ACTIVE

VDL-INTERASS

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Financial year 2025 · closed on 31/12/2025

Net result

245,5 k €

-46.4% YoY

Gross margin

2,8 M €

-1.8% YoY

Equity

1,7 M €

+16.8% YoY

Workforce

28,2 ETP

+2.2% YoY

What does VDL-INTERASS do?

VDL-INTERASS is a Public limited company incorporated in 1987. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Gent. It employs on average 28,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0431.686.127

Incorporation

31/07/1987

Legal form

Public limited company

Registered office

Esplanade Oscar Van de Voorde 1
9000 Gent · FlandreSee on map

Contributed capital

445 000,00 €

Latest accounts

31/12/2025

Average workforce

28,2 ETP

Activities (NACE)

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

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

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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	2,8 M €	-1.8%	2,8 M €	+26.4%	2,2 M €	+33.3%	1,7 M €	-24.6%	2,2 M €	+19.7%	1,9 M €	+2.1%	1,8 M €	+2.4%	1,8 M €	+15.1%	1,5 M €	+5.0%	1,5 M €		–		–		–		–		–		–		–		–		–		–
EBITDA	334,4 k €	-11.4%	377,5 k €	+557%	-82,6 k €	+63.8%	-228,4 k €	-432%	-42,9 k €	-144%	97,1 k €	-58.1%	231,8 k €	+52.6%	151,9 k €	+169%	56,5 k €	+80.3%	31,4 k €	+938%	-3,7 k €	-107%	51 k €	+2.1%	49,9 k €	-30.1%	71,4 k €	-7.1%	76,9 k €	-20.4%	96,6 k €	+0.7%	95,9 k €	-7.2%	103,3 k €	-5.6%	109,5 k €	-39.2%	180 k €
Operating result	320,3 k €	-10.3%	356,9 k €	+456%	-100,3 k €	+57.7%	-237 k €	-361%	-51,4 k €	-158%	89,3 k €	-57.3%	209,3 k €	+66.4%	125,8 k €	+351%	27,9 k €	+3579%	758,1 €	+102%	-31,8 k €	-548%	-4,9 k €	+52.8%	-10,4 k €	-195%	10,9 k €	+624%	1,5 k €	-94.1%	25,7 k €	+35.8%	18,9 k €	-33.6%	28,5 k €	-20.5%	35,8 k €	-67.0%	108,5 k €
Net result	245,5 k €	-46.4%	457,9 k €	+711%	-74,9 k €	+64.7%	-212,4 k €	-328%	-49,6 k €	-180%	62,2 k €	-54.6%	136,9 k €	+67.3%	81,8 k €	+510%	13,4 k €	-39.5%	22,2 k €	+206%	7,2 k €	-58.2%	17,3 k €	+1635%	998 €	-93.0%	14,2 k €	-31.9%	20,8 k €	-48.4%	40,4 k €	-34.1%	61,2 k €	-3.8%	63,7 k €	+16.6%	54,6 k €	-47.7%	104,5 k €
Balance sheet
Equity	1,7 M €	+16.8%	1,5 M €	+45.7%	1 M €	-6.9%	1,1 M €	-16.5%	1,3 M €	-3.7%	1,3 M €	+4.9%	1,3 M €	+12.0%	1,1 M €	+7.7%	1,1 M €	+1.3%	1 M €	+2.2%	1 M €	-6.2%	1,1 M €	+1.6%	1,1 M €	+0.1%	1,1 M €	+1.3%	1,1 M €	+2.0%	1 M €	+4.0%	997,6 k €	+6.5%	936,4 k €	+7.3%	872,7 k €	+6.7%	818,1 k €
Total assets	3,3 M €	+7.8%	3,1 M €	+21.1%	2,5 M €	-0.5%	2,5 M €	-19.6%	3,2 M €	+10.3%	2,9 M €	-2.6%	2,9 M €	+11.4%	2,6 M €	+3.8%	2,5 M €	+4.9%	2,4 M €	-1.7%	2,5 M €	-11.8%	2,8 M €	-16.1%	3,3 M €	-12.5%	3,8 M €	+6.7%	3,6 M €	+2.8%	3,5 M €	-10.9%	3,9 M €	+16.4%	3,3 M €	+4.5%	3,2 M €	+3.0%	3,1 M €
Cash	1,1 M €	+25.4%	868,6 k €	-1.7%	883,2 k €	+70.7%	517,4 k €	-4.8%	543,5 k €	+170%	201,4 k €	-79.3%	973,4 k €	+39.5%	697,9 k €	+43.7%	485,7 k €	+3.0%	471,4 k €	-28.4%	658 k €	+24.6%	528,2 k €	-40.4%	885,8 k €	-25.5%	1,2 M €	-8.8%	1,3 M €	+4.4%	1,2 M €	+0.9%	1,2 M €	+151%	493,3 k €	-16.2%	588,9 k €	-42.3%	1 M €
Debts	1,6 M €	-0.3%	1,6 M €	+4.8%	1,5 M €	+4.3%	1,5 M €	-21.8%	1,9 M €	+22.7%	1,5 M €	-3.9%	1,6 M €	+13.1%	1,4 M €	+7.7%	1,3 M €	+5.0%	1,2 M €	-6.2%	1,3 M €	-13.5%	1,5 M €	-30.4%	2,2 M €	-14.9%	2,6 M €	+11.0%	2,3 M €	+6.2%	2,2 M €	-20.2%	2,7 M €	+19.7%	2,3 M €	+6.3%	2,1 M €	+5.5%	2 M €
Other
Workforce	28,2 ETP	+2.2%	27,6 ETP	+3.4%	26,7 ETP	+10.3%	24,2 ETP	-2.4%	24,8 ETP	+5.1%	23,6 ETP	+7.8%	21,9 ETP	-3.1%	22,6 ETP	+7.1%	21,1 ETP	+1.0%	20,9 ETP	+5.0%	19,9 ETP	-1.5%	20,2 ETP	+1.5%	19,9 ETP	+9.3%	18,2 ETP	+5.2%	17,3 ETP	-1.1%	17,5 ETP	+8.0%	16,2 ETP	+1.2%	16,0 ETP	-14.9%	18,8 ETP	+3.9%	18,1 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 69 ended

Active mandates

Pascal Buyle

Managing director · since 05 décembre 2025 · until 19 juin 2031

Active

Michel Vanhaeren

Director · since 19 juin 2025 · until 01 février 2026

Active

Pieter Valcke

Director · since 19 juin 2025 · until 19 juin 2031

Active

Dirk Smet

Chairman of the board of directors · since 20 juin 2024 · until 15 juin 2028

Active

Xavier Dumon

Director · since 15 novembre 2022 · until 15 juin 2028

Active

Ended mandates

Nathalie Werck

Director · since 15 novembre 2022 · until 01 octobre 2024

Ended

Nathalie Werck

Director · since 15 novembre 2022 · until 15 juin 2028

Ended

Ann Dewaele

Chairman of the board of directors · since 07 avril 2021 · until 17 juin 2027

Ended

Ann Dewaele

Director · since 07 avril 2021 · until 14 novembre 2022

Ended

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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	25/08/2026	10/07/2025	25/06/2024	27/06/2023	14/07/2022	05/07/2021
General meeting	18/06/2026	19/06/2025	20/06/2024	15/06/2023	16/06/2022	17/06/2021
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	18/06/2026	25/08/2026	Dutch	PDF
Abridged model	31/12/2024	19/06/2025	10/07/2025	Dutch	PDF
Abridged model	31/12/2023	20/06/2024	25/06/2024	Dutch	PDF
Abridged model	31/12/2022	15/06/2023	27/06/2023	Dutch	PDF
Abridged model	31/12/2021	16/06/2022	14/07/2022	Dutch	PDF
Abridged model	31/12/2020	17/06/2021	05/07/2021	Dutch	PDF
Abridged model	31/12/2019	11/06/2020	15/07/2020	Dutch	PDF
Abridged model	31/12/2018	20/06/2019	30/08/2019	Dutch	PDF
Abridged model	31/12/2017	21/06/2018	03/07/2018	Dutch	PDF
Abridged model	31/12/2016	15/06/2017	10/07/2017	Dutch	PDF
Full model	31/12/2015	16/06/2016	27/06/2016	Dutch	PDF
Full model	31/12/2014	18/06/2015	06/07/2015	Dutch	PDF
Full model	31/12/2013	19/06/2014	03/07/2014	Dutch	PDF
Full model	31/12/2012	20/06/2013	23/08/2013	Dutch	PDF
Full model	31/12/2011	21/06/2012	16/07/2012	Dutch	PDF
Full model	31/12/2010	16/06/2011	29/07/2011	Dutch	PDF
Full model	31/12/2009	17/06/2010	05/07/2010	Dutch	PDF
Full model	31/12/2008	18/06/2009	04/05/2010	Dutch	PDF
Full model	31/12/2007	19/06/2008	24/07/2008	Dutch	PDF
Full model	31/12/2006	21/06/2007	17/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 5 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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 69 ended

Active mandates

Pascal Buyle

Managing director · since 05 décembre 2025 · until 19 juin 2031

Active

Michel Vanhaeren

Director · since 19 juin 2025 · until 01 février 2026

Active

Pieter Valcke

Director · since 19 juin 2025 · until 19 juin 2031

Active

Dirk Smet

Chairman of the board of directors · since 20 juin 2024 · until 15 juin 2028

Active

Xavier Dumon

Director · since 15 novembre 2022 · until 15 juin 2028

Active

Ended mandates

Nathalie Werck

Director · since 15 novembre 2022 · until 01 octobre 2024

Ended

Nathalie Werck

Director · since 15 novembre 2022 · until 15 juin 2028

Ended

Ann Dewaele

Chairman of the board of directors · since 07 avril 2021 · until 17 juin 2027

Ended

Ann Dewaele

Director · since 07 avril 2021 · until 14 novembre 2022

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates27/07/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates23/12/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates03/10/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates13/12/2024
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring03/07/2024
KAPITAAL - AANDELEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring07/05/2024
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Capital / shares24/01/2024
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN - ALGEMENE VERGADERING
PDF
Mandates07/09/2023
ONTSLAGEN - BENOEMINGEN
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 2025245,5 k €↓
2024
Annual accounts 2024457,9 k €↑
2023
Annual accounts 2023-74,9 k €↑
2022
Annual accounts 2022-212,4 k €↓
2021
Annual accounts 2021-49,6 k €↓
2020
Annual accounts 202062,2 k €↓
2019
Annual accounts 2019136,9 k €↑
2018
Annual accounts 201881,8 k €↑
2017
Annual accounts 201713,4 k €↓
2016
Annual accounts 201622,2 k €↑
2015
Annual accounts 20157,2 k €↓
2014
Annual accounts 201417,3 k €↑
2013
Annual accounts 2013998 €↓
2012
Annual accounts 201214,2 k €↓
2011
Annual accounts 201120,8 k €↓
2010
Annual accounts 201040,4 k €↓
2009
Annual accounts 200961,2 k €↓
2008
Annual accounts 200863,7 k €↑
2007
Annual accounts 200754,6 k €↓
2006
Annual accounts 2006104,5 k €
31/07/1987
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

VDL-INTERASS

Overview

What does VDL-INTERASS do?

Trend over 20 financial years

Indicative valuation

Board of directors

Other companies at this address

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