ACTIVE

Be-Sure

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Financial year 2025 · closed on 31/12/2025

Net result

244,9 k €

+14.6% YoY

Gross margin

777,1 k €

+10.0% YoY

Equity

329,1 k €

+41.5% YoY

Workforce

6,1 ETP

+19.6% YoY

What does Be-Sure do?

Be-Sure is a Private limited company incorporated in 2004. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Malle. It employs on average 6,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0864.078.671

Incorporation

12/03/2004

Legal form

Private limited company

Registered office

Antwerpsesteenweg 369
2390 Malle · FlandreSee on map

Contributed capital

18 600,00 €

Latest accounts

31/12/2025

Average workforce

6,1 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	777,1 k €	+10.0%	706,3 k €	+8.2%	652,8 k €	+22.1%	534,5 k €	+11.2%	480,4 k €	+7.2%	448 k €	-15.3%	529 k €	+31.0%	403,9 k €	-0.1%	404,4 k €	+4.5%	386,9 k €	+30.1%	297,5 k €	-3.1%	307 k €	-12.1%	349,5 k €	+17.7%	296,9 k €	+12.0%	265,1 k €	+15.2%	230,1 k €	+19.1%	193,2 k €	+12.3%	172 k €	+17.8%	146 k €	+4.0%	140,4 k €
EBITDA	384,4 k €	+19.8%	320,8 k €	+55.0%	207 k €	+37.7%	150,3 k €	+4.7%	143,5 k €	+15.4%	124,4 k €	-45.4%	227,8 k €	+72.6%	131,9 k €	-4.2%	137,7 k €	-1.3%	139,5 k €	+61.3%	86,5 k €	-36.5%	136,2 k €	-19.9%	170,1 k €	+22.8%	138,5 k €	+4.6%	132,4 k €	-1.5%	134,4 k €	+8.3%	124,1 k €	-3.6%	128,8 k €	+7.1%	120,2 k €	-3.4%	124,4 k €
Operating result	336,5 k €	+14.6%	293,5 k €	+72.4%	170,3 k €	+47.1%	115,7 k €	+0.7%	114,9 k €	+17.7%	97,6 k €	-50.3%	196,4 k €	+80.4%	108,9 k €	-6.6%	116,5 k €	+20.3%	96,9 k €	+41.5%	68,5 k €	-45.1%	124,6 k €	+42.4%	87,5 k €	+37.9%	63,5 k €	+7.3%	59,2 k €	-18.5%	72,6 k €	+8.9%	66,7 k €	-17.0%	80,3 k €	+15.1%	69,8 k €	-1.0%	70,5 k €
