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 57 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
KORAAL INSURE from Kortrijk, company number BE0895919912, closed financial year 2025 with a result of € 125,602 after tax. For that financial year KORAAL INSURE recorded a gross margin of € 385,601 and equity of € 310,056. Compared with financial year 2024, the result moved from € 30,449 to € 125,602. 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 14, 2026.
€ 310,056
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 125,602
▲ € 95,153 vs 2024
Profit after tax over the fiscal year.
€ 42,610
▲ 58% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 120,000 paid out
96 % of the profit went to the shareholders, mostly to KORAAL FINANCE (100 % of the shares). That is where the money ends up.
People and assets in 2025
€ 126,499
▲ 8% 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.
€ 35,464
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 459,928
▼ 23% vs 2024
€ 138,766 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 71,516
▲ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 19,100
▲ 37% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | € 504,558 | - | - | |
| Gross margin | € 173,460 | € 116,498 | € 263,123 | € 385,601 | ▲ 47% |
| Profit after taxes | € 51,928 | € 9,246 | € 30,449 | € 125,602 | ▲ € 95,153 |
| Equity | € 264,759 | € 274,005 | € 304,454 | € 310,056 | ▲ 2% |
| Total debts | € 84,721 | € 83,925 | € 729,874 | € 695,874 | ▼ 5% |
| Cash | € 76,121 | € 124,100 | € 26,975 | € 42,610 | ▲ 58% |
| Land & buildings | € 245 | € 245 | € 245 | € 245 | |
| Retained profit | € 206,369 | € 215,615 | € 246,064 | € 251,666 | ▲ 2% |
| Dividend | € 40,000 | € 0 | € 0 | € 120,000 | |
| Bank debt | € 25,727 | € 17,285 | € 597,918 | € 459,928 | ▼ 23% |
| Balance sheet total | € 349,481 | € 357,930 | € 1,034,328 | € 1,005,930 | ▼ 3% |
Key figures of KORAAL INSURE, 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 KORAAL INSURE?
What happened at KORAAL INSURE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 125,602 (▲ € 95,153 vs 2024). Source: NBB ↗
- Veerle Delaere became a director. NBB
- Lavaert - Delaere BV became a director. NBB
- B-Man BV became a director. NBB
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 51,928 profit in 2022 to € 125,602 profit in 2025.
Paid € 21,064 in corporate taxes since 2022.
Best year ever: 2025, with € 125,602 profit.
Paid out € 160,000 in dividends to the owners in total.
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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 KORAAL FINANCE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KORAAL INSUREBehind KORAAL INSURE are Veerle Delaere, Lavaert - Delaere BV and B-Man BV. The shares are held by KORAAL FINANCE (100%).
Directors
According to the 2025 annual accounts
since 2020
since 2018
since 2016
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Veemarkt(Kor) 51 box 2
8500 Kortrijk
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
- 0895.919.912
- VAT number
- BE 0895.919.912
- Registered office
- Veemarkt(Kor) 51 bus 2, 8500 Kortrijk
- Names & denominations
- KORAAL INSURE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 February 2008
- Peppol
- Active · Active since 28 Feb 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars