ACTIVE

De Verzekeraer (SA)

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Financial year 2025 · closed on 31/12/2025

Net result

429,1 k €

-1.7% YoY

Gross margin

1,5 M €

+6.4% YoY

Equity

1,2 M €

-26.3% YoY

Workforce

9,1 ETP

+15.2% YoY

What does De Verzekeraer do?

De Verzekeraer is a Public limited company incorporated in 2008. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Brugge. It employs on average 9,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0895.334.942

Incorporation

28/01/2008

Legal form

Public limited company

Registered office

Torhoutse Steenweg 340a
8200 Brugge · FlandreSee on map

Contributed capital

61 500,00 €

Latest accounts

31/12/2025

Average workforce

9,1 ETP

Activities (NACE)

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

Joint committees (1)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 15 financial years

	2025		2024		2022		2021		2020		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Income statement
Gross margin	1,5 M €	+6.4%	1,4 M €	+27.5%	1,1 M €	+8.3%	1 M €	-2.1%	1,1 M €	+12.5%	944 k €	+19.5%	790,1 k €	-7.6%	855,4 k €	+15.9%	738,3 k €	+6.8%	691,2 k €	+80.2%	383,5 k €	+25.1%	306,5 k €	+45.4%	210,8 k €	-11.4%	238,1 k €	+856%	24,9 k €
EBITDA	990,4 k €	+1.7%	974,2 k €	+33.3%	730,9 k €	-1.2%	739,8 k €	-3.4%	766 k €	+10.5%	692,9 k €	+32.2%	524,2 k €	-13.6%	606,5 k €	+9.5%	553,8 k €	+5.4%	525,4 k €	+56.1%	336,5 k €	+31.4%	256,2 k €	+30.0%	197 k €	-17.2%	237,8 k €	+867%	24,6 k €
Operating result	753,7 k €	+0.5%	749,6 k €	+52.1%	492,8 k €	-7.5%	532,5 k €	-1.9%	543,1 k €	-0.4%	545,3 k €	+46.6%	371,9 k €	-24.1%	490,3 k €	+30.7%	375,1 k €	+1.6%	369,1 k €	+99.4%	185,1 k €	+76.1%	105,1 k €	+129%	46 k €	+34.9%	34,1 k €	+57.9%	21,6 k €
Net result	429,1 k €	-1.7%	436,3 k €	+39.4%	313,1 k €	-8.7%	342,9 k €	-2.8%	352,7 k €	+8.5%	325 k €	+59.8%	203,4 k €	-27.0%	278,6 k €	+32.2%	210,8 k €	+13.4%	185,9 k €	+167%	69,8 k €	+149%	28,1 k €	+1088%	-2,8 k €	-122%	13 k €	-8.9%	14,3 k €
Balance sheet
Equity	1,2 M €	-26.3%	1,7 M €	+8.2%	1,5 M €	+14.5%	1,3 M €	+5.8%	1,3 M €	+53.5%	822,5 k €	+47.5%	557,4 k €	+13.9%	489,5 k €	+47.9%	330,9 k €	+16.1%	285,1 k €	+79.1%	159,2 k €	-16.0%	189,4 k €	+50.4%	126 k €	+41.9%	88,8 k €	+37.7%	64,5 k €
Total assets	5,1 M €	-6.3%	5,5 M €	+10.0%	5 M €	+44.2%	3,4 M €	-3.8%	3,6 M €	+38.4%	2,6 M €	-2.2%	2,6 M €	+29.6%	2 M €	-1.5%	2,1 M €	-1.9%	2,1 M €	-2.3%	2,2 M €	+27.2%	1,7 M €	-0.1%	1,7 M €	+30.3%	1,3 M €	+1877%	66,1 k €
Cash	464,6 k €	-24.0%	611,3 k €	-17.0%	736,5 k €	+149%	295,6 k €	-27.5%	407,6 k €	+203%	134,5 k €	-16.2%	160,6 k €	-15.6%	190,2 k €	+24.4%	152,9 k €	+21.5%	125,8 k €	+104%	61,5 k €	-33.5%	92,5 k €	+9.7%	84,3 k €	+0.3%	84,1 k €	+36.6%	61,6 k €
Debts	3,9 M €	+2.2%	3,8 M €	+10.3%	3,4 M €	+63.0%	2,1 M €	-9.1%	2,3 M €	+31.3%	1,8 M €	-15.5%	2,1 M €	+34.6%	1,6 M €	-10.8%	1,7 M €	-4.6%	1,8 M €	-8.9%	2 M €	+32.6%	1,5 M €	-4.1%	1,6 M €	+29.4%	1,2 M €	+76355%	1,6 k €
Other
Workforce	9,1 ETP	+15.2%	7,9 ETP	+21.5%	6,5 ETP	+18.2%	5,5 ETP	+5.8%	5,2 ETP	+33.3%	3,9 ETP	-13.3%	4,5 ETP	0.0%	4,5 ETP	+28.6%	3,5 ETP	+40.0%	2,5 ETP	+150%	1,0 ETP	-16.7%	1,2 ETP	+300%	0,3 ETP		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 7 active · 35 ended

