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 34 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Zakenkantoor SCHOUTERDEN & PAULUSSEN from Tongeren-Borgloon, company number BE0890314795, closed financial year 2025 with a result of € 334,903 after tax. For that financial year Zakenkantoor SCHOUTERDEN & PAULUSSEN recorded a gross margin of € 590,600 and equity of € 154,571. Compared with financial year 2024, the result moved from € 320,601 to € 334,903. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ 154,571
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 334,903
▲ 4% vs 2024
Profit after tax over the fiscal year.
€ 135,451
▼ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 334,500 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
3.1
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 183,418
▲ 33% vs 2024
€ 59,200 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.
€ 6,615
▲ € 5,615 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 411,662
▼ 15% vs 2024
€ 60,851 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 20,451
▲ 60% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 450,039 | € 466,712 | € 532,850 | € 590,600 | ▲ 11% |
| Profit after taxes | € 243,725 | € 262,914 | € 320,601 | € 334,903 | ▲ 4% |
| Equity | € 154,053 | € 154,067 | € 154,168 | € 154,571 | |
| Total debts | € 904,042 | € 840,124 | € 825,273 | € 772,297 | ▼ 6% |
| Cash | € 105,444 | € 97,451 | € 156,022 | € 135,451 | ▼ 13% |
| Land & buildings | € 649,830 | € 633,388 | € 615,566 | € 596,405 | ▼ 3% |
| Retained profit | € 147,853 | € 147,867 | € 147,968 | € 148,371 | |
| Dividend | € 243,700 | € 262,900 | € 320,500 | € 334,500 | ▲ 4% |
| Bank debt | € 632,700 | € 555,417 | € 484,009 | € 411,662 | ▼ 15% |
| Balance sheet total | € 1,058,095 | € 994,191 | € 979,441 | € 926,868 | ▼ 5% |
| Employees (FTE) | - | 2.9 | 2.8 | 3.1 | ▲ 0.3 |
Key figures of Zakenkantoor SCHOUTERDEN & PAULUSSEN, 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 Zakenkantoor SCHOUTERDEN & PAULUSSEN?
What happened at Zakenkantoor SCHOUTERDEN & PAULUSSEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 334,903 (▲ 4% vs 2024). Source: NBB ↗
- New establishment in Hasselt. KBO
- New establishment in Tongeren-Borgloon. KBO
- Start of the company according to the CBE. KBO
In short
From € 243,725 profit in 2022 to € 334,903 profit in 2025.
Paid € 17,749 in corporate taxes since 2022.
Best year ever: 2025, with € 334,903 profit.
On average € 190,500 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
Behind Zakenkantoor SCHOUTERDEN & PAULUSSEN are Schouterden Ben VOF, Jos Schouterden and Paulussen Ronnie VOF.
Directors
According to the 2025 annual accounts
Director · represented by Schouterden Ben
Jos Schouterden
Director
Director · represented by Paulussen Ronnie
Establishments
Establishment units
Physical locations of this company
Leopoldwal 54
3700 Tongeren-Borgloon
Kerkplein 19
3720 Hasselt
Active since 1 January 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0890.314.795
- VAT number
- BE 0890.314.795
- Registered office
- Leopoldwal 54, 3700 Tongeren-Borgloon
- Names & denominations
- Zakenkantoor SCHOUTERDEN & PAULUSSEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 June 2007
- Peppol
- Active · Active since 12 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven