ACTIVE

KRUISHOUTEMS ZAKENKANTOOR

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Financial year 2025 · closed on 31/12/2025

Net result

3,9 k €

-69.2% YoY

Gross margin

29,7 k €

+17.2% YoY

Equity

657,4 k €

-11.4% YoY

What does KRUISHOUTEMS ZAKENKANTOOR do?

KRUISHOUTEMS ZAKENKANTOOR is a Private limited company incorporated in 1999. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Kruisem.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0465.608.215

Incorporation

09/03/1999

Legal form

Private limited company

Registered office

Brugstraat(KRU) 2
9770 Kruisem · FlandreSee on map

Contributed capital

18 592,01 €

Latest accounts

31/12/2025

Activities (NACE)

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

Joint committees (2)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 21 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006		2005
Income statement
Gross margin	29,7 k €	+17.2%	25,3 k €	-52.4%	53,2 k €	-89.7%	516,4 k €	+302%	128,4 k €	-14.7%	150,5 k €	-7.6%	162,9 k €	+9.9%	148,2 k €	-1.1%	149,9 k €	+10.5%	135,6 k €	-33.5%	203,9 k €	+30.9%	155,7 k €	+8.7%	143,3 k €	+21.8%	117,6 k €	+21.1%	97,2 k €	+29.6%	75 k €	-12.3%	85,5 k €	-14.1%	99,6 k €	+14.3%	87,1 k €	-12.3%	99,4 k €	+56.3%	63,6 k €
EBITDA	26,3 k €	+19.8%	21,9 k €	-56.3%	50,2 k €	-90.2%	513,5 k €	+451%	93,3 k €	-26.9%	127,5 k €	-8.8%	139,8 k €	+10.2%	126,9 k €	+1.5%	125 k €	+8.2%	115,5 k €	-9.4%	127,5 k €	+49.6%	85,2 k €	+42.2%	59,9 k €	+21.8%	49,2 k €	+34.6%	36,6 k €	-7.8%	39,7 k €	-17.8%	48,2 k €	-24.7%	64,1 k €	+16.6%	55 k €	-8.0%	59,8 k €	+58.5%	37,7 k €
Operating result	2,9 k €	-57.3%	6,7 k €	-80.8%	35 k €	-93.0%	498,3 k €	+590%	72,2 k €	-33.2%	108,2 k €	-15.3%	127,7 k €	+11.6%	114,4 k €	+1.7%	112,5 k €	+15.8%	97,2 k €	-8.6%	106,3 k €	+71.4%	62 k €	+92.7%	32,2 k €	+43.5%	22,4 k €	+21.7%	18,4 k €	+25.2%	14,7 k €	-19.6%	18,3 k €	-32.7%	27,2 k €	+58.5%	17,2 k €	-22.8%	22,2 k €	+1482%	-1,6 k €
Net result	3,9 k €	-69.2%	12,7 k €	-56.5%	29,3 k €	-91.6%	347,3 k €	+619%	48,3 k €	-41.9%	83,1 k €	-6.4%	88,8 k €	+12.7%	78,8 k €	+0.0%	78,8 k €	+35.4%	58,2 k €	-10.8%	65,2 k €	+41.9%	46 k €	+99.1%	23,1 k €	+36.1%	17 k €	+11.8%	15,2 k €	+79.3%	8,5 k €	-37.3%	13,5 k €	-13.8%	15,7 k €	+106%	7,6 k €	-46.7%	14,3 k €	+713%	-2,3 k €
Balance sheet
Equity	657,4 k €	-11.4%	742,2 k €	-8.1%	807,5 k €	-4.5%	845,1 k €	+52.1%	555,8 k €	+9.5%	507,5 k €	+19.6%	424,4 k €	+26.4%	335,6 k €	+30.7%	256,9 k €	+44.2%	178,1 k €	+48.5%	119,9 k €	+50.5%	79,7 k €	-57.8%	188,7 k €	+13.9%	165,6 k €	+11.4%	148,7 k €	+11.4%	133,5 k €	+6.8%	125 k €	+12.1%	111,5 k €	+16.4%	95,8 k €	+8.6%	88,2 k €	+19.3%	73,9 k €
Total assets	696,9 k €	-10.1%	775 k €	-9.1%	852,6 k €	-7.8%	925,2 k €	+43.3%	645,8 k €	+9.6%	589 k €	+12.3%	524,6 k €	+17.4%	446,8 k €	+11.9%	399,2 k €	+24.3%	321,3 k €	+1.7%	315,9 k €	-0.2%	316,5 k €	-17.6%	384,1 k €	+9.4%	351 k €	+1.0%	347,5 k €	+2.8%	338,2 k €	-1.0%	341,5 k €	+1.1%	337,9 k €	+0.2%	337,2 k €	-10.9%	378,5 k €	+61.0%	235,2 k €
Cash	50,4 k €	-83.7%	308,6 k €	-1.9%	314,6 k €	-0.7%	316,9 k €	-14.2%	369,4 k €	+16.7%	316,5 k €	+7.9%	293,3 k €	+37.2%	213,7 k €	+16.3%	183,8 k €	+116%	85 k €	+0.4%	84,7 k €	+41.3%	59,9 k €	-39.1%	98,4 k €	+74.1%	56,5 k €	-42.0%	97,5 k €	+21.4%	80,3 k €	+16.7%	68,8 k €	+41.3%	48,7 k €	+107%	23,5 k €	-49.6%	46,6 k €	+128%	20,4 k €
Debts	17 k €	-46.9%	32,1 k €	-29.0%	45,2 k €	-43.6%	80 k €	-9.8%	88,8 k €	+10.0%	80,7 k €	-18.8%	99,5 k €	-9.9%	110,4 k €	-22.4%	142,3 k €	-0.6%	143,2 k €	-26.9%	195,9 k €	-17.2%	236,8 k €	+21.2%	195,3 k €	+5.4%	185,3 k €	-6.8%	198,8 k €	-2.8%	204,6 k €	-5.5%	216,4 k €	-4.4%	226,4 k €	-6.2%	241,3 k €	-16.8%	290,2 k €	+80.1%	161,2 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		1,2 ETP	0.0%	1,2 ETP	-29.4%	1,7 ETP	0.0%	1,7 ETP	+6.2%	1,6 ETP	+77.8%	0,9 ETP	0.0%	0,9 ETP	0.0%	0,9 ETP	+28.6%	0,7 ETP	0.0%	0,7 ETP	0.0%	0,7 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 4 ended

