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Complete company report
Generated 30-08-2026
Active BE 0634.586.569Private limited company

CARDOEN VERZEKERINGEN

Ter Waarde 72 ·8900 Ieper, Belgium· 11 yrs active
Sector: Agenten en makelaars in bankdiensten (66191)
Conclusion Checked

CARDOEN VERZEKERINGEN 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 2015 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.

Based on State Gazette and CBE data.
Key figures
Active 11 yrs
Board 1
Locations 2
Publications 6
Bankruptcy probability (12 mo) Checked model v1 · free

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.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview9 NBB filings
Financials being processed
NBB has 9 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 29-08-2025 2025-00431525
31-12-2023 micro 30-08-2024 2024-00433424
31-12-2022 micro 29-08-2023 2023-00389208
31-12-2021 micro 31-08-2022 2022-20424041
31-12-2020 micro 31-08-2021 2021-64100294
31-12-2019 micro 29-09-2020 2020-56500545
31-12-2018 micro 30-08-2019 2019-59100293
31-12-2017 micro 31-08-2018 2018-60600273
31-12-2016 verkort 17-08-2017 2017-44300349
Directors & mandates 3 directors
Current directors & mandates
  • Pedro Cardoen
    Director
    State Gazette act 23421021 (06-11-2023)
    Current
    11-01-2016 → present
    4 events
    • 06-11-2023 Appointed· Director
    • 11-01-2016 Resigned· Manager
    • 11-01-2016 Appointed· Manager
    • 30-11-2015 Appointed· Manager
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Petra Overbergh
    Manager
    State Gazette act 16004765 (11-01-2016)
    Not recently confirmed
    last confirmed in an act from 2016
    2 events
    • 11-01-2016 Resigned· Manager
    • 11-01-2016 Appointed· Manager
Former directors (1)
  • Paul Marquant
    Manager
    State Gazette act 15167204 (30-11-2015)
    Former
    - → 30-11-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Agenten en makelaars in bankdiensten(66191)
Legal form Private limited company(610)
Incorporation23-07-2015
StatusActive
Postal code8900
Establishment units 2 locations
CARDOEN VERZEKERINGEN
Maloulaan 25, 8900 IeperOverige financiële dienstverlening, neg
since 20212.314.372.389
CARDOEN VERZEKERINGEN
Ter Waarde 72, 8900 IeperBemiddeling inzake krediet en leningen door makelaars en andere tussenpersonen
since 20252.372.168.058
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
33011F0550/45D000 Flanders 365 m² 1 · 174 m² 15.7 m · 4 fl.
33306B0324/00D002 Flanders 318 m² 1 · 317 m² 8.6 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 15 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-10-2025
State Gazette act Registered-office change
v3.2
29-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
06-11-2023
State Gazette act Director changes
v3.2
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
29-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
25-09-2018
State Gazette act Statutes amendment
v3.2
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
17-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
11-01-2016
State Gazette act Director changes
v3.2
2015
30-11-2015
State Gazette act Director changes
v3.2
27-07-2015
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 6 acts
Address history · 1
10-10-2025
v3.2
All acts · 6 updated 10 months ago
2025
10-10-2025 Registered office moved from WERVIK to leper Registered-office change
  • Steenakker 29, 8940 WERVIK → Ter Waarde 72, 8900 leper
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "leper",
        "region": null,
        "street": "Ter Waarde",
        "country": "BE",
        "postcode": "8900",
        "box_number": null,
        "street_number": "72"
      },
      "old_address": {
        "city": "WERVIK",
        "region": null,
        "street": "Steenakker",
        "country": "BE",
        "postcode": "8940",
        "box_number": null,
        "street_number": "29"
      },
      "effective_date": "2025-09-02",
      "evidence_quote": "Uit het verslag van de enige bestuurder d.d. 2 september 2025 blijkt de verplaatsing van de zetel van de vennootschap naar 8900 leper, Ter Waarde 72, en dit met ingang van 2 september 2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "CARDOEN VERZEKERINGEN",
    "legal_form": "BV"
  }
}
2023
06-11-2023 Pedro Cardoen appointed as director Director changes
