ACTIVE

RUWELKA VERZEKERINGEN

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Financial year 2025 · Closed on 31/12/2025

Net result642,6 k €+20,4 %over 1 year

Gross margin2,3 M €+9,2 %over 1 year

Equity3,3 M €+9,9 %over 1 year

Workforce18,9 ETP+16,0 %over 1 year

Identity

Source · BCE/KBO

RUWELKA VERZEKERINGEN is a Private limited company incorporated in 2009. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Gistel. It employs on average 18,9 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0821.631.174
Incorporation: 21/12/2009
Legal form: Private limited company
Registered office: Torhoutse Baan 49
8470 Gistel · FlandreSee on map
Contributed capital: 1 000,00 €
Latest accounts: 31/12/2025
Average workforce: 18,9 ETP

Activities (NACE)

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

Joint committees (1)

Contacts

2 public details availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 16 filings

Trend over 16 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	2,3 M €	+9.2%	2,1 M €	+2.6%	2,1 M €	+9.4%	1,9 M €	+2.0%	1,8 M €
EBITDA	977,6 k €	+10.7%	882,8 k €	-15.6%	1 M €	+8.1%	967,5 k €	-0.7%	974,8 k €
Operating result	850,2 k €	+11.3%	763,6 k €	-18.4%	936,1 k €	+11.9%	836,8 k €	-2.3%	856,6 k €
Net result	642,6 k €	+20.4%	533,8 k €	-16.9%	642,6 k €	+19.3%	538,7 k €	-5.7%	571,5 k €
Balance sheet
Equity	3,3 M €	+9.9%	3 M €	+21.5%	2,5 M €	+35.0%	1,8 M €	+20.0%	1,5 M €
Total assets	3,6 M €	+9.0%	3,3 M €	+17.0%	2,8 M €	+30.6%	2,2 M €	+16.0%	1,9 M €
Cash	851,4 k €	+14.3%	744,8 k €	+354%	164,2 k €	-85.5%	1,1 M €	+53.9%	737,7 k €
Debts	274,4 k €	-0.5%	275,8 k €	-16.2%	329,3 k €	+4.6%	314,7 k €	-3.0%	324,4 k €
Other
Workforce	18,9 ETP	+16.0%	16,3 ETP	+1.9%	16,0 ETP	+3.2%	15,5 ETP	-10.4%	17,3 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 6 ended

Active mandates

Ruben Monstrey

Director · since 21 décembre 2009

Active

Ended mandates

IMMO DECLOEDT

Manager · since 01 janvier 2016 · 0427.723.181

Ended

Ruben MONSTREY

Manager · since 21 décembre 2009

Ended

Ruben Monstrey

Director · since 16 décembre 2009

Ended

Ruben Monstrey

Manager · since 16 décembre 2009

Ended

Full financial information

Source · NBB

	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	21/09/2026	07/10/2025	08/10/2024	24/10/2023	20/10/2022	28/10/2021
General meeting	31/08/2026	20/09/2025	20/09/2024	30/09/2023	20/09/2022	01/10/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 16 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	31/08/2026	21/09/2026	Dutch	PDF
Abridged model	31/12/2024	20/09/2025	07/10/2025	Dutch	PDF
Abridged model	31/12/2023	20/09/2024	08/10/2024	Dutch	PDF
Abridged model	31/12/2022	30/09/2023	24/10/2023	Dutch	PDF
Abridged model	31/12/2021	20/09/2022	20/10/2022	Dutch	PDF
Abridged model	31/12/2020	01/10/2021	28/10/2021	Dutch	PDF
Abridged model	31/12/2019	01/10/2020	31/10/2020	Dutch	PDF
Abridged model	31/12/2018	10/08/2019	22/08/2019	Dutch	PDF
Abridged model	31/12/2017	31/07/2018	31/08/2018	Dutch	PDF
Abridged model	31/12/2016	20/06/2017	20/07/2017	Dutch	PDF
Abridged model	31/12/2015	20/06/2016	20/07/2016	Dutch	PDF
Abridged model	31/12/2014	20/06/2015	17/07/2015	Dutch	PDF
Abridged model	31/12/2013	31/07/2014	22/08/2014	Dutch	PDF
Abridged model	31/12/2012	31/07/2013	23/08/2013	Dutch	PDF
Abridged model	31/12/2011	15/07/2012	14/08/2012	Dutch	PDF
Abridged model	31/12/2010	19/09/2011	13/10/2011	Dutch	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 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.

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 6 ended

Active mandates

Ruben Monstrey

Director · since 21 décembre 2009

Active

Ended mandates

IMMO DECLOEDT

Manager · since 01 janvier 2016 · 0427.723.181

Ended

Ruben MONSTREY

Manager · since 21 décembre 2009

Ended

Ruben Monstrey

Director · since 16 décembre 2009

Ended

Ruben Monstrey

Manager · since 16 décembre 2009

Ended

Ownership and network

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Try for free

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates20/12/2021
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/06/2018
ONTSLAGEN - BENOEMINGEN
PDF
Mandates12/05/2016
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring05/01/2016
BENAMING - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring19/11/2015
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Registered office19/05/2015
BENAMING - MAATSCHAPPELIJKE ZETEL - DOEL
PDF
Capital / shares04/01/2013
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN
PDF
Registered office16/03/2011
MAATSCHAPPELIJKE ZETEL
PDF

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A company's peers, by sector and size, are included in the Business plan.

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Timeline

2025
Annual accounts 2025642,6 k €↑
2024
Annual accounts 2024533,8 k €↓
2023
Annual accounts 2023642,6 k €↑
2022
Annual accounts 2022538,7 k €↓
2021
Annual accounts 2021571,5 k €↑
2020
Annual accounts 2020375,5 k €↑
2019
Annual accounts 2019321,8 k €↓
2018
Annual accounts 2018333 k €↑
2017
Annual accounts 2017227,2 k €↑
2016
Annual accounts 2016136 k €↑
2015
Annual accounts 201523,2 k €↓
2014
Annual accounts 201449,1 k €↑
2013
Annual accounts 201348,1 k €↓
2012
Annual accounts 2012174,2 k €↑
2011
Annual accounts 20112,4 k €↑
2010
Annual accounts 2010-35,2 k €
21/12/2009
IncorporationPrivate limited company

RUWELKA VERZEKERINGEN

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

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

Timeline