Summary
BUBUS is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €483,553 and a net result of €154,798. Equity has been stable since 2019 (±1.2% per year). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-01-1995 Normal situation
- Activity
- Insurance, reinsurance and pension funding, except compulsory social security NACE 65121
- Establishment unit
- 2.076.707.345 9070 Destelbergen, since 31-05-1996
- Financial year end
- 31 March
- Peppol
- Reachable since 19-03-2026
Board and ownership
Board
- Buysschaert RégineDirector · since 19-12-2019
- Saverys BrunoDirector · since 19-12-2019
- Holdings
- Shares in 1 company Zn-HOLDING
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 31-03-2026
- Profit
- €154,798
- ▲ 114%
- Equity
- €483,553
- ▲ 47.1%
- Total assets
- €928,006
- ▲ 6.2%
Signalslowers riskGrowing equityneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €483,553
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 28-10-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
3 days early
2025
1 day early
2024
2 days early
2023
on the day
2022
10 days late
2021
8 days late
2020
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days after the deadline. In the sector (NACE 65), the median for financial year 2024 was 29 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 30 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-03-2027 year end31-10-2027 deadline
Financials
Financials · financial year 2026, abbreviated format
Annual accounts 2026 filed on 28-10-2026 at the NBB all 31 filings
Equity
€483,553▲ 47.1%
2025 · €328,755
Net result
€154,798▲ 114%
2025 · €72,369
Total assets
€928,006▲ 6.2%
2025 · €874,119
Solvency
52.1%▲ 14.5pp
2025 · 37.6%
In the rankings
#6 oldest company in Destelbergen, Finance and insurance sector
Multi-year overview
2019 to 2026, 8 financial yearsOperating result
€242,383
▲ 106%
2026
20192026
Net result
€154,798
▲ 114%
2026
20192026
Equity
€483,553
▲ 47.1%
2026
20192026
Total assets
€928,006
▲ 6.2%
2026
20192026
Debt
€416,189
▼ 19.3%
2026
20192026
Working capital
€63,570
2026
20192026
Solvency
52.1%
▲ 14.5pp
2026
20192026
Current ratio
1.29
▲ 0.57
2026
20192026
Return on assets (ROA)
16.7%
▲ 8.4pp
2026
20192026
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20192020202120222023202420252026
Operating result€147,555-€12,151▼ 91.8%€38,999▲ 221%€49,167▲ 26.1%€46,390▼ 5.6%€82,029▲ 76.8%€117,926▲ 43.8%€242,383▲ 106%
Net result€101,660-€4,156▼ 95.9%€13,699within the sector's middle half▲ 230%€36,975within the sector's middle half▲ 170%€27,513within the sector's middle half▼ 25.6%€50,211within the sector's middle half▲ 82.5%€72,369within the sector's middle half▲ 44.1%€154,798▲ 114%
Equity€382,346-€386,502▲ 1.1%€400,200within the sector's middle half▲ 3.5%€377,662within the sector's middle half▼ 5.6%€365,175within the sector's middle half▼ 3.3%€415,386within the sector's middle half▲ 13.7%€328,755within the sector's middle half▼ 20.9%€483,553▲ 47.1%
Total assets€853,527-€776,617▼ 9.0%€746,695within the sector's middle half▼ 3.9%€783,286within the sector's middle half▲ 4.9%€804,979within the sector's middle half▲ 2.8%€839,747within the sector's middle half▲ 4.3%€874,119within the sector's middle half▲ 4.1%€928,006▲ 6.2%
Debt€434,680-€355,184▼ 18.3%€312,675▼ 12.0%€372,916▲ 19.3%€408,207▲ 9.5%€393,875▼ 3.5%€515,990▲ 31.0%€416,189▼ 19.3%
Working capital€89,913-€69,969▼ 22.2%€80,470within the sector's middle half▲ 15.0%€37,113within the sector's middle half▼ 53.9%-€51,061below the sector's middle half€22,935within the sector's middle half-€76,675below the sector's middle half€63,570
Solvency44.8%-49.8%▲ 5.0pp53.6%within the sector's middle half▲ 3.8pp48.2%within the sector's middle half▼ 5.4pp45.4%within the sector's middle half▼ 2.9pp49.5%within the sector's middle half▲ 4.1pp37.6%within the sector's middle half▼ 11.9pp52.1%▲ 14.5pp
Current ratio1.93-2.13▲ 0.203.43above the sector's middle half▲ 1.301.72within the sector's middle half▼ 1.710.57below the sector's middle half▼ 1.151.20within the sector's middle half▲ 0.620.72below the sector's middle half▼ 0.481.29▲ 0.57
Return on assets (ROA)11.9%-0.5%▼ 11.4pp1.8%within the sector's middle half▲ 1.3pp4.7%within the sector's middle half▲ 2.9pp3.4%below the sector's middle half▼ 1.3pp6.0%within the sector's middle half▲ 2.6pp8.3%within the sector's middle half▲ 2.3pp16.7%▲ 8.4pp
above
within
below
The sector band is the middle half of the companies in Insurance, reinsurance and pension funding, except compulsory social security (NACE 65). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2026 is 106% higher than in 2025 and the highest since 2022. It is the third rise in a row, after the fall in 2023.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €928,006
Fixed assets
€646,720 ▼ 4.9%
Current assets
€281,285 ▲ 44.8%
Equity and liabilities €928,006
Equity
€483,553 ▲ 47.1%
Provisions
€28,264 ▼ 3.8%
Debt
€416,189 ▼ 19.3%
Debt's share of the balance-sheet total falls from 59.0% to 44.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
32.0%▲
2025 · 22.0%
Debt ≤ 1 year
€217,715▼
2025 · €270,967
Debt > 1 year
€190,544▼
2025 · €219,960
Income taxes
€74,828▲
2025 · €38,691
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 31-03-2022 | 31-03-2023 | 31-03-2024 | 31-03-2025 | 31-03-2026 |
|---|---|---|---|---|---|
| Tangible fixed assets | €91,141 | €11,402 | €3,219 | €18,812 | €4,325 |
| Financial fixed assets | - | €67,235 | - | - | - |
| Depreciation and write-downs of the year | €29,441 | €37,469 | €37,773 | €40,395 | €37,407 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,666 | €22,940 | €22,696 | €29,441 | €37,469 | €37,773 | €40,395 | €37,407 | ▼ 7.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | -€1,848 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €6,006 | €3,599 | €3,010 | €3,114 | €3,258 | ▲ 4.6% |
| Gross operating margin9900 | €175,429 | €58,686 | €60,032 | €82,766 | €87,458 | €122,812 | €161,434 | €283,048 | ▲ 75.3% |
| Operating profit (loss)9901 | €147,555 | €12,151 | €38,999 | €49,167 | €46,390 | €82,029 | €117,926 | €242,383 | ▲ 106% |
| Financial income75/76B | - | - | - | €6,413 | €1,656 | €507 | €949 | €408 | ▼ 56.9% |
| Recurring financial income75 | €1,504 | €3,785 | €10,828 | €6,413 | €1,656 | €507 | €949 | €408 | ▼ 56.9% |
| Financial charges65/66B | - | - | - | €7,945 | €6,561 | €7,293 | €8,925 | €14,277 | ▲ 60.0% |
| Recurring financial charges65 | €10,535 | €9,116 | €9,784 | €7,945 | €6,561 | €7,293 | €8,925 | €14,277 | ▲ 60.0% |
| Profit (loss) for the period before taxes9903 | €138,524 | €6,820 | €40,043 | €47,635 | €41,485 | €75,243 | €109,949 | €228,515 | ▲ 108% |
| Transfer from deferred taxes780 | - | - | - | €1,111 | €1,111 | €1,111 | €1,111 | €1,111 | = |
| Income taxes67/77 | €47,507 | €4,235 | €27,456 | €11,771 | €15,084 | €26,143 | €38,691 | €74,828 | ▲ 93.4% |
| Profit (loss) for the period9904 | €101,660 | €4,156 | €13,699 | €36,975 | €27,513 | €50,211 | €72,369 | €154,798 | ▲ 114% |
| Transfer from tax-exempt reserves789 | - | - | - | €3,334 | €3,334 | €3,334 | €3,334 | €3,334 | = |
| Profit (loss) for the period to be appropriated9905 | €101,639 | €7,896 | €17,032 | €40,308 | €30,846 | €53,545 | €75,703 | €158,131 | ▲ 109% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €853,527 | €776,617 | €746,695 | €783,286 | €804,979 | €839,747 | €874,119 | €928,006 | ▲ 6.2% |
| Fixed assets21/28 | €666,487 | €644,644 | €633,097 | €694,796 | €735,964 | €701,411 | €679,827 | €646,720 | ▼ 4.9% |
| Tangible fixed assets22/27 | €572,962 | €551,119 | €539,572 | €601,271 | €575,204 | €540,651 | €519,067 | €485,985 | ▼ 6.4% |
| Land and buildings22 | - | - | - | €524,559 | €518,686 | €501,689 | €493,594 | €475,529 | ▼ 3.7% |
| Plant, machinery and equipment23 | - | - | - | €1,766 | €1,740 | €1,162 | €8,347 | €5,636 | ▼ 32.5% |
| Furniture and vehicles24 | - | - | - | €74,946 | €54,779 | €37,800 | €17,127 | €4,821 | ▼ 71.9% |
| Financial fixed assets28 | €93,525 | €93,525 | €93,525 | €93,525 | €160,760 | €160,760 | €160,760 | €160,735 | = |
| Current assets29/58 | €187,040 | €131,973 | €113,598 | €88,490 | €69,015 | €138,336 | €194,292 | €281,285 | ▲ 44.8% |
| Amounts receivable after more than one year29 | - | - | - | €25,000 | - | - | - | - | - |
| Other amounts receivable291 | - | - | - | €25,000 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €39,631 | €51,881 | €20,958 | €6,734 | €19,756 | €51,237 | €34,072 | €92,617 | ▲ 172% |
| Trade receivables40 | - | - | - | €1,065 | €19,756 | €51,237 | €34,072 | €92,617 | ▲ 172% |
| Other amounts receivable41 | - | - | - | €5,669 | - | - | - | €0 | - |
| Current investments50/53 | €24,575 | €21,425 | €21,425 | €21,425 | €21,425 | €28,446 | €27,761 | €128,379 | ▲ 362% |
| Cash at bank and in hand54/58 | €82,234 | €16,678 | €8,660 | €34,608 | €27,834 | €58,610 | €132,384 | €60,290 | ▼ 54.5% |
| Deferred charges and accrued income490/1 | - | - | - | €722 | - | €43 | €74 | €0 | ▼ 100% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €853,527 | €776,617 | €746,695 | €783,286 | €804,979 | €839,747 | €874,119 | €928,006 | ▲ 6.2% |
| Equity10/15 | €382,346 | €386,502 | €400,200 | €377,662 | €365,175 | €415,386 | €328,755 | €483,553 | ▲ 47.1% |
| Contributions10/11 | €18,600 | - | - | €20,460 | €20,460 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €351,952 | €354,152 | €367,819 | €304,972 | €292,438 | €344,465 | €257,831 | €411,498 | ▲ 59.6% |
| Tax-exempt reserves132 | - | - | - | €81,172 | €77,838 | €74,505 | €71,171 | €67,838 | ▼ 4.7% |
| Distributable reserves133 | - | - | - | €223,800 | €214,600 | €269,960 | €186,660 | €343,660 | ▲ 84.1% |
| Profit (loss) carried forward14 | €11,794 | €11,889 | €11,922 | €52,230 | €52,276 | €52,321 | €52,324 | €53,455 | ▲ 2.2% |
| Provisions and deferred taxes16 | €36,502 | €34,931 | €33,820 | €32,708 | €31,597 | €30,486 | €29,375 | €28,264 | ▼ 3.8% |
| Deferred taxes168 | - | - | - | €32,708 | €31,597 | €30,486 | €29,375 | €28,264 | ▼ 3.8% |
| Amounts payable17/49 | €434,680 | €355,184 | €312,675 | €372,916 | €408,207 | €393,875 | €515,990 | €416,189 | ▼ 19.3% |
| Amounts payable after more than one year17 | €337,552 | €292,774 | €279,547 | €321,539 | €288,131 | €254,228 | €219,960 | €190,544 | ▼ 13.4% |
| Financial debts170/4 | - | - | - | €321,539 | €288,131 | €254,228 | €219,960 | €190,544 | ▼ 13.4% |
| Amounts payable within one year42/48 | €97,128 | €62,004 | €33,128 | €51,377 | €120,076 | €115,401 | €270,967 | €217,715 | ▼ 19.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €32,920 | €33,407 | €33,903 | €34,268 | €29,416 | ▼ 14.2% |
| Financial debts43 | - | - | - | €3,683 | €3,688 | €3,736 | - | - | - |
| Credit institutions430/8 | - | - | - | €3,683 | €3,688 | €3,736 | - | - | - |
| Trade debts44 | €21,972 | €12,932 | €5,981 | €9,048 | €6,015 | €22,950 | €55,328 | €41,827 | ▼ 24.4% |
| Suppliers440/4 | - | - | - | €9,048 | €6,015 | €22,950 | €55,328 | €41,827 | ▼ 24.4% |
| Taxes, remuneration and social security45 | - | - | - | €1,473 | €5,974 | €12,757 | €24,706 | €51,190 | ▲ 107% |
| Taxes450/3 | - | - | - | €1,473 | €5,974 | €12,757 | €24,706 | €51,190 | ▲ 107% |
| Other amounts payable47/48 | - | - | - | €4,253 | €70,993 | €42,054 | €156,665 | €95,283 | ▼ 39.2% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €24,246 | €25,063 | €7,930 | ▼ 68.4% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,660 | €4,156 | €13,699 | €36,975 | €27,513 | €50,211 | €72,369 | €154,798 | ▲ 114% |
| + Depreciation and write-downs630 | €22,666 | €22,940 | €22,696 | €29,441 | €37,469 | €37,773 | €40,395 | €37,407 | ▼ 7.4% |
| Operating cash flow (approximation) | €124,326 | €27,096 | €36,395 | €66,416 | €64,982 | €87,984 | €112,764 | €192,204 | ▲ 70.4% |
| Investment in fixed assets (approximation) | - | -€1,097 | -€11,148 | -€91,141 | -€78,637 | -€3,219 | -€18,812 | -€4,300 | ▲ 77.1% |
| Change in cash | - | -€65,556 | -€8,018 | €25,949 | -€6,774 | €30,776 | €73,774 | -€72,094 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2026 | abbreviated format | 28-10-2026 | 2026-00570762 | |
| 31-03-2025 | abbreviated format | 30-10-2025 | 2025-00554389 | |
| 31-03-2024 | abbreviated format | 29-10-2024 | 2024-00520118 | |
| 31-03-2023 | abbreviated format | 31-10-2023 | 2023-00506804 | |
| 31-03-2022 | abbreviated format | 10-11-2022 | 2022-20520432 | |
| 31-03-2021 | abbreviated format | 08-11-2021 | 2021-76900535 | |
| 31-03-2020 | abbreviated format | 26-11-2020 | 2020-72700390 | |
| 31-03-2019 | abbreviated format | 21-10-2019 | 2019-71000206 | |
| 31-03-2018 | abbreviated format | 31-10-2018 | 2018-71600222 | |
| 31-03-2017 | abbreviated format | 01-10-2017 | 2017-65700091 |
Board & ownership
Directors
Directors
2 directors
Buysschaert Régine
Current
Saverys Bruno
Current
Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| Buysschaert Régine |
|
| Saverys Bruno |
|
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 31-03-2026Equity €5.1m Profit of €49,925 in 2025 (profit of €2.0m in 2024) Checked score 9410%
Connections & network
2 current directorsThe network starts from the directors of BUBUS. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2027 accounts:
2026
28-10
abbreviated format · 3 days before the deadline
31-03
Financial
Highest result from 2019 to 2026net €154,798 ▲114%
The operating result of €242,383 and the net result of €154,798 are both a record.
2025
30-10
abbreviated format · 1 day before the deadline
2024
29-10
abbreviated format · 2 days before the deadline
31-03
Financial
Liquidity more than doubledcurrent ratio 1.20
The current ratio rises from 0.57 to 1.20. Short-term debt falls from €120,076 to €115,401.
2023
31-10
abbreviated format · on the deadline day
2022
10-11
abbreviated format · 10 days late
2021
08-11
abbreviated format · 8 days late
2020
26-11
abbreviated format · 26 days late
31-03
Financial
Weakest financial yearnet €4,156 ▼95.9%
The net result drops to €4,156, the lowest from 2019 to 2026. It recovers the following year.
2019
21-10
abbreviated format · 10 days before the deadline
2018
31-10
abbreviated format · on the deadline day
2017
01-10
abbreviated format · 30 days before the deadline
1995
23-02
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
BUBUS in Dutch
Enterprise number
0454.333.845
Legal form
Private limited company
Status
Active, normale toestand
Founded
30-01-1995
Entity type
Legal entity
Registered office and establishments
Registered office
Melkwegel(HEU) 46, 9070 Destelbergen, Belgium
Establishment unit
BUBUS, Melkwegel(HEU) 46, 9070 Destelbergen since 31-05-1996 · unit number 2.076.707.34546190 Agents in non-specialised wholesale trade
Activities
NACEBEL 202565121
Insurance, reinsurance and pension funding, except compulsory social security main activity
Codes under NACEBEL 2008
65121
Insurance, reinsurance and pension funding, except compulsory social security main activity
Codes under NACEBEL 2003
66031
main activity
Invoicing and payment
VAT number
BE 0454.333.845
Financial year and general meeting
Accounts at the NBBFinancial year end
31-03
Sites & property
Location
Buildings and parcels at the address
Ground area
1,291 m²
Building footprint
176 m²
Building volume
1,028 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44028A0688/00B003 | Flanders | 1,291 m² | 1 · 176 m² | 9.3 m · 2 |