ACTIVE

B.D.

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Financial year 2025 · closed on 30/06/2025

Net result

20 k €

-8.8% YoY

Gross margin

243 k €

-2.3% YoY

Equity

575,9 k €

+3.6% YoY

What does B.D. do?

B.D. is a Public limited company incorporated in 1998. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Menen.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0464.488.062

Incorporation

30/10/1998

Legal form

Public limited company

Registered office

LAR blok C 1
8930 Menen · FlandreSee on map

Contributed capital

399 157,41 €

Latest accounts

30/06/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Signals

ProfitablePositive cashflowPositive EBITDA

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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		2011		2010		2009		2008		2007
Income statement
Gross margin	243 k €	-2.3%	248,6 k €	-4.1%	259,2 k €	+6.5%	243,3 k €	-0.9%	245,6 k €	-0.8%	247,5 k €	-9.2%	272,5 k €	+113%	128,2 k €	-28.9%	180,5 k €	-14.0%	209,7 k €	+10.3%	190,2 k €	+4.4%	182,2 k €	-17.0%	219,5 k €	+31.4%	167 k €	+10.4%	151,3 k €	+12.2%	134,9 k €	-13.1%	155,2 k €	+5.5%	147 k €	+38.4%	106,3 k €
EBITDA	235,2 k €	-2.1%	240,2 k €	-4.8%	252,3 k €	+8.0%	233,6 k €	-1.9%	238,2 k €	-1.0%	240,7 k €	-10.0%	267,5 k €	+116%	124,1 k €	-29.0%	174,7 k €	-14.7%	204,8 k €	+11.3%	184 k €	+3.8%	177,3 k €	-16.5%	212,5 k €	+29.8%	163,6 k €	+11.1%	147,3 k €	+12.2%	131,2 k €	-13.5%	151,7 k €	+6.6%	142,3 k €	+38.0%	103,1 k €
Operating result	69,9 k €	-4.3%	73,1 k €	-15.5%	86,5 k €	+18.9%	72,7 k €	-19.3%	90,1 k €	-12.4%	102,8 k €	-22.7%	133 k €	+3052%	4,2 k €	-87.7%	34,3 k €	-60.2%	86,1 k €	+69.2%	50,9 k €	-3.3%	52,7 k €	-21.3%	66,9 k €	+209%	21,6 k €	+5.9%	20,4 k €	-24.8%	27,2 k €	-58.4%	65,3 k €	+0.4%	65 k €	+142%	26,9 k €
Net result	20 k €	-8.8%	21,9 k €	-42.0%	37,8 k €	+11.4%	33,9 k €	-7.4%	36,7 k €	-22.3%	47,2 k €	-33.6%	71,2 k €	+277%	-40,2 k €	+42.6%	-70 k €	-189%	78,9 k €	+588%	-16,2 k €	+40.0%	-27 k €	-400%	9 k €	+120%	-45,5 k €	+12.9%	-52,3 k €	-1179%	-4,1 k €	-4.0%	-3,9 k €	-111%	-1,9 k €	+93.1%	-26,8 k €
Balance sheet
Equity	575,9 k €	+3.6%	555,9 k €	+4.1%	534 k €	+7.6%	496,2 k €	+7.3%	462,2 k €	+49.4%	309,3 k €	+18.0%	262,1 k €	+54.2%	169,9 k €	-19.1%	210,1 k €	-25.0%	280,1 k €	+39.2%	201,2 k €	-7.4%	217,3 k €	-11.0%	244,3 k €	+3.8%	235,3 k €	-16.2%	280,8 k €	-15.7%	333,1 k €	-1.2%	337,2 k €	-1.2%	341,1 k €	-0.5%	343 k €
Total assets	2,3 M €	-6.8%	2,4 M €	-5.4%	2,6 M €	-4.7%	2,7 M €	-1.2%	2,7 M €	+5.4%	2,6 M €	-2.9%	2,7 M €	-13.2%	3,1 M €	-9.6%	3,4 M €	+59.9%	2,1 M €	-1.6%	2,2 M €	+5.1%	2,1 M €	+0.9%	2 M €	-0.7%	2,1 M €	+5.7%	1,9 M €	+13.9%	1,7 M €	-0.5%	1,7 M €	+2.8%	1,7 M €	+11.8%	1,5 M €
Cash	–		–		–		590 €	-48.8%	1,2 k €		–		432,2 €	+267%	117,9 €	-99.5%	23,1 k €	-62.7%	62,1 k €	+9641%	637,7 €	-81.6%	3,5 k €	+107%	1,7 k €	-87.3%	13,2 k €	+436%	2,5 k €	-50.1%	4,9 k €	+118%	2,3 k €	-60.0%	5,7 k €	-68.5%	18 k €
Debts	1,7 M €	-9.6%	1,8 M €	-8.3%	2 M €	-7.6%	2,2 M €	-2.9%	2,2 M €	-2.2%	2,3 M €	-5.1%	2,4 M €	-17.1%	2,9 M €	-9.0%	3,2 M €	+72.8%	1,8 M €	-5.8%	2 M €	+6.6%	1,8 M €	+2.5%	1,8 M €	-1.3%	1,8 M €	+9.4%	1,7 M €	+21.0%	1,4 M €	-0.3%	1,4 M €	+3.9%	1,3 M €	+15.5%	1,1 M €

