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 56 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 12.1 to 10.6.
Financials
Financial year 2025
LDBS INSURANCE from Kapellen, company number BE0827765138, closed financial year 2025 with a result of € 87,446 after tax. For that financial year LDBS INSURANCE recorded a gross margin of € 1.5 million and equity of € 3.2 million. Compared with financial year 2024, the result moved from € 132,739 to € 87,446. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 3.2 million
▼ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 87,446
▼ 34% vs 2024
Profit after tax over the fiscal year.
€ 227,218
▲ 30% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 30,000 paid out
34 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
10.6
▼ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 847,849
▼ 5% vs 2024
€ 80,000 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.
€ 82,083
▼ 11% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 4.2 million
▲ 44% vs 2024
€ 506,783 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 130,763
▼ 57% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 101,531
▼ 18% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,291,142 | € 1,559,371 | € 1,524,176 | € 1,547,802 | ▲ 2% |
| Profit after taxes | € 16,687 | € 144,841 | € 132,739 | € 87,446 | ▼ 34% |
| Equity | € 3,427,503 | € 3,512,344 | € 3,585,082 | € 3,217,529 | ▼ 10% |
| Total debts | € 4,299,046 | € 3,666,895 | € 3,966,914 | € 4,625,450 | ▲ 17% |
| Cash | € 67,643 | € 32,953 | € 175,154 | € 227,218 | ▲ 30% |
| Land & buildings | € 1,657,538 | € 1,123,943 | € 1,381,525 | € 2,007,081 | ▲ 45% |
| Retained profit | € -17,069 | € 67,772 | € 565,510 | € 197,957 | ▼ 65% |
| Dividend | € 0 | € 60,000 | € 60,000 | € 30,000 | ▼ 50% |
| Bank debt | € 3,576,578 | € 2,808,499 | € 2,900,473 | € 4,183,960 | ▲ 44% |
| Balance sheet total | € 7,762,530 | € 7,215,220 | € 7,587,912 | € 7,877,804 | ▲ 4% |
| Employees (FTE) | 12.3 | 12.1 | 11.4 | 10.6 | ▼ 0.8 |
Key figures of LDBS INSURANCE, 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 LDBS INSURANCE?
What happened at LDBS INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- C. le Grelle & C° CommV stepped down as director. NBB
- Coverspa NV stepped down as director. NBB
- Insurance Duwel Christiaens (I.D.C) BV stepped down as director. NBB
- Maxces Consulting BV stepped down as director. NBB
- Nota Bene BV stepped down as director. NBB
- SMR Consulting BV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 87,446 (▼ 34% vs 2024). Source: NBB ↗
- C. le Grelle & C° CommV became a director. NBB
In short
From € 16,687 profit in 2022 to € 87,446 profit in 2025.
Paid € 167,009 in corporate taxes since 2022.
Best year ever: 2023, with € 144,841 profit.
On average € 146,000 of value added per employee in 2025.
A new publication or filing at LDBS INSURANCE? 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 VERBEKE SHIPPING, MAXCES Consulting, SMETS CONSULTING, INSURANCE & FINANCE, Nota Bene, COVERSPA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LDBS INSURANCEThe shares are held by VERBEKE SHIPPING (20%), MAXCES Consulting (20%), SMETS CONSULTING, INSURANCE & FINANCE (10%), Nota Bene (10%) and COVERSPA (10%). It owns 100% of One Consulting Services BV itself.
Directors
According to the 2025 annual accounts
Director · represented by Christiaan le Grelle
since 2026 · until 2032
Director · represented by Olivier le Grelle
since 2023 · until 2029
Director · represented by Nick Bolsens
since 2023 · until 2029
Director · represented by Bart Raes
since 2023 · until 2029
Director · represented by Peter Bolsens
since 2026 · until 2032
Insurance Duwel Christiaens (I.D.C) BV
Director · represented by Philippe Duwel
since 2026 · until 2032
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Antwerpsesteenweg 253
2950 Kapellen
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0827.765.138
- VAT number
- BE 0827.765.138
- Registered office
- Antwerpsesteenweg 253, 2950 Kapellen
- Names & denominations
- LDBS INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 13 July 2010
- Peppol
- Active · Active since 26 Nov 2025
- Contact
- ldbs.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars