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 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Fin-Insure B from Beveren, company number BE0846181280, closed financial year 2025 with a result of € 85,659 after tax. For that financial year Fin-Insure B recorded a gross margin of € 220,942 and equity of € 8,060. Compared with financial year 2024, the result moved from € 76,082 to € 85,659. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 10, 2026.
€ 8,060
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 85,659
▲ 13% vs 2024
Profit after tax over the fiscal year.
€ 26,411
▲ € 21,239 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 85,659 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 45,491
▲ 8% 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.
€ 32,038
▲ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 48,000
▼ 34% vs 2024
€ 24,000 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 2,232
▲ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 28,161
▲ 56% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 139,115 | € 194,362 | € 206,223 | € 220,942 | ▲ 7% |
| Profit after taxes | € 60,006 | € 55,111 | € 76,082 | € 85,659 | ▲ 13% |
| Equity | € 58,060 | € 8,060 | € 8,060 | € 8,060 | |
| Total debts | € 414,818 | € 394,699 | € 304,460 | € 274,053 | ▼ 10% |
| Cash | € 46,960 | € 12,354 | € 5,172 | € 26,411 | ▲ € 21,239 |
| Land & buildings | € 156,135 | € 137,347 | € 123,599 | € 109,851 | ▼ 11% |
| Retained profit | € 51,860 | € 1,860 | € 1,860 | € 1,860 | |
| Dividend | € 110,270 | € 105,111 | € 76,082 | € 85,659 | ▲ 13% |
| Bank debt | € 161,834 | € 111,305 | € 73,266 | € 48,000 | ▼ 34% |
| Balance sheet total | € 472,878 | € 402,759 | € 312,520 | € 282,113 | ▼ 10% |
Key figures of Fin-Insure B, 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 Fin-Insure B?
What happened at Fin-Insure B in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 85,659 (▲ 13% vs 2024). Source: NBB ↗
- New establishment in Beveren. KBO
- Start of the company according to the CBE. KBO
In short
From € 60,006 profit in 2022 to € 85,659 profit in 2025.
Paid € 96,409 in corporate taxes since 2022.
Best year ever: 2025, with € 85,659 profit.
Paid out € 377,123 in dividends to the owners in total.
Management
The stake of SDT Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Fin-Insure BBehind Fin-Insure B are EMCE FINANCE BV, RAL 9001 CommV and DUCTUS CommV. The shares are held by SDT Management (10%).
Directors
According to the 2025 annual accounts
Manager · represented by MIGUEL CLEMENT
Manager · represented by JOHAN MEERSMAN
Manager · represented by HILDE BAUWMANS
Shareholders
10%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Moretusstraat(BEV) 2 box 15
9120 Beveren
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0846.181.280
- VAT number
- BE 0846.181.280
- Registered office
- Moretusstraat(BEV) 2 bus 15, 9120 Beveren
- Names & denominations
- Fin-Insure B
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 May 2012
- Peppol
- Active · Active since 15 Jan 2026
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