What does COVERRISK do?

COVERRISK is an insurance broker in Gent. Private Limited, started on 17 November 2022, 1 establishment.

What is the address of COVERRISK?

The registered office of COVERRISK is located at Loofblommestraat 26, 9051 Gent.

Is COVERRISK still active?

Yes. According to the CBE (31 October 2026) COVERRISK is active, legal situation “Normale toestand”, started on 17 November 2022.

Is COVERRISK registered on Peppol?

No, COVERRISK is currently not registered on the Peppol network.

What is the enterprise number of COVERRISK?

The enterprise number of COVERRISK is BE0793668648.

When was COVERRISK founded?

COVERRISK was founded on 17 November 2022.

Who are the directors of COVERRISK?

According to the 2025 annual accounts, the directors of COVERRISK are: Bart De Maerteleire, Kwinten Steverlynck.

Is COVERRISK a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 17 November 2022; 3 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did COVERRISK make in 2025?

COVERRISK posted a profit after taxes of € 50,433 in financial year 2025.

What is the revenue of COVERRISK?

As a small company, COVERRISK is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 326,498.

How much does an employee at COVERRISK earn?

The average wage cost per full-time employee at COVERRISK was € 56,400 in 2025: staff costs of € 118,513 for 2.1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does COVERRISK have?

According to the 2025 annual accounts, COVERRISK has 2.1 full-time equivalents (FTE).

Does COVERRISK have a website?

Yes, COVERRISK has a website at coverrisk.be.

COVERRISK (Private Limited) - Gent - BE0793668648

Dossier COVERRISK, printed on 1 November 2026 from databakkes.be/en/0793668648/coverrisk. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

COVERRISK from Gent, company number BE0793668648, closed financial year 2025 with a result of € 50,433 after tax. For that financial year COVERRISK recorded a gross margin of € 326,498 and equity of € 123,787. Compared with financial year 2024, the result moved from € 65,028 to € 50,433. 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 July 30, 2026.

What it is worth Growing

€ 123,787

▲ 69% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 50,433

▼ 22% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 232,317

▲ 51% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 108,787.

People and assets in 2025

Full-time equivalents

2.1

▲ 1.1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 118,513

▲ 78% vs 2024

€ 56,400 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.

Vehicles and equipment

€ 4,444

▲ 53% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 12 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 829,661

▼ 7% vs 2024

€ 68,950 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.

