vdcd is an insurance broker in Destelbergen. Private Limited, started on 11 July 2012, 1 establishment.

What is the address of vdcd?

The registered office of vdcd is located at Notaxlaan 25, 9070 Destelbergen.

Is vdcd still active?

Yes. According to the CBE (31 October 2026) vdcd is active, legal situation “Normale toestand”, started on 11 July 2012.

Is vdcd registered on Peppol?

Yes, vdcd is registered on the Peppol network with ID 0208:0847467422.

What is the enterprise number of vdcd?

The enterprise number of vdcd is BE0847467422.

When was vdcd founded?

vdcd was founded on 11 July 2012.

Who are the directors of vdcd?

According to the 2025 annual accounts, the directors of vdcd are: Mireille Denis, Jan Van der Cruyssen, Niels Van der Cruyssen.

Is vdcd a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 11 July 2012; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did vdcd make in 2025?

vdcd posted a profit after taxes of € 679,849 in financial year 2025.

What is the revenue of vdcd?

As a small company, vdcd is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,414,964.

How much does an employee at vdcd earn?

The average wage cost per full-time employee at vdcd was € 73,900 in 2025: staff costs of € 576,374 for 7.8 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does vdcd have?

According to the 2025 annual accounts, vdcd has 7.8 full-time equivalents (FTE).

vdcd (Private Limited) - Destelbergen - BE0847467422

Dossier vdcd, printed on 31 October 2026 from databakkes.be/en/0847467422/vdcd. 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.

Tight liquidity NBB

Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

vdcd from Destelbergen, company number BE0847467422, closed financial year 2025 with a result of € 679,849 after tax. For that financial year vdcd recorded a gross margin of € 1.4 million and equity of € 2.7 million. Compared with financial year 2024, the result moved from € 460,441 to € 679,849. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 28, 2026.

What it is worth Growing

€ 2.7 million

▲ 19% vs 2024

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

Profit Growing

€ 679,849

▲ 48% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 165,819

▲ 26% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 250,747 paid out

37 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

7.8

▲ 0.3 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 576,374

▲ 9% vs 2024

€ 73,900 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.

Vehicles and equipment

€ 209,826

▼ 27% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 3 million

▼ 1% vs 2024

€ 478,542 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 10,052

▼ 81% vs 2024

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

Taxes and wages

€ 231,587

▲ 31% 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	€ 1,165,265 Gross margin 2022: € 1,165,265 First fiscal year in the series	€ 1,239,926 Gross margin 2023: € 1,239,926 ▲ 6% vs 2022 (€ 1,165,265) Favourable step	€ 1,494,423 Gross margin 2024: € 1,494,423 ▲ 21% vs 2023 (€ 1,239,926) Favourable step	€ 1,414,964 Gross margin 2025: € 1,414,964 ▼ 5% vs 2024 (€ 1,494,423) Unfavourable step	▼ 5%
Profit after taxes	€ 342,922 Profit after taxes 2022: € 342,922 First fiscal year in the series	€ 281,423 Profit after taxes 2023: € 281,423 ▼ 18% vs 2022 (€ 342,922) Unfavourable step	€ 460,441 Profit after taxes 2024: € 460,441 ▲ 64% vs 2023 (€ 281,423) Favourable step	€ 679,849 Profit after taxes 2025: € 679,849 ▲ 48% vs 2024 (€ 460,441) Favourable step	▲ 48%
Equity	€ 1,727,280 Equity 2022: € 1,727,280 First fiscal year in the series	€ 2,008,703 Equity 2023: € 2,008,703 ▲ 16% vs 2022 (€ 1,727,280) Favourable step	€ 2,261,096 Equity 2024: € 2,261,096 ▲ 13% vs 2023 (€ 2,008,703) Favourable step	€ 2,690,199 Equity 2025: € 2,690,199 ▲ 19% vs 2024 (€ 2,261,096) Favourable step	▲ 19%
Total debts	€ 1,319,782 Total debts 2022: € 1,319,782 First fiscal year in the series	€ 1,452,504 Total debts 2023: € 1,452,504 ▲ 10% vs 2022 (€ 1,319,782) Unfavourable step	€ 3,852,130 Total debts 2024: € 3,852,130 ▲ 165% vs 2023 (€ 1,452,504) Unfavourable step	€ 3,843,482 Total debts 2025: € 3,843,482 Unchanged (€ 3,852,130) Favourable step
Cash	€ 224,160 Cash 2022: € 224,160 First fiscal year in the series	€ 306,165 Cash 2023: € 306,165 ▲ 37% vs 2022 (€ 224,160) Favourable step	€ 131,553 Cash 2024: € 131,553 ▼ 57% vs 2023 (€ 306,165) Unfavourable step	€ 165,819 Cash 2025: € 165,819 ▲ 26% vs 2024 (€ 131,553) Favourable step	▲ 26%
Land & buildings	€ 1,157,557 Land & buildings 2022: € 1,157,557 First fiscal year in the series	€ 1,292,927 Land & buildings 2023: € 1,292,927 ▲ 12% vs 2022 (€ 1,157,557) Unchanged	€ 1,495,218 Land & buildings 2024: € 1,495,218 ▲ 16% vs 2023 (€ 1,292,927) Unchanged	€ 1,702,828 Land & buildings 2025: € 1,702,828 ▲ 14% vs 2024 (€ 1,495,218) Unchanged	▲ 14%
Retained profit	€ 1,691,145 Retained profit 2022: € 1,691,145 First fiscal year in the series	€ 1,972,568 Retained profit 2023: € 1,972,568 ▲ 17% vs 2022 (€ 1,691,145) Favourable step	€ 2,254,896 Retained profit 2024: € 2,254,896 ▲ 14% vs 2023 (€ 1,972,568) Favourable step	€ 2,683,999 Retained profit 2025: € 2,683,999 ▲ 19% vs 2024 (€ 2,254,896) Favourable step	▲ 19%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 178,113 Dividend 2024: € 178,113 Unchanged (€ 0) Unchanged	€ 250,747 Dividend 2025: € 250,747 ▲ 41% vs 2024 (€ 178,113) Unchanged	▲ 41%
Bank debt	€ 1,190,418 Bank debt 2022: € 1,190,418 First fiscal year in the series	€ 1,284,175 Bank debt 2023: € 1,284,175 ▲ 8% vs 2022 (€ 1,190,418) Unfavourable step	€ 3,061,873 Bank debt 2024: € 3,061,873 ▲ 138% vs 2023 (€ 1,284,175) Unfavourable step	€ 3,038,181 Bank debt 2025: € 3,038,181 ▼ 1% vs 2024 (€ 3,061,873) Favourable step	▼ 1%
Balance sheet total	€ 3,047,062 Balance sheet total 2022: € 3,047,062 First fiscal year in the series	€ 3,461,207 Balance sheet total 2023: € 3,461,207 ▲ 14% vs 2022 (€ 3,047,062) Unchanged	€ 6,113,227 Balance sheet total 2024: € 6,113,227 ▲ 77% vs 2023 (€ 3,461,207) Unchanged	€ 6,533,682 Balance sheet total 2025: € 6,533,682 ▲ 7% vs 2024 (€ 6,113,227) Unchanged	▲ 7%
Employees (FTE)	7.3 Employees (FTE) 2022: 7.3 First fiscal year in the series	7.5 Employees (FTE) 2023: 7.5 ▲ 0.2 vs 2022 (7.3) Unchanged	7.5 Employees (FTE) 2024: 7.5 Unchanged (7.5) Unchanged	7.8 Employees (FTE) 2025: 7.8 ▲ 0.3 vs 2024 (7.5) Unchanged	▲ 0.3

Key figures of vdcd, 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 vdcd?

What happened at vdcd in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 28, 2026 New annual accounts for financial year 2025: profit of € 679,849 (▲ 48% vs 2024). filed late Source: NBB ↗
Aug 1, 2012 New establishment in Gent. KBO
Jul 11, 2012 Start of the company according to the CBE. KBO

In short

From € 342,922 profit in 2022 to € 679,849 profit in 2025.

Paid € 714,503 in corporate taxes since 2022.

Best year ever: 2025, with € 679,849 profit.

On average € 181,400 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Mireille Denis

Jan Van der Cruyssen

Niels Van der Cruyssen

vdcd

Zakenkantoor De Koning 100%

RBKB 89%

Behind vdcd are Mireille Denis, Jan Van der Cruyssen and Niels Van der Cruyssen. It owns 100% of Zakenkantoor De Koning and 89% of RBKB itself.

Directors

According to the 2025 annual accounts

Mireille Denis

Director

Also active at: JEAN DENIS

Jan Van der Cruyssen

Director

Also active at: JEAN DENIS

Niels Van der Cruyssen

Director

Also active at: ZAKENKANTOOR DE KONING, REGIONAAL BUREAU VOOR KREDIET EN BELEGGINGEN

Establishments

Establishment units

Physical locations of this company

Registered office

Notaxlaan 25

9070 Destelbergen

2.211.297.320

Moleneinde 42

9042 Gent

Active since 1 August 2012

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

Details

Company number

0847.467.422

VAT number

BE 0847.467.422

Registered office

Notaxlaan 25, 9070 Destelbergen

Names & denominations

vdcd · ZAKENKANTOOR VAN DER CRUYSEN-DENIS

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

11 July 2012

Peppol

Active · Active since 19 Mar 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Agenten en makelaars in bankdiensten

Productie van elektriciteit uit hernieuwbare bronnen

Opslag van elektriciteit

View on CBE Public ↗ Annual accounts (NBB) ↗

vdcd

Warning lights

Financials

What happened to vdcd?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions