ACTIVE

CBRV

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Financial year 2025 · closed on 31/12/2025

Net result

14,5 k €

+88.6% YoY

Gross margin

90,3 k €

+18.0% YoY

Equity

82,2 k €

-9.9% YoY

What does CBRV do?

CBRV is a Private limited company incorporated in 1981. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Herk-de-Stad.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0421.226.359

Incorporation

16/01/1981

Legal form

Private limited company

Registered office

Sint-Truidersteenweg 2 box 2
3540 Herk-de-Stad · FlandreSee on map

Contributed capital

28 845,40 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (3)

Contacts

1 public detail availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 16 financial years

	2025		2024		2023		2022		2020		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008
Income statement
Gross margin	90,3 k €	+18.0%	76,5 k €	-21.9%	98 k €	+246%	28,3 k €	-81.2%	150,8 k €	-0.4%	151,5 k €	-1.8%	154,2 k €	+47.8%	104,3 k €	-21.6%	133,1 k €	+32.4%	100,5 k €	+965%	9,4 k €	-84.8%	62 k €	-33.9%	93,8 k €	-0.4%	94,2 k €	+6.8%	88,2 k €	+75.6%	50,2 k €
EBITDA	35,6 k €	+46.1%	24,4 k €	-46.5%	45,6 k €	+323%	-20,4 k €	-154%	38,1 k €	-25.2%	51 k €	+43.9%	35,4 k €	+736%	-5,6 k €	-110%	56,4 k €	+32.2%	42,7 k €	+330%	-18,5 k €	-190%	20,6 k €	-52.2%	43,1 k €	+22.5%	35,2 k €	-12.0%	40 k €	+262%	11,1 k €
Operating result	24,2 k €	+93.3%	12,5 k €	-67.9%	39 k €	+270%	-22,9 k €	-190%	25,3 k €	-18.6%	31,1 k €	+120%	14,1 k €	+173%	-19,3 k €	-144%	43,5 k €	+10.9%	39,2 k €	+252%	-25,9 k €	-362%	9,9 k €	-59.4%	24,3 k €	-9.7%	26,9 k €	-13.1%	31 k €	+1397%	-2,4 k €
Net result	14,5 k €	+88.6%	7,7 k €	-76.2%	32,3 k €	+239%	-23,3 k €	-260%	14,6 k €	-26.0%	19,7 k €	+132%	8,5 k €	+143%	-19,9 k €	-160%	33,2 k €	+59.7%	20,8 k €	+159%	-35,3 k €	-1381%	-2,4 k €	-107%	32,1 k €	+15.6%	27,8 k €	-13.0%	31,9 k €	+1072%	-3,3 k €
Balance sheet
Equity	82,2 k €	-9.9%	91,2 k €	-8.4%	99,6 k €	+46.3%	68,1 k €	-54.7%	150,4 k €	-6.1%	160,2 k €	+14.0%	140,5 k €	+6.4%	132 k €	-13.1%	151,9 k €	+28.0%	118,7 k €	+21.2%	97,9 k €	-26.5%	133,2 k €	-1.8%	135,5 k €	+20.5%	112,4 k €	+20.0%	93,7 k €	+51.7%	61,7 k €
Total assets	153,5 k €	+4.6%	146,8 k €	+5.5%	139,2 k €	+46.3%	95,1 k €	-46.6%	178 k €	-16.7%	213,6 k €	-3.2%	220,7 k €	+23.9%	178,1 k €	-13.6%	206,2 k €	+48.1%	139,3 k €	+6.1%	131,3 k €	-20.0%	164,1 k €	+15.4%	142,2 k €	+11.5%	127,5 k €	+14.1%	111,8 k €	+27.8%	87,4 k €
Cash	49,4 k €	+1.8%	48,6 k €	+27.0%	38,2 k €	-38.8%	62,5 k €	+0.2%	62,4 k €	+23.5%	50,5 k €	-43.5%	89,4 k €	-1.1%	90,4 k €	-16.1%	107,7 k €	+62.1%	66,4 k €	+24.1%	53,5 k €	-32.6%	79,5 k €	+73.2%	45,9 k €	-46.2%	85,3 k €	+58.6%	53,8 k €	+132%	23,1 k €
Debts	68,3 k €	+27.7%	53,5 k €	+35.1%	39,6 k €	+46.3%	27,1 k €	-2.0%	27,6 k €	-48.3%	53,4 k €	-33.4%	80,2 k €	+74.1%	46,1 k €	-15.1%	54,3 k €	+164%	20,6 k €	-38.4%	33,4 k €	+8.1%	30,9 k €	+385%	6,4 k €	-55.5%	14,3 k €	-19.6%	17,8 k €	-30.0%	25,5 k €
Other
Workforce	–		–		–		–		–		2,3 ETP		–		–		1,7 ETP	+21.4%	1,4 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 · 1 active · 10 ended

Active mandates

Peter Ramaekers

Director · since 07 octobre 2019

Active

Ended mandates

Peter Ramaekers

Director · since 01 juillet 2021

Ended

Peter Ramaekers

Bestuurder · since 13 avril 2021

Ended

peter ramaekers

Manager · since 28 mai 2014

Ended

bart cosemans

Manager · since 13 avril 2012

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro 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	18/06/2026	18/07/2025	31/07/2024	03/08/2023	29/07/2022	26/08/2021
General meeting	12/06/2026	13/06/2025	14/06/2024	09/06/2023	10/06/2022	11/06/2021
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
Micro model	31/12/2025	12/06/2026	18/06/2026	Dutch	PDF
Micro model	31/12/2024	13/06/2025	18/07/2025	Dutch	PDF
Micro model	31/12/2023	14/06/2024	31/07/2024	Dutch	PDF
Micro model	31/12/2022	09/06/2023	03/08/2023	Dutch	PDF
Micro model	31/12/2021	10/06/2022	29/07/2022	Dutch	PDF
Micro model	31/12/2020	11/06/2021	26/08/2021	Dutch	PDF
Micro model	31/12/2019	04/09/2020	06/10/2020	Dutch	PDF
Abridged model	31/12/2018	14/06/2019	27/08/2019	Dutch	PDF
Micro model	31/12/2017	08/06/2018	28/08/2018	Dutch	PDF
Micro model	31/12/2016	09/06/2017	22/08/2017	Dutch	PDF
Abridged model	31/12/2015	10/06/2016	31/08/2016	Dutch	PDF
Abridged model	31/12/2014	12/06/2015	31/08/2015	Dutch	PDF
Abridged model	31/12/2013	27/06/2014	27/01/2015	Dutch	PDF
Abridged model	31/12/2012	30/06/2013	19/12/2013	Dutch	PDF
Abridged model	31/12/2011	29/06/2012	30/09/2012	Dutch	PDF
Abridged model	31/12/2010	24/06/2011	28/09/2011	Dutch	PDF
Abridged model	31/12/2009	25/06/2010	23/07/2010	Dutch	PDF
Abridged model	31/12/2008	24/07/2009	08/10/2009	Dutch	PDF
Abridged model	31/12/2007	30/05/2008	15/04/2009	Dutch	PDF
Abridged model	31/12/2006	24/06/2007	13/12/2007	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 · 1 active · 10 ended

Active mandates

Peter Ramaekers

Director · since 07 octobre 2019

Active

Ended mandates

Peter Ramaekers

Director · since 01 juillet 2021

Ended

Peter Ramaekers

Bestuurder · since 13 avril 2021

Ended

peter ramaekers

Manager · since 28 mai 2014

Ended

bart cosemans

Manager · since 13 avril 2012

Ended

Shareholders

Ownership and network

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Competition

Similar companies

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

See the Business plan

2025
Annual accounts 202514,5 k €↑
2024
Annual accounts 20247,7 k €↓
2023
Annual accounts 202332,3 k €↑
2022
Annual accounts 2022-23,3 k €↓
2020
Annual accounts 202014,6 k €↓
2018
Annual accounts 201819,7 k €↑
2017
Annual accounts 20178,5 k €↑
2016
Annual accounts 2016-19,9 k €↓
2015
Annual accounts 201533,2 k €↑
2014
Annual accounts 201420,8 k €↑
2013
Annual accounts 2013-35,3 k €↓
2013
Name changeCBRV
2012
Annual accounts 2012-2,4 k €↓
2011
Annual accounts 201132,1 k €↑
2010
Annual accounts 201027,8 k €↓
2009
Annual accounts 200931,9 k €↑
2008
Annual accounts 2008-3,3 k €
2008
Name changeZAKENKANTOOR U. NICKMANS
16/01/1981
IncorporationPrivate 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

CBRV

Overview

What does CBRV do?

Trend over 16 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

Similar companies

Similar companies

Timeline