Owed to suppliers

€ 34,030

▲ 36% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 13,158

▲ 81% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 134,833 Gross margin 2023: € 134,833 First fiscal year in the series	€ 293,314 Gross margin 2024: € 293,314 ▲ 118% vs 2023 (€ 134,833) Favourable step	€ 326,498 Gross margin 2025: € 326,498 ▲ 11% vs 2024 (€ 293,314) Favourable step	▲ 11%
Profit after taxes	€ -6,674 Profit after taxes 2023: € -6,674 First fiscal year in the series	€ 65,028 Profit after taxes 2024: € 65,028 ▲ € 71,703 vs 2023 (€ -6,674) Favourable step	€ 50,433 Profit after taxes 2025: € 50,433 ▼ 22% vs 2024 (€ 65,028) Unfavourable step	▼ 22%
Equity	€ 8,326 Equity 2023: € 8,326 First fiscal year in the series	€ 73,354 Equity 2024: € 73,354 ▲ € 65,028 vs 2023 (€ 8,326) Favourable step	€ 123,787 Equity 2025: € 123,787 ▲ 69% vs 2024 (€ 73,354) Favourable step	▲ 69%
Total debts	€ 1,036,265 Total debts 2023: € 1,036,265 First fiscal year in the series	€ 947,169 Total debts 2024: € 947,169 ▼ 9% vs 2023 (€ 1,036,265) Favourable step	€ 907,974 Total debts 2025: € 907,974 ▼ 4% vs 2024 (€ 947,169) Favourable step	▼ 4%
Cash	€ 51,188 Cash 2023: € 51,188 First fiscal year in the series	€ 153,385 Cash 2024: € 153,385 ▲ 200% vs 2023 (€ 51,188) Favourable step	€ 232,317 Cash 2025: € 232,317 ▲ 51% vs 2024 (€ 153,385) Favourable step	▲ 51%
Retained profit	€ -6,674 Retained profit 2023: € -6,674 First fiscal year in the series	€ 58,354 Retained profit 2024: € 58,354 ▲ € 65,028 vs 2023 (€ -6,674) Favourable step	€ 108,787 Retained profit 2025: € 108,787 ▲ 86% vs 2024 (€ 58,354) Favourable step	▲ 86%
Bank debt	€ 959,184 Bank debt 2023: € 959,184 First fiscal year in the series	€ 895,779 Bank debt 2024: € 895,779 ▼ 7% vs 2023 (€ 959,184) Favourable step	€ 829,661 Bank debt 2025: € 829,661 ▼ 7% vs 2024 (€ 895,779) Favourable step	▼ 7%
Balance sheet total	€ 1,044,590 Balance sheet total 2023: € 1,044,590 First fiscal year in the series	€ 1,020,523 Balance sheet total 2024: € 1,020,523 ▼ 2% vs 2023 (€ 1,044,590) Unchanged	€ 1,031,761 Balance sheet total 2025: € 1,031,761 ▲ 1% vs 2024 (€ 1,020,523) Unchanged	▲ 1%
Employees (FTE)	0.6 Employees (FTE) 2023: 0.6 First fiscal year in the series	1 Employees (FTE) 2024: 1 ▲ 0.4 vs 2023 (0.6) Unchanged	2.1 Employees (FTE) 2025: 2.1 ▲ 1.1 vs 2024 (1) Unchanged	▲ 1.1

Key figures of COVERRISK, fiscal years 2023 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 COVERRISK?

What happened at COVERRISK in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 30, 2026 New annual accounts for financial year 2025: profit of € 50,433 (▼ 22% vs 2024). Source: NBB ↗
Nov 17, 2022 New establishment in Gent. KBO
Nov 17, 2022 Start of the company according to the CBE. KBO
2022 Bart De Maerteleire became a director. NBB
2022 Kwinten Steverlynck became a director. NBB

In short

From € 6,674 loss in 2023 to € 50,433 profit in 2025.

Paid € 39,215 in corporate taxes since 2023.

Best year ever: 2024, with € 65,028 profit.

On average € 155,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Bart De Maerteleire Kwinten Steverlynck

KANTOOR DE MAERTELEIRE

COVERRISK

Coverrisk Invest

Behind COVERRISK are Bart De Maerteleire and Kwinten Steverlynck. Bart De Maerteleire is also behind KANTOOR DE MAERTELEIRE. Kwinten Steverlynck is also behind Coverrisk Invest.

Directors

According to the 2025 annual accounts

Bart De Maerteleire

Director

Also active at: KANTOOR DE MAERTELEIRE

since 2022

Kwinten Steverlynck

Director

Also active at: Coverrisk Invest

since 2022

Establishments

Establishment units

Physical locations of this company

Registered office

Loofblommestraat 26

9051 Gent

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 →

KANTOOR DE MAERTELEIRE same network

€ 160,023 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS coverrisk.be

Technologies

Google FontsGoogle Maps

Certifications & Partners

FSMA

Hosting & Email

Email provider

Microsoft 365

Hosting

AMAZON-02 - Amazon.com, Inc., US

Website info

HTTPS Ja

Indexable pages 40

Languages NL

Features

Contact page

Security

✓ HTTPS

✓ SPF

✗ DMARC

Network

✓ Load balancing

Details

Company number: 0793.668.648
VAT number: BE 0793.668.648
Registered office: Loofblommestraat 26, 9051 Gent
Names & denominations: COVERRISK
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 17 November 2022
Peppol: Not registered
Contact: coverrisk.be
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