What does De Verzekeraer do?

De Verzekeraer is an insurance broker in Brugge. Public Limited, started on 28 January 2008, 2 establishments.

What is the address of De Verzekeraer?

The registered office of De Verzekeraer is located at Torhoutse Steenweg 340a, 8200 Brugge.

Is De Verzekeraer still active?

Yes. According to the CBE (31 October 2026) De Verzekeraer is active, legal situation “Normale toestand”, started on 28 January 2008.

Is De Verzekeraer registered on Peppol?

Yes, De Verzekeraer is registered on the Peppol network with ID 0208:0895334942.

What is the enterprise number of De Verzekeraer?

The enterprise number of De Verzekeraer is BE0895334942.

When was De Verzekeraer founded?

De Verzekeraer was founded on 28 January 2008.

Who are the directors of De Verzekeraer?

According to the 2025 annual accounts, the directors of De Verzekeraer are: Lynn Decroock, Tifanie Vermeersch, Moeraert Consulting CommV, Frank Decroock, Kris Holvoet, Olivier Poppe, Stefan Roman bv.

Is De Verzekeraer a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 28 January 2008; 4 annual accounts filed, latest fiscal year 2025; 7 directors known from the annual account; 2 establishments in the CBE.

How much profit did De Verzekeraer make in 2025?

De Verzekeraer posted a profit after taxes of € 429,062 in financial year 2025.

What is the revenue of De Verzekeraer?

As a small company, De Verzekeraer is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,527,308.

How much does an employee at De Verzekeraer earn?

The average wage cost per full-time employee at De Verzekeraer was € 57,700 in 2025: staff costs of € 524,650 for 9.1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does De Verzekeraer have?

According to the 2025 annual accounts, De Verzekeraer has 9.1 full-time equivalents (FTE).

De Verzekeraer (Public Limited) - Brugge - BE0895334942

Dossier De Verzekeraer, printed on 1 November 2026 from databakkes.be/en/0895334942/de-verzekeraer. 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.

Tight liquidity NBB

Cash and receivables cover 36 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

De Verzekeraer from Brugge, company number BE0895334942, closed financial year 2025 with a result of € 429,062 after tax. For that financial year De Verzekeraer recorded a gross margin of € 1.5 million and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 436,297 to € 429,062. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on May 11, 2026.

What it is worth Healthy

€ 1.2 million

▼ 26% vs 2024

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

Profit Healthy

€ 429,062

▼ 2% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 464,560

▼ 24% vs 2024

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

Where the profit goes Pays out

€ 864,000 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

9.1

▲ 1.2 vs 2024

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

Wage cost

€ 524,650

▲ 17% vs 2024

€ 57,700 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.

Vehicles and equipment

€ 37,001

▲ 6% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 2.7 million

▼ 5% vs 2024

€ 480,727 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 6,311

▲ 171% vs 2024

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

Taxes and wages

€ 147,509

▼ 11% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2024	2025	Change 2024 → 2025
Gross margin	€ 1,040,040 Gross margin 2021: € 1,040,040 First fiscal year in the series	€ 1,125,869 Gross margin 2022: € 1,125,869 ▲ 8% vs 2021 (€ 1,040,040) Favourable step	€ 1,435,032 Gross margin 2024: € 1,435,032 ▲ 27% vs 2022 (€ 1,125,869) Favourable step	€ 1,527,308 Gross margin 2025: € 1,527,308 ▲ 6% vs 2024 (€ 1,435,032) Favourable step	▲ 6%
Profit after taxes	€ 342,924 Profit after taxes 2021: € 342,924 First fiscal year in the series	€ 313,052 Profit after taxes 2022: € 313,052 ▼ 9% vs 2021 (€ 342,924) Unfavourable step	€ 436,297 Profit after taxes 2024: € 436,297 ▲ 39% vs 2022 (€ 313,052) Favourable step	€ 429,062 Profit after taxes 2025: € 429,062 ▼ 2% vs 2024 (€ 436,297) Unfavourable step	▼ 2%
Equity	€ 1,335,278 Equity 2021: € 1,335,278 First fiscal year in the series	€ 1,528,329 Equity 2022: € 1,528,329 ▲ 14% vs 2021 (€ 1,335,278) Favourable step	€ 1,653,615 Equity 2024: € 1,653,615 ▲ 8% vs 2022 (€ 1,528,329) Favourable step	€ 1,218,677 Equity 2025: € 1,218,677 ▼ 26% vs 2024 (€ 1,653,615) Unfavourable step	▼ 26%
Total debts	€ 2,106,422 Total debts 2021: € 2,106,422 First fiscal year in the series	€ 3,433,002 Total debts 2022: € 3,433,002 ▲ 63% vs 2021 (€ 2,106,422) Unfavourable step	€ 3,803,939 Total debts 2024: € 3,803,939 ▲ 11% vs 2022 (€ 3,433,002) Unfavourable step	€ 3,895,058 Total debts 2025: € 3,895,058 ▲ 2% vs 2024 (€ 3,803,939) Unfavourable step	▲ 2%
Cash	€ 295,560 Cash 2021: € 295,560 First fiscal year in the series	€ 736,475 Cash 2022: € 736,475 ▲ 149% vs 2021 (€ 295,560) Favourable step	€ 611,307 Cash 2024: € 611,307 ▼ 17% vs 2022 (€ 736,475) Unfavourable step	€ 464,560 Cash 2025: € 464,560 ▼ 24% vs 2024 (€ 611,307) Unfavourable step	▼ 24%
Land & buildings	€ 887,188 Land & buildings 2021: € 887,188 First fiscal year in the series	€ 1,952,145 Land & buildings 2022: € 1,952,145 ▲ 120% vs 2021 (€ 887,188) Unchanged	€ 2,224,554 Land & buildings 2024: € 2,224,554 ▲ 14% vs 2022 (€ 1,952,145) Unchanged	€ 2,169,982 Land & buildings 2025: € 2,169,982 ▼ 2% vs 2024 (€ 2,224,554) Unchanged	▼ 2%
Retained profit	€ 1,273,778 Retained profit 2021: € 1,273,778 First fiscal year in the series	€ 1,466,829 Retained profit 2022: € 1,466,829 ▲ 15% vs 2021 (€ 1,273,778) Favourable step	€ 1,592,115 Retained profit 2024: € 1,592,115 ▲ 9% vs 2022 (€ 1,466,829) Favourable step	€ 1,157,177 Retained profit 2025: € 1,157,177 ▼ 27% vs 2024 (€ 1,592,115) Unfavourable step	▼ 27%
Dividend	€ 270,000 Dividend 2021: € 270,000 First fiscal year in the series	€ 120,000 Dividend 2022: € 120,000 ▼ 56% vs 2021 (€ 270,000) Unchanged	€ 318,000 Dividend 2024: € 318,000 ▲ 165% vs 2022 (€ 120,000) Unchanged	€ 864,000 Dividend 2025: € 864,000 ▲ 172% vs 2024 (€ 318,000) Unchanged	▲ 172%
Bank debt	€ 1,715,319 Bank debt 2021: € 1,715,319 First fiscal year in the series	€ 2,982,632 Bank debt 2022: € 2,982,632 ▲ 74% vs 2021 (€ 1,715,319) Unfavourable step	€ 2,793,728 Bank debt 2024: € 2,793,728 ▼ 6% vs 2022 (€ 2,982,632) Favourable step	€ 2,651,208 Bank debt 2025: € 2,651,208 ▼ 5% vs 2024 (€ 2,793,728) Favourable step	▼ 5%
Balance sheet total	€ 3,441,700 Balance sheet total 2021: € 3,441,700 First fiscal year in the series	€ 4,961,331 Balance sheet total 2022: € 4,961,331 ▲ 44% vs 2021 (€ 3,441,700) Unchanged	€ 5,457,553 Balance sheet total 2024: € 5,457,553 ▲ 10% vs 2022 (€ 4,961,331) Unchanged	€ 5,113,734 Balance sheet total 2025: € 5,113,734 ▼ 6% vs 2024 (€ 5,457,553) Unchanged	▼ 6%
Employees (FTE)	5.5 Employees (FTE) 2021: 5.5 First fiscal year in the series	6.5 Employees (FTE) 2022: 6.5 ▲ 1 vs 2021 (5.5) Unchanged	7.9 Employees (FTE) 2024: 7.9 ▲ 1.4 vs 2022 (6.5) Unchanged	9.1 Employees (FTE) 2025: 9.1 ▲ 1.2 vs 2024 (7.9) Unchanged	▲ 1.2

Key figures of De Verzekeraer, fiscal years 2021 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 De Verzekeraer?

What happened at De Verzekeraer in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2029 Olivier Poppe stepped down as director. NBB
2029 Lynn Decroock stepped down as director. NBB
2029 Tifanie Vermeersch stepped down as director. NBB
2029 Moeraert Consulting CommV stepped down as director. NBB
2029 Frank Decroock stepped down as director. NBB
2029 Kris Holvoet stepped down as director. NBB
2029 Stefan Roman bv stepped down as director. NBB
May 11, 2026 New annual accounts for financial year 2025: profit of € 429,062 (▼ 2% vs 2024). Source: NBB ↗

In short

From € 342,924 profit in 2021 to € 429,062 profit in 2025.

Paid € 711,632 in corporate taxes since 2021.

Best year ever: 2024, with € 436,297 profit.

On average € 167,800 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2025 annual accounts

Lynn Decroock

Managing director

since 2023 · until 2029

Tifanie Vermeersch

Managing director

since 2023 · until 2029

Moeraert Consulting CommV

Director · represented by Wim Moeraert

since 2023 · until 2029

Frank Decroock

Managing director

since 2023 · until 2029

Kris Holvoet

Managing director

since 2023 · until 2029

Olivier Poppe

Managing director

since 2024 · until 2029

Stefan Roman bv

Director · represented by Stefan Roman

since 2023 · until 2029

Establishments

Establishment units

Physical locations of this company

Registered office

Torhoutse Steenweg 340a

8200 Brugge

2.168.665.325

Torhoutse Steenweg 340

8200 Brugge

Active since 30 January 2008

2.231.539.141

Molenaarsstraat 23

9000 Gent

Active since 5 June 2014

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

Details

Company number: 0895.334.942
VAT number: BE 0895.334.942
Registered office: Torhoutse Steenweg 340a, 8200 Brugge
Names & denominations: De Verzekeraer
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 28 January 2008
Peppol: Active · Active since 10 Sept 2025
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗

De Verzekeraer

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Financials

What happened to De Verzekeraer?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions