ACTIVE

VKF

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Financial year 2025 · closed on 31/12/2025
Net result
68,6 k €
-68.1% YoY
Gross margin
563,8 k €
-22.6% YoY
Equity
193,9 k €
-27.2% YoY
Workforce
4,7 ETP
+38.2% YoY

What does VKF do?

VKF is a Private limited company incorporated in 1999. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Mechelen. It employs on average 4,7 ETP workers (FTE).

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0468.815.450
Incorporation
27/12/1999
Legal form
Private limited company
Registered office
Koning Albertstraat(WAL) 137
2800 Mechelen · FlandreSee on map
Contributed capital
21 342,16 €
Latest accounts
31/12/2025
Average workforce
4,7 ETP
Activities (NACE)
66220Activities of insurance agents and brokers· main66220Activities of insurance agents and brokers67201Agents et courtiers d'assurances
Joint committees (1)
  • 307
Signals
ProfitableLow riskPositive cashflowPositive EBITDAHealthy social debts
View the BCE/KBO Public Search record →
Health score
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✦ Verdict · Analyst summary
Financials

Trend over 19 financial years

2025202420232022202120202018201720162015201420132012201120102009200820072006
Income statement
Gross margin563,8 k €728,2 k €622,3 k €580,9 k €487,3 k €454,4 k €263,5 k €350 k €337,9 k €125 k €52,3 k €47,5 k €19,7 k €82,6 k €102,1 k €103,1 k €70 k €66,6 k €39,6 k €
EBITDA157,3 k €436,6 k €383,2 k €315,4 k €232,6 k €196,7 k €162,6 k €248,7 k €250,3 k €61,6 k €10,9 k €9 k €-4,3 k €36,3 k €11,6 k €28,9 k €6,7 k €13,5 k €-475 €
Operating result95,6 k €300,5 k €256,8 k €207,4 k €125,7 k €86 k €59,8 k €148,1 k €142,9 k €-38,3 k €8 k €5,6 k €-8,7 k €28,6 k €3 k €21,1 k €-2,4 k €220 €-7,6 k €
Net result68,6 k €215,1 k €186,3 k €146,4 k €81,2 k €48,4 k €44,6 k €89,8 k €95,7 k €-52,7 k €4,2 k €4,5 k €-16,2 k €19,6 k €654 €13,1 k €-2,9 k €-222 €-7,5 k €
Balance sheet
Equity193,9 k €266,5 k €226,5 k €226,2 k €217,8 k €136,6 k €104,5 k €424,4 k €434,5 k €368,9 k €57,2 k €40,6 k €36,2 k €52,4 k €32,8 k €32,2 k €19,1 k €22 k €22,2 k €
Total assets653,9 k €668,1 k €613,1 k €420,6 k €424,1 k €612,3 k €601,8 k €783,8 k €974,2 k €862,2 k €63,6 k €55,9 k €54,8 k €81 k €66,7 k €68,2 k €53,3 k €60,3 k €34,4 k €
Cash232,1 k €435,9 k €294,2 k €124,8 k €32,5 k €96,1 k €19,3 k €137,2 k €231,4 k €41,5 k €7,2 k €9,7 k €12,3 k €31,9 k €25,6 k €27,6 k €12,1 k €24,7 k €6,4 k €
Debts459,9 k €401,6 k €386,6 k €194,4 k €206,3 k €475,7 k €497,3 k €359,4 k €539,7 k €486,6 k €5,6 k €7,6 k €8,1 k €18 k €33,9 k €36 k €34,2 k €38,3 k €12,1 k €
Other
Workforce4,7 ETP3,4 ETP3,1 ETP3,6 ETP3,6 ETP–––1,7 ETP1,2 ETP0,8 ETP0,9 ETP0,8 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 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 · 3 active · 6 ended

Active mandates

Alfons VERCAMMEN

Bestuurder

Active
Joeri FEREMANS

Bestuurder

Active
Kris VAN KERKHOVEN

Bestuurder

Active

Ended mandates

ALFONS VERCAMMEN

Director

Ended
ALFONS VERCAMMEN

Manager

Ended
Joeri FEREMANS

Director

Ended
Joeri FEREMANS

Manager

Ended
Annual accounts

Full financial information

202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelMicro model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date02/06/202619/05/202521/05/202423/05/202320/06/202206/07/2021
General meeting15/05/202616/05/202517/05/202419/05/202320/05/202221/05/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202515/05/202602/06/2026DutchPDF
Abridged model31/12/202416/05/202519/05/2025DutchPDF
Abridged model31/12/202317/05/202421/05/2024DutchPDF
Abridged model31/12/202219/05/202323/05/2023DutchPDF
Abridged model31/12/202120/05/202220/06/2022DutchPDF
Micro model31/12/202021/05/202106/07/2021DutchPDF
Micro model31/12/201915/05/202011/06/2020DutchPDF
Micro model31/12/201817/05/201927/05/2019DutchPDF
Micro model31/12/201718/05/201824/05/2018DutchPDF
Abridged model31/12/201605/06/201721/06/2017DutchPDF
Abridged model31/12/201520/05/201631/05/2016DutchPDF
Abridged model31/12/201425/06/201507/07/2015DutchPDF
Abridged model31/12/201328/06/201415/07/2014DutchPDF
Abridged model31/12/201224/06/201302/07/2013DutchPDF
Abridged model31/12/201113/06/201227/06/2012DutchPDF
Abridged model31/12/201010/06/201129/06/2011DutchPDF
Abridged model31/12/200930/06/201013/07/2010DutchPDF
Abridged model31/12/200810/08/200924/08/2009DutchPDF
Abridged model31/12/200709/08/200825/08/2008DutchPDF
Abridged model31/12/200613/08/200727/08/2007DutchPDF
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 · 3 active · 6 ended

Active mandates

Alfons VERCAMMEN

Bestuurder

Active
Joeri FEREMANS

Bestuurder

Active
Kris VAN KERKHOVEN

Bestuurder

Active

Ended mandates

ALFONS VERCAMMEN

Director

Ended
ALFONS VERCAMMEN

Manager

Ended
Joeri FEREMANS

Director

Ended
Joeri FEREMANS

Manager

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Restructuring15/07/2019
    BENAMING - KAPITAAL - AANDELEN - ALGEMENE VERGADERING - WIJZIGING RECHTSVORM - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring22/05/2019
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Mandates07/03/2019
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Capital / shares11/05/2018
    DIVERSEN - KAPITAAL - AANDELEN
    PDF
  • Capital / shares05/02/2015
    KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …)
    PDF
  • Mandates13/07/2011
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Mandates16/08/2004
    BENAMING - ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING - KAPITAAL - AANDELEN - 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

Timeline

  1. 2025
    Annual accounts 202568,6 k €↓
  2. 2024
    Annual accounts 2024215,1 k €↑
  3. 2023
    Annual accounts 2023186,3 k €↑
  4. 2022
    Annual accounts 2022146,4 k €↑
  5. 2021
    Annual accounts 202181,2 k €↑
  6. 2020
    Annual accounts 202048,4 k €↑
  7. 2018
    Annual accounts 201844,6 k €↓
  8. 2017
    Annual accounts 201789,8 k €↓
  9. 2016
    Annual accounts 201695,7 k €↑
  10. 2015
    Annual accounts 2015-52,7 k €↓
  11. 2014
    Annual accounts 20144,2 k €↓
  12. 2013
    Annual accounts 20134,5 k €↑
  13. 2012
    Annual accounts 2012-16,2 k €↓
  14. 2011
    Annual accounts 201119,6 k €↑
  15. 2010
    Annual accounts 2010654 €↓
  16. 2009
    Annual accounts 200913,1 k €↑
  17. 2008
    Annual accounts 2008-2,9 k €↓
  18. 2007
    Annual accounts 2007-222 €↑
  19. 2006
    Annual accounts 2006-7,5 k €
  20. 27/12/1999
    IncorporationPrivate limited company