ACTIVE

ZAKENKANTOOR HAVERMANS

Financial year 2025 · Closed on 31/12/2025

Net result20,2 k €+287,4 %over 1 year

Gross margin412,1 k €+11,6 %over 1 year

Equity502,4 k €-29,1 %over 1 year

Identity

Source · BCE/KBO

ZAKENKANTOOR HAVERMANS is a Public limited company incorporated in 1989. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Ravels.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0437.970.044
Incorporation: 28/06/1989
Legal form: Public limited company
Registered office: Grote Baan 166 box 001
2380 Ravels · FlandreSee on map
Contributed capital: 62 000,00 €
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 (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	412,1 k €	+11.6%	369,2 k €	-17.9%	449,9 k €	+18.8%	378,8 k €	-9.6%	418,9 k €
EBITDA	70,3 k €	+135%	29,9 k €	-73.7%	113,9 k €	+35.9%	83,8 k €	-49.1%	164,7 k €
Operating result	31,6 k €	+489%	-8,1 k €	-110%	79,8 k €	+31.3%	60,8 k €	-59.8%	151,1 k €
Net result	20,2 k €	+287%	-10,8 k €	-119%	56,9 k €	+26.9%	44,9 k €	-57.3%	105,1 k €
Balance sheet
Equity	502,4 k €	-29.1%	708,2 k €	-17.4%	857 k €	+7.1%	800 k €	-10.9%	898,2 k €
Total assets	869,2 k €	-6.1%	925,4 k €	-6.7%	991,7 k €	+8.2%	916,8 k €	-4.0%	954,7 k €
Cash	657,9 k €	+0.6%	653,7 k €	+18.0%	554,1 k €	-19.6%	688,8 k €	-14.6%	807 k €
Debts	364,3 k €	+67.7%	217,2 k €	+61.3%	134,7 k €	+15.3%	116,8 k €	+107%	56,6 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 21 ended

Active mandates

Christiane Nijs

Director · since 20 juin 2023 · until 20 juin 2029

Active

Danny Havermans

Managing director · since 20 juin 2023 · until 19 juin 2029

Active

Nick Havermans

Director · since 22 février 2019

Active

Ended mandates

Danny Havermans

Director · since 20 juin 2023 · until 20 juin 2029

Ended

Nick Havermans

Director · since 20 juin 2023 · until 20 juin 2029

Ended

Nick Havermans

Director · since 22 février 2019 · until 20 juin 2029

Ended

Christiane Nijs

Director · since 20 juin 2017 · until 20 juin 2029

Ended

Full financial information

Source · NBB

	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	18/08/2026	30/09/2025	29/08/2024	12/09/2023	27/07/2022	17/11/2021
General meeting	16/06/2026	17/06/2025	18/06/2024	20/06/2023	21/06/2022	15/06/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	16/06/2026	18/08/2026	Dutch	PDF
Micro model	31/12/2024	17/06/2025	30/09/2025	Dutch	PDF
Micro model	31/12/2023	18/06/2024	29/08/2024	Dutch	PDF
Micro model	31/12/2022	20/06/2023	12/09/2023	Dutch	PDF
Micro model	31/12/2021	21/06/2022	27/07/2022	Dutch	PDF
Micro model	31/12/2020	15/06/2021	17/11/2021	Dutch	PDF
Micro model	31/12/2019	07/09/2020	30/11/2020	Dutch	PDF
Micro model	31/12/2018	18/06/2019	16/10/2019	Dutch	PDF
Micro model	31/12/2017	19/06/2018	28/09/2018	Dutch	PDF
Micro model	31/12/2016	20/06/2017	27/09/2017	Dutch	PDF
Abridged model	31/12/2015	21/06/2016	31/08/2016	Dutch	PDF
Abridged model	31/12/2014	16/06/2015	31/08/2015	Dutch	PDF
Abridged model	31/12/2013	30/06/2014	31/07/2014	Dutch	PDF
Abridged model	31/12/2012	29/06/2013	29/07/2013	Dutch	PDF
Abridged model	31/12/2011	19/06/2012	31/07/2012	Dutch	PDF
Abridged model	31/12/2010	30/06/2011	29/07/2011	Dutch	PDF
Abridged model	31/12/2009	15/06/2010	05/07/2010	Dutch	PDF
Abridged model	31/12/2008	16/06/2009	11/07/2009	Dutch	PDF
Abridged model	31/12/2007	17/06/2008	07/07/2008	Dutch	PDF
Abridged model	31/12/2006	19/06/2007	12/07/2007	Dutch	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 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.

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 21 ended

Active mandates

Christiane Nijs

Director · since 20 juin 2023 · until 20 juin 2029

Active

Danny Havermans

Managing director · since 20 juin 2023 · until 19 juin 2029

Active

Nick Havermans

Director · since 22 février 2019

Active

Ended mandates

Danny Havermans

Director · since 20 juin 2023 · until 20 juin 2029

Ended

Nick Havermans

Director · since 20 juin 2023 · until 20 juin 2029

Ended

Nick Havermans

Director · since 22 février 2019 · until 20 juin 2029

Ended

Christiane Nijs

Director · since 20 juin 2017 · until 20 juin 2029

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates23/09/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates02/04/2019
ONTSLAGEN - BENOEMINGEN
PDF
Mandates27/11/2017
ONTSLAGEN - BENOEMINGEN
PDF
Other08/02/2012
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office19/12/2008
MAATSCHAPPELIJKE ZETEL
PDF
Mandates06/11/2007
ONTSLAGEN - BENOEMINGEN
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 202520,2 k €↑
2024
Annual accounts 2024-10,8 k €↓
2023
Annual accounts 202356,9 k €↑
2022
Annual accounts 202244,9 k €↓
2021
Annual accounts 2021105,1 k €↓
2020
Annual accounts 2020126,5 k €↑
2019
Annual accounts 2019102,9 k €↓
2018
Annual accounts 2018138,2 k €↑
2017
Annual accounts 201778,8 k €↑
2016
Annual accounts 201665,6 k €↓
2015
Annual accounts 201576 k €↓
2014
Annual accounts 201490,6 k €↓
2013
Annual accounts 2013107,1 k €↑
2012
Annual accounts 2012102,2 k €↓
2011
Annual accounts 2011104,9 k €↑
2010
Annual accounts 2010103,4 k €↑
2009
Annual accounts 200992 k €↓
2008
Annual accounts 200892,2 k €↑
2007
Annual accounts 200782,8 k €↓
2006
Annual accounts 2006108,6 k €
28/06/1989
IncorporationPublic limited company

ZAKENKANTOOR HAVERMANS

Overview

Identity

Financials

Valuation

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

Timeline