What does COVER-RISK-MANAGEMENT do?

COVER-RISK-MANAGEMENT is an insurance broker in Zaventem. Public Limited, started on 9 May 2006, 1 establishment.

What is the address of COVER-RISK-MANAGEMENT?

The registered office of COVER-RISK-MANAGEMENT is located at Romboutsstraat 1 box 1, 1932 Zaventem.

Is COVER-RISK-MANAGEMENT still active?

Yes. According to the CBE (29 October 2026) COVER-RISK-MANAGEMENT is active, legal situation “Normale toestand”, started on 9 May 2006.

Is COVER-RISK-MANAGEMENT registered on Peppol?

No, COVER-RISK-MANAGEMENT is currently not registered on the Peppol network.

What is the enterprise number of COVER-RISK-MANAGEMENT?

The enterprise number of COVER-RISK-MANAGEMENT is BE0881199666.

When was COVER-RISK-MANAGEMENT founded?

COVER-RISK-MANAGEMENT was founded on 9 May 2006.

Who are the directors of COVER-RISK-MANAGEMENT?

According to the 2024 annual accounts, the directors of COVER-RISK-MANAGEMENT are: Yves Huwart, Koen Anraed, Carlo Médo.

Is COVER-RISK-MANAGEMENT a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 9 May 2006; 4 annual accounts filed, latest fiscal year 2024; 3 directors known from the annual account.

How much profit did COVER-RISK-MANAGEMENT make in 2024?

COVER-RISK-MANAGEMENT recorded a loss after taxes of € 381,338 in financial year 2024.

What is the revenue of COVER-RISK-MANAGEMENT?

As a small company, COVER-RISK-MANAGEMENT is not required to publish revenue in its annual accounts. In financial year 2024, its added value was € -136,022.

How much does an employee at COVER-RISK-MANAGEMENT earn?

The average wage cost per full-time employee at COVER-RISK-MANAGEMENT was € 87,900 in 2024: staff costs of € 263,668 for 3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does COVER-RISK-MANAGEMENT have?

According to the 2024 annual accounts, COVER-RISK-MANAGEMENT has 3 full-time equivalents (FTE).

COVER-RISK-MANAGEMENT (Public Limited) - Zaventem

Dossier COVER-RISK-MANAGEMENT, printed on 29 October 2026 from databakkes.be/en/0881199666/cover-risk-management. 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 4 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2023 and 2024.
Tight liquidity NBB

Cash and receivables cover 8 % of short-term debt in 2024; threshold 65 %.
Late annual account NBB

Fiscal year 2024 was filed 251 days after the legal deadline.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2024

COVER-RISK-MANAGEMENT from Zaventem, company number BE0881199666, closed financial year 2024 with a result of € -381,338 after tax. For that financial year COVER-RISK-MANAGEMENT recorded a gross margin of € -136,022 and equity of € -1.8 million. Compared with financial year 2023, the result moved from € -353,597 to € -381,338. The company made a loss. 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 April 8, 2026.

What it is worth Caution

€ -1.8 million

▼ € 381,338 vs 2023

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

Loss Caution

€ -381,338

▼ 8 % more loss than in 2023

Profit after tax over the fiscal year.

Cash in the bank

€ 38,359

▼ 85% vs 2023

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

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -1.9 million.

People and assets in 2024

Full-time equivalents

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

Wage cost

€ 263,668

▲ 3% vs 2023

€ 87,900 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

€ 1,113

▼ 31% vs 2023

Book value of vehicles, furniture and equipment.

