ACTIVE

ERARD VERZEKERINGEN

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Financial year 2026 · Closed on 30/06/2026

Net result1 M €+20,3 %over 1 year

Gross margin1,6 M €+9,6 %over 1 year

Equity4,4 M €-13,9 %over 1 year

Workforce6,5 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

ERARD VERZEKERINGEN is a Public limited company incorporated in 1988. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Langemark-Poelkapelle. It employs on average 6,5 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0434.821.504
Incorporation: 14/07/1988
Legal form: Public limited company
Registered office: Nieuwe Kalsijde 5b
8920 Langemark-Poelkapelle · FlandreSee on map
Contributed capital: 61 973,38 €
Latest accounts: 30/06/2026
Average workforce: 6,5 ETP

Activities (NACE)

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

Joint committees (1)

Contacts

4 public details availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 20 financial years

	2026		2025		2024		2023		2022
Income statement
Gross margin	1,6 M €	+9.6%	1,5 M €	+5.5%	1,4 M €	+8.8%	1,3 M €	+0.7%	1,3 M €
EBITDA	1,3 M €	+7.6%	1,2 M €	+2.4%	1,2 M €	+9.4%	1,1 M €	+5.8%	1 M €
Operating result	1,3 M €	+9.1%	1,1 M €	+3.0%	1,1 M €	+10.4%	1 M €	+6.0%	953,2 k €
Net result	1 M €	+20.3%	851,7 k €	+7.1%	795 k €	+14.9%	691,7 k €	+5.5%	655,9 k €
Balance sheet
Equity	4,4 M €	-13.9%	5,1 M €	+18.9%	4,3 M €	+22.5%	3,5 M €	+24.4%	2,8 M €
Total assets	6,2 M €	+17.9%	5,3 M €	+18.5%	4,4 M €	+22.7%	3,6 M €	+24.8%	2,9 M €
Cash	4,2 M €	-5.4%	4,5 M €	+15.6%	3,9 M €	+29.4%	3 M €	+34.8%	2,2 M €
Debts	1,8 M €	+1294%	128,2 k €	+2.5%	125 k €	+26.9%	98,6 k €	+39.3%	70,7 k €
Other
Workforce	6,5 ETP	0.0%	6,5 ETP	+44.4%	4,5 ETP	-4.3%	4,7 ETP	-23.0%	6,1 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 10 M€ and 25 M€

See the valuation

Board of directors

Source · NBB, accounts to 30/06/2026

2 active · 11 ended

Active mandates

Bruno Erard

Managing director · since 08 décembre 2025

Active

Joris Erard

Director · since 08 décembre 2025

Active

Ended mandates

JORIS ERARD

Director · since 01 juillet 2015

Ended

Bruno Erard

Director · since 26 décembre 2013

Ended

BRUNO ERARD

Managing director · since 26 décembre 2013

Ended

Bruno Erard

Director

Ended

Other companies at this address

Nieuwe Kalsijde 5b 8920 Langemark-Poelkapelle

Company	CBE no.
Barbara Deconinck, Endocrinologie-Diabetologie● Active	0754.795.008

Full financial information

Source · NBB

	2026	2025	2024	2023	2022	2021
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/07/2025	01/07/2024	01/07/2023	01/07/2022	01/07/2021	01/07/2020
Closing of the financial year	30/06/2026	30/06/2025	30/06/2024	30/06/2023	30/06/2022	30/06/2021
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	22/09/2026	18/12/2025	30/01/2025	30/01/2024	31/01/2023	31/01/2022
General meeting	19/08/2026	08/12/2025	23/01/2025	26/01/2024	23/01/2023	25/01/2022
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	30/06/2026	19/08/2026	22/09/2026	Dutch	PDF
Abridged model	30/06/2025	08/12/2025	18/12/2025	Dutch	PDF
Abridged model	30/06/2024	23/01/2025	30/01/2025	Dutch	PDF
Abridged model	30/06/2023	26/01/2024	30/01/2024	Dutch	PDF
Abridged model	30/06/2022	23/01/2023	31/01/2023	Dutch	PDF
Abridged model	30/06/2021	25/01/2022	31/01/2022	Dutch	PDF
Abridged model	30/06/2020	26/01/2021	29/01/2021	Dutch	PDF
Abridged model	30/06/2019	14/01/2020	15/01/2020	Dutch	PDF
Abridged model	30/06/2018	08/01/2019	29/01/2019	Dutch	PDF
Abridged model	30/06/2017	07/01/2018	22/01/2018	Dutch	PDF
Abridged model	30/06/2016	06/01/2017	24/01/2017	Dutch	PDF
Abridged model	30/06/2015	07/01/2016	11/01/2016	Dutch	PDF
Abridged model	30/06/2014	17/12/2014	29/01/2015	Dutch	PDF
Abridged model	30/06/2013	26/12/2013	27/01/2014	Dutch	PDF
Abridged model	30/06/2012	27/12/2012	28/01/2013	Dutch	PDF
Abridged model	30/06/2011	11/01/2012	31/01/2012	Dutch	PDF
Abridged model	30/06/2010	04/12/2010	07/02/2011	Dutch	PDF
Abridged model	30/06/2009	05/12/2009	04/02/2010	Dutch	PDF
Abridged model	30/06/2008	06/12/2008	11/02/2009	Dutch	PDF
Abridged model	30/06/2007	01/12/2007	30/01/2008	Dutch	PDF
Abridged model	30/06/2006	01/12/2006	29/01/2007	Dutch	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 10 M€ and 25 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 30/06/2026

2 active · 11 ended

Active mandates

Bruno Erard

Managing director · since 08 décembre 2025

Active

Joris Erard

Director · since 08 décembre 2025

Active

Ended mandates

JORIS ERARD

Director · since 01 juillet 2015

Ended

Bruno Erard

Director · since 26 décembre 2013

Ended

BRUNO ERARD

Managing director · since 26 décembre 2013

Ended

Bruno Erard

Director

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates15/01/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates03/04/2020
ONTSLAGEN - BENOEMINGEN
PDF
Mandates01/02/2017
MAATSCHAPPELIJKE ZETEL - ONTSLAGEN - BENOEMINGEN
PDF
Mandates04/02/2014
ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING
PDF
Mandates20/01/2011
ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING
PDF
Mandates23/01/2006
ONTSLAGEN - BENOEMINGEN
PDF
Mandates01/06/2004
ONTSLAGEN - BENOEMINGEN
PDF

Similar companies

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

See the Business plan

Timeline

2026
Annual accounts 20261 M €↑
2025
Annual accounts 2025851,7 k €↑
2024
Annual accounts 2024795 k €↑
2023
Annual accounts 2023691,7 k €↑
2022
Annual accounts 2022655,9 k €↓
2021
Annual accounts 2021656 k €↑
2020
Annual accounts 2020377,5 k €↑
2019
Annual accounts 2019345,3 k €↑
2018
Annual accounts 2018287,7 k €↓
2017
Annual accounts 2017562,3 k €↓
2016
Annual accounts 2016619,1 k €↓
2015
Annual accounts 2015634,8 k €↑
2014
Annual accounts 2014383,5 k €↓
2013
Annual accounts 2013429,8 k €↑
2012
Annual accounts 2012411,7 k €↑
2011
Annual accounts 2011349,3 k €↑
2010
Annual accounts 2010273,9 k €↓
2009
Annual accounts 2009284,2 k €↑
2008
Annual accounts 2008180,8 k €↓
2007
Annual accounts 2007213,4 k €
14/07/1988
IncorporationPublic limited company

ERARD VERZEKERINGEN

Overview

Identity

Financials

Valuation

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

Timeline