Financials
Financial year 2025
BVC FINANCE & INSURANCE from Oostende, company number BE0881132756, closed financial year 2025 with a result of € 30,767 after tax. For that financial year BVC FINANCE & INSURANCE recorded a gross margin of € 234,722 and equity of € 339,935. Compared with financial year 2024, the result moved from € 118,210 to € 30,767. The company is profitable. 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 June 23, 2026.
€ 339,935
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 30,767
▼ 74% vs 2024
Profit after tax over the fiscal year.
€ 71,973
▼ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 223,035.
People and assets in 2025
€ 158,522
▲ 13% 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.
Debts at end 2025
€ 52,751
▼ 34% vs 2024
€ 29,669 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 22
▼ 99% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 19,446
▲ € 19,323 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 35,103 | € 26,956 | € 322,874 | € 234,722 | ▼ 27% |
| Profit after taxes | € 12,466 | € 5,224 | € 118,210 | € 30,767 | ▼ 74% |
| Equity | € 293,733 | € 293,957 | € 309,167 | € 339,935 | ▲ 10% |
| Total debts | € 588,377 | € 569,893 | € 186,784 | € 72,218 | ▼ 61% |
| Cash | € 11,095 | € 1,196 | € 132,119 | € 71,973 | ▼ 46% |
| Land & buildings | € 232,656 | € 223,805 | € 208,315 | € 199,464 | ▼ 4% |
| Retained profit | € 176,833 | € 177,057 | € 192,267 | € 223,035 | ▲ 16% |
| Dividend | € 10,000 | € 5,000 | € 103,000 | € 0 | ▼ 100% |
| Bank debt | € 518,090 | € 499,464 | € 79,717 | € 52,751 | ▼ 34% |
| Balance sheet total | € 882,110 | € 863,849 | € 495,951 | € 412,153 | ▼ 17% |
Key figures of BVC FINANCE & INSURANCE, 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 BVC FINANCE & INSURANCE?
What happened at BVC FINANCE & INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 30,767 (▼ 74% vs 2024). Source: NBB ↗
- Bvk Bank En Verzekeringen BV became a director. NBB
- Brouns Michael BV became a director. NBB
- Brouns Chris BV became a director. NBB
- Quality For Sure BV became a director. NBB
- New establishment in Oostende. KBO
- Start of the company according to the CBE. KBO
In short
From € 12,466 profit in 2022 to € 30,767 profit in 2025.
Paid € 26,565 in corporate taxes since 2022.
Best year ever: 2024, with € 118,210 profit.
Paid out € 118,000 in dividends to the owners in total.
A new publication or filing at BVC FINANCE & INSURANCE? We notify you, reason included.
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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 Quality For Sure comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BVC FINANCE & INSURANCEBehind BVC FINANCE & INSURANCE are Brouns Chris BV, Bvk Bank En Verzekeringen BV, Quality For Sure BV and Brouns Michael BV. The shares are held by Quality For Sure (35%).
Directors
According to the 2025 annual accounts
Director · represented by Brouns CHRISTIAN
Also active at: Kantoor Raes - Coene, Brouns en Van Keirsbilck Verzekeringen, Brouns en Van Keirsbilck Bank
since 2019
Director · represented by Van Keirsbilck Kristiaan
since 2020
Director · represented by Claeys NIEK
since 2016
Director · represented by Brouns MICHAEL
Also active at: Kantoor Raes - Coene, Brouns en Van Keirsbilck Bank
since 2020
Shareholders
35%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Torhoutsesteenweg 300 box 00.01
8400 Oostende
Torhoutsesteenweg 300 box 0.01
8400 Oostende
Active since 18 May 2006
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
- 0881.132.756
- VAT number
- BE 0881.132.756
- Registered office
- Torhoutsesteenweg 300 bus 00.01, 8400 Oostende
- Names & denominations
- BVC FINANCE & INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 May 2006
- Peppol
- Active · Active since 14 Apr 2025
- Contact
- 059/80 59 57
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Activiteiten van holdings
Holdings
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg
Overige zakelijke dienstverlening, neg
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