ACTIVE

KORAAL INSURE

Financial year 2025 · Closed on 31/12/2025

Net result125,6 k €+312,5 %over 1 year

Gross margin385,6 k €+46,5 %over 1 year

Equity310,1 k €+1,8 %over 1 year

Identity

Source · BCE/KBO

KORAAL INSURE is a Private limited company incorporated in 2008. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Kortrijk.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0895.919.912
Incorporation: 21/02/2008
Legal form: Private limited company
Registered office: Veemarkt(Kor) 51 box 2
8500 Kortrijk · FlandreSee on map
Contributed capital: 58 390,20 €
Latest accounts: 31/12/2025

Activities (NACE)

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

Joint committees (1)

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 18 filings

Trend over 18 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	385,6 k €	+46.5%	263,1 k €	+126%	116,5 k €	-32.8%	173,5 k €	+18.4%	146,5 k €
EBITDA	253 k €	+80.9%	139,9 k €	+305%	34,6 k €	-55.4%	77,5 k €	-11.5%	87,6 k €
Operating result	153,3 k €	+195%	52 k €	+214%	16,5 k €	-72.2%	59,6 k €	-18.5%	73,1 k €
Net result	125,6 k €	+312%	30,4 k €	+229%	9,2 k €	-82.2%	51,9 k €	-17.4%	62,9 k €
Balance sheet
Equity	310,1 k €	+1.8%	304,5 k €	+11.1%	274 k €	+3.5%	264,8 k €	+4.7%	252,8 k €
Total assets	1 M €	-2.7%	1 M €	+189%	357,9 k €	+2.4%	349,5 k €	-38.8%	571,4 k €
Cash	42,6 k €	+58.0%	27 k €	-78.3%	124,1 k €	+63.0%	76,1 k €	+224%	23,5 k €
Debts	695,9 k €	-4.7%	729,9 k €	+770%	83,9 k €	-0.9%	84,7 k €	-73.4%	318,6 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 15 ended

Active mandates

Veerle Delaere

Director · since 09 janvier 2020

Active

LAVAERT-DELAERE

Director · since 23 août 2018 · 0893.845.991

Represented by Gunther LAVAERT

Active

B-MAN

Director · since 04 janvier 2016 · 0550.780.351

Represented by Bart Vanhoutteghem

Active

Ended mandates

LAVAERT-DELAERE

Director · since 23 août 2018 · 0893.845.991

Represented by Gunther LAVAERT

Ended

LAVAERT-DELAERE

Manager · since 23 août 2018 · 0893.845.991

Represented by Gunther Lavaert

Ended

B-MAN

Director · since 04 janvier 2016 · 0550.780.351

Represented by Bart VANHOUTTEGHEM

Ended

B-MAN

Manager · since 04 janvier 2016 · 0550.780.351

Represented by Bart Vanhoutteghem

Ended

Other companies at this address

Veemarkt(Kor) 51 8500 Kortrijk

Company	CBE no.
A-COUNT KORTRIJK● Active	0568.854.124

Full financial information

Source · NBB

	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	14/07/2026	28/08/2025	30/08/2024	18/09/2023	30/08/2022	23/03/2021
General meeting	19/06/2026	27/08/2025	31/07/2024	31/08/2023	30/07/2022	03/03/2021
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, 18 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	19/06/2026	14/07/2026	Dutch	PDF
Micro model	31/12/2024	27/08/2025	28/08/2025	Dutch	PDF
Micro model	31/12/2023	31/07/2024	30/08/2024	Dutch	PDF
Micro model	31/12/2022	31/08/2023	18/09/2023	Dutch	PDF
Micro model	31/12/2021	30/07/2022	30/08/2022	Dutch	PDF
Micro model	31/12/2020	03/03/2021	23/03/2021	Dutch	PDF
Micro model	31/12/2019	08/09/2020	22/10/2020	Dutch	PDF
Micro model	31/12/2018	29/08/2019	30/08/2019	Dutch	PDF
Micro model	31/12/2017	26/05/2018	31/08/2018	Dutch	PDF
Micro model	31/12/2016	27/09/2017	30/09/2017	Dutch	PDF
Abridged model	31/12/2015	28/05/2016	31/08/2016	Dutch	PDF
Abridged model	31/12/2014	30/05/2015	21/08/2015	Dutch	PDF
Abridged model	31/12/2013	31/05/2014	29/08/2014	Dutch	PDF
Abridged model	31/12/2012	24/05/2013	30/08/2013	Dutch	PDF
Abridged model	31/12/2011	26/05/2012	28/08/2012	Dutch	PDF
Abridged model	31/12/2010	20/05/2011	11/11/2011	Dutch	PDF
Abridged model	31/12/2009	20/05/2010	05/01/2011	Dutch	PDF
Abridged model	31/12/2008	05/04/2009	28/08/2009	Dutch	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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

3 active · 15 ended

Active mandates

Veerle Delaere

Director · since 09 janvier 2020

Active

LAVAERT-DELAERE

Director · since 23 août 2018 · 0893.845.991

Represented by Gunther LAVAERT

Active

B-MAN

Director · since 04 janvier 2016 · 0550.780.351

Represented by Bart Vanhoutteghem

Active

Ended mandates

LAVAERT-DELAERE

Director · since 23 août 2018 · 0893.845.991

Represented by Gunther LAVAERT

Ended

LAVAERT-DELAERE

Manager · since 23 août 2018 · 0893.845.991

Represented by Gunther Lavaert

Ended

B-MAN

Director · since 04 janvier 2016 · 0550.780.351

Represented by Bart VANHOUTTEGHEM

Ended

B-MAN

Manager · since 04 janvier 2016 · 0550.780.351

Represented by Bart Vanhoutteghem

Ended

Ownership and network

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Try for 7 days

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates26/10/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN
PDF
Mandates26/03/2020
ONTSLAGEN - BENOEMINGEN
PDF
Mandates14/11/2019
ONTSLAGEN - BENOEMINGEN
PDF
Mandates21/11/2018
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares21/08/2018
BENAMING - KAPITAAL - AANDELEN
PDF
Restructuring19/06/2018
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates11/07/2016
ONTSLAGEN - BENOEMINGEN
PDF
Mandates10/09/2015
ONTSLAGEN - BENOEMINGEN
PDF

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

See the Business plan

Timeline

2025
Annual accounts 2025125,6 k €↑
2024
Annual accounts 202430,4 k €↑
2023
Annual accounts 20239,2 k €↓
2022
Annual accounts 202251,9 k €↓
2021
Annual accounts 202162,9 k €↓
2020
Annual accounts 2020130,7 k €↑
2019
Annual accounts 20198,2 k €↑
2018
Annual accounts 20181,6 k €↑
2017
Annual accounts 20171,6 k €↓
2016
Annual accounts 20163,6 k €↑
2015
Annual accounts 2015465,4 €↓
2014
Annual accounts 20149,7 k €↑
2013
Annual accounts 20133,6 k €↑
2012
Annual accounts 2012966,7 €↑
2011
Annual accounts 2011931,3 €↓
2010
Annual accounts 20102,1 k €↓
2009
Annual accounts 200925,4 k €↑
2008
Annual accounts 2008159,7 €
21/02/2008
IncorporationPrivate limited company

KORAAL INSURE

Overview

Identity

Financials

Valuation

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

Timeline