ACTIVE

Clario

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Financial year 2025 · closed on 31/12/2025

Net result

51,7 k €

+1.8% YoY

Gross margin

1,1 M €

+0.9% YoY

Equity

1,8 M €

-6.7% YoY

Workforce

8,5 ETP

+6.3% YoY

What does Clario do?

Clario is a Private limited company incorporated in 1997. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Sint-Niklaas. It employs on average 8,5 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0459.878.384

Incorporation

21/01/1997

Legal form

Private limited company

Registered office

Plezantstraat 80
9100 Sint-Niklaas · FlandreSee on map

Contributed capital

747 400,00 €

Latest accounts

31/12/2025

Average workforce

8,5 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

3 public details availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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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	1,1 M €	+0.9%	1,1 M €	-24.5%	1,4 M €	+24.3%	1,1 M €	-1.9%	1,2 M €	+9.1%	1,1 M €	+2.4%	1 M €	-2.4%	1,1 M €	+17.3%	902,3 k €	+24.6%	724,4 k €	-2.5%	742,8 k €	+8.3%	685,7 k €	-5.8%	727,8 k €	+5.6%	689,4 k €	+49.1%	462,5 k €	-21.3%	588 k €	+6.1%	554,1 k €	+16.5%	475,6 k €	+0.6%	472,9 k €	+10.7%	427,2 k €
EBITDA	287,4 k €	-14.2%	335 k €	-53.8%	724,9 k €	+53.7%	471,6 k €	-11.4%	532,3 k €	+7.4%	495,7 k €	+14.5%	433 k €	-19.1%	534,9 k €	+44.0%	371,4 k €	+17.4%	316,2 k €	+14.4%	276,3 k €	+13.7%	242,9 k €	-8.9%	266,6 k €	+9.0%	244,6 k €	+136%	103,5 k €	-51.9%	215,3 k €	-21.1%	272,8 k €	+13.0%	241,3 k €	+4.2%	231,7 k €	-7.7%	251,1 k €
Operating result	43 k €	-43.6%	76,2 k €	-84.2%	483,3 k €	+86.7%	258,9 k €	-27.0%	354,9 k €	+1.0%	351,3 k €	+32.5%	265 k €	-27.0%	363 k €	+93.7%	187,5 k €	-12.4%	214,1 k €	+30.4%	164,1 k €	+28.5%	127,8 k €	+56.1%	81,8 k €	-37.9%	131,7 k €	+125%	58,5 k €	-65.7%	170,5 k €	-20.6%	214,7 k €	+22.7%	175 k €	-0.6%	176,1 k €	+18.9%	148,1 k €
Net result	51,7 k €	+1.8%	50,8 k €	-83.6%	308,7 k €	+61.2%	191,5 k €	-14.4%	223,9 k €	+6.3%	210,6 k €	+39.6%	150,8 k €	-31.2%	219,2 k €	+138%	92,1 k €	-25.7%	123,8 k €	+38.3%	89,5 k €	+22.3%	73,2 k €	+46.8%	49,9 k €	-43.8%	88,8 k €	+95.3%	45,5 k €	-61.7%	118,5 k €	-19.7%	147,6 k €	+20.0%	123 k €	+10.4%	111,4 k €	+1.5%	109,7 k €
Balance sheet
Equity	1,8 M €	-6.7%	2 M €	+2.6%	1,9 M €	+9.9%	1,8 M €	+6.3%	1,6 M €	+7.0%	1,5 M €	+9.0%	1,4 M €	+6.2%	1,3 M €	+12.5%	1,2 M €	+38.3%	855,1 k €	+13.0%	756,7 k €	+9.2%	692,6 k €	+7.4%	644,9 k €	-4.2%	673,1 k €	+14.7%	586,8 k €	+7.9%	543,7 k €	-19.5%	675,2 k €	+28.0%	527,6 k €	+30.4%	404,6 k €	+38.0%	293,2 k €
Total assets	2 M €	-11.3%	2,3 M €	-7.5%	2,4 M €	+12.2%	2,2 M €	+3.1%	2,1 M €	+5.3%	2 M €	+9.0%	1,8 M €	+5.4%	1,7 M €	+8.4%	1,6 M €	+31.5%	1,2 M €	+7.8%	1,1 M €	+2.8%	1,1 M €	-0.6%	1,1 M €	+1.2%	1,1 M €	+65.0%	663,8 k €	+1.7%	652,6 k €	-27.1%	895,5 k €	+8.6%	824,4 k €	+12.1%	735,6 k €	+5.6%	696,9 k €
Cash	650,7 k €	+155%	255,3 k €	+2.3%	249,5 k €	-17.2%	301,3 k €	-31.7%	441,4 k €	-40.1%	736,3 k €	-4.2%	768,6 k €	+50.5%	510,7 k €	+75.7%	290,7 k €	-40.6%	489,7 k €	+187%	170,4 k €	-35.4%	263,8 k €	+30.0%	202,9 k €	+94.3%	104,4 k €	+0.4%	104,1 k €	-51.5%	214,4 k €	-30.0%	306,4 k €	+71.0%	179,1 k €	+11.3%	160,9 k €	+191%	55,4 k €
Debts	150,6 k €	-44.3%	270,4 k €	-45.9%	500 k €	+23.4%	405,1 k €	-9.6%	448,3 k €	-2.5%	459,9 k €	+9.3%	420,7 k €	+2.7%	409,7 k €	-3.1%	422,9 k €	+15.8%	365,3 k €	-2.9%	376,3 k €	-8.1%	409,6 k €	-11.6%	463,6 k €	+9.9%	421,8 k €	+448%	77 k €	-29.3%	108,8 k €	-50.6%	220,1 k €	-25.4%	295 k €	-9.0%	324,1 k €	-18.7%	398,9 k €
Other
Workforce	8,5 ETP	+6.3%	8,0 ETP	0.0%	8,0 ETP	-9.1%	8,8 ETP	-6.4%	9,4 ETP	+4.4%	9,0 ETP	+2.3%	8,8 ETP	+1.1%	8,7 ETP	+8.7%	8,0 ETP	+35.6%	5,9 ETP	-10.6%	6,6 ETP	0.0%	6,6 ETP	-4.3%	6,9 ETP	+15.0%	6,0 ETP	+1.7%	5,9 ETP	0.0%	5,9 ETP	+20.4%	4,9 ETP	+4.3%	4,7 ETP	-6.0%	5,0 ETP	+35.1%	3,7 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 · 11 ended

Active mandates

Benny De Pelsemaeker

Director · since 02 janvier 2026

Active

Filip De Schryver

Director · since 17 novembre 2022

Active

John Vandenberghe

Director · since 17 novembre 2022

Active

Stefan Maes

Director · since 17 novembre 2022

Active

Wim Temmerman

Director · since 17 novembre 2022

Active

Ended mandates

Wim Temmerman

Director · since 01 janvier 2017

Ended

Wim Temmerman

Manager · since 01 janvier 2017

Ended

John Vandenberghe

Director · since 02 janvier 2016

Ended

John Vandenberghe

Manager · since 02 janvier 2016

Ended

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	01/04/2026	19/06/2025	21/06/2024	16/06/2023	17/06/2022	21/06/2021
General meeting	17/03/2026	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	17/03/2026	01/04/2026	Dutch	PDF
Abridged model	31/12/2024	19/06/2025	19/06/2025	Dutch	PDF
Abridged model	31/12/2023	20/06/2024	21/06/2024	Dutch	PDF
Abridged model	31/12/2022	15/06/2023	16/06/2023	Dutch	PDF
Abridged model	31/12/2021	16/06/2022	17/06/2022	Dutch	PDF
Abridged model	31/12/2020	17/06/2021	21/06/2021	Dutch	PDF
Abridged model	31/12/2019	18/06/2020	19/06/2020	Dutch	PDF
Abridged model	31/12/2018	20/06/2019	21/06/2019	Dutch	PDF
Abridged model	31/12/2017	21/06/2018	22/06/2018	Dutch	PDF
Abridged model	31/12/2016	15/06/2017	16/06/2017	Dutch	PDF
Abridged model	31/12/2015	16/06/2016	17/06/2016	Dutch	PDF
Abridged model	31/12/2014	18/06/2015	19/06/2015	Dutch	PDF
Abridged model	31/12/2013	19/06/2014	23/06/2014	Dutch	PDF
Abridged model	31/12/2012	20/06/2013	21/06/2013	Dutch	PDF
Abridged model	31/12/2011	21/06/2012	22/06/2012	Dutch	PDF
Abridged model	31/12/2010	16/06/2011	17/06/2011	Dutch	PDF
Abridged model	31/12/2009	17/06/2010	17/06/2010	Dutch	PDF
Abridged model	31/12/2008	18/06/2009	31/07/2009	Dutch	PDF
Abridged model	31/12/2007	19/06/2008	29/07/2008	Dutch	PDF
Abridged model	31/12/2006	21/06/2007	13/07/2007	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 · 11 ended

Active mandates

Benny De Pelsemaeker

Director · since 02 janvier 2026

Active

Filip De Schryver

Director · since 17 novembre 2022

Active

John Vandenberghe

Director · since 17 novembre 2022

Active

Stefan Maes

Director · since 17 novembre 2022

Active

Wim Temmerman

Director · since 17 novembre 2022

Active

Ended mandates

Wim Temmerman

Director · since 01 janvier 2017

Ended

Wim Temmerman

Manager · since 01 janvier 2017

Ended

John Vandenberghe

Director · since 02 janvier 2016

Ended

John Vandenberghe

Manager · since 02 janvier 2016

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates18/12/2025
ONTSLAGEN - BENOEMINGEN
PDF
Other31/01/2025
BENAMING - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM
PDF
Other29/11/2022
DOEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Restructuring12/05/2017
DOEL - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring23/03/2017
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Capital / shares27/01/2017
KAPITAAL - AANDELEN
PDF
Mandates27/12/2016
ONTSLAGEN - BENOEMINGEN
PDF
Mandates07/01/2016
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 202551,7 k €↑
2024
Annual accounts 202450,8 k €↓
2024
Name changeClario
2023
Annual accounts 2023308,7 k €↑
2022
Annual accounts 2022191,5 k €↓
2021
Annual accounts 2021223,9 k €↑
2021
Name changeDVV ZAKENKANTOOR
2020
Annual accounts 2020210,6 k €↑
2019
Annual accounts 2019150,8 k €↓
2018
Annual accounts 2018219,2 k €↑
2017
Annual accounts 201792,1 k €↓
2016
Annual accounts 2016123,8 k €↑
2015
Annual accounts 201589,5 k €↑
2014
Annual accounts 201473,2 k €↑
2013
Annual accounts 201349,9 k €↓
2012
Annual accounts 201288,8 k €↑
2011
Annual accounts 201145,5 k €↓
2010
Annual accounts 2010118,5 k €↓
2009
Annual accounts 2009147,6 k €↑
2008
Annual accounts 2008123 k €↑
2007
Annual accounts 2007111,4 k €↑
2006
Annual accounts 2006109,7 k €
21/01/1997
IncorporationPrivate 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

Clario

Overview

What does Clario do?

Trend over 20 financial years

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