ADVICO VERZEKERINGEN
ADVICO VERZEKERINGEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €258k and a net result of €86k. Equity is growing by ~131.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 229 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €258k |
| Net result | €86k |
| Staff (FTE) | 7.3 |
| Better than sector | 48% |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 19.0% | 21.1% | |
| Net result | €86k | €65k | |
| Equity | €258k | €128k | |
| Gross operating margin | €705k | €405k | |
| Staff costs | €337k | €353k |
Show 4 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €86k |
| Cash flow | n/a |
| Staff costs | €337k |
| Income taxes | €37k |
| Dividends | - |
| Total assets | €1.36M |
| Equity | €258k |
| Debt | €1.10M |
| of which ≤ 1y | €334k |
| of which > 1y | €756k |
| Working capital | n/a |
| Employees (FTE) | 7.3 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 19.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 6.3% |
| ROE | 33.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.36M |
| Fixed assets | 21/28 | €1.17M |
| Intangible fixed assets | 21 | €600k |
| Tangible fixed assets | 22/27 | €570k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €186k |
| Amounts receivable within one year | 40/41 | €89k |
| Cash & bank | 54/58 | €91k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.36M |
| Equity | 10/15 | €258k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €252k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €1.10M |
| Amounts payable after one year | 17 | €756k |
| Amounts payable within one year | 42/48 | €334k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €705k |
| Operating result | 9901 | €151k |
| Financial income | 75 | €718 |
| Financial charges | 65 | €29k |
| Result before taxes | 9903 | €123k |
| Income taxes | 67/77 | €37k |
| Net result for the period | 9904 | €86k |
| Result to be appropriated | 9905 | €86k |
-
CNCKXZSLegal entityDirector· perm. rep.: EMPSEN Kristine Maria LuciaState Gazette act 26301625 (08-01-2026)Current31-12-2025 → present
-
Current31-12-2025 → present
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 09-08-2019 |
| Status | Active |
| Postal code | 9120 |
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016D0110/00Y004 | Flanders | 3,689 m² | 1 · 654 m² | 10.8 m |
| 11056B0737/00V000 | Flanders | 1,705 m² | 1 · 252 m² | 10.8 m · 1 fl. |
| 46502D0300/00E000 | Flanders | 167 m² | - | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
08-01-2026 Capital increase of €3,341.31 to €9,341.31
- €6.000 → €9.341,31
Technical details
{
"events": [
{
"kind": "capital_increase",
"amount": 3341.31,
"currency": "EUR",
"after_eur": 9341.31,
"delta_eur": 3341.31,
"before_eur": 6000.0,
"amount_type": "kapitaal_effectief",
"effective_date": "2025-12-31",
"evidence_quote": "De algemene vergadering beslist het eigen vermogen van de besloten vennootschap \u0022ADVICO VERZEKERINGEN\u0022 te verhogen met drieduizend driehonderd \u00E9\u00E9nenveertig euro \u00E9\u00E9nendertig cent (\u20AC 3.341,31), om het te brengen van zesduizend euro (\u20AC 6.000,00) op negenduizend driehonderd \u00E9\u00E9nenveertig euro \u00E9\u00E9nendertig cent (\u20AC 9.341,31), door de uitgifte van driehonderd \u00E9\u00E9nenzeventig (371) nieuwe aandelen...",
"contribution_type": "in_kind"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0732.498.666",
"name_full": "ADVICO VERZEKERINGEN",
"legal_form": "BV"
}
}30-10-2025 Publication in the Belgian Official Gazette, Miscellaneous
Technical details
{
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2025-10-30",
"filing_date": "2025-10-21",
"act_kind_objet": "Inbrengvoorstel"
},
"key_dates": [
{
"date": "2025-10-21",
"label": "Neerlegging ter griffie"
},
{
"date": "2025-10-14",
"label": "Datum voorstel inbreng"
},
{
"date": "2025-08-17",
"label": "Oprichting CNCKXZS"
},
{
"date": "2023-12-22",
"label": "Laatste wijziging statuten CNCKXZS"
},
{
"date": "2025-08-31",
"label": "Datum staat actief en passief"
},
{
"date": "2025-09-01",
"label": "Datum vanaf welke aandelen deelnemen in resultaten"
},
{
"date": "2025-12-31",
"label": "Datum juridische eigendomsoverdracht"
}
],
"key_parties": [
{
"kbo": "0807892808",
"kind": "org",
"name": "CNCKXZS",
"role": "Inbrengende vennootschap"
},
{
"kbo": "0732498666",
"kind": "org",
"name": "ADVICO VERZEKERINGEN",
"role": "Verkrijgende vennootschap"
},
{
"kind": "person",
"name": "Kristine Empsen",
"role": "zaakvoerder"
},
{
"kind": "person",
"name": "Jan Coninckx",
"role": "zaakvoerder"
},
{
"kbo": "0807157982",
"kind": "org",
"name": "CAPTEN",
"role": "Vaste vertegenwoordiger"
},
{
"kind": "person",
"name": "Ivo Blommaert",
"role": "vaste vertegenwoordiger"
},
{
"kbo": "0807156301",
"kind": "org",
"name": "EMMJAN",
"role": "Vaste vertegenwoordiger"
},
{
"kind": "person",
"name": "Geert Peirsman",
"role": "vaste vertegenwoordiger"
},
{
"kind": "person",
"name": "Eva Maes",
"role": "vaste vertegenwoordiger"
},
{
"kind": "person",
"name": "Elke Boes",
"role": "Volmachtnemer"
},
{
"kind": "person",
"name": "Fiebe Mees",
"role": "Volmachtnemer"
},
{
"kind": "person",
"name": "Annemie De Mol",
"role": "Volmachtnemer"
},
{
"kbo": "0459609556",
"kind": "org",
"name": "SBB Gecertificeerde Accountants en Adviseurs BV",
"role": "Volmachtnemer"
},
{
"kbo": "0420170841",
"kind": "org",
"name": "SBB Bedrijfsdiensten BV",
"role": "Volmachtnemer"
}
],
"key_amounts_eur": [
{
"label": "Totaal der activa",
"amount": 7310.67
},
{
"label": "Totaal der passiva",
"amount": 7310.67
},
{
"label": "Netto inbrengwaarde",
"amount": 3341.31
},
{
"label": "Aantal nieuwe aandelen",
"amount": 371
}
],
"subject_company": {
"kbo": "0732.498.666",
"name_full": "ADVICO VERZEKERINGEN",
"legal_form": "Besloten Vennootschap"
},
"publication_proxy": {
"kind": null
},
"summary_narrative": "",
"co_filed_documents": [],
"detected_real_type": "branch_contribution"
}13-08-2019 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "9120 Beveren, Kasteeldreef 10",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": {
"kbo": null,
"name": "Vereniging onder Firma \u201CCAPTEN\u201D"
},
"kind": "rechtspersoon",
"person": null,
"share_class": "aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": "Vereniging onder Firma \u201CCAPTEN\u201D",
"contribution_type": "cash",
"amount_paid_in_eur": 1224,
"holder_person_name": null,
"is_subscriber_only": false,
"n_shares_subscribed": 204,
"amount_subscribed_eur": 1224,
"is_anonymous_silent_partner": false
},
{
"org": {
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"name": "Vereniging onder Firma \u201CEMMJAN\u201D"
},
"kind": "rechtspersoon",
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"holder_org_kbo": null,
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},
{
"org": {
"kbo": null,
"name": "Vereniging onder Firma \u0022WeFLOW\u0022"
},
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"contribution_type": "cash",
"amount_paid_in_eur": 612,
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"amount_subscribed_eur": 612,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1972-11-29",
"name": "de heer Blommaert Ivo",
"niss": null,
"address": "9120 Beveren deelgemeente Melsele, Gaverlandwegel 65"
},
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"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1176,
"holder_person_name": "de heer Blommaert Ivo",
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"n_shares_subscribed": 196,
"amount_subscribed_eur": 1176,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1975-06-29",
"name": "de heer Peirsman Geert",
"niss": null,
"address": "9120 Beveren deelgemeente Melsele, Albrecht Rodenbachlaan, 56"
},
"share_class": "aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1176,
"holder_person_name": "de heer Peirsman Geert",
"is_subscriber_only": false,
"n_shares_subscribed": 196,
"amount_subscribed_eur": 1176,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1979-07-23",
"name": "mevrouw Maes Eva",
"niss": null,
"address": "9120 Beveren, Alfons Van Puymbroecklaan, 120"
},
"share_class": "aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 588,
"holder_person_name": "mevrouw Maes Eva",
"is_subscriber_only": false,
"n_shares_subscribed": 98,
"amount_subscribed_eur": 588,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 6000,
"subject_company": {
"kbo": "0732.498.666",
"name_full": "ADVICO VERZEKERINGEN",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2019-08-07",
"post_incorporation_mandates": []
}| Legal nameNL | ADVICO VERZEKERINGEN |