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 13 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BEHEERS - EN VERZEKERINGSKANTOOR WELO from Westerlo, company number BE0892955868, closed financial year 2025 with a result of € -20,889 after tax. For that financial year BEHEERS - EN VERZEKERINGSKANTOOR WELO recorded a gross margin of € 241,066 and equity of € 201,541. Compared with financial year 2024, the result moved from € -42,881 to € -20,889. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 12, 2026.
€ 201,541
▼ 9% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -20,889
▲ 51 % less loss than in 2024
Profit after tax over the fiscal year.
€ 6,098
▲ 22% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 195,341.
People and assets in 2025
3.4
Average over the fiscal year, from the social balance sheet.
€ 206,459
▲ 18% vs 2024
€ 60,700 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.
€ 29,331
▼ 14% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 144,221
▼ 17% vs 2024
€ 1,703 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 16,019
▲ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,572
▲ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 114,782 | € 214,718 | € 194,746 | € 241,066 | ▲ 24% |
| Profit after taxes | € 9,534 | € 55,386 | € -42,881 | € -20,889 | ▲ € 21,992 |
| Equity | € 209,925 | € 265,311 | € 222,430 | € 201,541 | ▼ 9% |
| Total debts | € 269,401 | € 251,855 | € 257,290 | € 231,829 | ▼ 10% |
| Cash | € 16,005 | € 32,715 | € 5,005 | € 6,098 | ▲ 22% |
| Retained profit | € 203,725 | € 259,111 | € 216,230 | € 195,341 | ▼ 10% |
| Bank debt | € 205,017 | € 180,000 | € 174,702 | € 144,221 | ▼ 17% |
| Balance sheet total | € 479,326 | € 517,165 | € 479,720 | € 433,370 | ▼ 10% |
| Employees (FTE) | 2.3 | 2.5 | 3.4 | 3.4 |
Key figures of BEHEERS - EN VERZEKERINGSKANTOOR WELO, 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 BEHEERS - EN VERZEKERINGSKANTOOR WELO?
What happened at BEHEERS - EN VERZEKERINGSKANTOOR WELO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 20,889. Source: NBB ↗
- LIBO-INVEST BV became a director. NBB
- New establishment in Westerlo. KBO
- Start of the company according to the CBE. KBO
In short
From € 9,534 profit in 2022 to € 20,889 loss in 2025.
Paid € 1,155 in corporate taxes since 2022.
Best year ever: 2023, with € 55,386 profit.
On average € 70,900 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 Libo Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BEHEERS - EN VERZEKERINGSKANTOOR WELOBehind BEHEERS - EN VERZEKERINGSKANTOOR WELO is LIBO-INVEST BV. The shares are held by Libo Invest (100%).
Directors
According to the 2025 annual accounts
Director · represented by Gitte NIJS
since 2016
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Olenseweg 298
2260 Westerlo
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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
LCPDCO LCP AS dc oostkamp, BE
Website info
Features
Security
Details
- Company number
- 0892.955.868
- VAT number
- BE 0892.955.868
- Registered office
- Olenseweg 298, 2260 Westerlo
- Names & denominations
- BEHEERS - EN VERZEKERINGSKANTOOR WELO · B.V.W.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 October 2007
- Peppol
- Active · Active since 13 Nov 2025
- Contact
- bvw-welo.be [email protected]
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars