ARAG SE
Active Risk: not assessedSummary
ARAG SE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
76 d late
2023
on the day
2022
26 d early
2021
38 d late
2020
1 d early
2019
62 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 26 August (4 of the last 5 filed years within 50 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · unclassified schema
Annual accounts outside the standard scheme
The National Bank holds 15 filings for this company, the latest for fiscal year 2025. They follow a sector scheme (bank, insurer, association or foreign entity); Checked reads figures only from the full, abbreviated and micro schemes.
Latest 10 of 15 filings
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | unclassified schema | 26-08-2026 | 2026-00431569 |
| 31-12-2024 | unclassified schema | 15-10-2025 | 2025-00543483 |
| 31-12-2023 | unclassified schema | 31-07-2024 | 2024-00318397 |
| 31-12-2022 | unclassified schema | 05-07-2023 | 2023-00213091 |
| 31-12-2021 | unclassified schema | 07-09-2022 | 2022-20425469 |
| 31-12-2020 | unclassified schema | 30-07-2021 | 2021-44000326 |
| 31-12-2019 | unclassified schema | 01-10-2020 | 2020-57300477 |
| 31-12-2018 | unclassified schema | 31-07-2019 | 2019-42800241 |
| 31-12-2017 | unclassified schema | 12-07-2018 | 2018-33000222 |
| 31-12-2016 | unclassified schema | 27-09-2017 | 2017-64000552 |
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema · 26 days late
13-08
State Gazette act
Permanent representative: Mireille URLUSAppointments: Tom BERVOETS, Jeoffrey CHMIELECKI and 3 others · Power of attorney10 facts ▸
State Gazette act
Permanent representative: Mireille URLUS
Appointments: Tom BERVOETS, Jeoffrey CHMIELECKI and 3 others · Power of attorney10 facts ▸
- Power of attorney, Mireille URLUS
- Permanent representative, Mireille URLUS (permanent representative)
- Director in office, Mireille URLUS (ceo, représentante légale et représentante permanente)
- Other statement, CFO, membre du Management Board, CFO, membre du Management Board
- Other statement, COO, membre du Management Board, COO, membre du Management Board
- Director appointment, Tom BERVOETS (head of sales)
- Director appointment, Jeoffrey CHMIELECKI (head of it)
- Director appointment, Fabienne DECROOS (hr office manager)
- Director appointment, Astrid D'OTREPPE (head of claims & customer services)
- Director appointment, Gilles DE GEYTER (marketing & communications manager)
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 76 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 38 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · unclassified schema · 62 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · unclassified schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · unclassified schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · unclassified schema · 58 days late
State Gazette actNBB filing
1 of 16 acts read
About the unread acts
Of the 16 Belgian State Gazette acts we know for this company, 1 has been read. The other 15 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26104057). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Other functions 5
Astrid D'OTREPPE
CurrentHead of claims & customer services · since 13-08-2026
Fabienne DECROOS
CurrentHr office manager · since 13-08-2026
Gilles DE GEYTER
CurrentMarketing & communications manager · since 13-08-2026
Jeoffrey CHMIELECKI
CurrentHead of it · since 13-08-2026
Tom BERVOETS
CurrentHead of sales · since 13-08-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
15 of this company's 16 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, DUSSELDORF · 1 establishment unit since 2012
Cannot be placed on the map
The registered office is abroad (Germany). The address register our map runs on (BOSA BEST) covers Belgian addresses only.
ARAG PLATZ 140472 DUSSELDORFGermanyGround area
4,653 m²
Building footprint
2,861 m²
Volume, LiDAR
80,518 m³
Parcel 21805E0475/00F000, Brussels · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
ARAG SE - Branch Belgium
since 20122.211.666.118
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0475/00F000 | Brussels | 4,653 m² | 1 · 2,861 m² | 34.5 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
5 people since 2026, 5 in office
- Other function
| Name | Functions and periods |
|---|---|
| Astrid D'OTREPPE |
|
| Fabienne DECROOS |
|
| Gilles DE GEYTER |
|
| Jeoffrey CHMIELECKI |
|
| Tom BERVOETS |
|
Articles of association
Power of attorney
Dr. DIRKSEN Renko
Dr. MASLATON Matthias
Mr. MATHMANN Wolfgang
Mr. PETERSEN Hanno
Dr. SCHWARZE Joerg
Dr. MEYER Shiva
Mireille URLUS
Olivier DEMOLIN
Patrick SCHOOFS
Tom BERVOETS
Jeoffrey CHMIELECKI
Fabienne DECROOS
Astrid D'OTREPPE
Gilles DE GEYTER
Gerry JANSSENS
Laurence VANDEBROECK
4 more provisions on this in the deed
Other statement
One provision in the deed
Structure & network
Connections & network
5 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,250 EUR awarded · 1,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,250 EUR | 1,250 EUR |
Schemes
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Visé
The National Bank holds 15 filings for this company, in a sector scheme Checked reads no figures from, so a size comparison is not possible. These companies share only the sector and the region. Of 118 companies in sector 65121 we hold annual accounts for 34. See the whole sector
Identification & contact
Identification
Legal formForeign entity
Founded07-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
65121Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846419822
Also
9925:BE0846419822
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Branches
1 branchBranch