ACTIVE

Insurance & Development

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Financial year 2025 · closed on 31/12/2025

Net result

63,8 k €

+36.9% YoY

Gross margin

314,6 k €

+12.9% YoY

Equity

1,1 M €

+6.0% YoY

Workforce

3,5 ETP

+34.6% YoY

What does Insurance & Development do?

Insurance & Development is a Private limited company incorporated in 1997. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tessenderlo-Ham. It employs on average 3,5 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0459.891.549

Incorporation

20/01/1997

Legal form

Private limited company

Registered office

Stationsstraat 79
3980 Tessenderlo-Ham · FlandreSee on map

Contributed capital

18 592,01 €

Latest accounts

31/12/2025

Average workforce

3,5 ETP

Activities (NACE)

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

Joint committees (1)

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	314,6 k €	+12.9%	278,7 k €	+4.8%	266 k €	+6.1%	250,8 k €	-6.1%	267 k €	-24.0%	351,1 k €	+4.9%	334,6 k €	+7.1%	312,3 k €	+4.1%	300,1 k €	+25.9%	238,3 k €	-18.5%	292,4 k €	-2.7%	300,6 k €	-4.5%	314,6 k €	-8.2%	342,5 k €	+30.7%	262 k €	-7.1%	281,9 k €	-12.7%	322,8 k €	-11.1%	363,2 k €	+41.4%	256,8 k €	+18.9%	216,1 k €
EBITDA	112,9 k €	+35.7%	83,2 k €	-5.1%	87,6 k €	+5.6%	83 k €	+2.4%	81 k €	-52.7%	171,5 k €	+25.3%	136,8 k €	-12.6%	156,7 k €	+4.0%	150,7 k €	+64.7%	91,5 k €	-37.3%	146 k €	-24.5%	193,3 k €	+26.5%	152,7 k €	-10.0%	169,8 k €	+299%	42,5 k €	+53.7%	27,7 k €	-76.7%	118,6 k €	-41.3%	201,8 k €	+46.8%	137,5 k €	+89.5%	72,6 k €
Operating result	78,3 k €	+18.7%	65,9 k €	+1.7%	64,8 k €	-18.5%	79,5 k €	+3.5%	76,8 k €	-54.0%	167,1 k €	+26.3%	132,3 k €	+3.8%	127,4 k €	+30.8%	97,4 k €	+85.6%	52,5 k €	-50.5%	106 k €	-29.5%	150,3 k €	+21.0%	124,2 k €	-7.1%	133,6 k €	+698%	16,8 k €	+478%	-4,4 k €	-107%	62,5 k €	-52.8%	132,5 k €	+68.0%	78,9 k €	+677%	-13,7 k €
Net result	63,8 k €	+36.9%	46,6 k €	-5.5%	49,3 k €	-20.0%	61,6 k €	+4.7%	58,8 k €	-50.6%	119,1 k €	+34.4%	88,6 k €	-1.8%	90,3 k €	+22.6%	73,6 k €	+51.0%	48,7 k €	-42.0%	84 k €	-30.4%	120,7 k €	+33.8%	90,2 k €	+8.2%	83,4 k €	+347%	18,7 k €	+343%	-7,7 k €	-114%	53,7 k €	-40.0%	89,6 k €	+50.2%	59,6 k €	+539%	-13,6 k €
Balance sheet
Equity	1,1 M €	+6.0%	1,1 M €	+4.6%	1 M €	+5.1%	973,1 k €	+6.8%	911,5 k €	+6.9%	852,7 k €	+16.2%	733,6 k €	+13.7%	645 k €	+16.3%	554,7 k €	-31.6%	811,1 k €	+6.4%	762,3 k €	+12.4%	678,3 k €	+20.8%	561,6 k €	+10.5%	508 k €	+19.6%	424,6 k €	+4.6%	406 k €	-1.9%	413,7 k €	+14.9%	359,9 k €	+33.1%	270,4 k €	+28.3%	210,8 k €
Total assets	1,2 M €	+5.6%	1,1 M €	+6.0%	1,1 M €	-4.0%	1,1 M €	+10.2%	1 M €	+0.4%	1 M €	+13.8%	888,9 k €	+18.8%	748,4 k €	-24.7%	994,1 k €	+9.2%	910,7 k €	+5.1%	866,6 k €	+8.9%	795,6 k €	+18.7%	670,4 k €	+6.4%	630,2 k €	+0.3%	628,2 k €	+0.5%	624,8 k €	+14.5%	545,8 k €	+8.9%	501,3 k €	+26.4%	396,7 k €	+1.5%	390,9 k €
Cash	936,8 k €	+8.6%	862,5 k €	+0.1%	861,7 k €	-3.6%	893,9 k €	+3.9%	860 k €	+20.7%	712,4 k €	+71.9%	414,4 k €	-6.7%	444,1 k €	-20.5%	558,6 k €	+36.2%	410,1 k €	+20.0%	341,8 k €	+43.5%	238,1 k €	+21.7%	195,6 k €	-53.2%	417,8 k €	+11.9%	373,4 k €	+4.9%	355,8 k €	+28.9%	276 k €	-0.5%	277,3 k €	+30.6%	212,4 k €	+17.5%	180,8 k €
Debts	69,6 k €	-0.7%	70,1 k €	+35.4%	51,8 k €	-64.3%	144,9 k €	+45.2%	99,8 k €	-35.5%	154,7 k €	+2.3%	151,3 k €	+52.3%	99,4 k €	-77.2%	435,3 k €	+355%	95,6 k €	+4.8%	91,2 k €	-19.5%	113,3 k €	+8.2%	104,8 k €	-11.4%	118,2 k €	-11.8%	134 k €	-8.4%	146,3 k €	+14.1%	128,2 k €	-6.7%	137,4 k €	+12.3%	122,4 k €	-30.6%	176,2 k €
Other
Workforce	3,5 ETP	+34.6%	2,6 ETP	0.0%	2,6 ETP	0.0%	2,6 ETP	-18.8%	3,2 ETP	-5.9%	3,4 ETP	-10.5%	3,8 ETP	+15.2%	3,3 ETP	0.0%	3,3 ETP	0.0%	3,3 ETP	+6.5%	3,1 ETP	+29.2%	2,4 ETP	-22.6%	3,1 ETP	-29.5%	4,4 ETP	-4.3%	4,6 ETP	-2.1%	4,7 ETP	0.0%	4,7 ETP	+9.3%	4,3 ETP	+30.3%	3,3 ETP	-19.5%	4,1 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 8 ended

Active mandates

Dorien Bex

Director

Active

Jochen Bex

Director

Active

Ended mandates

Dorien Bex

Director · since 01 octobre 2020 · until 31 décembre 2020

Ended

Jochen Bex

Director · since 01 octobre 2020 · until 31 décembre 2020

Ended

INSURANCE & FINANCE BEX

Director · since 01 janvier 2020 · until 01 octobre 2020 · 0533.866.818

Represented by Dorien Bex

Ended

INSURANCE & FINANCE BEX

Director · 0533.866.818

Represented by Dorien Bex

Ended

At this address

Other companies at this address

Company	CBE no.
BEX INVEST SERVICE● Active	0472.893.707

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	14/09/2026	27/08/2025	30/08/2024	29/09/2023	12/10/2022	28/10/2021
General meeting	15/08/2026	13/06/2025	14/06/2024	30/06/2023	10/06/2022	22/10/2021
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	15/08/2026	14/09/2026	Dutch	PDF
Abridged model	31/12/2024	13/06/2025	27/08/2025	Dutch	PDF
Abridged model	31/12/2023	14/06/2024	30/08/2024	Dutch	PDF
Abridged model	31/12/2022	30/06/2023	29/09/2023	Dutch	PDF
Abridged model	31/12/2021	10/06/2022	12/10/2022	Dutch	PDF
Abridged model	31/12/2020	22/10/2021	28/10/2021	Dutch	PDF
Abridged model	31/12/2019	08/09/2020	07/10/2020	Dutch	PDF
Abridged model	31/12/2018	30/06/2019	24/09/2019	Dutch	PDF
Abridged model	31/12/2017	30/06/2018	24/09/2018	Dutch	PDF
Abridged model	31/12/2016	30/06/2017	30/08/2017	Dutch	PDF
Abridged model	31/12/2015	30/06/2016	06/10/2016	Dutch	PDF
Abridged model	31/12/2014	30/06/2015	17/08/2015	Dutch	PDF
Abridged model	31/12/2013	30/06/2014	22/08/2014	Dutch	PDF
Abridged model	31/12/2012	30/06/2013	10/08/2013	Dutch	PDF
Abridged model	31/12/2011	30/06/2012	31/08/2012	Dutch	PDF
Abridged model	31/12/2010	30/06/2011	30/07/2011	Dutch	PDF
Abridged model	31/12/2009	30/06/2010	31/07/2010	Dutch	PDF
Abridged model	31/12/2008	30/06/2009	27/08/2009	Dutch	PDF
Abridged model	31/12/2007	30/06/2008	25/07/2008	Dutch	PDF
Abridged model	31/12/2006	30/06/2007	30/07/2007	Dutch	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 8 ended

Active mandates

Dorien Bex

Director

Active

Jochen Bex

Director

Active

Ended mandates

Dorien Bex

Director · since 01 octobre 2020 · until 31 décembre 2020

Ended

Jochen Bex

Director · since 01 octobre 2020 · until 31 décembre 2020

Ended

INSURANCE & FINANCE BEX

Director · since 01 janvier 2020 · until 01 octobre 2020 · 0533.866.818

Represented by Dorien Bex

Ended

INSURANCE & FINANCE BEX

Director · 0533.866.818

Represented by Dorien Bex

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates28/11/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - BENAMING - DIVERSEN - ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING
PDF
Mandates15/12/2020
ONTSLAGEN - BENOEMINGEN - WIJZIGING RECHTSVORM
PDF
Capital / shares08/01/2018
KAPITAAL - AANDELEN
PDF
Registered office28/04/2017
MAATSCHAPPELIJKE ZETEL - ADRESSEN ANDERS DAN MAATSCHAPPELIJKE ZETEL
PDF
Capital / shares10/01/2014
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates14/10/2013
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 202563,8 k €↑
2024
Annual accounts 202446,6 k €↓
2023
Annual accounts 202349,3 k €↓
2022
Annual accounts 202261,6 k €↑
2021
Annual accounts 202158,8 k €↓
2020
Annual accounts 2020119,1 k €↑
2019
Annual accounts 201988,6 k €↓
2018
Annual accounts 201890,3 k €↑
2017
Annual accounts 201773,6 k €↑
2016
Annual accounts 201648,7 k €↓
2015
Annual accounts 201584 k €↓
2014
Annual accounts 2014120,7 k €↑
2013
Annual accounts 201390,2 k €↑
2012
Annual accounts 201283,4 k €↑
2011
Annual accounts 201118,7 k €↑
2010
Annual accounts 2010-7,7 k €↓
2009
Annual accounts 200953,7 k €↓
2008
Annual accounts 200889,6 k €↑
2007
Annual accounts 200759,6 k €↑
2006
Annual accounts 2006-13,6 k €
20/01/1997
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

Insurance & Development

Overview

What does Insurance & Development 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