ACTIVE

MAKELAARSKANTOOR LIEVEN BERNAERS

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Financial year 2025 · closed on 30/06/2025

Net result

12,2 k €

+18.4% YoY

Gross margin

77 k €

-27.6% YoY

Equity

525,3 k €

-3.3% YoY

What does MAKELAARSKANTOOR LIEVEN BERNAERS do?

MAKELAARSKANTOOR LIEVEN BERNAERS is a Private limited company incorporated in 1999. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Beveren-Kruibeke-Zwijndrecht.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0465.545.956

Incorporation

01/03/1999

Legal form

Private limited company

Registered office

Polderstraat 22
2070 Beveren-Kruibeke-Zwijndrecht · FlandreSee on map

Contributed capital

75 000,00 €

Latest accounts

30/06/2025

Activities (NACE)

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

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	77 k €	-27.6%	106,4 k €	+32.3%	80,4 k €	-76.2%	337,4 k €	+104%	165,7 k €	+69.9%	97,5 k €	+30.3%	74,8 k €	-42.3%	129,6 k €	+31.7%	98,4 k €	-8.1%	107,1 k €	+22.0%	87,8 k €	+5.4%	83,2 k €	+2.1%	81,5 k €	+1.2%	80,6 k €	-32.4%	119,3 k €	+97.0%	60,6 k €	-6.0%	64,4 k €	+9.8%	58,7 k €	-11.9%	66,5 k €
EBITDA	70,4 k €	-29.7%	100,1 k €	+71.0%	58,6 k €	-82.4%	332,8 k €	+107%	161,1 k €	+73.1%	93,1 k €	+33.0%	70 k €	-44.0%	124,9 k €	+33.3%	93,8 k €	-8.4%	102,3 k €	+24.2%	82,3 k €	+4.2%	79 k €	+2.9%	76,8 k €	-1.8%	78,2 k €	-15.7%	92,8 k €	+62.0%	57,3 k €	-8.5%	62,6 k €	+13.4%	55,1 k €	-15.9%	65,6 k €
Operating result	25,7 k €	-18.8%	31,6 k €	+62.5%	19,4 k €	-93.5%	301 k €	+151%	119,8 k €	+127%	52,7 k €	+69.6%	31,1 k €	-63.9%	86 k €	+56.0%	55,1 k €	-11.3%	62,1 k €	+47.1%	42,2 k €	+10.9%	38,1 k €	+20.5%	31,6 k €	-21.6%	40,3 k €	-23.4%	52,6 k €	+143%	21,7 k €	-47.3%	41,1 k €	+19.8%	34,3 k €	-8.9%	37,7 k €
Net result	12,2 k €	+18.4%	10,3 k €	+111%	4,9 k €	-98.0%	245,4 k €	+226%	75,3 k €	+179%	27 k €	+147%	10,9 k €	-73.3%	40,9 k €	+87.2%	21,9 k €	+1535%	1,3 k €	+75.0%	764 €	-89.1%	7 k €	+626%	-1,3 k €	-126%	5,2 k €	-65.4%	15 k €	+281%	-8,3 k €	-232%	6,3 k €	-25.5%	8,4 k €	-48.1%	16,2 k €
Balance sheet
Equity	525,3 k €	-3.3%	543 k €	-0.7%	546,7 k €	-6.7%	585,8 k €	+60.3%	365,3 k €	+25.9%	290,1 k €	+13.6%	255,4 k €	+4.5%	244,4 k €	+20.1%	203,5 k €	+12.0%	181,6 k €	+0.7%	180,3 k €	+0.4%	179,5 k €	-11.4%	202,6 k €	-0.7%	203,9 k €	-18.0%	248,7 k €	+6.4%	233,7 k €	-3.4%	242 k €	+0.4%	241,1 k €	+3.6%	232,7 k €
Total assets	715,5 k €	-6.5%	765,6 k €	-14.1%	891,6 k €	+12.2%	794,6 k €	+19.9%	662,9 k €	+12.0%	591,9 k €	-7.1%	637,1 k €	-5.7%	675,4 k €	-4.2%	705 k €	-4.4%	737,5 k €	-3.1%	761,2 k €	-3.6%	789,4 k €	-3.9%	821,7 k €	-8.3%	896,3 k €	-1.0%	905,1 k €	+12.1%	807,6 k €	+5.3%	766,9 k €	+26.5%	606,4 k €	+1.3%	598,6 k €
Cash	25,3 k €	-5.5%	26,8 k €	-68.0%	83,6 k €	-54.7%	184,6 k €	+5.7%	174,7 k €	+86.1%	93,9 k €	-9.9%	104,3 k €	+8.8%	95,8 k €	-4.5%	100,4 k €	+7.9%	93 k €	+6.8%	87,1 k €	+18.1%	73,8 k €	+1.4%	72,8 k €	+0.2%	72,7 k €	+50.3%	48,3 k €	-13.4%	55,8 k €	-9.5%	61,7 k €	-11.7%	69,9 k €	+48.8%	47 k €
Debts	183,7 k €	-14.7%	215,2 k €	-36.0%	336,4 k €	+68.6%	199,5 k €	-27.4%	274,9 k €	-5.5%	291 k €	-19.7%	362,2 k €	-11.7%	410,1 k €	-14.5%	479,9 k €	-10.0%	533,3 k €	-4.3%	557,3 k €	-4.8%	585,3 k €	-1.3%	592,9 k €	-10.9%	665,7 k €	+5.9%	628,6 k €	+15.3%	545,1 k €	+10.1%	495,1 k €	+48.0%	334,5 k €	+0.1%	334,1 k €

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 · 1 active · 3 ended

Active mandates

Lieven Bernaers

Director

Active

Ended mandates

Lieven Bernaers

Manager

Ended

Peggie Colijn

Manager

Ended

Rita De Bock

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
Orang-Oetan● Active	0805.058.725
STEENBOCK● Active	1018.693.703
VZW Oude Molenkouter● Active	0775.727.707

Annual accounts

Full financial information

	2025	2024	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Micro model	Micro model	Abridged model	Abridged model
Start of the financial year	01/07/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	30/06/2025	30/06/2024	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	18 months	12 months	12 months	12 months	12 months
Filing date	30/01/2026	31/01/2025	24/07/2023	28/06/2022	30/07/2021	31/08/2020
General meeting	28/11/2025	29/11/2024	26/05/2023	27/05/2022	28/05/2021	29/05/2020
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

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	30/06/2025	28/11/2025	30/01/2026	Dutch	PDF
Abridged model	30/06/2024	29/11/2024	31/01/2025	Dutch	PDF
Micro model	31/12/2022	26/05/2023	24/07/2023	Dutch	PDF
Micro model	31/12/2021	27/05/2022	28/06/2022	Dutch	PDF
Abridged model	31/12/2020	28/05/2021	30/07/2021	Dutch	PDF
Abridged model	31/12/2019	29/05/2020	31/08/2020	Dutch	PDF
Abridged model	31/12/2018	31/05/2019	25/07/2019	Dutch	PDF
Abridged model	31/12/2017	25/05/2018	31/08/2018	Dutch	PDF
Abridged model	31/12/2016	26/05/2017	27/07/2017	Dutch	PDF
Abridged model	31/12/2015	27/05/2016	31/08/2016	Dutch	PDF
Abridged model	31/12/2014	29/05/2015	30/07/2015	Dutch	PDF
Abridged model	31/12/2013	30/05/2014	30/07/2014	Dutch	PDF
Abridged model	31/12/2012	31/05/2013	26/07/2013	Dutch	PDF
Abridged model	31/12/2011	25/05/2012	31/07/2012	Dutch	PDF
Abridged model	31/12/2010	27/05/2011	30/06/2011	Dutch	PDF
Abridged model	31/12/2009	28/05/2010	22/07/2010	Dutch	PDF
Abridged model	31/12/2008	29/06/2009	30/06/2009	Dutch	PDF
Abridged model	31/12/2007	30/05/2008	28/07/2008	Dutch	PDF
Abridged model	31/12/2006	25/05/2007	29/06/2007	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 · 1 active · 3 ended

Active mandates

Lieven Bernaers

Director

Active

Ended mandates

Lieven Bernaers

Manager

Ended

Peggie Colijn

Manager

Ended

Rita De Bock

Manager

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates21/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - ANNEE COMPTABLE
PDF
Other07/04/2008
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office18/02/2004
MAATSCHAPPELIJKE ZETEL
PDF
Other07/04/2003
DIVERSEN - 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 202512,2 k €↑
2024
Annual accounts 202410,3 k €↑
2022
Annual accounts 20224,9 k €↓
2021
Annual accounts 2021245,4 k €↑
2020
Annual accounts 202075,3 k €↑
2019
Annual accounts 201927 k €↑
2018
Annual accounts 201810,9 k €↓
2017
Annual accounts 201740,9 k €↑
2016
Annual accounts 201621,9 k €↑
2015
Annual accounts 20151,3 k €↑
2014
Annual accounts 2014764 €↓
2013
Annual accounts 20137 k €↑
2012
Annual accounts 2012-1,3 k €↓
2011
Annual accounts 20115,2 k €↓
2010
Annual accounts 201015 k €↑
2009
Annual accounts 2009-8,3 k €↓
2008
Annual accounts 20086,3 k €↓
2007
Annual accounts 20078,4 k €↓
2006
Annual accounts 200616,2 k €
01/03/1999
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

MAKELAARSKANTOOR LIEVEN BERNAERS

Overview

What does MAKELAARSKANTOOR LIEVEN BERNAERS 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