Summary
DESCHEPPER - DE BONT 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 €675,997 and a net result of €141,488. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 92% of 2515 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Insurance agents and brokers
NACE 66220NACE 67201
1 site
How big
€731,345total assets 2025
- Staff
- 2.7 FTE
- Equity
- €675,997
- Profit
- €141,488
Turnover not published (abridged schema)
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
Accounts 16 d early0 of 3 deeds read
SignalsLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
24 d early
2023
8 d early
2022
4 d early
2021
26 d early
2020
23 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
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. Usually files around 15 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €141,488 ▲8.6%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €731,345Profit €141,488Solvency 92.4%Liquidity 9.59
Total assets
€731,345▲ 12.7%
2018 - 2025
Net result
€141,488▲ 8.6%
2018 - 2025
Equity
€675,997▲ 13.3%
2018 - 2025
Staff (FTE)
2.7=
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€125,484▼ 2.6%€145,422▲ 15.9%€155,980▲ 7.3%€177,498▲ 13.8%€194,470▲ 9.6%
Net result€89,637above the sector's middle half▼ 2.0%€103,284above the sector's middle half▲ 15.2%€111,192above the sector's middle half▲ 7.7%€130,229above the sector's middle half▲ 17.1%€141,488above the sector's middle half▲ 8.6%
Equity€370,556above the sector's middle half▼ 5.9%€422,121above the sector's middle half▲ 13.9%€497,284above the sector's middle half▲ 17.8%€596,777above the sector's middle half▲ 20.0%€675,997above the sector's middle half▲ 13.3%
Total assets€396,121within the sector's middle half▼ 9.9%€458,677within the sector's middle half▲ 15.8%€540,557within the sector's middle half▲ 17.9%€648,980within the sector's middle half▲ 20.1%€731,345within the sector's middle half▲ 12.7%
Debt€25,565▼ 44.0%€36,556▲ 43.0%€43,273▲ 18.4%€52,203▲ 20.6%€55,347▲ 6.0%
Working capital€182,798above the sector's middle half▼ 9.6%€188,524above the sector's middle half▲ 3.1%€305,319above the sector's middle half▲ 62.0%€422,143above the sector's middle half▲ 38.3%€475,202above the sector's middle half▲ 12.6%
Solvency93.5%above the sector's middle half▲ 3.9pp92.0%above the sector's middle half▼ 1.5pp92.0%above the sector's middle half=92.0%above the sector's middle half=92.4%above the sector's middle half▲ 0.5pp
Current ratio8.25above the sector's middle half▲ 2.816.16above the sector's middle half▼ 2.088.06above the sector's middle half▲ 1.909.13above the sector's middle half▲ 1.069.59above the sector's middle half▲ 0.47
Return on assets (ROA)22.6%above the sector's middle half▲ 1.8pp22.5%above the sector's middle half▼ 0.1pp20.6%above the sector's middle half▼ 1.9pp20.1%within the sector's middle half▼ 0.5pp19.3%within the sector's middle half▼ 0.7pp
Staff (FTE)2.7=2.7=2.7=2.7=2.7=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €731,345
Fixed assets
€200,850 ▲ 14.8%
Current assets
€530,495 ▲ 11.9%
Equity and liabilities €731,345
Equity
€675,997 ▲ 13.3%
Debt
€55,347 ▲ 6.0%
Debt's share of the balance-sheet total falls from 8.0% to 7.6%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
ROE
20.9%▼
2024 · 21.8%
Debt ≤ 1 year
€55,293▲
2024 · €51,937
Income taxes
€60,114▲
2024 · €54,879
Staff costs
€183,705▲
2024 · €178,002
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €138,840 | €153,677 | €165,420 | €178,002 | €183,705 | ▲ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,350 | €30,075 | €41,632 | €35,839 | €25,340 | ▼ 29.3% |
| Other operating charges640/8 | €2,493 | €2,462 | €2,734 | €2,547 | €2,329 | ▼ 8.6% |
| Non-recurring operating charges66A | €131 | - | - | - | - | - |
| Gross operating margin9900 | €286,298 | €331,636 | €365,766 | €393,886 | €405,844 | ▲ 3.0% |
| Operating profit (loss)9901 | €125,484 | €145,422 | €155,980 | €177,498 | €194,470 | ▲ 9.6% |
| Financial income75/76B | €91 | €297 | €3,316 | €7,767 | €7,291 | ▼ 6.1% |
| Recurring financial income75 | €91 | €297 | €3,316 | €7,767 | €7,291 | ▼ 6.1% |
| Financial charges65/66B | €148 | €107 | €126 | €157 | €158 | ▲ 0.7% |
| Recurring financial charges65 | €148 | €107 | €126 | €157 | €158 | ▲ 0.7% |
| Profit (loss) for the period before taxes9903 | €125,427 | €145,612 | €159,169 | €185,107 | €201,602 | ▲ 8.9% |
| Income taxes67/77 | €35,791 | €42,329 | €47,977 | €54,879 | €60,114 | ▲ 9.5% |
| Profit (loss) for the period9904 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| Profit (loss) for the period to be appropriated9905 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €396,121 | €458,677 | €540,557 | €648,980 | €731,345 | ▲ 12.7% |
| Fixed assets21/28 | €188,106 | €233,651 | €192,019 | €174,900 | €200,850 | ▲ 14.8% |
| Intangible fixed assets21 | €847 | - | - | €3,559 | €2,731 | ▼ 23.3% |
| Tangible fixed assets22/27 | €187,259 | €233,651 | €192,019 | €171,341 | €198,119 | ▲ 15.6% |
| Plant, machinery and equipment23 | €8,457 | €5,946 | €3,435 | €1,769 | €2,384 | ▲ 34.8% |
| Furniture and vehicles24 | €5,119 | €65,568 | €37,994 | €14,214 | €2,876 | ▼ 79.8% |
| Other tangible fixed assets26 | €173,683 | €162,136 | €150,590 | €155,359 | €192,858 | ▲ 24.1% |
| Current assets29/58 | €208,016 | €225,026 | €348,538 | €474,080 | €530,495 | ▲ 11.9% |
| Amounts receivable within one year40/41 | €26,435 | €22,417 | €22,376 | €24,360 | €34,494 | ▲ 41.6% |
| Trade receivables40 | €25,237 | €19,862 | €20,029 | €20,561 | €24,112 | ▲ 17.3% |
| Other amounts receivable41 | €1,198 | €2,555 | €2,347 | €3,799 | €10,382 | ▲ 173% |
| Current investments50/53 | - | - | €200,000 | €150,000 | €151,500 | ▲ 1.0% |
| Cash at bank and in hand54/58 | €161,291 | €182,461 | €95,105 | €290,688 | €337,891 | ▲ 16.2% |
| Deferred charges and accrued income490/1 | €20,290 | €20,148 | €31,057 | €9,031 | €6,610 | ▼ 26.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €396,121 | €458,677 | €540,557 | €648,980 | €731,345 | ▲ 12.7% |
| Equity10/15 | €370,556 | €422,121 | €497,284 | €596,777 | €675,997 | ▲ 13.3% |
| Contributions10/11 | €6,334 | €6,334 | €6,334 | €6,334 | €6,334 | = |
| Reserves13 | €364,222 | €415,787 | €490,950 | €590,443 | €669,663 | ▲ 13.4% |
| Non-distributable reserves130/1 | €1,900 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,900 | - | - | - | - | - |
| Distributable reserves133 | €362,322 | €415,787 | €490,950 | €590,443 | €669,663 | ▲ 13.4% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €25,565 | €36,556 | €43,273 | €52,203 | €55,347 | ▲ 6.0% |
| Amounts payable within one year42/48 | €25,217 | €36,502 | €43,219 | €51,937 | €55,293 | ▲ 6.5% |
| Trade debts44 | €6,749 | €10,310 | €6,172 | €13,839 | €10,427 | ▼ 24.7% |
| Suppliers440/4 | €6,749 | €10,310 | €6,172 | €13,839 | €10,427 | ▼ 24.7% |
| Taxes, remuneration and social security45 | €18,468 | €26,192 | €37,047 | €38,046 | €44,548 | ▲ 17.1% |
| Taxes450/3 | €791 | €7,329 | €12,828 | €11,977 | €18,664 | ▲ 55.8% |
| Remuneration and social security454/9 | €17,678 | €18,863 | €24,219 | €26,069 | €25,884 | ▼ 0.7% |
| Other amounts payable47/48 | - | - | - | €52 | €318 | ▲ 512% |
| Accrued charges and deferred income492/3 | €348 | €54 | €54 | €266 | €54 | ▼ 79.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| + Depreciation and write-downs630 | €19,350 | €30,075 | €41,632 | €35,839 | €25,340 | ▼ 29.3% |
| Operating cash flow (approximation) | €108,987 | €133,359 | €152,824 | €166,068 | €166,828 | ▲ 0.5% |
| Investment in fixed assets (approximation) | - | -€75,620 | €0 | -€18,720 | -€51,290 | ▼ 174% |
| Change in cash | - | €21,171 | -€87,356 | €195,584 | €47,203 | ▼ 75.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Similar companies · same sector, comparable size
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MARTENS VERZEKERINGEN
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KANTOOR MORTELMANS
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
12 eventsLatest 15-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €141,488 ▲8.6%
Operating result €194,470, net result €141,488, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500,000Eq €596,777 ▲20%
7 profitable years in a row build equity to €596,777.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 funding sourceFlanders €4,538
Flemish government
€4,538
awarded · 2022 - 2025
Subsidies and aid
Flemish government
2022 to 2025 · 6 entries · €4,538 awarded · €4,571 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | €967 | €956 |
| 2024 | 2 | €1,234 | €1,234 |
| 2023 | 1 | €201 | €293 |
| 2022 | 2 | €2,136 | €2,088 |
Company details
Private limited company · founded 31-08-2000Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded31-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472663776
Also
9925:BE0472663776
Registered
08-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Ninove · 1 establishment unit since 2000
Ground area
1,259 m²
Building footprint
184 m²
Volume, LiDAR
1,379 m³
Parcel 41012B0376/00D005, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DESCHEPPER-DE BONT
since 2000unit no. 2.131.683.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41012B0376/00D005 | Flanders | 1,259 m² | 1 · 184 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies What changed in the latest annual accounts?What changed
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