What does DHS Insurance Group do?

DHS Insurance Group is an insurance broker in Lommel. Private Limited, started on 18 July 2012, 2 establishments.

What is the address of DHS Insurance Group?

The registered office of DHS Insurance Group is located at Molsekiezel 229, 3920 Lommel.

Is DHS Insurance Group still active?

Yes. According to the CBE (30 October 2026) DHS Insurance Group is active, legal situation “Normale toestand”, started on 18 July 2012.

Is DHS Insurance Group registered on Peppol?

Yes, DHS Insurance Group is registered on the Peppol network with ID 0208:0847552445.

What is the enterprise number of DHS Insurance Group?

The enterprise number of DHS Insurance Group is BE0847552445.

When was DHS Insurance Group founded?

DHS Insurance Group was founded on 18 July 2012.

Who are the directors of DHS Insurance Group?

According to the 2025 annual accounts, the directors of DHS Insurance Group are: Spark Advies BVBA.

Is DHS Insurance Group a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 18 July 2012; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 2 establishments in the CBE.

How much profit did DHS Insurance Group make in 2025?

DHS Insurance Group posted a profit after taxes of € 30,283 in financial year 2025.

What is the revenue of DHS Insurance Group?

As a small company, DHS Insurance Group is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 707,501.

How much does an employee at DHS Insurance Group earn?

The average wage cost per full-time employee at DHS Insurance Group was € 89,900 in 2025: staff costs of € 539,614 for 6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does DHS Insurance Group have?

According to the 2025 annual accounts, DHS Insurance Group has 6 full-time equivalents (FTE).

DHS Insurance Group (Private Limited) - Lommel

Dossier DHS Insurance Group, printed on 30 October 2026 from databakkes.be/en/0847552445/dhs-insurance-group. 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.

Negative equity NBB

More debt than assets in 2 of the last 4 fiscal years.
Tight liquidity NBB

Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

DHS Insurance Group from Lommel, company number BE0847552445, closed financial year 2025 with a result of € 30,283 after tax. For that financial year DHS Insurance Group recorded a gross margin of € 707,501 and equity of € -41,729. Compared with financial year 2024, the result moved from € -88,536 to € 30,283. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 27, 2026.

What it is worth Caution

€ -41,729

▲ € 30,283 vs 2024

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

Profit Growing

€ 30,283

▲ still € 88,536 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 7,293

▼ 55% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € -47,929.

People and assets in 2025

Full-time equivalents

▲ 0.8 vs 2024

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

Wage cost

€ 539,614

▲ 44% vs 2024

€ 89,900 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

€ 60,565

▼ 36% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 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.

€ 393,238

▼ 19% vs 2024

€ 92,927 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 46,063

▼ 8% vs 2024

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

Taxes and wages

€ 55,755

▲ 12% 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	€ 434,202 Gross margin 2022: € 434,202 First fiscal year in the series	€ 463,539 Gross margin 2023: € 463,539 ▲ 7% vs 2022 (€ 434,202) Favourable step	€ 421,551 Gross margin 2024: € 421,551 ▼ 9% vs 2023 (€ 463,539) Unfavourable step	€ 707,501 Gross margin 2025: € 707,501 ▲ 68% vs 2024 (€ 421,551) Favourable step	▲ 68%
Profit after taxes	€ 16,813 Profit after taxes 2022: € 16,813 First fiscal year in the series	€ 11,827 Profit after taxes 2023: € 11,827 ▼ 30% vs 2022 (€ 16,813) Unfavourable step	€ -88,536 Profit after taxes 2024: € -88,536 ▼ € 100,364 vs 2023 (€ 11,827) Unfavourable step	€ 30,283 Profit after taxes 2025: € 30,283 ▲ € 118,819 vs 2024 (€ -88,536) Favourable step	▲ € 118,819
Equity	€ 4,698 Equity 2022: € 4,698 First fiscal year in the series	€ 16,525 Equity 2023: € 16,525 ▲ 252% vs 2022 (€ 4,698) Favourable step	€ -72,011 Equity 2024: € -72,011 ▼ € 88,536 vs 2023 (€ 16,525) Unfavourable step	€ -41,729 Equity 2025: € -41,729 ▲ € 30,283 vs 2024 (€ -72,011) Favourable step	▲ € 30,283
Total debts	€ 795,141 Total debts 2022: € 795,141 First fiscal year in the series	€ 730,450 Total debts 2023: € 730,450 ▼ 8% vs 2022 (€ 795,141) Favourable step	€ 616,338 Total debts 2024: € 616,338 ▼ 16% vs 2023 (€ 730,450) Favourable step	€ 496,773 Total debts 2025: € 496,773 ▼ 19% vs 2024 (€ 616,338) Favourable step	▼ 19%
Cash	€ 12,659 Cash 2022: € 12,659 First fiscal year in the series	€ 31,129 Cash 2023: € 31,129 ▲ 146% vs 2022 (€ 12,659) Favourable step	€ 16,352 Cash 2024: € 16,352 ▼ 47% vs 2023 (€ 31,129) Unfavourable step	€ 7,293 Cash 2025: € 7,293 ▼ 55% vs 2024 (€ 16,352) Unfavourable step	▼ 55%
Land & buildings	-	€ 9,559 Land & buildings 2023: € 9,559 First fiscal year in the series	-	-
Retained profit	€ -1,502 Retained profit 2022: € -1,502 First fiscal year in the series	€ 10,325 Retained profit 2023: € 10,325 ▲ € 11,827 vs 2022 (€ -1,502) Favourable step	€ -78,211 Retained profit 2024: € -78,211 ▼ € 88,536 vs 2023 (€ 10,325) Unfavourable step	€ -47,929 Retained profit 2025: € -47,929 ▲ € 30,283 vs 2024 (€ -78,211) Favourable step	▲ € 30,283
Bank debt	€ 659,196 Bank debt 2022: € 659,196 First fiscal year in the series	€ 572,629 Bank debt 2023: € 572,629 ▼ 13% vs 2022 (€ 659,196) Favourable step	€ 483,993 Bank debt 2024: € 483,993 ▼ 15% vs 2023 (€ 572,629) Favourable step	€ 393,238 Bank debt 2025: € 393,238 ▼ 19% vs 2024 (€ 483,993) Favourable step	▼ 19%
Balance sheet total	€ 799,839 Balance sheet total 2022: € 799,839 First fiscal year in the series	€ 746,975 Balance sheet total 2023: € 746,975 ▼ 7% vs 2022 (€ 799,839) Unchanged	€ 544,326 Balance sheet total 2024: € 544,326 ▼ 27% vs 2023 (€ 746,975) Unchanged	€ 455,044 Balance sheet total 2025: € 455,044 ▼ 16% vs 2024 (€ 544,326) Unchanged	▼ 16%
Employees (FTE)	5.3 Employees (FTE) 2022: 5.3 First fiscal year in the series	5 Employees (FTE) 2023: 5 ▼ 0.3 vs 2022 (5.3) Unchanged	5.2 Employees (FTE) 2024: 5.2 ▲ 0.2 vs 2023 (5) Unchanged	6 Employees (FTE) 2025: 6 ▲ 0.8 vs 2024 (5.2) Unchanged	▲ 0.8

Key figures of DHS Insurance Group, 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 DHS Insurance Group?

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

Jun 27, 2026 New annual accounts for financial year 2025: profit of € 30,283. Source: NBB ↗
Jun 1, 2025 New establishment in Hasselt. KBO
Jul 20, 2012 New establishment in Lommel. KBO
Jul 18, 2012 Start of the company according to the CBE. KBO

In short

From € 16,813 profit in 2022 to € 30,283 profit in 2025.

Paid € 15,737 in corporate taxes since 2022.

Best year ever: 2025, with € 30,283 profit.

On average € 117,900 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Spark Advies BVBA

DHS Insurance Group

Behind DHS Insurance Group is Spark Advies BVBA.

Directors

According to the 2025 annual accounts

Spark Advies BVBA

Director · represented by Manu Castro

Establishments

Establishment units

Physical locations of this company

Registered office

Molsekiezel 229

3920 Lommel

2.375.651.843

Kempische steenweg 155 box 0.01

3500 Hasselt

Active since 1 June 2025

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

Details

Company number: 0847.552.445
VAT number: BE 0847.552.445
Registered office: Molsekiezel 229, 3920 Lommel
Names & denominations: DHS Insurance Group
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 18 July 2012
Peppol: Active · Active since 12 Aug 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