ACTIVE

Q & O VERZEKERINGEN

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Financial year 2025 · Closed on 31/12/2025

Net result776,3 k €+203,6 %over 1 year
Revenue15 M €+20,3 %over 1 year
Equity1,4 M €+125,7 %over 1 year
Workforce70,2 ETP+30,0 %over 1 year

Identity

Source · BCE/KBO

Q & O VERZEKERINGEN is a Public limited company incorporated in 1982. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Waregem. It employs on average 70,2 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0423.872.083
Incorporation
30/12/1982
Legal form
Public limited company
Registered office
Westerlaan 1
8790 Waregem · FlandreSee on map
Contributed capital
62 050,50 €
Latest accounts
31/12/2025
Average workforce
70,2 ETP
Joint committees (2)
  • 307
  • 3070
Signals
ProfitablePositive cashflowPositive EBITDAHealthy social debtsHigh revenue

Financials

Source · NBB, 20 filings

Trend over 20 financial years

20252024202320222021
Income statement
Revenue15 M €12,5 M €–––
EBITDA1,8 M €2,4 M €1,6 M €1 M €249,8 k €
Operating result1,1 M €1,8 M €1,3 M €749,8 k €3,4 k €
Net result776,3 k €-749,5 k €1,1 M €570,2 k €243,7 €
Balance sheet
Equity1,4 M €617,4 k €1,4 M €707,2 k €354,7 k €
Total assets18,8 M €20,9 M €16,2 M €14,2 M €6,9 M €
Cash932,6 k €6,1 M €2,2 M €2,7 M €967 k €
Debts17,4 M €20,3 M €14,8 M €13,4 M €6,5 M €
Other
Workforce70,2 ETP54,0 ETP43,3 ETP38,9 ETP36,2 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 54 ended

Active mandates

CLEMAX

Director · since 18 mai 2020 · 0809.070.565

Represented by Clement Stefanie

Active
Cyludor

Director · since 18 mai 2020 · 0832.375.608

Represented by Orens Cynthia

Active
QVO

Director · since 18 mai 2020 · 0832.374.024

Represented by Orens Ludo

Active
Stefaan Desimpel

Director · since 18 mai 2020

Active
Vyva

Director · since 18 mai 2020 · 0448.981.524

Represented by Valcke Lieven

Active

Ended mandates

Dirk Faveere

Director · since 05 septembre 2023 · until 12 décembre 2024

Ended
DIRK FAVEERE

Director · since 05 septembre 2023 · until 15 mai 2026

Ended
CLEMAX

Director · since 15 mai 2020 · until 15 mai 2026 · 0809.070.565

Represented by STEFANIE CLEMENT

Ended
Cyludor

Director · since 15 mai 2020 · until 15 mai 2026 · 0832.375.608

Represented by CYNTHIA ORENS

Ended

Other companies at this address

Westerlaan 1 8790 Waregem
CompanyCBE no.
Groep Q & O● Active
0662.420.126
INVESQO● Active
1001.431.166
INVESQO+● Active
1002.329.605
QVO● Active
0832.374.024

Full financial information

Source · NBB
202520242023202220212020
Type of accountFull modelFull modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date17/08/202626/09/202527/06/202419/06/202324/06/202201/07/2021
General meeting30/06/202630/06/202518/05/202420/05/202321/05/202215/05/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings
ModelClosingGeneral meetingFiledLanguageDocument
Full model31/12/202530/06/202617/08/2026DutchPDF
Full model31/12/202430/06/202526/09/2025DutchPDF
Abridged model31/12/202318/05/202427/06/2024DutchPDF
Abridged model31/12/202220/05/202319/06/2023DutchPDF
Abridged model31/12/202121/05/202224/06/2022DutchPDF
Abridged model31/12/202015/05/202101/07/2021DutchPDF
Abridged model31/12/201916/05/202003/07/2020DutchPDF
Abridged model31/12/201818/05/201905/07/2019DutchPDF
Abridged model31/12/201719/05/201826/06/2018DutchPDF
Abridged model31/12/201620/05/201730/06/2017DutchPDF
Abridged model31/12/201521/05/201628/06/2016DutchPDF
Abridged model31/12/201416/05/201525/06/2015DutchPDF
Abridged model31/12/201317/05/201425/06/2014DutchPDF
Abridged model31/12/201218/05/201325/06/2013DutchPDF
Abridged model31/12/201119/05/201225/06/2012DutchPDF
Abridged model31/12/201021/05/201128/06/2011DutchPDF
Abridged model31/12/200915/05/201015/06/2010DutchPDF
Abridged model31/12/200816/05/200925/06/2009DutchPDF
Abridged model31/12/200717/05/200830/06/2008DutchPDF
Abridged model31/12/200619/05/200729/06/2007DutchPDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 M€

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.

Board of directors

Source · NBB, accounts to 31/12/2025

5 active · 54 ended

Active mandates

CLEMAX

Director · since 18 mai 2020 · 0809.070.565

Represented by Clement Stefanie

Active
Cyludor

Director · since 18 mai 2020 · 0832.375.608

Represented by Orens Cynthia

Active
QVO

Director · since 18 mai 2020 · 0832.374.024

Represented by Orens Ludo

Active
Stefaan Desimpel

Director · since 18 mai 2020

Active
Vyva

Director · since 18 mai 2020 · 0448.981.524

Represented by Valcke Lieven

Active

Ended mandates

Dirk Faveere

Director · since 05 septembre 2023 · until 12 décembre 2024

Ended
DIRK FAVEERE

Director · since 05 septembre 2023 · until 15 mai 2026

Ended
CLEMAX

Director · since 15 mai 2020 · until 15 mai 2026 · 0809.070.565

Represented by STEFANIE CLEMENT

Ended
Cyludor

Director · since 15 mai 2020 · until 15 mai 2026 · 0832.375.608

Represented by CYNTHIA ORENS

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates28/05/2026
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Restructuring11/03/2025
    ONTSLAGEN - BENOEMINGEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring03/12/2024
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Mandates06/11/2023
    ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …)
    PDF
  • Mandates29/06/2020
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates25/08/2016
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates03/09/2014
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates18/06/2013
    ONTSLAGEN - BENOEMINGEN
    PDF

Similar companies

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

See the Business plan

Timeline

  1. 2025
    Annual accounts 2025776,3 k €↑
  2. 2024
    Annual accounts 2024-749,5 k €↓
  3. 2024
    Name changeQ & O VERZEKERINGEN
  4. 2023
    Annual accounts 20231,1 M €↑
  5. 2022
    Annual accounts 2022570,2 k €↑
  6. 2021
    Annual accounts 2021243,7 €↓
  7. 2021
    Name changeQ EN O VERZEKERINGEN
  8. 2020
    Annual accounts 20202,8 k €↑
  9. 2019
    Annual accounts 2019-961,8 €↓
  10. 2018
    Annual accounts 20181,3 k €↓
  11. 2017
    Annual accounts 20177,3 k €↑
  12. 2016
    Annual accounts 2016906,2 €↑
  13. 2015
    Annual accounts 2015-5,1 k €↓
  14. 2014
    Annual accounts 20149,9 k €↑
  15. 2013
    Annual accounts 2013-9,3 k €↓
  16. 2012
    Annual accounts 201265,7 k €↓
  17. 2011
    Annual accounts 2011590,9 k €↑
  18. 2010
    Annual accounts 2010-38,3 k €↓
  19. 2009
    Annual accounts 2009-23,6 k €↑
  20. 2008
    Annual accounts 2008-27,4 k €↓
  21. 2007
    Annual accounts 200766,7 k €↓
  22. 2006
    Annual accounts 2006117 k €
  23. 30/12/1982
    IncorporationPublic limited company