Active mandates

FILIP VAN CAUWENBERGHE

Director

Active

MATHIEU VANTIEGHEM

Director

Active

Ended mandates

Filip Van Cauwenberghe

Manager

Ended

Jozef Vantieghem

Manager

Ended

MATHIEU VANTIEGHEM

Manager

Ended

PETER VAN HULLE

Director

Ended

At this address

Other companies at this address

Company	CBE no.
4 ADVICE● Active	0782.399.921
FOUR ADVICE● Active	0766.438.768

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	01/01/2025	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	27/08/2026	29/08/2025	02/07/2024	19/07/2023	30/08/2022	27/08/2021
General meeting	06/06/2026	07/06/2025	01/06/2024	03/06/2023	04/06/2022	30/06/2021
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

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	06/06/2026	27/08/2026	Dutch	PDF
Micro model	31/12/2024	07/06/2025	29/08/2025	Dutch	PDF
Micro model	31/12/2023	01/06/2024	02/07/2024	Dutch	PDF
Micro model	31/12/2022	03/06/2023	19/07/2023	Dutch	PDF
Micro model	31/12/2021	04/06/2022	30/08/2022	Dutch	PDF
Micro model	31/12/2020	30/06/2021	27/08/2021	Dutch	PDF
Micro model	31/12/2019	06/06/2020	01/09/2020	Dutch	PDF
Micro model	31/12/2018	01/06/2019	01/07/2019	Dutch	PDF
Micro model	31/12/2017	30/06/2018	06/07/2018	Dutch	PDF
Micro model	31/12/2016	03/06/2017	03/07/2017	Dutch	PDF
Abridged model	31/12/2015	04/06/2016	04/07/2016	Dutch	PDF
Abridged model	31/12/2014	06/06/2015	30/06/2015	Dutch	PDF
Abridged model	31/12/2013	07/06/2014	01/07/2014	Dutch	PDF
Abridged model	31/12/2012	01/06/2013	28/06/2013	Dutch	PDF
Abridged model	31/12/2011	02/06/2012	05/07/2012	Dutch	PDF
Abridged model	31/12/2010	04/06/2011	09/07/2011	Dutch	PDF
Abridged model	31/12/2009	05/06/2010	12/07/2010	Dutch	PDF
Abridged model	31/12/2008	06/06/2009	18/06/2009	Dutch	PDF
Abridged model	31/12/2007	07/06/2008	30/06/2008	Dutch	PDF
Abridged model	31/12/2006	02/06/2007	19/06/2007	Dutch	PDF
Abridged model	31/12/2005	30/06/2006	28/06/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

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 · 4 ended

Active mandates

FILIP VAN CAUWENBERGHE

Director

Active

MATHIEU VANTIEGHEM

Director

Active

Ended mandates

Filip Van Cauwenberghe

Manager

Ended

Jozef Vantieghem

Manager

Ended

MATHIEU VANTIEGHEM

Manager

Ended

PETER VAN HULLE

Director

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates18/11/2022
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN
PDF
Mandates18/03/2021
ONTSLAGEN - BENOEMINGEN
PDF
Mandates14/04/2016
ONTSLAGEN - BENOEMINGEN
PDF
Mandates31/10/2008
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 20253,9 k €↓
2024
Annual accounts 202412,7 k €↓
2023
Annual accounts 202329,3 k €↓
2022
Annual accounts 2022347,3 k €↑
2021
Annual accounts 202148,3 k €↓
2020
Annual accounts 202083,1 k €↓
2019
Annual accounts 201988,8 k €↑
2018
Annual accounts 201878,8 k €↑
2017
Annual accounts 201778,8 k €↑
2016
Annual accounts 201658,2 k €↓
2015
Annual accounts 201565,2 k €↑
2014
Annual accounts 201446 k €↑
2013
Annual accounts 201323,1 k €↑
2012
Annual accounts 201217 k €↑
2011
Annual accounts 201115,2 k €↑
2010
Annual accounts 20108,5 k €↓
2009
Annual accounts 200913,5 k €↓
2008
Annual accounts 200815,7 k €↑
2007
Annual accounts 20077,6 k €↓
2006
Annual accounts 200614,3 k €↑
2005
Annual accounts 2005-2,3 k €
09/03/1999
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

KRUISHOUTEMS ZAKENKANTOOR

Overview

What does KRUISHOUTEMS ZAKENKANTOOR do?

Trend over 21 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