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COURTEL

Active
Private limited companyfounded 2015active for 11 yearsBeverensestraat 8, 8850 Ardooie, BelgiumKBO/BCE: BE 0636.872.306
Summary

COURTEL is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€17,283) and a net result of -€2,507. Equity has been shrinking by about 3% per year since 2018. Its solvency ranks better than 7% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

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COURTELActive
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Overview

Official details

Source: KBO
Status
Active since 08-09-2015 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.245.300.273 8850 Ardooie, since 08-09-2015
Financial year end
31 December
Peppol
Reachable since 24-11-2023
Company details

Board and ownership

Board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Loss
€2,507
▼ 84.3%
Equity
-€17,283
▼ 17.0%
Total assets
€357,043
▼ 17.2%
Employees on 31-12-2025
2
=
  • Negative equity on 31-12-2025
Financials
Signalsraises riskWeak solvency compared with the sectorneutralLatest 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.

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Signals

Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 3058 sector peers (2025).
NBB · sector comparison
Position among 3058 sector peers
Solvency
better than 7%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 days early
2024
22 days late
2023
19 days early
2022
29 days late
2021
16 days early
2020
22 days early
2019
53 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 4 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 15 July (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€17,283 View
  • Caution: Less equity than 95% of companies in auxiliary financial servicessector median €119,030 · 3,061 companies -€17,283 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€2,507 View

Recent changes

  1. · Gazette deed Company renamed from COURTEL - BEHAEGEL to COURTELReappointment: LEENKNEGT PieterJan (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as COURTEL: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €335,000 and €384,000, founded between 2013 and 2017.

CompanyTotal assetsGross margin
COURTEL Ardooie€357,043€200,468
VERZEKERINGSKANTOOR S. PLATTEAU Ieper€346,663€201,553
Roosen-Hermans Hasselt€383,617€216,436
JEROEN GROOTEN Dilsen-Stokkem€341,280€178,554
ZAKENKANTOOR WALTER CARETTE Torhout€361,241€173,582
VERZEKERINGEN GEUNES & GIJBELS Pelt€334,757€232,452
Verzekeringen Staelens Kapellen€345,942€179,476
Full comparison

Key facts about COURTEL
What is the company number of COURTEL?
The company number of COURTEL is 0636.872.306. The VAT number is the same number with BE in front: BE 0636.872.306.
Where is COURTEL based?
The registered office is at Beverensestraat 8, 8850 Ardooie.Company details
What does COURTEL do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of COURTEL?
The legal form of COURTEL is Private limited company (BV).
When was COURTEL founded?
COURTEL was founded on 08-09-2015.
Is COURTEL still active?
Yes, COURTEL is an active enterprise in the KBO register.
How many employees does COURTEL have?
COURTEL had an average of 1.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of COURTEL?
The turnover in financial year 2025 is ≈ €380,000. This figure is estimated from the gross margin of €200,468 and 31 comparable companies (NACE 66220). It probably lies between €310,000 and €510,000.
Is COURTEL profitable?
In financial year 2025, COURTEL made a loss of €2,507.
Where can I find the annual accounts of COURTEL?
COURTEL filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of COURTEL due?
COURTEL 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 what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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