ACTIVE

CVK Immo

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Financial year 2025 · closed on 31/12/2025

Net result

34,5 k €

+1026.6% YoY

Gross margin

702 k €

-52.3% YoY

Equity

199,1 k €

+6.0% YoY

Workforce

3,9 ETP

-64.9% YoY

What does CVK Immo do?

CVK Immo is a Public limited company incorporated in 1971. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Geel. It employs on average 3,9 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0411.577.829

Incorporation

07/10/1971

Legal form

Public limited company

Registered office

Diestseweg 38
2440 Geel · FlandreSee on map

Contributed capital

65 127,10 €

Latest accounts

31/12/2025

Average workforce

3,9 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	702 k €	-52.3%	1,5 M €	+74.6%	843,3 k €	-10.8%	945,9 k €	+7.1%	883,5 k €	+0.7%	877,2 k €	+36.1%	644,7 k €	+12.7%	571,8 k €	+7173%	-8,1 k €	-106%	134,6 k €	-48.1%	259,3 k €	-18.4%	317,6 k €	-1.8%	323,6 k €		–		–		–		–		–		–		–
EBITDA	343,7 k €	-33.8%	519,3 k €	+103%	256,4 k €	+6.5%	240,7 k €	-3.1%	248,5 k €	+0.1%	248,3 k €	+96.7%	126,2 k €	+7.3%	117,6 k €	+594%	-23,8 k €	-319%	10,9 k €	-89.0%	99,3 k €	+133%	42,6 k €	+119%	19,5 k €	+227%	6 k €	+494%	-1,5 k €	-184%	1,8 k €	-97.2%	62,9 k €	+7.6%	58,5 k €	-4.9%	61,5 k €	+3.1%	59,6 k €
Operating result	121,3 k €	-0.2%	121,5 k €	+157%	47,3 k €	+26.4%	37,4 k €	-24.1%	49,3 k €	-28.1%	68,6 k €	+228%	-53,5 k €	-54.6%	-34,6 k €	-45.3%	-23,8 k €	-319%	10,9 k €	-88.2%	92,5 k €	+222%	28,7 k €	+324%	6,8 k €	+206%	-6,4 k €	+61.9%	-16,8 k €	-52.5%	-11 k €	-121%	52,1 k €	+17.2%	44,5 k €	-15.4%	52,6 k €	+39.7%	37,6 k €
Net result	34,5 k €	+1027%	3,1 k €	-55.8%	6,9 k €	-49.8%	13,8 k €	-29.1%	19,5 k €	-43.7%	34,6 k €	+138%	-91,9 k €	-39.9%	-65,7 k €	-260%	-18,3 k €	-346%	7,4 k €	-87.5%	59,5 k €	+137%	25,1 k €	+29.4%	19,4 k €	+691%	2,5 k €	-55.2%	5,5 k €	-22.6%	7,1 k €	-86.8%	53,7 k €	-27.3%	73,9 k €	+11.9%	66 k €	+57.9%	41,8 k €
Balance sheet
Equity	199,1 k €	+6.0%	188 k €	+1.7%	184,9 k €	+3.9%	178 k €	+8.4%	164,1 k €	+13.5%	144,7 k €	+31.4%	110,1 k €	-45.5%	202 k €	-24.5%	267,7 k €	-6.4%	286 k €	+2.7%	278,5 k €	-0.2%	279 k €	-4.3%	291,5 k €	-5.9%	309,6 k €	+0.8%	307,1 k €	+1.8%	301,7 k €	+2.4%	294,6 k €	+0.4%	293,4 k €	+0.9%	290,7 k €	+0.8%	288,5 k €
Total assets	4,8 M €	-15.0%	5,7 M €	+24.6%	4,6 M €	+109%	2,2 M €	+3.3%	2,1 M €	+4.1%	2 M €	-4.2%	2,1 M €	+26.7%	1,7 M €	+524%	268,7 k €	-66.7%	806,3 k €	-12.1%	917,7 k €	+19.1%	770,4 k €	-7.2%	830,5 k €	+21.6%	683,2 k €	-42.1%	1,2 M €	-54.0%	2,6 M €	+10.0%	2,3 M €	-2.5%	2,4 M €	+16.4%	2,1 M €	+46.6%	1,4 M €
Cash	15,6 k €	-98.3%	926,8 k €	+82.1%	508,9 k €	-2.6%	522,4 k €	+92.0%	272,1 k €	+63.9%	166 k €	+30.7%	127 k €	+368%	27,1 k €	+10.2%	24,6 k €	-92.5%	326,8 k €	-38.7%	533,3 k €	+12.7%	473,2 k €	+89.7%	249,4 k €	+31.6%	189,5 k €	+30.8%	144,9 k €	-71.6%	510,6 k €	-31.4%	744,6 k €	+67.0%	446 k €	-59.2%	1,1 M €	+87.7%	582,8 k €
Debts	1,9 M €	-66.2%	5,5 M €	+26.7%	4,3 M €	+120%	2 M €	+2.1%	1,9 M €	+4.5%	1,8 M €	-7.6%	2 M €	+34.9%	1,5 M €	+142671%	1 k €	-99.8%	511,4 k €	-11.9%	580,4 k €	+25.6%	462,2 k €	-11.5%	522,5 k €	+45.5%	359 k €	-58.4%	862,2 k €	-61.2%	2,2 M €	+14.5%	1,9 M €	-3.0%	2 M €	+14.8%	1,7 M €	+63.2%	1,1 M €
Other
Workforce	3,9 ETP	-64.9%	11,1 ETP	+50.0%	7,4 ETP	-8.6%	8,1 ETP	+2.5%	7,9 ETP	-9.2%	8,7 ETP	+6.1%	8,2 ETP	0.0%	8,2 ETP		–		2,2 ETP	-15.4%	2,6 ETP	-27.8%	3,6 ETP	0.0%	3,6 ETP	0.0%	3,6 ETP	-14.3%	4,2 ETP	+10.5%	3,8 ETP	+2.7%	3,7 ETP	+2.8%	3,6 ETP	-5.3%	3,8 ETP	-15.6%	4,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 29 ended

Active mandates

Tom Corstjens

Director · since 01 janvier 2024 · until 30 septembre 2025

Active

Berali

Director · since 23 octobre 2023 · until 24 décembre 2025 · 1000.942.307

Represented by Bert Vanbesien

Active

LUNE

Director · since 19 mai 2016 · 0860.997.041

Represented by Peter Callant

Active

Ended mandates

LUNE

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0860.997.041

Represented by Peter Callant

Ended

LUNE

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0860.997.041

Represented by Peter Callant

Ended

WINVEST

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0862.202.811

Represented by Wim Dezutter

Ended

CVK Immo

Managing director · since 19 mai 2016 · 0411.577.829

Represented by PETER CALLANT

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/07/2026	04/07/2025	09/08/2024	26/06/2023	30/06/2022	22/06/2021
General meeting	30/06/2026	20/06/2025	21/06/2024	16/06/2023	17/06/2022	18/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	30/06/2026	30/07/2026	Dutch	PDF
Abridged model	31/12/2024	20/06/2025	04/07/2025	Dutch	PDF
Abridged model	31/12/2023	21/06/2024	09/08/2024	Dutch	PDF
Abridged model	31/12/2022	16/06/2023	26/06/2023	Dutch	PDF
Abridged model	31/12/2021	17/06/2022	30/06/2022	Dutch	PDF
Abridged model	31/12/2020	18/06/2021	22/06/2021	Dutch	PDF
Abridged model	31/12/2019	19/06/2020	28/09/2020	Dutch	PDF
Abridged model	31/12/2018	21/06/2019	15/10/2019	Dutch	PDF
Abridged model	31/12/2017	15/06/2018	28/06/2018	Dutch	PDF
Abridged model	31/12/2016	16/06/2017	29/06/2017	Dutch	PDF
Abridged model	31/12/2015	18/03/2016	23/05/2016	Dutch	PDF
Abridged model	31/12/2014	05/06/2015	18/06/2015	Dutch	PDF
Abridged model	31/12/2013	20/06/2014	31/07/2014	Dutch	PDF
Full model	31/12/2012	14/06/2013	27/06/2013	Dutch	PDF
Full model	31/12/2011	29/06/2012	04/07/2012	Dutch	PDF
Full model	31/12/2010	03/06/2011	12/08/2011	Dutch	PDF
Full model	31/12/2009	04/06/2010	17/06/2010	Dutch	PDF
Full model	31/12/2008	05/06/2009	18/06/2009	Dutch	PDF
Full model	31/12/2007	06/06/2008	26/06/2008	Dutch	PDF
Full model	31/12/2006	01/06/2007	28/06/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 29 ended

Active mandates

Tom Corstjens

Director · since 01 janvier 2024 · until 30 septembre 2025

Active

Berali

Director · since 23 octobre 2023 · until 24 décembre 2025 · 1000.942.307

Represented by Bert Vanbesien

Active

LUNE

Director · since 19 mai 2016 · 0860.997.041

Represented by Peter Callant

Active

Ended mandates

LUNE

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0860.997.041

Represented by Peter Callant

Ended

LUNE

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0860.997.041

Represented by Peter Callant

Ended

WINVEST

Managing director · since 19 mai 2022 · until 19 mai 2028 · 0862.202.811

Represented by Wim Dezutter

Ended

CVK Immo

Managing director · since 19 mai 2016 · 0411.577.829

Represented by PETER CALLANT

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates12/01/2026
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - BENAMING - DOEL - KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN
PDF
Mandates06/01/2026
ONTSLAGEN - BENOEMINGEN
PDF
Other12/11/2025
DIVERSEN
PDF
Mandates31/10/2024
ONTSLAGEN - BENOEMINGEN
PDF
Mandates16/01/2024
MAATSCHAPPELIJKE ZETEL - ONTSLAGEN - BENOEMINGEN
PDF
Mandates30/03/2023
ONTSLAGEN - BENOEMINGEN
PDF
Registered office24/01/2020
BENAMING - MAATSCHAPPELIJKE ZETEL - DOEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office11/07/2017
MAATSCHAPPELIJKE ZETEL
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202534,5 k €↑
2025
Name changeCVK Immo
2024
Annual accounts 20243,1 k €↓
2023
Annual accounts 20236,9 k €↓
2022
Annual accounts 202213,8 k €↓
2021
Annual accounts 202119,5 k €↓
2020
Annual accounts 202034,6 k €↑
2019
Annual accounts 2019-91,9 k €↓
2019
Name changeCallant Verzekeringen Kempen
2018
Annual accounts 2018-65,7 k €↓
2017
Annual accounts 2017-18,3 k €↓
2016
Annual accounts 20167,4 k €↓
2015
Annual accounts 201559,5 k €↑
2014
Annual accounts 201425,1 k €↑
2013
Annual accounts 201319,4 k €↑
2012
Annual accounts 20122,5 k €↓
2011
Annual accounts 20115,5 k €↓
2010
Annual accounts 20107,1 k €↓
2009
Annual accounts 200953,7 k €↓
2008
Annual accounts 200873,9 k €↑
2007
Annual accounts 200766 k €↑
2006
Annual accounts 200641,8 k €
2006
Name changeWestservice
07/10/1971
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

CVK Immo

Overview

What does CVK Immo do?

Trend over 20 financial years

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline