ACTIVE

VANBREDA CREDINCO

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Financial year 2025 · closed on 31/12/2025

Net result

2,3 M €

-7.3% YoY

Gross margin

4 M €

-5.3% YoY

Equity

1,7 M €

-79.5% YoY

Workforce

6,7 ETP

-9.5% YoY

What does VANBREDA CREDINCO do?

VANBREDA CREDINCO is a Public limited company incorporated in 1997. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Antwerpen. It employs on average 6,7 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0462.175.702

Incorporation

19/12/1997

Legal form

Public limited company

Registered office

Plantin en Moretuslei 297
2140 Antwerpen · FlandreSee on map

Contributed capital

78 760,61 €

Latest accounts

31/12/2025

Average workforce

6,7 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

ProfitableLow riskPositive cashflowPositive EBITDA

View the BCE/KBO Public Search record →

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2010		2009		2008		2007		2006
Income statement
Gross margin	4 M €	-5.3%	4,2 M €	-19.8%	5,2 M €	+32.3%	4 M €	+19.1%	3,3 M €	+9.0%	3 M €	-9.6%	3,4 M €	+19.4%	2,8 M €	+14.1%	2,5 M €	+7.2%	2,3 M €		–		–		–		–		418,8 k €	+19.0%	351,9 k €	-25.6%	472,8 k €	+0.2%	471,9 k €	+20.5%	391,8 k €
EBITDA	2,9 M €	-3.3%	3 M €	-26.1%	4,1 M €	+36.0%	3 M €	+19.1%	2,5 M €	+7.6%	2,4 M €	-11.4%	2,7 M €	+22.0%	2,2 M €	+18.5%	1,8 M €	+7.7%	1,7 M €	+6.9%	1,6 M €	-11.9%	1,8 M €	+13.4%	1,6 M €	+24.2%	1,3 M €	+318%	307,9 k €	+27.0%	242,5 k €	-32.7%	360,3 k €	-5.3%	380,3 k €	+29.4%	293,8 k €
Operating result	2,9 M €	-3.3%	3 M €	-26.1%	4,1 M €	+36.0%	3 M €	+19.2%	2,5 M €	+7.6%	2,4 M €	-11.3%	2,7 M €	+22.4%	2,2 M €	+18.7%	1,8 M €	+7.8%	1,7 M €	+7.0%	1,6 M €	-11.6%	1,8 M €	+13.5%	1,6 M €	+26.1%	1,3 M €	+399%	251 k €	+36.1%	184,4 k €	-34.9%	283,3 k €	-16.3%	338,5 k €	+35.7%	249,5 k €
Net result	2,3 M €	-7.3%	2,5 M €	-19.4%	3,1 M €	+39.5%	2,2 M €	+15.2%	1,9 M €	+7.3%	1,8 M €	-5.0%	1,9 M €	+23.2%	1,5 M €	+26.8%	1,2 M €	+7.3%	1,1 M €	+7.2%	1 M €	-11.2%	1,2 M €	+13.4%	1 M €	+26.4%	822 k €	+397%	165,2 k €	+27.3%	129,8 k €	-32.7%	192,9 k €	-12.3%	219,9 k €	+36.0%	161,7 k €
Balance sheet
Equity	1,7 M €	-79.5%	8,4 M €	-6.5%	9 M €	+20.6%	7,5 M €	+17.3%	6,4 M €	+17.7%	5,4 M €	+19.7%	4,5 M €	+26.2%	3,6 M €	+27.1%	2,8 M €	+27.1%	2,2 M €	+33.9%	1,7 M €	+46.2%	1,1 M €	+108%	543,9 k €	+58.2%	343,9 k €	+40.1%	245,5 k €	+206%	80,2 k €	-88.5%	700,4 k €	+38.0%	507,5 k €	+49.6%	339,2 k €
Total assets	12,1 M €	-1.3%	12,3 M €	+4.9%	11,7 M €	+20.4%	9,7 M €	+17.5%	8,3 M €	+13.9%	7,3 M €	+12.7%	6,5 M €	+14.7%	5,6 M €	+23.8%	4,5 M €	+30.3%	3,5 M €	+25.2%	2,8 M €	+14.9%	2,4 M €	+30.1%	1,9 M €	+31.5%	1,4 M €	+209%	458,4 k €	-54.5%	1 M €	-2.2%	1 M €	+33.2%	773,1 k €	+25.2%	617,7 k €
Cash	10,2 M €	-0.3%	10,3 M €	+19.7%	8,6 M €	+95.7%	4,4 M €	+61.9%	2,7 M €	+45.2%	1,9 M €	-46.6%	3,5 M €	-30.1%	5 M €	+24.0%	4 M €	+32.1%	3,1 M €	+24.9%	2,4 M €	+34.1%	1,8 M €	+27.6%	1,4 M €	+24.0%	1,2 M €	+632%	157,3 k €	-78.8%	741,2 k €	+37.1%	540,5 k €	+441%	99,9 k €	+1.0%	98,9 k €
Debts	10,4 M €	+171%	3,8 M €	+42.1%	2,7 M €	+22.2%	2,2 M €	+15.7%	1,9 M €	+7.7%	1,8 M €	+2.7%	1,7 M €	+5.3%	1,6 M €	+18.5%	1,4 M €	+8.8%	1,3 M €	+12.4%	1,1 M €	-12.6%	1,3 M €	-2.2%	1,3 M €	+22.9%	1,1 M €	+425%	204,4 k €	-77.9%	923,5 k €	+206%	301,6 k €	+13.5%	265,6 k €	-4.6%	278,4 k €
Other
Workforce	6,7 ETP	-9.5%	7,4 ETP	0.0%	7,4 ETP	+12.1%	6,6 ETP	+3.1%	6,4 ETP	+12.3%	5,7 ETP	-1.7%	5,8 ETP	+5.5%	5,5 ETP	0.0%	5,5 ETP	0.0%	5,5 ETP	0.0%	5,5 ETP	+10.0%	5,0 ETP	+4.2%	4,8 ETP	+41.2%	3,4 ETP	+240%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 25 M€ and 50 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 30 ended

Active mandates

Frank Fripon

Managing director · since 07 mars 2024 · until 02 mars 2028

Active

Koen Dierckx

Director · since 07 mars 2024 · until 02 mars 2028

Active

Pedro Matthynssens

Director · since 07 mars 2024 · until 02 mars 2028

Active

Ended mandates

GUINEE

Managing director · since 07 mars 2024 · until 02 mars 2028 · 0840.703.552

Represented by Jean Guinée

Ended

Frank Fripon

Managing director · since 21 septembre 2021 · until 07 mars 2024

Ended

GUINEE

Managing director · since 04 mars 2021 · until 07 mars 2024 · 0840.703.552

Represented by Jean Guinée

Ended

GUINEE

Managing director · since 04 mars 2021 · until 07 mars 2024 · 0840.703.552

Represented by Jean Guinée

Ended

At this address

Other companies at this address

Company	CBE no.
VAN BREDA BTW EENHEID● Active	0892.285.182
Vanbreda Mediùs● Active	0406.096.042
Vanbreda PensionFund & Beyond● Active	0771.608.868
VANBREDA RISK & BENEFITS● Active	0404.055.676
Vanbreda Simplex● Active	0473.851.334
Vanbreda Waasland● Active	1035.932.779
Van Mossel Car Insurance● Active	0757.478.938

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	27/03/2024	21/03/2023	19/04/2022	01/04/2021
General meeting	05/03/2026	06/03/2025	07/03/2024	02/03/2023	03/03/2022	04/03/2021
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	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	07/03/2024	27/03/2024	Dutch	PDF
Abridged model	31/12/2022	02/03/2023	21/03/2023	Dutch	PDF
Abridged model	31/12/2021	03/03/2022	19/04/2022	Dutch	PDF
Abridged model	31/12/2020	04/03/2021	01/04/2021	Dutch	PDF
Abridged model	31/12/2019	05/03/2020	27/03/2020	Dutch	PDF
Abridged model	31/12/2018	07/03/2019	20/03/2019	Dutch	PDF
Abridged model	31/12/2017	01/03/2018	20/03/2018	Dutch	PDF
Abridged model	31/12/2016	02/03/2017	03/04/2017	Dutch	PDF
Full model	31/12/2015	03/03/2016	14/03/2016	Dutch	PDF
Full model	31/12/2014	05/03/2015	23/03/2015	Dutch	PDF
Full model	31/12/2013	06/03/2014	18/03/2014	Dutch	PDF
Full model	31/12/2012	07/03/2013	29/03/2013	Dutch	PDF
Abridged model	31/12/2011	23/02/2012	27/02/2012	Dutch	PDF
Abridged model	31/12/2010	18/05/2011	07/07/2011	Dutch	PDF
Abridged model	31/12/2009	19/05/2010	18/06/2010	Dutch	PDF
Abridged model	31/12/2008	20/05/2009	02/07/2009	Dutch	PDF
Abridged model	31/12/2007	21/05/2008	17/06/2008	Dutch	PDF
Abridged model	31/12/2006	16/05/2007	18/06/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 25 M€ and 50 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 · 3 active · 30 ended

Active mandates

Frank Fripon

Managing director · since 07 mars 2024 · until 02 mars 2028

Active

Koen Dierckx

Director · since 07 mars 2024 · until 02 mars 2028

Active

Pedro Matthynssens

Director · since 07 mars 2024 · until 02 mars 2028

Active

Ended mandates

GUINEE

Managing director · since 07 mars 2024 · until 02 mars 2028 · 0840.703.552

Represented by Jean Guinée

Ended

Frank Fripon

Managing director · since 21 septembre 2021 · until 07 mars 2024

Ended

GUINEE

Managing director · since 04 mars 2021 · until 07 mars 2024 · 0840.703.552

Represented by Jean Guinée

Ended

GUINEE

Managing director · since 04 mars 2021 · until 07 mars 2024 · 0840.703.552

Represented by Jean Guinée

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates05/08/2026
ONTSLAGEN - BENOEMINGEN
PDF
Other05/05/2026
DIVERSEN
PDF
Mandates11/04/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/04/2024
ONTSLAGEN - BENOEMINGEN
PDF
Registered office25/08/2023
MAATSCHAPPELIJKE ZETEL - DIVERSEN
PDF
Other03/07/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates25/10/2021
ONTSLAGEN - BENOEMINGEN
PDF
Mandates14/05/2021
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 20252,3 M €↓
2024
Annual accounts 20242,5 M €↓
2023
Annual accounts 20233,1 M €↑
2022
Annual accounts 20222,2 M €↑
2021
Annual accounts 20211,9 M €↑
2020
Annual accounts 20201,8 M €↓
2019
Annual accounts 20191,9 M €↑
2018
Annual accounts 20181,5 M €↑
2017
Annual accounts 20171,2 M €↑
2016
Annual accounts 20161,1 M €↑
2015
Annual accounts 20151 M €↓
2014
Annual accounts 20141,2 M €↑
2013
Annual accounts 20131 M €↑
2012
Annual accounts 2012822 k €↑
2010
Annual accounts 2010165,2 k €↑
2009
Annual accounts 2009129,8 k €↓
2008
Annual accounts 2008192,9 k €↓
2007
Annual accounts 2007219,9 k €↑
2006
Annual accounts 2006161,7 k €
19/12/1997
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 CREDINCO

Overview

What does VANBREDA CREDINCO 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