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 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
GROEP BDSV from Wevelgem, company number BE0804932130, closed financial year 2025 with a result of € 106,547 after tax. For that financial year GROEP BDSV recorded a gross margin of € 762,597 and equity of € 58,292. Compared with financial year 2024, the result moved from € -15,688 to € 106,547. 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 August 31, 2026.
€ 58,292
▲ € 43,979 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 106,547
▲ still € 15,688 loss in 2024
Profit after tax over the fiscal year.
€ 247,036
▲ 69% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 62,567 paid out
59 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3.3
Average over the fiscal year, from the social balance sheet.
€ 255,869
▲ 3% vs 2024
€ 77,500 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.
€ 17,912
▲ € 13,623 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.2 million
▲ 4% vs 2024
€ 221,732 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 50,002
▲ 91% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 48,148
▲ 85% vs 2024
Taxes, VAT and social contributions still to pay.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € 564,470 | € 762,597 | ▲ 35% |
| Profit after taxes | € -15,688 | € 106,547 | ▲ € 122,235 |
| Equity | € 14,312 | € 58,292 | ▲ € 43,979 |
| Total debts | € 2,732,359 | € 2,791,938 | ▲ 2% |
| Cash | € 146,365 | € 247,036 | ▲ 69% |
| Retained profit | € -15,688 | € 28,292 | ▲ € 43,979 |
| Dividend | € 0 | € 62,567 | |
| Bank debt | € 2,075,017 | € 2,156,670 | ▲ 4% |
| Balance sheet total | € 2,746,671 | € 2,850,229 | ▲ 4% |
| Employees (FTE) | 3.3 | 3.3 |
Key figures of GROEP BDSV, fiscal years 2024 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 GROEP BDSV?
What happened at GROEP BDSV in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 106,547. filed late Source: NBB ↗
- INSURIX BV stepped down as director. NBB
- New establishment in Ledegem. KBO
- New establishment in Kortrijk. KBO
- New establishment in Wevelgem. KBO
- New establishment in Wevelgem. KBO
- Start of the company according to the CBE. KBO
- VERZEKERINGEN SOUBRY BV became a director. NBB
In short
From € 15,688 loss in 2024 to € 106,547 profit in 2025.
Paid € 18,791 in corporate taxes since 2024.
Best year ever: 2025, with € 106,547 profit.
On average € 231,100 of value added per employee in 2025.
Management
The stake of DEFRAYE LUC ZAKENKANTOOR, BONVIN GILLES CONSULT, INSURIX, DVV HEULE, VERZEKERINGEN SOUBRY comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
GROEP BDSVBehind GROEP BDSV are VERZEKERINGEN SOUBRY BV, DVV HEULE BV, BONVIN GILLES CONSULT BV and DEFRAYE LUC ZAKENKANTOOR BV. The shares are held by DEFRAYE LUC ZAKENKANTOOR (33.3%), BONVIN GILLES CONSULT (23.3%), INSURIX (16.7%), DVV HEULE (16.7%) and VERZEKERINGEN SOUBRY.
Directors
According to the 2025 annual accounts
Director · represented by Soubry Franky
since 2023
since 2023
since 2023
Director · represented by Defraye Luc Joseph
since 2023
Director · represented by Six Kenneth
since 2023 · until 2026
Shareholders
33.3%
23.3%
16.7%
16.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Bissegemstraat 43 box 1
8560 Wevelgem
Zeger van Heulestraat(Heu) 27
8501 Kortrijk
Active since 2 January 2024
Sint-Maartensplein 6 box 1
8560 Wevelgem
Active since 2 January 2024
Kloosterstraat 2 box B
8880 Ledegem
Active since 1 November 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0804.932.130
- VAT number
- BE 0804.932.130
- Registered office
- Bissegemstraat 43 bus 1, 8560 Wevelgem
- Names & denominations
- GROEP BDSV
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 August 2023
- Peppol
- Active · Active since 18 Mar 2024
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Agenten en makelaars in bankdiensten