Debts at end 2024

Bank debt

€ 221,673

▲ 171% vs 2023

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 66,056

▲ 27% vs 2023

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

Taxes and wages

€ 32,494

▼ 20% vs 2023

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	2024	Change 2023 → 2024
Gross margin	€ 488,436 Gross margin 2021: € 488,436 First fiscal year in the series	€ -6,427 Gross margin 2022: € -6,427 ▼ € 494,863 vs 2021 (€ 488,436) Unfavourable step	€ -67,022 Gross margin 2023: € -67,022 ▼ € 60,595 vs 2022 (€ -6,427) Unfavourable step	€ -136,022 Gross margin 2024: € -136,022 ▼ € 68,999 vs 2023 (€ -67,022) Unfavourable step	▼ € 68,999
Profit after taxes	€ 246,186 Profit after taxes 2021: € 246,186 First fiscal year in the series	€ -288,250 Profit after taxes 2022: € -288,250 ▼ € 534,436 vs 2021 (€ 246,186) Unfavourable step	€ -353,597 Profit after taxes 2023: € -353,597 ▼ € 65,347 vs 2022 (€ -288,250) Unfavourable step	€ -381,338 Profit after taxes 2024: € -381,338 ▼ € 27,741 vs 2023 (€ -353,597) Unfavourable step	▼ € 27,741
Equity	€ -769,091 Equity 2021: € -769,091 First fiscal year in the series	€ -1,057,340 Equity 2022: € -1,057,340 ▼ € 288,250 vs 2021 (€ -769,091) Unfavourable step	€ -1,410,937 Equity 2023: € -1,410,937 ▼ € 353,597 vs 2022 (€ -1,057,340) Unfavourable step	€ -1,792,275 Equity 2024: € -1,792,275 ▼ € 381,338 vs 2023 (€ -1,410,937) Unfavourable step	▼ € 381,338
Total debts	€ 1,292,912 Total debts 2021: € 1,292,912 First fiscal year in the series	€ 1,463,856 Total debts 2022: € 1,463,856 ▲ 13% vs 2021 (€ 1,292,912) Unfavourable step	€ 1,812,190 Total debts 2023: € 1,812,190 ▲ 24% vs 2022 (€ 1,463,856) Unfavourable step	€ 1,959,026 Total debts 2024: € 1,959,026 ▲ 8% vs 2023 (€ 1,812,190) Unfavourable step	▲ 8%
Cash	€ 252,916 Cash 2021: € 252,916 First fiscal year in the series	€ 25,044 Cash 2022: € 25,044 ▼ 90% vs 2021 (€ 252,916) Unfavourable step	€ 247,579 Cash 2023: € 247,579 ▲ € 222,536 vs 2022 (€ 25,044) Favourable step	€ 38,359 Cash 2024: € 38,359 ▼ 85% vs 2023 (€ 247,579) Unfavourable step	▼ 85%
Retained profit	€ -844,091 Retained profit 2021: € -844,091 First fiscal year in the series	€ -1,132,340 Retained profit 2022: € -1,132,340 ▼ € 288,250 vs 2021 (€ -844,091) Unfavourable step	€ -1,485,937 Retained profit 2023: € -1,485,937 ▼ € 353,597 vs 2022 (€ -1,132,340) Unfavourable step	€ -1,867,275 Retained profit 2024: € -1,867,275 ▼ € 381,338 vs 2023 (€ -1,485,937) Unfavourable step	▼ € 381,338
Bank debt	€ 0 Bank debt 2021: € 0 First fiscal year in the series	€ 0 Bank debt 2022: € 0 Unchanged (€ 0) Unchanged	€ 81,669 Bank debt 2023: € 81,669 Unchanged (€ 0) Unfavourable step	€ 221,673 Bank debt 2024: € 221,673 ▲ 171% vs 2023 (€ 81,669) Unfavourable step	▲ 171%
Balance sheet total	€ 523,822 Balance sheet total 2021: € 523,822 First fiscal year in the series	€ 406,515 Balance sheet total 2022: € 406,515 ▼ 22% vs 2021 (€ 523,822) Unchanged	€ 401,252 Balance sheet total 2023: € 401,252 ▼ 1% vs 2022 (€ 406,515) Unchanged	€ 166,751 Balance sheet total 2024: € 166,751 ▼ 58% vs 2023 (€ 401,252) Unchanged	▼ 58%
Employees (FTE)	2.8 Employees (FTE) 2021: 2.8 First fiscal year in the series	3 Employees (FTE) 2022: 3 ▲ 0.2 vs 2021 (2.8) Unchanged	3 Employees (FTE) 2023: 3 Unchanged (3) Unchanged	3 Employees (FTE) 2024: 3 Unchanged (3) Unchanged

Key figures of COVER-RISK-MANAGEMENT, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.

What happened to COVER-RISK-MANAGEMENT?

What happened at COVER-RISK-MANAGEMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2030 Koen Anraed stepped down as director. NBB
2030 Carlo Médo stepped down as director. NBB
2028 Yves Huwart stepped down as director. NBB
Apr 8, 2026 New annual accounts for financial year 2024: loss of € 381,338. filed late Source: NBB ↗
2024 Koen Anraed became a director. NBB
2024 Carlo Médo became a director. NBB
2022 Yves Huwart became a director. NBB
Oct 6, 2006 New establishment in Zaventem. KBO

In short

From € 246,186 profit in 2021 to € 381,338 loss in 2024.

Best year ever: 2021, with € 246,186 profit.

On average € 174,400 of value added per employee in 2021.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2024 annual accounts

Yves Huwart

Director

Also active at: FORMATIO

since 2022 · until 2028

Koen Anraed

Director

since 2024 · until 2030

Carlo Médo

Director

Also active at: Nationaal Syndicaat van het Politie- en Veiligheidspersoneel

since 2024 · until 2030

Establishments

Establishment units

Physical locations of this company

Registered office

Romboutsstraat 1 box 1

1932 Zaventem

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.

All companies at this address →

FORMATIO same network

€ 147,482 gross margin · 2024

Nationale Gewerkschaft des Polizei- und Sicherheitspersonals same network

€ 1.3 million gross margin · 2025

Solidarité

Praemium

PREMIERE

+1 more

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

Details

Company number

0881.199.666

VAT number

BE 0881.199.666

Registered office

Romboutsstraat 1 bus 1, 1932 Zaventem

Names & denominations

COVER-RISK-MANAGEMENT

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

9 May 2006

Peppol

Not registered

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

COVER-RISK-MANAGEMENT

Warning lights

Financials

What happened to COVER-RISK-MANAGEMENT?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions