Financials
- Financial year
- 2025
- Total assets
- €46.7m
- Loss
- -€7.3m
- Solvency
- 34.6%
Total assets▲ 25.8%
Net result
20212025
Howden Belgium
ActiveSummary
Howden Belgium 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 €16.2m and a net result of -€7.3m. Equity is shrinking by about 22% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 44% of 599 sector peers (NACE 66, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
Fastest staff growth in Flemish Brabant, Finance and insurance sector6 sites
Size
€46.7mtotal assets 2025
- Staff
- 37.4 FTE
- Equity
- €16.2m
- Loss
- -€7.3m
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Parent
- Howden Broking Group Ltd.
- Board
- 4 members
- Holdings
- 3
- Patrick De BaetsManaging director
Auditor: Ernst & Young BedrijfsrevisorenAccounts 35 days early
SignalsneutralLatest 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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
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 26-06-2026, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
35 days early
2024
42 days late
2023
1 day early
2022
45 days early
2021
74 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 23 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
- RestructuringPermanent representative: Wouter Van den…
- Capital & shares · RestructuringMerger · Shareholding · Accounting…
- Resignation: Louise Cable-Alexander (director)Appointment: Laurent Berckmans (director) ·…
Key points
- Risk: 5 loss-making years in a rowloss financial year 2025 -€7.3m View
- Caution: Among the weakest 5% on net resultsector median €115,003 · 600 companies -€7.3m View
- Controlled by Howden Broking Group Ltd.the company in turn controls 3 companies parent View
- Merger with DWELSHAUVERS ASSURANCESmerger on 16-07-2026 2026 View
- Caution: Result fell in 2025from -€5.3m to -€7.3m ▼ 37.2% View
- Board changedlatest change 14-07-2026 · 4 in office 1 joined · 1 left View
By topic
Board & ownership
- Board
- 4 members
- Parent
- Howden Broking Group Ltd.
- Auditor
- Ernst & Young Bedrijfsrevisoren
- AJG MANAGEMENTDirector
- VLADirector
- Enrico NanniDirector
- Laurent BerckmansDirector
Network & group
- Subsidiaries
- 3
- Connected companies
- 28
- Mergers and asset contributions
- 3
3 subsidiaries
Timeline
- Events
- 25
- Since
- 2020
- 26-06-2026Annual accounts filed
- 09-06-2026Restructuring
- 08-01-2026Appointment: Ernst & Young Bedrijfsrevisoren (statutory auditor)
Company details
- Sites
- 6
- Legal form
- Public limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 27-03-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 7
- Annual meeting
- First Wednesday of June at 11:00
- Purpose
- “Het uitoefenen van activiteiten van makelaar,gemachtigde,tussenpersoon,adviseur of…” (deed in Dutch)
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