  • Pedro Cardoen, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Pedro Cardoen",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De vergadering stelt vast dat de niet-statutaire zaakvoerder, de heer Pedro Cardoen, wonende te 8900 Ieper, Maloulaan 25, van rechtswege niet-statutaire bestuurder werd."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "CARDOEN VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
2018
25-09-2018 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": true,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2018-09-25",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "FINANVER",
    "legal_form": "BVBA"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2016
11-01-2016 2 directors appointed, 3 resigning Director changes
  • Petra Overbergh, Zaakvoerder
  • Pedro Cardoen, Zaakvoerder
  • BVBA MARQUANT, Zaakvoerder
  • Petra Overbergh, Zaakvoerder
  • Pedro Cardoen, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "BVBA MARQUANT",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering bevestigt hier het ontslag van de BVBA MARQUANT."
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Petra Overbergh",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering besluit het ontslag te aanvaarden van de zaakvoerders: - Mevrouw Petra Overbergh, wonende te 8940 Wervik, Duivenstraat 90;"
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Pedro Cardoen",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering besluit het ontslag te aanvaarden van de zaakvoerders: ... De Heer Pedro Cardoen, wonende te 8980 Zonnebeke, Bassevillestraat 1."
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Petra Overbergh",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering besluit aan te stellen als statutaire zaakvoerders: Mevrouw Petra Overbergh, wonende te 8940 Wervik, Duivenstraat 90;"
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Pedro Cardoen",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering besluit aan te stellen als statutaire zaakvoerders: ... De Heer Pedro Cardoen, wonende te 8980 Zonnebeke, Bassevillestraat 1."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "FINANVER",
    "legal_form": "BVBA"
  }
}
2015
30-11-2015 1 director appointed, 1 resigning Director changes
  • Pedro Cardoen, Zaakvoerder
  • Paul Marquant, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Paul Marquant",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De buitengewone algemene vergadering van 9 november 2015 heeft het ontslag aanvaard van zaakvoerder Paul Marquant, wonende te Zandvoordeplaats 50, 8980 ZANDVOORDE"
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Pedro Cardoen",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Ter vervanging werd als nieuwe zaakvoerder aangesteld Pedro Cardoen, Bassevillestraat 1, 8980 BESELARE, die heeft aanvaard."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "FINANVER",
    "legal_form": "BVBA"
  }
}
27-07-2015 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Steenakker 29, 8940 Wervik",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1962-09-24",
        "name": "Mevrouw Petra OVERBERGH",
        "niss": null,
        "address": "Duivenstraat 90, 8940 Wervik"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 16500,
      "holder_person_name": "Mevrouw Petra OVERBERGH",
      "is_subscriber_only": false,
      "n_shares_subscribed": 66,
      "amount_subscribed_eur": 16500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "De Heer Pedro CARDOEN",
        "niss": null,
        "address": "Bassevillestraat 1, 8980 Zonnebeke"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 16500,
      "holder_person_name": "De Heer Pedro CARDOEN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 66,
      "amount_subscribed_eur": 16500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0870.778.797",
        "name": "\u0022MARQUANT\u0022 BVBA"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": "0870.778.797",
      "holder_org_name": "\u0022MARQUANT\u0022 BVBA",
      "contribution_type": "cash",
      "amount_paid_in_eur": 16500,
      "holder_person_name": null,
      "is_subscriber_only": false,
      "n_shares_subscribed": 66,
      "amount_subscribed_eur": 16500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 75000,
  "subject_company": {
    "kbo": "0634.586.569",
    "name_full": "FINANVER",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2015-07-23",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191
Primary activity highlighted.
Names & trade names
Legal nameNL CARDOEN VERZEKERINGEN
Registered office
Ter Waarde 72
8900 Ieper, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative