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 25 % of short-term debt in 2025; threshold 65 %.
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Figures corrected NBB
Corrected annual account filed for 2022.
Financials
Financial year 2025
B&G WAR-ASSUR from Wingene, company number BE0775316941, closed financial year 2025 with a result of € 47,321 after tax. For that financial year B&G WAR-ASSUR recorded a gross margin of € 109,727 and equity of € 179,467. Compared with financial year 2024, the result moved from € 16,396 to € 47,321. Profitable, and profit is growing. 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 July 16, 2026.
€ 179,467
▲ 36% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 47,321
▲ 189% vs 2024
Profit after tax over the fiscal year.
€ 15,680
▼ 12% 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 € 174,467.
Debts at end 2025
€ 1.2 million
▼ 9% vs 2024
€ 126,740 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 22
▼ 83% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,438
▼ 21% 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 | € 95,629 | € 58,600 | € 41,220 | € 109,727 | ▲ 166% |
| Profit after taxes | € 68,791 | € 41,959 | € 16,396 | € 47,321 | ▲ 189% |
| Equity | € 73,791 | € 115,750 | € 132,146 | € 179,467 | ▲ 36% |
| Total debts | € 241,187 | € 239,433 | € 1,331,633 | € 1,204,983 | ▼ 10% |
| Cash | € 77,402 | € 154,706 | € 17,767 | € 15,680 | ▼ 12% |
| Retained profit | € 68,791 | € 110,750 | € 127,146 | € 174,467 | ▲ 37% |
| Bank debt | € 200,000 | € 186,939 | € 1,311,994 | € 1,189,524 | ▼ 9% |
| Balance sheet total | € 314,978 | € 355,182 | € 1,463,779 | € 1,384,451 | ▼ 5% |
Key figures of B&G WAR-ASSUR, 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 B&G WAR-ASSUR?
What happened at B&G WAR-ASSUR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 47,321 (▲ 189% vs 2024). Source: NBB ↗
- New establishment in Wingene. KBO
- Start of the company according to the CBE. KBO
In short
From € 68,791 profit in 2022 to € 47,321 profit in 2025.
Paid € 58,891 in corporate taxes since 2022.
Best year ever: 2022, with € 68,791 profit.
A new publication or filing at B&G WAR-ASSUR? 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
The stake of PERQUY ASSUR, B&G VERZEKERINGSMAKELAARS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
B&G WAR-ASSURBehind B&G WAR-ASSUR are Perquy Assur BV and Barbier & Gryspeert verzekeringsmakelaars BV. The shares are held by PERQUY ASSUR (50%) and B&G VERZEKERINGSMAKELAARS (50%). It owns 100% of Callens Verzekeringsgroep itself.
Directors
According to the 2025 annual accounts
Director · represented by Kevin Perquy
Also active at: B&G Pittem, B&G Wingene/Zwevezele
Barbier & Gryspeert verzekeringsmakelaars BV
Director · represented by Philip Gryspeert
Also active at: B&G Pittem, B&G Wingene/Zwevezele
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Marktplein 17
8750 Wingene
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0775.316.941
- VAT number
- BE 0775.316.941
- Registered office
- Marktplein 17, 8750 Wingene
- Names & denominations
- B&G WAR-ASSUR
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 October 2021
- Peppol
- Active · Active since 31 Oct 2023
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg