What does DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN do?

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is an insurance broker in Gent. Private Limited, started on 27 March 2009, 1 establishment.

What is the address of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN?

The registered office of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is located at Kortrijksesteenweg 912, 9000 Gent.

Is DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN still active?

Yes. According to the CBE (2 November 2026) DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is active, legal situation “Normale toestand”, started on 27 March 2009.

Is DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN registered on Peppol?

Yes, DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is registered on the Peppol network with ID 0208:0810748071.

What is the enterprise number of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN?

The enterprise number of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is BE0810748071.

When was DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN founded?

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN was founded on 27 March 2009.

Who are the directors of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN?

According to the 2025 annual accounts, the directors of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN are: Emmanuel De Ruyck.

Is DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 27 March 2009; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 1 events from the Belgian Official Gazette processed.

How much profit did DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN make in 2025?

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN posted a profit after taxes of € 21,993 in financial year 2025.

What is the revenue of DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN?

As a small company, DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 184,898.

How much does an employee at DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN earn?

The average wage cost per full-time employee at DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN was € 40,600 in 2022: staff costs of € 64,895 for 1.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN (Private Limited)

Dossier DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN, printed on 3 November 2026 from databakkes.be/en/0810748071/de-ruyck-antoon-emmanuel-verzekeringen. 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.

Figures corrected NBB

Corrected annual account filed for 2023.

Financials

Financial year 2025

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN from Gent, company number BE0810748071, closed financial year 2025 with a result of € 21,993 after tax. For that financial year DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN recorded a gross margin of € 184,898 and equity of € 165,716. Compared with financial year 2024, the result moved from € 3,957 to € 21,993. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 29, 2026.

What it is worth Growing

€ 165,716

▲ 15% vs 2024

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

Profit Growing

€ 21,993

▲ € 18,035 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 24

▼ 95% 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 € 147,166.

People and assets in 2025

Wage cost

€ 100,525

▲ 12% 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

€ 42,827

▼ 29% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 10 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.

€ 386,771

▼ 7% vs 2024

€ 38,863 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.

Owed to suppliers

€ 26,087

▼ 56% vs 2024

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

Taxes and wages

€ 23,921

▲ 114% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 127,084 Gross margin 2022: € 127,084 First fiscal year in the series	€ 115,764 Gross margin 2023: € 115,764 ▼ 9% vs 2022 (€ 127,084) Unfavourable step	€ 165,588 Gross margin 2024: € 165,588 ▲ 43% vs 2023 (€ 115,764) Favourable step	€ 184,898 Gross margin 2025: € 184,898 ▲ 12% vs 2024 (€ 165,588) Favourable step	▲ 12%
Profit after taxes	€ 6,605 Profit after taxes 2022: € 6,605 First fiscal year in the series	€ 1,642 Profit after taxes 2023: € 1,642 ▼ 75% vs 2022 (€ 6,605) Unfavourable step	€ 3,957 Profit after taxes 2024: € 3,957 ▲ 141% vs 2023 (€ 1,642) Favourable step	€ 21,993 Profit after taxes 2025: € 21,993 ▲ € 18,035 vs 2024 (€ 3,957) Favourable step	▲ € 18,035
Equity	€ 138,124 Equity 2022: € 138,124 First fiscal year in the series	€ 139,766 Equity 2023: € 139,766 ▲ 1% vs 2022 (€ 138,124) Favourable step	€ 143,723 Equity 2024: € 143,723 ▲ 3% vs 2023 (€ 139,766) Favourable step	€ 165,716 Equity 2025: € 165,716 ▲ 15% vs 2024 (€ 143,723) Favourable step	▲ 15%
Total debts	€ 417,450 Total debts 2022: € 417,450 First fiscal year in the series	€ 491,571 Total debts 2023: € 491,571 ▲ 18% vs 2022 (€ 417,450) Unfavourable step	€ 487,547 Total debts 2024: € 487,547 ▼ 1% vs 2023 (€ 491,571) Favourable step	€ 436,778 Total debts 2025: € 436,778 ▼ 10% vs 2024 (€ 487,547) Favourable step	▼ 10%
Cash	€ 267 Cash 2022: € 267 First fiscal year in the series	€ 324 Cash 2023: € 324 ▲ 21% vs 2022 (€ 267) Favourable step	€ 435 Cash 2024: € 435 ▲ 34% vs 2023 (€ 324) Favourable step	€ 24 Cash 2025: € 24 ▼ 95% vs 2024 (€ 435) Unfavourable step	▼ 95%
Land & buildings	€ 331,527 Land & buildings 2022: € 331,527 First fiscal year in the series	€ 321,237 Land & buildings 2023: € 321,237 ▼ 3% vs 2022 (€ 331,527) Unchanged	€ 310,946 Land & buildings 2024: € 310,946 ▼ 3% vs 2023 (€ 321,237) Unchanged	€ 300,657 Land & buildings 2025: € 300,657 ▼ 3% vs 2024 (€ 310,946) Unchanged	▼ 3%
Retained profit	€ 119,574 Retained profit 2022: € 119,574 First fiscal year in the series	€ 121,216 Retained profit 2023: € 121,216 ▲ 1% vs 2022 (€ 119,574) Favourable step	€ 125,173 Retained profit 2024: € 125,173 ▲ 3% vs 2023 (€ 121,216) Favourable step	€ 147,166 Retained profit 2025: € 147,166 ▲ 18% vs 2024 (€ 125,173) Favourable step	▲ 18%
Bank debt	€ 339,863 Bank debt 2022: € 339,863 First fiscal year in the series	€ 430,843 Bank debt 2023: € 430,843 ▲ 27% vs 2022 (€ 339,863) Unfavourable step	€ 417,529 Bank debt 2024: € 417,529 ▼ 3% vs 2023 (€ 430,843) Favourable step	€ 386,771 Bank debt 2025: € 386,771 ▼ 7% vs 2024 (€ 417,529) Favourable step	▼ 7%
Balance sheet total	€ 555,573 Balance sheet total 2022: € 555,573 First fiscal year in the series	€ 631,337 Balance sheet total 2023: € 631,337 ▲ 14% vs 2022 (€ 555,573) Unchanged	€ 631,270 Balance sheet total 2024: € 631,270 Unchanged (€ 631,337) Unchanged	€ 602,494 Balance sheet total 2025: € 602,494 ▼ 5% vs 2024 (€ 631,270) Unchanged	▼ 5%
Employees (FTE)	1.6 Employees (FTE) 2022: 1.6 First fiscal year in the series	-	-	-

Key figures of DE RUYCK ANTOON & EMMANUEL 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 DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN?

What happened at DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 29, 2026 New annual accounts for financial year 2025: profit of € 21,993 (▲ € 18,035 vs 2024). Source: NBB ↗
2020 Emmanuel De Ruyck became a director. NBB
Apr 6, 2009 Incorporation, published in the Gazette. Source: Staatsblad ↗
Mar 25, 2009 New establishment in Gent. KBO

In short

From € 6,605 profit in 2022 to € 21,993 profit in 2025.

Paid € 39,528 in corporate taxes since 2022.

Best year ever: 2025, with € 21,993 profit.

On average € 79,400 of value added per employee in 2022.

Original PDFs at the National Bank ↗

Management

Emmanuel De Ruyck

DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN

Behind DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN is Emmanuel De Ruyck.

Directors

According to the 2025 annual accounts

Emmanuel De Ruyck

Director

since 2020

Establishments

Establishment units

Physical locations of this company

Registered office

Kortrijksesteenweg 912

9000 Gent

2.213.960.761

Koning Leopold II-laan 1

9000 Gent

Active since 25 March 2009

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

Shareholders according to the Official Gazette deeds

Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.

Incorporation

6 April 2009 Source: Deed ↗

Antoon De Ruyck(hoofdelijk en onbeperkt aansprakelijk beherend vennoot) 80%
Marleen De Bruycker(hoofdelijk en onbeperkt aansprakelijk beherend vennoot) 16%
Emmanuel De Ruyck(beperkt aansprakelijk stille vennoot) 4%

Details

Company number: 0810.748.071
VAT number: BE 0810.748.071
Registered office: Kortrijksesteenweg 912, 9000 Gent
Names & denominations: DE RUYCK ANTOON & EMMANUEL VERZEKERINGEN · DE RUYCK ANTOON & EMMANUEL
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 27 March 2009
Peppol: Active · Active since 19 Nov 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