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 30/06/2025 · 3 active · 11 ended

Active mandates

Sebastien (AV2022) BOURGEOIS

Director · since 26 novembre 2016

Active

Philippe (AV 2022) BOURGEOIS

Managing director

Active

Veronique (AV 2022) DEGOMME

Director

Active

Ended mandates

Sebastien BOURGEOIS

Director · since 26 novembre 2016

Ended

Philippe (AV 2016) BOURGEOIS

Managing director

Ended

Philippe (AV 2028) BOURGEOIS

Managing director

Ended

PHILIPPE BOURGEOIS

Managing director

Ended

At this address

Other companies at this address

Company	CBE no.
BUREAU VROMAN● Active	0463.141.841
VERZEKERINGEN BOURGEOIS DEGOMME● Active	0659.925.147
Verzekeringskantoor Vroman- Bourgeois Assurances● Active	0447.322.131

Annual accounts

Full financial information

	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	01/07/2024	01/07/2023	01/07/2022	01/07/2021	01/07/2020	01/07/2019
Closing of the financial year	30/06/2025	30/06/2024	30/06/2023	30/06/2022	30/06/2021	30/06/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/01/2026	10/02/2025	31/01/2024	28/02/2023	28/02/2022	26/02/2021
General meeting	29/11/2025	30/11/2024	25/11/2023	26/11/2022	27/11/2021	28/11/2020
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
Micro model	30/06/2025	29/11/2025	30/01/2026	Dutch	PDF
Micro model	30/06/2024	30/11/2024	10/02/2025	Dutch	PDF
Micro model	30/06/2023	25/11/2023	31/01/2024	Dutch	PDF
Micro model	30/06/2022	26/11/2022	28/02/2023	Dutch	PDF
Micro model	30/06/2021	27/11/2021	28/02/2022	Dutch	PDF
Micro model	30/06/2020	28/11/2020	26/02/2021	Dutch	PDF
Micro model	30/06/2019	30/11/2019	16/03/2020	Dutch	PDF
Micro model	30/06/2018	24/11/2018	27/02/2019	Dutch	PDF
Micro model	30/06/2017	25/11/2017	28/02/2018	Dutch	PDF
Abridged model	30/06/2016	26/11/2016	28/02/2017	Dutch	PDF
Abridged model	30/06/2015	28/11/2015	29/02/2016	Dutch	PDF
Abridged model	30/06/2014	29/11/2014	27/02/2015	Dutch	PDF
Abridged model	30/06/2013	30/11/2013	28/02/2014	Dutch	PDF
Abridged model	30/06/2012	24/11/2012	06/03/2013	Dutch	PDF
Abridged model	30/06/2011	26/11/2011	29/02/2012	Dutch	PDF
Abridged model	30/06/2010	27/11/2010	24/02/2011	Dutch	PDF
Abridged model	30/06/2009	29/11/2009	29/01/2010	Dutch	PDF
Abridged model	30/06/2008	29/11/2008	25/02/2009	Dutch	PDF
Abridged model	30/06/2007	24/11/2007	29/02/2008	Dutch	PDF
Abridged model	30/06/2006	25/11/2006	31/01/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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 30/06/2025 · 3 active · 11 ended

Active mandates

Sebastien (AV2022) BOURGEOIS

Director · since 26 novembre 2016

Active

Philippe (AV 2022) BOURGEOIS

Managing director

Active

Veronique (AV 2022) DEGOMME

Director

Active

Ended mandates

Sebastien BOURGEOIS

Director · since 26 novembre 2016

Ended

Philippe (AV 2016) BOURGEOIS

Managing director

Ended

Philippe (AV 2028) BOURGEOIS

Managing director

Ended

PHILIPPE BOURGEOIS

Managing director

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates13/04/2023
ONTSLAGEN - BENOEMINGEN
PDF
Registered office20/02/2020
MAATSCHAPPELIJKE ZETEL
PDF
Other18/04/2019
DOEL
PDF
Mandates29/12/2016
ONTSLAGEN - BENOEMINGEN
PDF
Mandates23/03/2011
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares01/04/2005
KAPITAAL - AANDELEN - ALGEMENE VERGADERING - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates16/09/2004
MAATSCHAPPELIJKE ZETEL - 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 202520 k €↓
2024
Annual accounts 202421,9 k €↓
2023
Annual accounts 202337,8 k €↑
2022
Annual accounts 202233,9 k €↓
2021
Annual accounts 202136,7 k €↓
2020
Annual accounts 202047,2 k €↓
2019
Annual accounts 201971,2 k €↑
2018
Annual accounts 2018-40,2 k €↑
2017
Annual accounts 2017-70 k €↓
2016
Annual accounts 201678,9 k €↑
2015
Annual accounts 2015-16,2 k €↑
2014
Annual accounts 2014-27 k €↓
2013
Annual accounts 20139 k €↑
2012
Annual accounts 2012-45,5 k €↑
2011
Annual accounts 2011-52,3 k €↓
2010
Annual accounts 2010-4,1 k €↓
2009
Annual accounts 2009-3,9 k €↓
2008
Annual accounts 2008-1,9 k €↑
2007
Annual accounts 2007-26,8 k €
30/10/1998
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

B.D.

Overview

What does B.D. 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