HAELEWYCK 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 €1.09M and a net result of €233k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 1471 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
27 d late
2022
24 d late
2021
18 d late
2020
18 d late
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.09M▲ 15.4%
2024 · €948k
2018: €625k
2019: €713k
2020: €745k
2021: €951k
2022: €834k
2023: €855k
2024: €948k
2018 → 2025
Net result
€233k▲ 35.0%
2024 · €172k
2018: €80k
2019: €87k
2020: €132k
2021: €206k
2022: €138k
2023: €135k
2024: €172k
2018 → 2025
Total assets
€1.23M▲ 20.7%
2024 · €1.02M
2018: €761k
2019: €763k
2020: €843k
2021: €1.03M
2022: €919k
2023: €937k
2024: €1.02M
2018 → 2025
Solvency
88.8%▼ 4.1pp
2024 · 92.9%
2018: 82.2%
2019: 93.4%
2020: 88.4%
2021: 92.7%
2022: 90.8%
2023: 91.2%
2024: 92.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€951k-€834k▼ 12.3%€855k▲ 2.5%€948k▲ 10.9%€1.09M▲ 15.4%
Operating result€268k-€196k▼ 26.8%€190k▼ 3.2%€241k▲ 27.0%€326k▲ 35.2%
Net result€206k-€138k▼ 32.9%€135k▼ 2.2%€172k▲ 27.5%€233k▲ 35.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€16k▼ 12.6%
Current assets
€1.21M▲ 21.3%
Equity and liabilities €1.23M
Equity
€1.09M▲ 15.4%
Debt
€138k▲ 90.2%
The debt ratio rises from 7.1% to 11.2%. Equity and debt are higher.
Key figures and ratios
Solvency
88.8%▼
2024 · 92.9%
ROE
21.3%▲
2024 · 18.2%
ROA
18.9%▲
2024 · 16.9%
Debt
€138k▲
2024 · €72k
Debt ≤ 1 year
€136k▲
2024 · €72k
Income taxes
€117k▲
2024 · €84k
Staff costs
€173k▼
2024 · €204k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.02M€1.23M▲
Fixed assets21/28€19k€16k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€15k€13k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€11k€10k▼
Current assets29/58€1.00M€1.21M▲
Amounts receivable after more than one year29€465k€435k▼
Other amounts receivable291€465k€435k▼
Amounts receivable within one year40/41€5k€3k▼
Other amounts receivable41€5k€3k▼
Current investments50/53€363k€553k▲
Cash at bank and in hand54/58€106k€154k▲
Deferred charges and accrued income490/1€62k€70k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.23M▲
Equity10/15€948k€1.09M▲
Contributions10/11€1k€1k=
Reserves13€947k€1.09M▲
Distributable reserves133€947k€1.09M▲
Amounts payable17/49€72k€138k▲
Amounts payable within one year42/48€72k€136k▲
Financial debts43€17k€16k▼
Credit institutions430/8€17k€16k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€52k€114k▲
Taxes450/3€34k€91k▲
Remuneration and social security454/9€18k€23k▲
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€766€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€204k€173k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€455k€509k▲
Operating profit (loss)9901€241k€326k▲
Financial income75/76B€18k€36k▲
Recurring financial income75€18k€36k▲
Financial charges65/66B€2k€12k▲
Recurring financial charges65€2k€12k▲
Profit (loss) for the period before taxes9903€257k€350k▲
Income taxes67/77€84k€117k▲
Profit (loss) for the period9904€172k€233k▲
Profit (loss) for the period to be appropriated9905€172k€233k▲
Appropriation of the result
Profit (loss) to be appropriated9906€172k€233k▲
Transfer from equity791/2€80k€87k▲
Transfer to equity691/2€172k€233k▲
To other reserves6921€172k€233k▲
Profit to be distributed694/7€80k€87k▲
Return on contributions (dividend)694€80k€87k▲
Social balance
Average headcount (FTE)90873.02.4▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €233k ▲35%
Operating result €326k, net result €233k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲15.4%
8 profitable years in a row build equity to €1.09M.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 12.80
Current ratio from 4.37 to 12.80; short-term debt falls from €121k to €48k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Veurne · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Nieuwstraat 28630 VeurneGround area
340 m²
Building footprint
570 m²
Volume, LiDAR
6,437 m³
Parcel 38025A0575/00C000, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
HAELEWYCK VERZEKERINGEN BVBA
since 20112.202.914.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0575/00C000 | Flanders | 340 m² | 1 · 570 m² | 20.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,694 EUR awarded · 2,694 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 98 EUR | 98 EUR |
| 2024 | 1 | 98 EUR | 98 EUR |
| 2023 | 1 | 600 EUR | 600 EUR |
| 2022 | 1 | 1,898 EUR | 1,898 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900ZBLOBPELTWG896
Similar companies · same sector, comparable size
VERONDEX
BE 0441.616.749
Roosdaal · Eq €1.09M
Hans van Hest
BE 0894.449.470
Leuven · Eq €1.09M
Meilleurtaux
BE 0890.976.177
Fléron · Eq €1.09M
AGIFRA NAMUR
BE 0441.417.603
Namur · Eq €1.09M
ANNE STEVENS ASSURANCES
BE 0878.276.996
Tournai · Eq €1.10M
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,117 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2010
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.