Active BE 0777.705.814Private limited company

DB verzekeringen

Bruinbeekstraat 27 ·2820 Bonheiden, Belgium· 4 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

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 64% of 498 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€304k
Net result	€56k
Better than sector	64%
Active	4 yrs

Snowflake analysis 4 of 5 axes measured · computed by Checked

76 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 92

Solvency 65

Growth 52

Stability 94

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

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 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.

Health barometer

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.

Financial overview4 NBB filings

Annual accounts filed on 10-03-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~40.4%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	58.9%	43.2%	better than 64% of 498 sector peers
Net result	€56k	€68k	better than 47% of 498 sector peers
Equity	€304k	€492k	better than 40% of 498 sector peers
Gross operating margin	€39k	€83k	better than 32% of 497 sector peers
Total assets	€517k	€1.58M	better than 23% of 498 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€56k

-38.9% 22-25

Total assets

€517k

+7.1% 22-25

Equity

€304k

+22.6% 22-25

Income taxes

€10k

+33.4% 22-25

Debt

€213k

-9.3% 22-25

Debt ≤ 1y

€213k

-9.3% 22-25

Solvency

58.9%

+14.5% 22-25

ROE

18.4%

-50.2% 22-25

ROA

10.8%

-43.0% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€56k
Cash flow	n/a
Staff costs	-
Income taxes	€10k
Dividends	-
Total assets	€517k
Equity	€304k
Debt	€213k
of which ≤ 1y	€213k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	58.9%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	10.8%
ROE	18.4%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €412k · 79.8% Current assets €105k · 20.3%

Equity & liabilities

Equity €304k · 58.9% Debt €213k · 41.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€517k
Fixed assets	21/28	€412k
Tangible fixed assets	22/27	€8k
Financial fixed assets	28	€404k
Current assets	29/58	€105k
Cash & bank	54/58	€102k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€517k
Equity	10/15	€304k
Contributions / capital	10/11	€100
Reserves	13	€304k
Amounts payable	17/49	€213k
Amounts payable within one year	42/48	€213k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€39k
Operating result	9901	€36k
Financial income	75	€30k
Financial charges	65	€45
Result before taxes	9903	€66k
Income taxes	67/77	€10k
Net result for the period	9904	€56k
Result to be appropriated	9905	€56k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Former directors (1)

De Bruyn Koenraad Emiel
Director
State Gazette act 25041672 (28-03-2025)

Former
- → 20-03-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	25-11-2021
Status	Active
Postal code	2820

Establishment units 1 location

DB verzekeringen

Bruinbeekstraat 27, 2820 BonheidenManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20212.324.537.395

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 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12005D0299/00X000	Flanders	794 m²	1 · 194 m²	7.8 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

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

2026

10-03-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

13-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

28-03-2025

State Gazette act Director changes

2024

13-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

20-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 1 year ago

2025

28-03-2025 7 directors appointed, 1 resigning Director changes

KONSILANTO, Dagelijks bestuur
A.K.A.G.! BV, Dagelijks bestuur
Ultra Wolf BV, Dagelijks bestuur
VAMOSY CommV, Dagelijks bestuur
ACC-KODI CommV, Dagelijks bestuur
RYKO BV, Dagelijks bestuur
Red Deer Consulting CommV, Dagelijks bestuur
De Bruyn Koenraad Emiel, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220

Primary activity highlighted.

Names & trade names

Legal nameNL

DB verzekeringen

Registered office

Bruinbeekstraat 27

2820 Bonheiden, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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