Active mandates

Olivier Poppe

Managing director · since 01 janvier 2024 · until 31 décembre 2029

Active

Frank Decroock

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Kris Holvoet

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Lynn Decroock

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

MOERAERT CONSULTING

Director · since 03 avril 2023 · until 02 avril 2029 · 0478.140.714

Represented by Wim Moeraert

Active

ROMAN STEFAN

Director · since 03 avril 2023 · until 02 avril 2029 · 0871.996.445

Represented by Stefan Roman

Active

Tifanie Vermeersch

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Ended mandates

Olivier Poppe

Director · since 01 janvier 2024 · until 31 décembre 2029

Ended

ROMAN STEFAN

Director · since 06 avril 2021 · until 01 avril 2024 · 0871.996.445

Represented by Stefan Roman

Ended

Frank Decroock

Managing director · since 02 avril 2018 · until 01 avril 2024

Ended

Kris Holvoet

Managing director · since 02 avril 2018 · until 01 avril 2024

Ended

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	11/05/2026	22/04/2025	30/07/2024	14/04/2023	25/04/2022	08/04/2021
General meeting	07/04/2026	07/04/2025	02/04/2024	03/04/2023	04/04/2022	06/04/2021
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

17 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	07/04/2026	11/05/2026	Dutch	PDF
Abridged model	31/12/2024	07/04/2025	22/04/2025	Dutch	PDF
Abridged model	31/12/2023	02/04/2024	30/07/2024	Dutch	PDF
Abridged model	31/12/2022	03/04/2023	14/04/2023	Dutch	PDF
Abridged model	31/12/2021	04/04/2022	25/04/2022	Dutch	PDF
Abridged model	31/12/2020	06/04/2021	08/04/2021	Dutch	PDF
Abridged model	31/12/2019	06/04/2020	29/05/2020	Dutch	PDF
Abridged model	31/12/2018	01/04/2019	14/06/2019	Dutch	PDF
Abridged model	31/12/2017	02/04/2018	01/06/2018	Dutch	PDF
Abridged model	31/12/2016	03/04/2017	20/07/2017	Dutch	PDF
Abridged model	31/12/2015	04/04/2016	29/05/2016	Dutch	PDF
Abridged model	31/12/2014	06/04/2015	28/04/2015	Dutch	PDF
Abridged model	31/12/2013	07/04/2014	23/04/2014	Dutch	PDF
Abridged model	31/12/2012	01/04/2013	17/04/2013	Dutch	PDF
Abridged model	31/12/2011	02/04/2012	04/05/2012	Dutch	PDF
Abridged model	31/12/2010	04/04/2011	13/05/2011	Dutch	PDF
Abridged model	31/12/2009	05/04/2010	06/08/2010	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 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 · 7 active · 35 ended

Active mandates

Olivier Poppe

Managing director · since 01 janvier 2024 · until 31 décembre 2029

Active

Frank Decroock

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Kris Holvoet

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Lynn Decroock

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

MOERAERT CONSULTING

Director · since 03 avril 2023 · until 02 avril 2029 · 0478.140.714

Represented by Wim Moeraert

Active

ROMAN STEFAN

Director · since 03 avril 2023 · until 02 avril 2029 · 0871.996.445

Represented by Stefan Roman

Active

Tifanie Vermeersch

Managing director · since 03 avril 2023 · until 02 avril 2029

Active

Ended mandates

Olivier Poppe

Director · since 01 janvier 2024 · until 31 décembre 2029

Ended

ROMAN STEFAN

Director · since 06 avril 2021 · until 01 avril 2024 · 0871.996.445

Represented by Stefan Roman

Ended

Frank Decroock

Managing director · since 02 avril 2018 · until 01 avril 2024

Ended

Kris Holvoet

Managing director · since 02 avril 2018 · until 01 avril 2024

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates24/06/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates15/04/2026
ONTSLAGEN - BENOEMINGEN
PDF
Mandates09/01/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates15/03/2024
ONTSLAGEN - BENOEMINGEN
PDF
Mandates23/02/2024
ONTSLAGEN - BENOEMINGEN
PDF
Registered office15/12/2023
MAATSCHAPPELIJKE ZETEL
PDF
Restructuring02/08/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates12/05/2023
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 2025429,1 k €↓
2024
Annual accounts 2024436,3 k €↑
2022
Annual accounts 2022313,1 k €↓
2021
Annual accounts 2021342,9 k €↓
2020
Annual accounts 2020352,7 k €↑
2018
Annual accounts 2018325 k €↑
2017
Annual accounts 2017203,4 k €↓
2016
Annual accounts 2016278,6 k €↑
2015
Annual accounts 2015210,8 k €↑
2014
Annual accounts 2014185,9 k €↑
2013
Annual accounts 201369,8 k €↑
2012
Annual accounts 201228,1 k €↑
2011
Annual accounts 2011-2,8 k €↓
2010
Annual accounts 201013 k €↓
2009
Annual accounts 200914,3 k €
28/01/2008
IncorporationPublic 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

De Verzekeraer (SA)

Overview

What does De Verzekeraer do?

Trend over 15 financial years

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