Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 27 % of short-term debt in 2025; threshold 65 %.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
INSURANCE & FINANCIAL SOLUTIONS from Waterloo, company number BE0873151735, closed financial year 2025 with a result of € -37,425 after tax. For that financial year INSURANCE & FINANCIAL SOLUTIONS recorded revenue of € 315,032 and equity of € 220,483. Compared with financial year 2024, the result moved from € -21,844 to € -37,425. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 27, 2025.
€ 220,483
▼ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -37,425
▼ 71 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,951
▼ 58% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 200,483.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 56,254
▲ 1% vs 2024
€ 56,300 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.
€ 30,083
▼ 35% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 555,188
▼ 4% vs 2024
€ 25,363 is repaid this year. At this pace the long-term loan is gone in ≈ 22 years.
€ 8,447
▲ 74% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,847
▲ 68% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 344,066 | € 361,937 | € 377,303 | € 315,032 | ▼ 17% |
| Gross margin | € 104,903 | € 93,897 | € 112,424 | € 108,806 | ▼ 3% |
| Profit after taxes | € 24,588 | € -4,229 | € -21,844 | € -37,425 | ▼ € 15,581 |
| Equity | € 406,815 | € 402,586 | € 257,908 | € 220,483 | ▼ 15% |
| Total debts | € 14,237 | € 634,790 | € 586,714 | € 567,482 | ▼ 3% |
| Cash | € 217,569 | € 22,265 | € 9,329 | € 3,951 | ▼ 58% |
| Land & buildings | € 16,607 | € 720,420 | € 681,323 | € 655,429 | ▼ 4% |
| Retained profit | € 386,815 | € 382,586 | € 237,908 | € 200,483 | ▼ 16% |
| Dividend | € 0 | € 0 | € 122,835 | € 0 | ▼ 100% |
| Bank debt | € 0 | € 603,000 | € 579,567 | € 555,188 | ▼ 4% |
| Balance sheet total | € 421,052 | € 1,037,376 | € 844,622 | € 787,964 | ▼ 7% |
| Employees (FTE) | - | - | 1 | 1 |
Key figures of INSURANCE & FINANCIAL SOLUTIONS, 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 October 2026.
What happened to INSURANCE & FINANCIAL SOLUTIONS?
What happened at INSURANCE & FINANCIAL SOLUTIONS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 37,425. Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 24,588 profit in 2022 to € 37,425 loss in 2025.
Paid € 30,683 in corporate taxes since 2022.
Best year ever: 2022, with € 24,588 profit.
On average € 108,800 of value added per employee in 2025.
A new publication or filing at INSURANCE & FINANCIAL SOLUTIONS? We notify you, reason included.
Follow INSURANCE & FINANCIAL SOLUTIONSDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 FLOPANINE INTERNATIONAL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
INSURANCE & FINANCIAL SOLUTIONSBehind INSURANCE & FINANCIAL SOLUTIONS is FLOPANINE. The shares are held by FLOPANINE INTERNATIONAL (100%).
Directors
According to the 2025 annual accounts
Administrator-manager · represented by Patrick FRERES
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Chaussée de Bruxelles 143
1410 Waterloo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0873.151.735
- VAT number
- BE 0873.151.735
- Registered office
- Chaussée de Bruxelles 143, 1410 Waterloo
- Names & denominations
- INSURANCE & FINANCIAL SOLUTIONS · IN.FI SOL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 April 2005
- Peppol
- Not registered