Debts
€1.4m 85% of the balance sheet
Financial debts 60%Suppliers 8%Taxes and wages 4%Other 27%
€947,829 of the debts are secured on the company's own assets. In 2022 that was €1.1m.
Certemo Verzekeringen
Lifetime
4 annual accounts with figures on one time axispeak €859,546 (2025)
€859,546▲ 2.9%
lowest -€45,718 (2022)
€16,210▼ 45.8%
peak €242,421 (2025)
€242,421▲ 7.2%
€1.4m▼ 8.3%
peak 9.4 FTE (2025)
9.4 FTE▲ 10.6%
Board5 names since 2021
3 directorsCare4U Consult and 2 others
Owners2 names in the annual accounts
Documentsfilings and deeds
25-09-202656 days late
2025abbreviated format
Result from €29,885 to €16,210Staff from 8.5 FTE to 9.4 FTECash from €133,967 to €28,513
Key points
from the 2025 annual accountsStaff
11 employees on 31-12-2025
In 2025, 3 people joined and 2 left.
Filings
4 annual accounts 4 late
The 2025 accounts came latest: 56 days after the end of the period.
Financial institution: outside the modelBankruptcy probability: sector outside the model
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.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1861 sector peers (2025).
NBB · sector comparisonPosition among 1861 sector peers
Solvency
better than 24%
← weakest
strongest →
raises risk · 2025 accounts filed 56 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
56 days late
2024
21 days late
2023
30 days late
2022
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 35 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- JURGEN DU BOIS 33.2%equity €862,878 (2025) · 2025 annual accounts of JURGEN DU BOIS
- LNB-Management 33%equity €150,528 (2025) · 2025 annual accounts of LNB-Management
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0772542939
Resignation: Goovaerts & Partners (director)
Director discharge: Goovaerts & Partners · General meeting of 31-12-2023 · Gazette deed
Incorporation
Founders: ENB-Management, JURGEN DU BOIS, GOOVAERTS Gerrit Florent Maria Pieter and 1 other · 200 shares · Appointments: ENB-Management, JURGEN DU BOIS, Goovaerts & Partners and Care4U Consult · published on 17-08-2021 · Gazette deed
First establishment
Mechelbaan 393, Putte
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Certemo Verzekeringen Putte | €1.7m | €0.9m | 14.6% | 9.4 |
| RELEX VERZEKERINGEN Wuustwezel | €2.1m | €1.0m | 15.1% | 7.2 |
| Assurmer Ostend | €2.2m | €1.1m | 5.1% | 9.4 |
| SEKUUR! Puurs-Sint-Amands | €1.7m | €0.7m | 3.5% | 5.6 |
| NOORDERKEMPEN ADVICE Hoogstraten | €2.4m | €0.9m | 3.5% | 6.5 |
| Verzekeringen A12 Rupel Aartselaar | €1.1m | €1.0m | 7.9% | 7.3 |
| NICAISE ASSURANCES Ham-sur-Heure-Nalinnes | €1.7m | €1.4m | 13.2% | 8.6 |
These companies have the same main activity as Certemo Verzekeringen: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €1.1m and €2.4m, founded between 2019 and 2022.
Official details
Source: KBO- Status
- Active since 13-08-2021Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2025
- Establishment unit
- 2.321.426.6652580 Putte, since 13-08-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Annual accounts 2025
- €1.7m▼ 6.4%
- Employeeson 31-12-2025
- 11▲ 10.0%
- Filing
- Filed on 25-09-2026
Insights on Certemo Verzekeringen
Certemo Verzekeringen files the abbreviated format. That format states no turnover. The gross margin rose from €436,453 in 2022 to €859,546 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Certemo Verzekeringen
- What is the company number of Certemo Verzekeringen?
- The company number of Certemo Verzekeringen is 0772.542.939. The VAT number is the same number with BE in front: BE 0772.542.939.
- Where is Certemo Verzekeringen based?
- The registered office is at Mechelbaan 393, 2580 Putte.Company details
- What does Certemo Verzekeringen do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of Certemo Verzekeringen?
- Certemo Verzekeringen is a private limited company (BV).
- When was Certemo Verzekeringen founded?
- Certemo Verzekeringen was founded on 13-08-2021.
- Is Certemo Verzekeringen still active?
- Yes, Certemo Verzekeringen is an active enterprise in the KBO register.
- How many employees does Certemo Verzekeringen have?
- Certemo Verzekeringen had an average of 9.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Certemo Verzekeringen fall under?
- In its 2025 annual accounts, Certemo Verzekeringen states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of Certemo Verzekeringen?
- The turnover in financial year 2025 is ≈ €1.4m. This figure is estimated from the gross margin of €859,546 and 31 comparable companies (NACE 66). It probably lies between €1.2m and €1.6m.
- Is Certemo Verzekeringen profitable?
- In financial year 2025, Certemo Verzekeringen made a profit of €16,210.
- Where can I find the annual accounts of Certemo Verzekeringen?
- Certemo Verzekeringen filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Certemo Verzekeringen due?
- Certemo Verzekeringen must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.