Summary
DB verzekeringen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €304k and a net result of €56k. Equity is growing by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 5527 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 10-03-2026, 143 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
143 d early
2024
48 d early
2023
48 d early
2022
41 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€304k▲ 22.6%
2024 · €248k
2022: €71k
2023: €156k
2024: €248k
2022 → 2025
Net result
€56k▼ 38.9%
2024 · €92k
2022: €71k
2023: €86k
2024: €92k
2022 → 2025
Total assets
€517k▲ 7.1%
2024 · €483k
2022: €426k
2023: €422k
2024: €483k
2022 → 2025
Solvency
58.9%▲ 7.4pp
2024 · 51.4%
2022: 16.6%
2023: 37.0%
2024: 51.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€71k-€156k▲ 121%€248k▲ 58.7%€304k▲ 22.6%
Operating result€28k-€13k▼ 52.4%€24k▲ 80.1%€36k▲ 50.7%
Net result€71k-€86k▲ 21.3%€92k▲ 7.2%€56k▼ 38.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €517k
Fixed assets
€412k ▲ 0.4%
Current assets
€105k ▲ 45.4%
Equity and liabilities €517k
Equity
€304k ▲ 22.6%
Debt
€213k ▼ 9.3%
Debt's share of the balance-sheet total falls from 48.6% to 41.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.4%▼
2024 · 37.0%
ROA
10.8%▼
2024 · 19.0%
Debt ≤ 1 year
€213k▼
2024 · €235k
Income taxes
€10k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€483k€517k▲
Fixed assets21/28€411k€412k▲
Tangible fixed assets22/27€6k€8k▲
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€404k€404k=
Current assets29/58€72k€105k▲
Cash at bank and in hand54/58€69k€102k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€483k€517k▲
Equity10/15€248k€304k▲
Contributions10/11€100€100=
Reserves13€248k€304k▲
Distributable reserves133€248k€304k▲
Amounts payable17/49€235k€213k▼
Amounts payable within one year42/48€235k€213k▼
Trade debts44€675€2k▲
Suppliers440/4€675€2k▲
Taxes, remuneration and social security45€16k€5k▼
Taxes450/3€16k€5k▼
Other amounts payable47/48€218k€205k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€849€812▼
Gross operating margin9900€26k€39k▲
Operating profit (loss)9901€24k€36k▲
Financial income75/76B€76k€30k▼
Recurring financial income75€76k€30k▼
Financial charges65/66B€44€45▲
Recurring financial charges65€44€45▲
Profit (loss) for the period before taxes9903€100k€66k▼
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€92k€56k▼
Profit (loss) for the period to be appropriated9905€92k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€56k▼
Transfer to equity691/2€92k€56k▼
To other reserves6921€92k€56k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €56k ▼38.9%
Net result drops to €56k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €92k ▲7.2%
Net result €92k, the highest in the series.
31-12
Financial
Equity above €200kEq €248k ▲58.7%
3 profitable years in a row build equity to €248k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €156k ▲121%
2 profitable years in a row build equity to €156k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bruinbeekstraat 272820 BonheidenGround area
794 m²
Building footprint
194 m²
Volume, LiDAR
827 m³
Parcel 12005D0299/00X000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DB verzekeringen
since 20212.324.537.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0299/00X000 | Flanders | 794 m² | 1 · 194 m² | 7.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SE CONSULTANCY
BE 0789.947.610
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ALISITA
BE 0816.732.476
Zonnebeke · Eq €304,088
MIXTAM
BE 0716.910.172
Frameries · Eq €304,328
JUFO
BE 0699.501.939
Rotselaar · Eq €304,056
Service Packaging Products Group
BE 0588.990.631
Sint-Katelijne-Waver · Eq €304,403
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,771 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.