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DE BRUYNE VERZEKERINGEN

Active
Private limited companyfounded 2009active for 16 yearsHofweg 10, 1745 Opwijk, BelgiumKBO/BCE: BE 0821.234.563

From the official registers: KBO 16 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

DE BRUYNE VERZEKERINGEN has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204,821 and a net result of €33,307. Equity is growing by about 13% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 08-12-2009 Normal situation
Legal form
Private limited company
Registered office
Hofweg 10, 1745 Opwijk
Activity
“Verzekeringsbemiddeling in de ruimste betekenis van het woord” (deed in Dutch)From the articles, 8 activitiesNo NACE code in the KBO yet
Establishment unit
2.185.116.228 1745 Opwijk, since 01-01-2010
Financial year end
31 December
Peppol
Reachable since 07-01-2026

Who decides

Board
  • De Bruyne MarcDirector · since 07-12-2009

How it is doing

90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€64,748
▲ 14.1%
Turnover
≈ €190,000
estimated
Profit
€33,307
▲ 20.0%
Equity
€204,821
▲ 5.3%
Total assets
€256,521
▼ 2.5%
2025 accounts filed 74 days late
Filed on 13-10-2026at the National Bank
Why 90raises riskLast filed accounts filed 74 days late; 3 of the last 3 latelowers riskSize: total assets €256,521Liquidity: current ratio 4.46, cash €52,646Founded in 2009Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 69% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency 100+1
equity 79.8% of total assets
Liquidity 69+11
short-term debt 20.2% · cash 20.5%
Profitability 85+3
return on assets 13.0%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.8%▲ +0.1 percentage points vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.7%▼ -0.1 percentage points vs 04-2025 06-2025: 0.8%▲ +0.1 percentage points vs 05-2025 07-2025: 0.9%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▲ +0.3 percentage points vs 07-2025 09-2025: 1.3%▲ +0.1 percentage points vs 08-2025 10-2025: 1.7%▲ +0.4 percentage points vs 09-2025highest value 11-2025: 0.4%▼ -1.3 percentage points vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026 09-2026: 0.8%▲ +0.1 percentage points vs 08-2026 10-2026: 0.2%▼ -0.6 percentage points vs 09-2026lowest value
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity ample (current ratio 4.46, compared with 3.25 in 2024, above the usual 1.5; short-term debt: 20.2% and cash: 20.5% of total assets), and 20.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 65% on liquidity, 68% on profitability and 61% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 74 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: total assets €256,521
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 4.46, cash €52,646
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 2025 accounts filed 74 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-10-2026, 74 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 · 10 filings
Deviation from the deadline
2025
74 days late
2024
64 days late
2023
71 days late
2022
74 days late
2021
229 days late
2020
55 days late
2019
92 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 94 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 13 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage

Key points

  • Positive: 8 profitable years in a rowprofit 2025: €33,307 8 years View

Documents

Annual accounts at the NBB

All 16 annual accounts

Articles and registers

Key facts about DE BRUYNE VERZEKERINGEN

What is the company number of DE BRUYNE VERZEKERINGEN?
0821.234.563. In Belgium the VAT number is the company number with BE in front: BE 0821.234.563.
Where is DE BRUYNE VERZEKERINGEN based?
The registered office is at Hofweg 10, 1745 Opwijk.Company details
What is the legal form of DE BRUYNE VERZEKERINGEN?
Private limited company (BV).
When was DE BRUYNE VERZEKERINGEN founded?
On 08-12-2009.
Is DE BRUYNE VERZEKERINGEN still active?
Yes, DE BRUYNE VERZEKERINGEN is an active enterprise in the KBO register.
What is the turnover of DE BRUYNE VERZEKERINGEN?
≈ €190,000 in financial year 2025. Estimated from the gross margin of €64,748: probably between €130,000 and €340,000, based on 2,676 comparable companies of the same size. A rough estimate.Financials
Is DE BRUYNE VERZEKERINGEN profitable?
In financial year 2025, DE BRUYNE VERZEKERINGEN made a profit of €33,307.
Where can I find the annual accounts of DE BRUYNE VERZEKERINGEN?
DE BRUYNE VERZEKERINGEN filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of DE BRUYNE VERZEKERINGEN due?
By 31-07-2027, for financial year 2026.Timeline

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