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 58 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ANJER VERZEKERINGEN OOSTENDE from Oostende, company number BE0840889535, closed financial year 2025 with a result of € 573,326 after tax. For that financial year ANJER VERZEKERINGEN OOSTENDE recorded a gross margin of € 994,037 and equity of € 380,736. Compared with financial year 2024, the result moved from € 414,044 to € 573,326. 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 May 15, 2026.
€ 380,736
▲ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 573,326
▲ 38% vs 2024
Profit after tax over the fiscal year.
€ 266,803
▼ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 515,345 paid out
90 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4.3
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 283,645
▲ 9% vs 2024
€ 66,000 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.
€ 37,706
▲ € 34,520 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 104,595
▲ 29% vs 2024
€ 21,371 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 40,069
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 71,117
▲ 31% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 850,716 | € 1,014,940 | € 805,190 | € 994,037 | ▲ 23% |
| Profit after taxes | € 431,139 | € 610,019 | € 414,044 | € 573,326 | ▲ 38% |
| Equity | € 318,638 | € 385,366 | € 326,068 | € 380,736 | ▲ 17% |
| Total debts | € 801,692 | € 815,715 | € 654,183 | € 737,245 | ▲ 13% |
| Cash | € 543,510 | € 199,845 | € 475,678 | € 266,803 | ▼ 44% |
| Retained profit | € 312,438 | € 379,166 | € 319,868 | € 374,536 | ▲ 17% |
| Dividend | € 423,193 | € 539,291 | € 469,842 | € 515,345 | ▲ 10% |
| Bank debt | € 280,300 | € 180,028 | € 81,258 | € 104,595 | ▲ 29% |
| Balance sheet total | € 1,120,330 | € 1,201,081 | € 980,251 | € 1,117,981 | ▲ 14% |
| Employees (FTE) | 4.1 | 4.2 | 4.2 | 4.3 | ▲ 0.1 |
Key figures of ANJER VERZEKERINGEN OOSTENDE, 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 ANJER VERZEKERINGEN OOSTENDE?
What happened at ANJER VERZEKERINGEN OOSTENDE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 573,326 (▲ 38% vs 2024). Source: NBB ↗
- New establishment in Oostende. KBO
- FORTASSUR BV became a director. NBB
- New establishment in Oostende. KBO
- TOM MISSAULT COMMV became a director. NBB
- ARNE DESPIERRE VOF became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 431,139 profit in 2022 to € 573,326 profit in 2025.
Paid € 177,608 in corporate taxes since 2022.
Best year ever: 2023, with € 610,019 profit.
On average € 231,200 of value added per employee in 2025.
Management
The stake of FortAssur comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ANJER VERZEKERINGEN OOSTENDEBehind ANJER VERZEKERINGEN OOSTENDE are TOM MISSAULT COMMV, FORTASSUR BV and ARNE DESPIERRE VOF. The shares are held by FortAssur (33.3%). It owns 9.1% of Hypo-Expert itself.
Directors
According to the 2025 annual accounts
Director · represented by Tom Missault
since 2011
Director · represented by Nico Fortie
since 2020
Director · represented by Arne Despierre
since 2011
Shareholders
33.3%
Participations
9.1%
Establishments
Establishment units
Physical locations of this company
Gistelsesteenweg 417
8400 Oostende
Gistelsesteenweg 417 A
8400 Oostende
Active since 17 November 2011
Victorialaan 3 box B
8400 Oostende
Active since 1 May 2025
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.
Details
- Company number
- 0840.889.535
- VAT number
- BE 0840.889.535
- Registered office
- Gistelsesteenweg 417, 8400 Oostende
- Names & denominations
- ANJER VERZEKERINGEN OOSTENDE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 November 2011
- Peppol
- Active · Active since 13 Aug 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars