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 59 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Be-Sure from Malle, company number BE0864078671, closed financial year 2025 with a result of € 244,941 after tax. For that financial year Be-Sure recorded a gross margin of € 777,063 and equity of € 329,066. Compared with financial year 2024, the result moved from € 213,801 to € 244,941. 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 August 7, 2026.
€ 329,066
▲ 42% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 244,941
▲ 15% vs 2024
Profit after tax over the fiscal year.
€ 68,312
▼ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 148,400 paid out
61 % of the profit went to the shareholders, mostly to KRIS DUCHENE (50 % of the shares). That is where the money ends up.
People and assets in 2025
6.1
▲ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 380,450
€ 62,400 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.
€ 102,236
▲ 12% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 289,996
▲ 40% vs 2024
€ 48,128 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 42,814
▼ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 60,946
▲ 2% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 534,464 | € 652,828 | € 706,323 | € 777,063 | ▲ 10% |
| Profit after taxes | € 70,353 | € 118,021 | € 213,801 | € 244,941 | ▲ 15% |
| Equity | € 90,903 | € 138,724 | € 232,525 | € 329,066 | ▲ 42% |
| Total debts | € 697,358 | € 757,843 | € 464,051 | € 545,773 | ▲ 18% |
| Cash | € 15,725 | € 125,834 | € 78,757 | € 68,312 | ▼ 13% |
| Land & buildings | € 473,387 | € 356,799 | - | - | |
| Retained profit | € 72,303 | € 120,124 | € 213,925 | € 310,466 | ▲ 45% |
| Dividend | € 78,600 | € 70,200 | € 120,000 | € 148,400 | ▲ 24% |
| Bank debt | € 406,241 | € 407,027 | € 207,253 | € 289,996 | ▲ 40% |
| Balance sheet total | € 788,261 | € 896,567 | € 696,576 | € 874,839 | ▲ 26% |
| Employees (FTE) | 7.3 | 6.8 | 5.1 | 6.1 | ▲ 1 |
Key figures of Be-Sure, 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 Be-Sure?
What happened at Be-Sure in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 244,941 (▲ 15% vs 2024). filed late Source: NBB ↗
- New establishment in Malle. KBO
- Tim Van Rooy CommV became a director. NBB
- Kris Duchene BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 70,353 profit in 2022 to € 244,941 profit in 2025.
Paid € 209,297 in corporate taxes since 2022.
Best year ever: 2025, with € 244,941 profit.
On average € 127,400 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of KRIS DUCHENE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Be-SureBehind Be-Sure are Tim Van Rooy CommV and Kris Duchene BV. The shares are held by KRIS DUCHENE (50%).
Directors
According to the 2025 annual accounts
Administrator-manager · represented by Tim Van Rooy
since 2004
Administrator-manager · represented by Kris Duchene
since 2004
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Antwerpsesteenweg 369
2390 Malle
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0864.078.671
- VAT number
- BE 0864.078.671
- Registered office
- Antwerpsesteenweg 369, 2390 Malle
- Names & denominations
- Be-Sure
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 March 2004
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten