What does FIBAM B & V do?

FIBAM B & V is an insurance broker in Gistel. Private Limited, started on 10 September 2008, 1 establishment.

What is the address of FIBAM B & V?

The registered office of FIBAM B & V is located at Stationsstraat 77, 8470 Gistel.

Is FIBAM B & V still active?

Yes. According to the CBE (28 September 2026) FIBAM B & V is active, legal situation “Normale toestand”, started on 10 September 2008.

Is FIBAM B & V registered on Peppol?

Yes, FIBAM B & V is registered on the Peppol network with ID 0208:0806287358.

What is the enterprise number of FIBAM B & V?

The enterprise number of FIBAM B & V is BE0806287358.

When was FIBAM B & V founded?

FIBAM B & V was founded on 10 September 2008.

Who are the directors of FIBAM B & V?

According to the 2025 annual accounts, the directors of FIBAM B & V are: Wouter Decoster.

Is FIBAM B & V a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 10 September 2008; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did FIBAM B & V make in 2025?

FIBAM B & V posted a profit after taxes of € 34,166 in financial year 2025.

What is the revenue of FIBAM B & V?

As a small company, FIBAM B & V is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 300,705.

FIBAM B & V (Private Limited) - Gistel - BE0806287358

Dossier FIBAM B & V, printed on 28 September 2026 from databakkes.be/en/0806287358/fibam-b-v. 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.

Tight liquidity NBB

Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

FIBAM B & V from Gistel, company number BE0806287358, closed financial year 2025 with a result of € 34,166 after tax. For that financial year FIBAM B & V recorded a gross margin of € 300,705 and equity of € 536,146. Compared with financial year 2024, the result moved from € 12,210 to € 34,166. 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 August 11, 2026.

What it is worth Growing

€ 536,146

▲ 7% vs 2024

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

Profit Growing

€ 34,166

▲ 180% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 74,658

▼ 9% 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 € 529,946.

People and assets in 2025

Wage cost

€ 139,894

▲ 4% vs 2024

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

€ 152,050

▼ 17% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 319,570

▼ 14% vs 2024

€ 50,732 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 70,597

▼ 65% vs 2024

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

Taxes and wages

€ 47,577

▲ 44% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 253,517 Gross margin 2022: € 253,517 First fiscal year in the series	€ 249,372 Gross margin 2023: € 249,372 ▼ 2% vs 2022 (€ 253,517) Unfavourable step	€ 256,140 Gross margin 2024: € 256,140 ▲ 3% vs 2023 (€ 249,372) Favourable step	€ 300,705 Gross margin 2025: € 300,705 ▲ 17% vs 2024 (€ 256,140) Favourable step	▲ 17%
Profit after taxes	€ 34,518 Profit after taxes 2022: € 34,518 First fiscal year in the series	€ 6,551 Profit after taxes 2023: € 6,551 ▼ 81% vs 2022 (€ 34,518) Unfavourable step	€ 12,210 Profit after taxes 2024: € 12,210 ▲ 86% vs 2023 (€ 6,551) Favourable step	€ 34,166 Profit after taxes 2025: € 34,166 ▲ 180% vs 2024 (€ 12,210) Favourable step	▲ 180%
Equity	€ 521,536 Equity 2022: € 521,536 First fiscal year in the series	€ 496,424 Equity 2023: € 496,424 ▼ 5% vs 2022 (€ 521,536) Unfavourable step	€ 501,980 Equity 2024: € 501,980 ▲ 1% vs 2023 (€ 496,424) Favourable step	€ 536,146 Equity 2025: € 536,146 ▲ 7% vs 2024 (€ 501,980) Favourable step	▲ 7%
Total debts	€ 1,099,576 Total debts 2022: € 1,099,576 First fiscal year in the series	€ 892,039 Total debts 2023: € 892,039 ▼ 19% vs 2022 (€ 1,099,576) Favourable step	€ 1,080,967 Total debts 2024: € 1,080,967 ▲ 21% vs 2023 (€ 892,039) Unfavourable step	€ 948,160 Total debts 2025: € 948,160 ▼ 12% vs 2024 (€ 1,080,967) Favourable step	▼ 12%
Cash	€ 24,358 Cash 2022: € 24,358 First fiscal year in the series	€ 155,520 Cash 2023: € 155,520 ▲ € 131,163 vs 2022 (€ 24,358) Favourable step	€ 82,017 Cash 2024: € 82,017 ▼ 47% vs 2023 (€ 155,520) Unfavourable step	€ 74,658 Cash 2025: € 74,658 ▼ 9% vs 2024 (€ 82,017) Unfavourable step	▼ 9%
Land & buildings	€ 653,685 Land & buildings 2022: € 653,685 First fiscal year in the series	€ 378,967 Land & buildings 2023: € 378,967 ▼ 42% vs 2022 (€ 653,685) Unchanged	€ 347,345 Land & buildings 2024: € 347,345 ▼ 8% vs 2023 (€ 378,967) Unchanged	€ 315,723 Land & buildings 2025: € 315,723 ▼ 9% vs 2024 (€ 347,345) Unchanged	▼ 9%
Retained profit	€ 515,336 Retained profit 2022: € 515,336 First fiscal year in the series	€ 490,224 Retained profit 2023: € 490,224 ▼ 5% vs 2022 (€ 515,336) Unfavourable step	€ 495,780 Retained profit 2024: € 495,780 ▲ 1% vs 2023 (€ 490,224) Favourable step	€ 529,946 Retained profit 2025: € 529,946 ▲ 7% vs 2024 (€ 495,780) Favourable step	▲ 7%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 31,663 Dividend 2023: € 31,663 Unchanged (€ 0) Unchanged	€ 6,654 Dividend 2024: € 6,654 ▼ 79% vs 2023 (€ 31,663) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 6,654) Unchanged	▼ 100%
Bank debt	€ 636,523 Bank debt 2022: € 636,523 First fiscal year in the series	€ 397,858 Bank debt 2023: € 397,858 ▼ 37% vs 2022 (€ 636,523) Favourable step	€ 370,906 Bank debt 2024: € 370,906 ▼ 7% vs 2023 (€ 397,858) Favourable step	€ 319,570 Bank debt 2025: € 319,570 ▼ 14% vs 2024 (€ 370,906) Favourable step	▼ 14%
Balance sheet total	€ 1,621,112 Balance sheet total 2022: € 1,621,112 First fiscal year in the series	€ 1,388,463 Balance sheet total 2023: € 1,388,463 ▼ 14% vs 2022 (€ 1,621,112) Unchanged	€ 1,582,947 Balance sheet total 2024: € 1,582,947 ▲ 14% vs 2023 (€ 1,388,463) Unchanged	€ 1,484,306 Balance sheet total 2025: € 1,484,306 ▼ 6% vs 2024 (€ 1,582,947) Unchanged	▼ 6%

Key figures of FIBAM B & V, 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 FIBAM B & V?

What happened at FIBAM B & V in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 11, 2026 New annual accounts for financial year 2025: profit of € 34,166 (▲ 180% vs 2024). filed late Source: NBB ↗
Jan 1, 2009 New establishment in Gistel. KBO
Sep 10, 2008 Start of the company according to the CBE. KBO

In short

From € 34,518 profit in 2022 to € 34,166 profit in 2025.

Paid € 54,670 in corporate taxes since 2022.

Best year ever: 2022, with € 34,518 profit.

Paid out € 38,317 in dividends to the owners in total.

Original PDFs at the National Bank ↗

A new publication or filing at FIBAM B & V? We notify you, reason included.

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My folder 3 companies

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

Real filings at the National Bank

Management

Wouter Decoster

FIBAM B & V

RAVESTEYN

Behind FIBAM B & V is Wouter Decoster. Wouter Decoster is also behind RAVESTEYN.

See the full network in the app

Directors

According to the 2025 annual accounts

Wouter Decoster

Director

Also active at: RAVESTEYN

Establishments

Establishment units

Physical locations of this company

Registered office

Stationsstraat 77

8470 Gistel

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

Details

Company number: 0806.287.358
VAT number: BE 0806.287.358
Registered office: Stationsstraat 77, 8470 Gistel
Names & denominations: FIBAM B & V
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 10 September 2008
Peppol: Active · Active since 1 Dec 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