Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FVC VERZEKERINGEN from Brugge, company number BE0835300850, closed financial year 2025 with a result of € 49,782 after tax. For that financial year FVC VERZEKERINGEN recorded a gross margin of € 697,038 and equity of € 388,920. Compared with financial year 2024, the result moved from € 53,990 to € 49,782. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ 388,920
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 49,782
▼ 8% vs 2024
Profit after tax over the fiscal year.
€ 141,937
▼ 32% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 150,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
5.5
▲ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 375,449
▲ 19% vs 2024
€ 68,300 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.
€ 54,008
▲ 12% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 905,835
▼ 8% vs 2024
€ 154,716 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 24,683
▼ 77% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,003
▼ 22% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 580,729 | € 591,572 | € 600,979 | € 697,038 | ▲ 16% |
| Profit after taxes | € 79,404 | € 99,637 | € 53,990 | € 49,782 | ▼ 8% |
| Equity | € 335,510 | € 435,147 | € 489,137 | € 388,920 | ▼ 20% |
| Total debts | € 1,571,458 | € 1,240,270 | € 1,300,263 | € 1,121,969 | ▼ 14% |
| Cash | € 177,021 | € 298,503 | € 208,709 | € 141,937 | ▼ 32% |
| Land & buildings | € 817,210 | € 495,162 | € 467,047 | € 438,932 | ▼ 6% |
| Retained profit | € 271,510 | € 371,147 | € 425,137 | € 324,920 | ▼ 24% |
| Dividend | € 0 | € 0 | € 0 | € 150,000 | |
| Bank debt | € 1,512,857 | € 1,092,936 | € 987,414 | € 905,835 | ▼ 8% |
| Balance sheet total | € 1,906,968 | € 1,675,417 | € 1,789,400 | € 1,510,888 | ▼ 16% |
| Employees (FTE) | 4 | 3.9 | 4.6 | 5.5 | ▲ 0.9 |
Key figures of FVC 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 FVC VERZEKERINGEN?
What happened at FVC VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 49,782 (▼ 8% vs 2024). filed late Source: NBB ↗
- D'hondt Insurance Consulting BV became a director. NBB
- D & G BV became a director. NBB
- New establishment in Mouscron. KBO
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
In short
From € 79,404 profit in 2022 to € 49,782 profit in 2025.
Paid € 124,841 in corporate taxes since 2022.
Best year ever: 2023, with € 99,637 profit.
On average € 126,700 of value added per employee in 2025.
Management
The stake of D'HONDT INSURANCE CONSULTING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FVC VERZEKERINGENBehind FVC VERZEKERINGEN are D'hondt Insurance Consulting BV and D & G BV. The shares are held by D'HONDT INSURANCE CONSULTING (100%).
Directors
According to the 2025 annual accounts
D'hondt Insurance Consulting BV
Director · represented by Kurt D'hondt
Also active at: D'HONDT INSURANCE, D&G Patrimonium, ODETTE BRUGGE, FLUO VISUAL, Crème Glace
since 2024
Administrator-manager · represented by Leen Gezelle
Also active at: D'HONDT INSURANCE, D&G Patrimonium, ODETTE BRUGGE, FLUO VISUAL, Crème Glace, ABELUGA
since 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Gistelse Steenweg 302 box 1
8200 Brugge
Gustave Fachedreef(L) 3 box 1
7700 Mouscron
Active since 1 April 2019
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →D'HONDT INSURANCE same network
€ 2.2 million gross margin · 2025
De tandartsen
TOECAN
€ 289,239 gross margin · 2025
Crème Glace same network
€ -32,748 gross margin · 2025
D’HONDT INSURANCE GROUP
€ -549,159 gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0835.300.850
- VAT number
- BE 0835.300.850
- Registered office
- Gistelse Steenweg 302 bus 1, 8200 Brugge
- Names & denominations
- FVC VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 April 2011
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars