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DIENSTENKANTOOR SPECENIER

Active Risk: not assessed
Private limited companyfounded 1994active for 32 yearsRoeselarestraat(ONK) 194, 8840 Staden, BelgiumKBO/BCE: BE 0453.188.948
Summary

DIENSTENKANTOOR SPECENIER 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 €1.8m and a net result of €556,900, of which €378,199 non-recurring income. Equity has been growing by about 18% per year since 2018. Its solvency ranks better than 80% of 1,850 sector peers (NACE 66, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals.

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Overview

Official details

Source: KBO
Status
Active since 01-08-1994 Normal situation
Activity
Insurance agents and brokers NACE 66220and 1 other
Joint committee
341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2025
Establishment units
2.150.079.828 8870 Izegem, since 23-11-2005
2.233.805.575 8820 Torhout, since 17-07-2009
Financial year end
31 December
Peppol
Reachable since 17-11-2025
Company details

Board and ownership

Last known board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€556,900
▲ 105%
Equity
€1.8m
▲ 44.4%
Total assets
€2.4m
▲ 34.0%
Employees on 31-12-2025
5
=
  • 2025 accounts filed 60 days after the deadline
Filed on 29-09-2026
Financials
SignalsneutralA punctual record breaksShow 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

1 signal.
neutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
60 days late
2024
6 days early
2023
14 days early
2022
19 days early
2021
2 days early
2020
1 day early
2019
8 days early
← 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 1 day 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 25 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 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

  • Result rose in 2025mostly from a one-off income of €378,199 ▲ 105% View
  • Positive: 3rd oldest company in Staden, Finance and insurance sectorin the Checked rankings No. 3 View
  • Positive: 8 profitable years in a rowprofit 2025: €556,900, mostly one-off 8 years View

Recent changes

  1. · Gazette deed Resignation: Dirk Specenier (statutairezaakvoerder)Appointments: SPECENIER, RHR INVEST and IZETOR · Permanent representatives: Dirk Specenier, Steven Decabooter and Vanessa Amerlynck
  2. · Gazette deed Change of role: Dirk Specenier, from statutory manager to statutory director
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as DIENSTENKANTOOR SPECENIER: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €1.9m and €3.2m, founded between 1987 and 2002.

CompanyTotal assetsGross margin
DIENSTENKANTOOR SPECENIER Staden€2.4m€1.2m
VANBREDA DEKERF Ternat€2.5m€1.1m
ZAKENKANTOOR DIRK DE JONGHE Middelkerke€2.2m€1.0m
DEBLAERE - VANDE MAELE Waregem€1.9m€1.1m
ABCO VERZEKERINGEN Tienen€2.7m€1.3m
NAGELS & CUYPERS Hasselt€2.4m€1.1m
VERZEKERINGEN VINKEN Peer€3.2m€1.3m
Full comparison

Key facts about DIENSTENKANTOOR SPECENIER
What is the company number of DIENSTENKANTOOR SPECENIER?
The company number of DIENSTENKANTOOR SPECENIER is 0453.188.948. The VAT number is the same number with BE in front: BE 0453.188.948.
Where is DIENSTENKANTOOR SPECENIER based?
The registered office is at Roeselarestraat(ONK) 194, 8840 Staden.Company details
What does DIENSTENKANTOOR SPECENIER do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of DIENSTENKANTOOR SPECENIER?
The legal form of DIENSTENKANTOOR SPECENIER is Private limited company (BV).
When was DIENSTENKANTOOR SPECENIER founded?
DIENSTENKANTOOR SPECENIER was founded on 01-08-1994.
Is DIENSTENKANTOOR SPECENIER still active?
Yes, DIENSTENKANTOOR SPECENIER is an active enterprise in the KBO register.
How many employees does DIENSTENKANTOOR SPECENIER have?
DIENSTENKANTOOR SPECENIER had an average of 4.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does DIENSTENKANTOOR SPECENIER fall under?
In its 2025 annual accounts, DIENSTENKANTOOR SPECENIER states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
What is the turnover of DIENSTENKANTOOR SPECENIER?
The turnover in financial year 2025 is ≈ €2.1m. This figure is estimated from the gross margin of €1.2m and 1,586 comparable companies of the same size. It probably lies between €1.4m and €3.4m. It is a rough estimate.
Is DIENSTENKANTOOR SPECENIER profitable?
In financial year 2025, DIENSTENKANTOOR SPECENIER made a profit of €556,900.
Where can I find the annual accounts of DIENSTENKANTOOR SPECENIER?
DIENSTENKANTOOR SPECENIER filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of DIENSTENKANTOOR SPECENIER due?
DIENSTENKANTOOR SPECENIER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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