a result of € 16,210 after tax. For that financial year Certemo Verzekeringen recorded a gross margin of € 859,546 and equity of € 242,421. Compared with financial year 2024, the result moved from € 29,885 to € 16,210. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2026.
€ 242,421
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 16,210
▼ 46% vs 2024
Profit after tax over the fiscal year.
€ 28,513
▼ 79% 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 € 42,421.
People and assets in 2025
9.4
▲ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 564,180
▲ 6% vs 2024
€ 60,000 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.
€ 91,749
▲ 217% vs 2024
Of which on lease € 7,150.
Debts at end 2025
€ 1 million
▼ 14% vs 2024
€ 172,174 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 119,594
▲ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 59,131
▼ 13% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 436,453 | € 663,495 | € 835,415 | € 859,546 | ▲ 3% |
| Profit after taxes | € -45,718 | € 42,044 | € 29,885 | € 16,210 | ▼ 46% |
| Equity | € 154,282 | € 196,326 | € 226,211 | € 242,421 | ▲ 7% |
| Total debts | € 1,791,774 | € 1,846,050 | € 1,547,479 | € 1,418,579 | ▼ 8% |
| Cash | € 161,103 | € 192,564 | € 133,967 | € 28,513 | ▼ 79% |
| Land & buildings | - | - | - | € 19,808 | |
| Retained profit | € -45,718 | € -3,674 | € 26,211 | € 42,421 | ▲ 62% |
| Bank debt | € 1,076,838 | € 1,363,922 | € 1,197,465 | € 1,027,721 | ▼ 14% |
| Balance sheet total | € 1,946,055 | € 2,042,376 | € 1,773,690 | € 1,661,000 | ▼ 6% |
| Employees (FTE) | 4.2 | 6.5 | 8.5 | 9.4 | ▲ 0.9 |
Key figures of Certemo 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 Certemo Verzekeringen?
What happened at Certemo 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 € 16,210 (▼ 46% vs 2024). filed late Source: NBB ↗
- New establishment in Putte. KBO
- Start of the company according to the CBE. KBO
- ENB-MANAGEMENT BV became a director. NBB
- CARE4U CONSULT BV became a director. NBB
- JURGEN DU BOIS BV became a director. NBB
In short
From € 45,718 loss in 2022 to € 16,210 profit in 2025.
Paid € 51,113 in corporate taxes since 2022.
Best year ever: 2023, with € 42,044 profit.
On average € 91,400 of value added per employee in 2025.
Management
The stake of JURGEN DU BOIS, LNB-Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Certemo VerzekeringenBehind Certemo Verzekeringen are ENB-MANAGEMENT BV, CARE4U CONSULT BV and JURGEN DU BOIS BV. The shares are held by JURGEN DU BOIS (33.2%) and LNB-Management (33%).
Directors
According to the 2025 annual accounts
Director · represented by LAMBRECHTS BART
since 2021
since 2021
since 2021
Shareholders
33.2%
33%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Mechelbaan 393
2580 Putte
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
- 0772.542.939
- VAT number
- BE 0772.542.939
- Registered office
- Mechelbaan 393, 2580 Putte
- Names & denominations
- Certemo Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 August 2021
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars