Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SEGURO VERZEKERINGEN from Beernem, company number BE0896173003, closed financial year 2025 with a result of € 268,320 after tax. For that financial year SEGURO VERZEKERINGEN recorded a gross margin of € 914,913 and equity of € 103,913. Compared with financial year 2024, the result moved from € 193,934 to € 268,320. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.
€ 103,913
▲ 87% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 268,320
▲ 38% vs 2024
Profit after tax over the fiscal year.
€ 305,753
▲ 24% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 220,000 paid out
82 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
8.1
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 485,811
▼ 10% vs 2024
€ 60,000 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.
€ 65,957
▲ € 65,256 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.1 million
▲ 64% vs 2024
€ 331,828 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 838,892
▲ 17% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,377
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 688,740 | € 732,600 | € 860,110 | € 914,913 | ▲ 6% |
| Profit after taxes | € 33,318 | € 120,235 | € 193,934 | € 268,320 | ▲ 38% |
| Equity | € 6,424 | € 41,659 | € 55,593 | € 103,913 | ▲ 87% |
| Total debts | € 2,493,980 | € 2,361,322 | € 2,316,638 | € 3,334,075 | ▲ 44% |
| Cash | € 130,985 | € 166,987 | € 247,167 | € 305,753 | ▲ 24% |
| Retained profit | € -35,176 | € 59 | € 13,993 | € 62,313 | ▲ € 48,320 |
| Dividend | € 0 | € 85,000 | € 180,000 | € 220,000 | ▲ 22% |
| Bank debt | € 1,794,780 | € 1,514,020 | € 1,279,175 | € 2,103,239 | ▲ 64% |
| Balance sheet total | € 2,500,404 | € 2,402,981 | € 2,372,231 | € 3,437,988 | ▲ 45% |
| Employees (FTE) | 7.1 | 5.9 | 7.4 | 8.1 | ▲ 0.7 |
Key figures of SEGURO VERZEKERINGEN, 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 SEGURO VERZEKERINGEN?
What happened at SEGURO VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 268,320 (▲ 38% vs 2024). Source: NBB ↗
- Cindy De Visch became a director. NBB
- Mottaret BV became a director. NBB
- New establishment in Oostkamp. KBO
- New establishment in Oostkamp. KBO
- Start of the company according to the CBE. KBO
In short
From € 33,318 profit in 2022 to € 268,320 profit in 2025.
Paid € 166,800 in corporate taxes since 2022.
Best year ever: 2025, with € 268,320 profit.
On average € 113,000 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 MOTTARET comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SEGURO VERZEKERINGENBehind SEGURO VERZEKERINGEN are Cindy De Visch and Mottaret BV. The shares are held by MOTTARET (10.5%).
Directors
According to the 2025 annual accounts
Cindy De Visch
Director
since 2023
Director · represented by Wim Baert
since 2023
Shareholders
10.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Sijselestraat 106
8730 Beernem
Kortrijksestraat 470
8020 Oostkamp
Active since 1 July 2008
Brugsestraat 1
8020 Oostkamp
Active since 1 April 2022
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0896.173.003
- VAT number
- BE 0896.173.003
- Registered office
- Sijselestraat 106, 8730 Beernem
- Names & denominations
- SEGURO VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 March 2008
- Peppol
- Active · Active since 10 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Activiteiten van holdings
Holdings