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Complete company report
Generated 22-08-2026
Active BE 0434.821.504Public limited company

ERARD VERZEKERINGEN

Nieuwe Kalsijde 5b ·8920 Langemark-Poelkapelle, Belgium· 38 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

ERARD VERZEKERINGEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 38 yrs
Board 2
Locations 1
Publications 4
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
Long-established
Founded in 1988, 38 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 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.
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
30-06-2025 verkort 18-12-2025 2025-00584312
30-06-2024 verkort 30-01-2025 2025-00015859
30-06-2023 verkort 30-01-2024 2024-00022912
30-06-2022 verkort 31-01-2023 2023-00014863
30-06-2021 verkort 31-01-2022 2022-04600454
30-06-2020 verkort 29-01-2021 2021-04400085
30-06-2019 verkort 15-01-2020 2020-01500125
30-06-2018 verkort 29-01-2019 2019-03300010
30-06-2017 verkort 22-01-2018 2018-02000105
30-06-2016 verkort 24-01-2017 2017-02100039
Directors & mandates 3 directors
Current directors & mandates
  • Joris Erard
    Director
    State Gazette act 26007071 (15-01-2026)
    Current
    01-07-2015 → present
    3 events
    • 08-12-2025 Mandate renewed· Director
    • 26-12-2019 Mandate renewed· Director
    • 01-07-2015 Appointed· Director
  • Bruno Erard
    Director
    State Gazette act 26007071 (15-01-2026)
    Current
    26-12-2013 → present
    5 events
    • 08-12-2025 Mandate renewed· Director
    • 08-12-2025 Mandate renewed· Managing director
    • 26-12-2019 Mandate renewed· Managing director
    • 26-12-2013 Mandate renewed· Director
    • 26-12-2013 Mandate renewed· Managing director
Former directors (1)
  • Erard Pol
    Director
    State Gazette act 14033816 (04-02-2014)
    Former
    26-12-2013 → 31-12-2016
    2 events
    • 31-12-2016 Resigned· Director
    • 26-12-2013 Mandate renewed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Public limited company(014)
Incorporation14-07-1988
StatusActive
Postal code8920
Establishment units 1 location
ERARD Verzekeringen nv
Nieuwe Kalsijde 5, 8920 Langemark-PoelkapelleFinanciële leasing
since 19882.039.467.560
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
33014A0952/00P000 Flanders 344 m² 1 · 158 m² 11.2 m · 3 fl.
33014A0953/00X002 Flanders 339 m² 1 · 167 m² 8.3 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 14 events

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

2026
15-01-2026
State Gazette act Director changes
v3.2
2025
18-12-2025
NBB filing Annual accounts filed
fiscal year 2025 · verkort
30-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
30-01-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
31-01-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
31-01-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
29-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
03-04-2020
State Gazette act Director changes
v3.2
15-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
29-01-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
22-01-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
01-02-2017
State Gazette act Registered-office change
v3.2
24-01-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2014
04-02-2014
State Gazette act Director changes
v3.2
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 4 acts
Address history · 1
01-02-2017
v3.2
All acts · 4 updated 7 months ago
2026
15-01-2026 3 reappointed Director changes
  • Bruno Erard, Bestuurder
  • Bruno Erard, Gedelegeerd bestuurder
  • Joris Erard, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bruno Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-08",
      "evidence_quote": "1/ de heer Bruno Erard, wonende te Pharaildelaan 14, 8670 Koksijde, tot bestuurder en gedelegeerd bestuurder;"
    },
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Bruno Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-08",
      "evidence_quote": "1/ de heer Bruno Erard, wonende te Pharaildelaan 14, 8670 Koksijde, tot bestuurder en gedelegeerd bestuurder;"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Joris Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-08",
      "evidence_quote": "2/ de heer Joris Erard, wonende te Bareelstraat 16, 9250 Waasmunster tot bestuurder."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0434.821.504",
    "name_full": "ERARD VERZEKERINGEN",
    "legal_form": "NV"
  }
}
2020
03-04-2020 2 reappointed Director changes
  • Bruno Erard, Gedelegeerd bestuurder
  • Joris Erard, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Bruno Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-12-26",
      "evidence_quote": "Uit de notulen van de bijzondere algemene vergadering en de onmiddellijk daaropvolgende raad van bestuur gehouden op 26 december 2019 blijkt de herbenoeming van: de heer Bruno Erard, wonende te 8670 Oostduinkerke, Pharaildelaan 14 tot bestuurder en gedelegeerd bestuurder;"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Joris Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-12-26",
      "evidence_quote": "Uit de notulen van de bijzondere algemene vergadering en de onmiddellijk daaropvolgende raad van bestuur gehouden op 26 december 2019 blijkt de herbenoeming van: ... de heer Joris Erard, wonende te 8830 Hooglede, Hillemolenstraat 8 tot bestuurder."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0434.821.504",
    "name_full": "ERARD VERZEKERINGEN",
    "legal_form": "NV"
  }
}
2017
01-02-2017 Registered office moved within Langemark-Poelkapelle Registered-office change
  • Klerkenstraat 20, 8920 Langemark-Poelkapelle → Nieuwe Kalsijde 5, 8920 Langemark-Poelkapelle
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Langemark-Poelkapelle",
        "region": null,
        "street": "Nieuwe Kalsijde",
        "country": "BE",
        "postcode": "8920",
        "box_number": "b",
        "street_number": "5"
      },
      "old_address": {
        "city": "Langemark-Poelkapelle",
        "region": null,
        "street": "Klerkenstraat",
        "country": "BE",
        "postcode": "8920",
        "box_number": null,
        "street_number": "20"
      },
      "effective_date": "2017-01-06",
      "evidence_quote": "Met \u00E9\u00E9nparigheid van stemmen wordt beslist om de maatschaplijke zetel, Klerkenstraat 20 te 8920 Langemark-Poelkapelle over te plaatsen naar: Nieuwe Kalsijde 5b te 8920 Langemark-Poelkapelle en dit vanaf 6 januari 2017."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0434.821.504",
    "name_full": "ERARD VERZEKERINGEN",
    "legal_form": "NV"
  }
}
2014
04-02-2014 3 reappointed Director changes
  • Pol Erard, Bestuurder
  • Bruno Erard, Bestuurder
  • Bruno Erard, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Pol Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2013-12-26",
      "evidence_quote": "de herbenoeming, met ingang van 26/12/2013 van: - de heer Pol Erard, wonende te 8670 Oostduinkerke, Pharaildelaan 14 tot bestuurder"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bruno Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2013-12-26",
      "evidence_quote": "de herbenoeming, met ingang van 26/12/2013 van: ... - de heer Bruno Erard, wonende te 8670 Oostduinkerke, Pharaildelaan 14 tot bestuurder en gedelegeerd bestuurder"
    },
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Bruno Erard",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2013-12-26",
      "evidence_quote": "de herbenoeming, met ingang van 26/12/2013 van: ... - de heer Bruno Erard, wonende te 8670 Oostduinkerke, Pharaildelaan 14 tot bestuurder en gedelegeerd bestuurder"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0434.821.504",
    "name_full": "ERARD VERZEKERINGEN",
    "legal_form": "NV"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsmakelaars en -agenten67201
Primary activity highlighted.
Names & trade names
Legal nameNL ERARD VERZEKERINGEN
Registered office
Nieuwe Kalsijde 5b
8920 Langemark-Poelkapelle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative