ACTIVE

VANBREDA DEKERF

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Financial year 2025 · closed on 31/12/2025

Net result

428,4 k €

+21.7% YoY

Gross margin

1,1 M €

+46.9% YoY

Equity

1,9 M €

+4.8% YoY

Workforce

5,9 ETP

-32.2% YoY

What does VANBREDA DEKERF do?

VANBREDA DEKERF is a Public limited company incorporated in 1993. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Ternat. It employs on average 5,9 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0451.680.203

Incorporation

21/12/1993

Legal form

Public limited company

Registered office

Statiestraat 84
1740 Ternat · FlandreSee on map

Contributed capital

61 500,00 €

Latest accounts

31/12/2025

Average workforce

5,9 ETP

Activities (NACE)

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

Joint committees (2)

307
3070

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 19 financial years

	2025		2024		2023		2022		2021		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,1 M €	+46.9%	780,9 k €	-15.2%	920,4 k €	+7.4%	857 k €	+8.9%	787,2 k €	+14.4%	688,2 k €	-1.8%	700,6 k €	+3.3%	678,2 k €	+1.4%	669 k €	-3.3%	692,1 k €	+4.0%	665,6 k €	+17.5%	566,6 k €	+33.4%	424,8 k €	+0.4%	423,3 k €	-7.9%	459,6 k €	+30.5%	352,1 k €	+10.4%	318,9 k €	-9.3%	351,4 k €	+15.1%	305,4 k €
EBITDA	639,7 k €	+19.8%	534 k €	-7.5%	577,5 k €	-0.2%	578,7 k €	+4.2%	555,6 k €	+35.0%	411,6 k €	-6.9%	441,9 k €	-4.5%	462,8 k €	-6.1%	492,7 k €	-7.5%	532,4 k €	+7.6%	494,7 k €	+4.4%	474 k €	+81.4%	261,3 k €	-0.2%	261,7 k €	-1.7%	266,3 k €	+70.9%	155,8 k €	+11.9%	139,2 k €	-11.7%	157,6 k €	-22.5%	203,3 k €
Operating result	568,2 k €	+26.2%	450,1 k €	-14.8%	528,5 k €	-1.1%	534,4 k €	+1.6%	525,8 k €	+36.9%	384,2 k €	+2.7%	374,1 k €	-4.4%	391,3 k €	-3.5%	405,6 k €	-13.0%	466,1 k €	+9.4%	425,9 k €	+3.2%	412,8 k €	+105%	201,3 k €	-1.1%	203,6 k €	+1.8%	200 k €	+4203%	4,6 k €	-95.7%	108,3 k €	-13.9%	125,8 k €	-29.0%	177,1 k €
Net result	428,4 k €	+21.7%	352,1 k €	-11.5%	398 k €	+8.7%	366,3 k €	+16.2%	315,3 k €	+32.0%	238,9 k €	+4.9%	227,7 k €	+1.9%	223,5 k €	-8.3%	243,7 k €	-3.3%	251,9 k €	-3.1%	259,9 k €	+26.1%	206,2 k €	+20.6%	170,9 k €	+27.9%	133,6 k €	+1.1%	132,1 k €	+460%	23,6 k €	-71.0%	81,3 k €	-8.9%	89,2 k €	-44.6%	161 k €
Balance sheet
Equity	1,9 M €	+4.8%	1,8 M €	-8.9%	2 M €	+9.8%	1,8 M €	-19.3%	2,2 M €	+21.4%	1,8 M €	+15.0%	1,6 M €	+16.7%	1,4 M €	-37.6%	2,2 M €	+11.8%	2 M €	+14.8%	1,7 M €	+18.0%	1,4 M €	+2.6%	1,4 M €	+13.9%	1,2 M €	+7.3%	1,2 M €	+7.7%	1,1 M €	-4.2%	1,1 M €	+7.7%	1 M €	+9.3%	947 k €
Total assets	2,5 M €	+25.8%	2 M €	-9.2%	2,2 M €	+4.5%	2,1 M €	-15.5%	2,4 M €	-21.4%	3,1 M €	+10.9%	2,8 M €	-0.8%	2,8 M €	+7.9%	2,6 M €	+2.8%	2,5 M €	+18.3%	2,1 M €	+20.2%	1,8 M €	+2.0%	1,7 M €	+7.8%	1,6 M €	+5.0%	1,5 M €	+5.2%	1,5 M €	+7.6%	1,4 M €	+14.5%	1,2 M €	+11.4%	1,1 M €
Cash	1,1 M €	+114%	528,8 k €	-54.0%	1,1 M €	+13.6%	1 M €	-3.3%	1 M €	-42.4%	1,8 M €	+20.8%	1,5 M €	+14.4%	1,3 M €	+21.2%	1,1 M €	-3.9%	1,1 M €	+36.7%	825,5 k €	+61.2%	512 k €	+36.3%	375,7 k €	+24.2%	302,6 k €	+32.2%	228,9 k €	+113%	107,7 k €	+7.8%	100 k €	-69.6%	329,2 k €	+7.2%	307,1 k €
Debts	491 k €	+368%	104,8 k €	-42.5%	182,4 k €	-31.8%	267,4 k €	+24.8%	214,4 k €	-83.1%	1,3 M €	+5.4%	1,2 M €	-17.2%	1,5 M €	+240%	427,8 k €	-26.4%	581,5 k €	+30.9%	444,2 k €	+29.2%	343,9 k €	+17.8%	291,9 k €	-24.6%	387,1 k €	-2.2%	395,7 k €	-1.4%	401,4 k €	+257%	112,5 k €	-19.1%	139,1 k €	+11.7%	124,6 k €
Other
Workforce	5,9 ETP	-32.2%	8,7 ETP	+3.6%	8,4 ETP	+20.0%	7,0 ETP	-1.4%	7,1 ETP	-9.0%	7,8 ETP	+18.2%	6,6 ETP	-10.8%	7,4 ETP	+68.2%	4,4 ETP	-30.2%	6,3 ETP	+14.5%	5,5 ETP	+22.2%	4,5 ETP	+15.4%	3,9 ETP	-7.1%	4,2 ETP	+7.7%	3,9 ETP	-11.4%	4,4 ETP	+7.3%	4,1 ETP	0.0%	4,1 ETP	+28.1%	3,2 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 · 4 active · 5 ended

Active mandates

KANTOOR DEKERF-DEBERDT

Director · since 21 mars 2024 · until 07 mars 2030 · 0431.579.031

Represented by Dirk Dekerf

Active

Koen Dierckx

Director · since 20 mars 2024 · until 07 mars 2030

Active

Pascal Joosten

Director · since 20 mars 2024 · until 07 mars 2030

Active

Pedro Ludovicus Honoré Matthynssens

Director · since 20 mars 2024 · until 02 mars 2028

Active

Ended mandates

KANTOOR DEKERF-DEBERDT

Director · since 20 mars 2024 · until 07 mars 2030 · 0431.579.031

Represented by Dirk DEKERF

Ended

Pedro Matthynssens

Director · since 20 mars 2024 · until 02 mars 2028

Ended

Dirk DEKERF

Director · until 20 mars 2024

Ended

Dirk DEKERF

Director

Ended

At this address

Other companies at this address

Company	CBE no.
DEKERF CLAIMS● Active	0663.756.548

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	20/03/2026	25/03/2025	31/05/2024	23/06/2023	26/08/2022	30/09/2021
General meeting	05/03/2026	06/03/2025	22/05/2024	26/05/2023	31/07/2022	15/09/2021
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

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	05/03/2026	20/03/2026	Dutch	PDF
Abridged model	31/12/2024	06/03/2025	25/03/2025	Dutch	PDF
Abridged model	31/12/2023	22/05/2024	31/05/2024	Dutch	PDF
Abridged model	31/12/2022	26/05/2023	23/06/2023	Dutch	PDF
Abridged model	31/12/2021	31/07/2022	26/08/2022	Dutch	PDF
Abridged model	31/12/2020	15/09/2021	30/09/2021	Dutch	PDF
Abridged model	31/12/2019	28/08/2020	17/09/2020	Dutch	PDF
Abridged model	31/12/2018	24/09/2019	30/09/2019	Dutch	PDF
Abridged model	31/12/2017	26/09/2018	27/09/2018	Dutch	PDF
Abridged model	31/12/2016	25/09/2017	27/09/2017	Dutch	PDF
Abridged model	31/12/2015	27/05/2016	05/09/2016	Dutch	PDF
Abridged model	31/12/2014	22/05/2015	28/08/2015	Dutch	PDF
Abridged modelCorrection	31/12/2013	29/08/2014	29/09/2014	Dutch	PDF
Abridged model	31/12/2013	29/08/2014	31/08/2014	Dutch	PDF
Abridged model	31/12/2012	24/05/2013	29/08/2013	Dutch	PDF
Abridged model	31/12/2011	25/05/2012	30/08/2012	Dutch	PDF
Abridged model	31/12/2010	27/05/2011	17/10/2011	Dutch	PDF
Abridged model	31/12/2009	21/05/2010	12/07/2010	Dutch	PDF
Abridged model	31/12/2008	22/05/2009	27/11/2009	Dutch	PDF
Abridged model	31/12/2007	23/05/2008	29/08/2008	Dutch	PDF
Abridged model	31/12/2006	25/05/2007	17/08/2007	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 · 4 active · 5 ended

Active mandates

KANTOOR DEKERF-DEBERDT

Director · since 21 mars 2024 · until 07 mars 2030 · 0431.579.031

Represented by Dirk Dekerf

Active

Koen Dierckx

Director · since 20 mars 2024 · until 07 mars 2030

Active

Pascal Joosten

Director · since 20 mars 2024 · until 07 mars 2030

Active

Pedro Ludovicus Honoré Matthynssens

Director · since 20 mars 2024 · until 02 mars 2028

Active

Ended mandates

KANTOOR DEKERF-DEBERDT

Director · since 20 mars 2024 · until 07 mars 2030 · 0431.579.031

Represented by Dirk DEKERF

Ended

Pedro Matthynssens

Director · since 20 mars 2024 · until 02 mars 2028

Ended

Dirk DEKERF

Director · until 20 mars 2024

Ended

Dirk DEKERF

Director

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates03/06/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/07/2024
BENAMING - KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM
PDF
Mandates08/07/2024
ONTSLAGEN - BENOEMINGEN
PDF
Mandates08/07/2024
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring03/08/2021
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...) - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN
PDF
Restructuring02/04/2021
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Capital / shares05/07/2018
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Capital / shares09/01/2014
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
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 2025428,4 k €↑
2024
Annual accounts 2024352,1 k €↓
2023
Annual accounts 2023398 k €↑
2023
Name changeVanbreda Dekerf
2022
Annual accounts 2022366,3 k €↑
2021
Annual accounts 2021315,3 k €↑
2021
Name changeDEKERF DIRK & CO
2019
Annual accounts 2019238,9 k €↑
2018
Annual accounts 2018227,7 k €↑
2017
Annual accounts 2017223,5 k €↓
2016
Annual accounts 2016243,7 k €↓
2015
Annual accounts 2015251,9 k €↓
2014
Annual accounts 2014259,9 k €↑
2013
Annual accounts 2013206,2 k €↑
2012
Annual accounts 2012170,9 k €↑
2011
Annual accounts 2011133,6 k €↑
2010
Annual accounts 2010132,1 k €↑
2009
Annual accounts 200923,6 k €↓
2008
Annual accounts 200881,3 k €↓
2007
Annual accounts 200789,2 k €↓
2006
Annual accounts 2006161 k €
21/12/1993
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

VANBREDA DEKERF

Overview

What does VANBREDA DEKERF do?

Trend over 19 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