Net result	244,9 k €	+14.6%	213,8 k €	+81.2%	118 k €	+67.8%	70,4 k €	-10.5%	78,6 k €	+26.3%	62,3 k €	-49.6%	123,6 k €	+87.8%	65,8 k €	+0.7%	65,4 k €	+26.4%	51,7 k €	+24.1%	41,7 k €	-46.2%	77,5 k €	+50.3%	51,6 k €	+42.6%	36,1 k €	-4.9%	38 k €	-6.7%	40,7 k €	+14.2%	35,7 k €	-26.1%	48,3 k €	+25.7%	38,4 k €	+2.7%	37,4 k €
Balance sheet
Equity	329,1 k €	+41.5%	232,5 k €	+67.6%	138,7 k €	+52.6%	90,9 k €	-8.3%	99,1 k €	+70.9%	58 k €	+180%	20,7 k €	+0.2%	20,7 k €	-0.8%	20,8 k €	-71.2%	72,5 k €	+11.8%	64,8 k €	+180%	23,1 k €	-68.3%	72,8 k €	-18.3%	89,2 k €	+68.1%	53 k €	-63.1%	143,7 k €	+39.6%	103 k €	-34.5%	157,3 k €	+44.3%	109 k €	+54.4%	70,6 k €
Total assets	874,8 k €	+25.6%	696,6 k €	-22.3%	896,6 k €	+13.7%	788,3 k €	+9.5%	719,7 k €	-2.2%	735,9 k €	-5.8%	780,8 k €	+5.4%	741,1 k €	+306%	182,4 k €	-24.3%	240,9 k €	+26.5%	190,4 k €	-21.6%	242,8 k €	+7.7%	225,5 k €	-24.4%	298,2 k €	-26.8%	407,3 k €	-0.4%	408,9 k €	-0.7%	411,8 k €	+3.9%	396,3 k €	+3.1%	384,4 k €	-5.6%	407,2 k €
Cash	68,3 k €	-13.3%	78,8 k €	-37.4%	125,8 k €	+700%	15,7 k €	-25.3%	21 k €	+281%	5,5 k €	-77.4%	24,5 k €	+11.0%	22 k €		–		73,7 k €	+28.3%	57,4 k €	+12.4%	51,1 k €	+53.7%	33,3 k €	+22.3%	27,2 k €	-65.0%	77,7 k €	+75.2%	44,3 k €	+16.6%	38 k €	+188%	13,2 k €	-75.0%	52,9 k €	+43.7%	36,8 k €
Debts	542,2 k €	+17.9%	459,8 k €	-38.9%	752,3 k €	+8.7%	692 k €	+12.3%	616,2 k €	-8.6%	673,9 k €	-10.8%	755,3 k €	+5.4%	716,4 k €	+357%	156,8 k €	-4.5%	164,2 k €	+35.3%	121,4 k €	-43.7%	215,5 k €	+44.4%	149,3 k €	-27.4%	205,6 k €	-41.4%	350,9 k €	+33.9%	262 k €	-13.8%	304 k €	+28.8%	236 k €	-12.8%	270,7 k €	-18.5%	331,9 k €
Other
Workforce	6,1 ETP	+19.6%	5,1 ETP	-25.0%	6,8 ETP	-6.8%	7,3 ETP	+4.3%	7,0 ETP	-2.8%	7,2 ETP	+22.0%	5,9 ETP	-3.3%	6,1 ETP	+8.9%	5,6 ETP	-6.7%	6,0 ETP	+27.7%	4,7 ETP	-2.1%	4,8 ETP	+17.1%	4,1 ETP	+5.1%	3,9 ETP	+21.9%	3,2 ETP	+18.5%	2,7 ETP	+42.1%	1,9 ETP	+46.2%	1,3 ETP	+30.0%	1,0 ETP	+25.0%	0,8 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 · 2 active · 21 ended

Active mandates

KRIS DUCHENE

Administrator - manager · since 01 avril 2004 · 0479.229.389

Represented by Kris Duchene

Active

Tim Van Rooy

Administrator - manager · since 01 avril 2004 · 0864.005.130

Represented by Tim Van Rooy

Active

Ended mandates

Kris Duchene

Administrator - manager · since 01 avril 2004 · until 30 décembre 2019

Ended

Kris Duchene

Manager · since 01 avril 2004

Ended

KRIS DUCHENE

Manager · since 01 avril 2004 · 0479.229.389

Represented by Kris Duchene

Ended

Ludo Van Looveren

Administrator - manager · since 01 avril 2004 · until 30 décembre 2019

Ended

At this address

Other companies at this address

Company	CBE no.
Group Torenhof● Active	0789.374.716
KLT● Active	0662.536.031
Vereniging van Mede-eigenaars van de "Residentie Torenhof" te 2390 Malle, Antwerpsesteenweg 369● Active	0646.922.593

Annual accounts

Full financial information

	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	07/08/2026	31/07/2025	25/07/2024	04/08/2023	30/06/2022	01/07/2021
General meeting	06/08/2026	30/07/2025	25/07/2024	04/08/2023	29/06/2022	25/06/2021
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

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	06/08/2026	07/08/2026	Dutch	PDF
Abridged model	31/12/2024	30/07/2025	31/07/2025	Dutch	PDF
Abridged model	31/12/2023	25/07/2024	25/07/2024	Dutch	PDF
Abridged model	31/12/2022	04/08/2023	04/08/2023	Dutch	PDF
Abridged model	31/12/2021	29/06/2022	30/06/2022	Dutch	PDF
Abridged model	31/12/2020	25/06/2021	01/07/2021	Dutch	PDF
Abridged model	31/12/2019	30/06/2020	28/07/2020	Dutch	PDF
Abridged model	31/12/2018	30/06/2019	09/07/2019	Dutch	PDF
Abridged model	31/12/2017	25/06/2018	29/06/2018	Dutch	PDF
Abridged model	31/12/2016	29/06/2017	02/08/2017	Dutch	PDF
Abridged model	31/12/2015	08/06/2016	30/06/2016	Dutch	PDF
Abridged model	31/12/2014	31/03/2015	30/04/2015	Dutch	PDF
Abridged model	31/12/2013	13/06/2014	16/06/2014	Dutch	PDF
Abridged model	31/12/2012	14/06/2013	28/06/2013	Dutch	PDF
Abridged model	31/12/2011	28/08/2012	31/08/2012	Dutch	PDF
Abridged model	31/12/2010	29/08/2011	31/08/2011	Dutch	PDF
Abridged model	31/12/2009	30/06/2010	30/07/2010	Dutch	PDF
Abridged model	31/12/2008	22/05/2009	02/06/2009	Dutch	PDF
Abridged model	31/12/2007	13/06/2008	10/07/2008	Dutch	PDF
Abridged model	31/12/2006	29/06/2007	18/07/2007	Dutch	PDF

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 · 2 active · 21 ended

Active mandates

KRIS DUCHENE

Administrator - manager · since 01 avril 2004 · 0479.229.389

Represented by Kris Duchene

Active

Tim Van Rooy

Administrator - manager · since 01 avril 2004 · 0864.005.130

Represented by Tim Van Rooy

Active

Ended mandates

Kris Duchene

Administrator - manager · since 01 avril 2004 · until 30 décembre 2019

Ended

Kris Duchene

Manager · since 01 avril 2004

Ended

KRIS DUCHENE

Manager · since 01 avril 2004 · 0479.229.389

Represented by Kris Duchene

Ended

Ludo Van Looveren

Administrator - manager · since 01 avril 2004 · until 30 décembre 2019

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Registered office28/02/2025
MAATSCHAPPELIJKE ZETEL
PDF
Mandates22/09/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - DOEL - ONTSLAGEN - BENOEMINGEN
PDF
Mandates04/06/2021
ONTSLAGEN - BENOEMINGEN
PDF
Mandates25/02/2020
ONTSLAGEN - BENOEMINGEN
PDF
Other15/09/2015
BENAMING
PDF
Registered office16/06/2009
BENAMING - MAATSCHAPPELIJKE ZETEL
PDF
Other28/06/2004
DIVERSEN
PDF
Other23/03/2004
RUBRIEK OPRICHTING (NIEUWE RECHTSPERSOON, OPENING BIJKANTOOR, ENZ...)
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 2025244,9 k €↑
2024
Annual accounts 2024213,8 k €↑
2023
Annual accounts 2023118 k €↑
2022
Annual accounts 202270,4 k €↓
2021
Annual accounts 202178,6 k €↑
2020
Annual accounts 202062,3 k €↓
2019
Annual accounts 2019123,6 k €↑
2018
Annual accounts 201865,8 k €↑
2017
Annual accounts 201765,4 k €↑
2016
Annual accounts 201651,7 k €↑
2015
Annual accounts 201541,7 k €↓
2014
Annual accounts 201477,5 k €↑
2013
Annual accounts 201351,6 k €↑
2012
Annual accounts 201236,1 k €↓
2011
Annual accounts 201138 k €↓
2010
Annual accounts 201040,7 k €↑
2009
Annual accounts 200935,7 k €↓
2008
Annual accounts 200848,3 k €↑
2007
Annual accounts 200738,4 k €↑
2006
Annual accounts 200637,4 k €
12/03/2004
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

Be-Sure

Overview

What does Be-Sure do?

Trend over 20 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