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HYPOCONNECT

Active
Public limited companyfounded 2006active for 20 yearsBischoffsheimlaan 33, 1000 Brussel, Belgium61 active companies are registered at this addressKBO/BCE: BE 0879.105.951
Summary

HYPOCONNECT 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 €184,389 and a net result of €119,264. Equity is shrinking by about 15% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2028. Its solvency ranks better than 20% of 1,844 sector peers (NACE 66, financial year 2025). The company has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Insurance agents and brokers
NACE 66220Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199
1 site
Size
€2.8mturnover 2025
Staff
6.4 FTE
Equity
€184,389
Profit
€119,264
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Parent
PATRONALE LIFE · 100%
Board
4 members
Holdings
1
Auditor: BV PwC Bedrijfsrevisoren2025 accounts 60 days early
Signalsraises riskWeak solvency vs sectorlowers riskGrowing equityneutralLatest 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.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Three signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1844 sector peers (2025).
NBB · sector comparison
Position among 1844 sector peers
Solvency
better than 20%
← weakest strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €184,389
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 days early
2024
71 days early
2023
89 days early
2022
33 days early
2021
264 days late
2020
171 days late
2019
17 days 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 24 days after 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 (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 1 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Resignation: EY Bedrijfsrevisoren BV (statutory auditor)Appointment: PwC Bedrijfsrevisoren BV (statutory…
  3. Back to profitnet €119,264

Financials · financial year 2025, abbreviated format

Equity
€184,389▲ 183%
2024 · €65,125
Net result
€119,264
2024 · -€26,094
Total assets
€1.7m▼ 2.5%
2024 · €1.8m
Solvency
10.6%▲ 6.9pp
2024 · 3.6%
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result recovers in 2025; 2025 is 6.7 times 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Turnover€2.8m 2025 Operating result€0.2m 2025 Net result€0.1m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable unfavourable
Line20182019202020212022202320242025
Turnover€2.4m-€2.8m▲ 16.8%€2.7m▼ 1.7%€2.9m▲ 8.3%€2.8m▼ 4.2%€2.9m▲ 4.1%€2.3m▼ 21.6%€2.8m▲ 20.2%
Operating result-€0.2m--€0.03m▲ 89.6%€0.04m€0.02m▼ 52.4%-€0.3m€0.08m€0.03m▼ 64.1%€0.2m▲ 568%
Net result-€0.3m--€0.05m▲ 80.1%€0.01mwithin the sector's middle half€0.001mbelow the sector's middle half▼ 92.7%-€0.3mbelow the sector's middle half€0.06mwithin the sector's middle half-€0.03mbelow the sector's middle half€0.1mwithin the sector's middle half
Equity€0.4m-€0.3m▼ 13.2%€0.4mwithin the sector's middle half▲ 4.3%€0.4mwithin the sector's middle half▲ 0.3%€0.03mbelow the sector's middle half▼ 91.9%€0.09mbelow the sector's middle half▲ 213%€0.07mbelow the sector's middle half▼ 28.6%€0.2mwithin the sector's middle half▲ 183%
Total assets€1.4m-€1.6m▲ 14.6%€1.4mwithin the sector's middle half▼ 16.8%€1.3mwithin the sector's middle half▼ 0.8%€0.7mwithin the sector's middle half▼ 47.9%€0.6mwithin the sector's middle half▼ 8.3%€1.8mwithin the sector's middle half▲ 179%€1.7mwithin the sector's middle half▼ 2.5%
Debt€1.0m-€1.3m▲ 25.4%€1.0m▼ 22.5%€1.0m▼ 1.2%€0.7m▼ 31.6%€0.5m▼ 17.9%€1.7m▲ 213%€1.6m▼ 9.5%
Working capital€0.3m-€0.4m▲ 7.7%€0.5mabove the sector's middle half▲ 39.1%€0.6mabove the sector's middle half▲ 7.5%€0.09mwithin the sector's middle half▼ 83.2%€0.4mabove the sector's middle half▲ 325%€0.3mwithin the sector's middle half▼ 25.5%€0.2mwithin the sector's middle half▼ 37.4%
Solvency28.0%-21.2%▼ 6.8pp26.6%within the sector's middle half▲ 5.4pp26.9%within the sector's middle half▲ 0.3pp4.2%below the sector's middle half▼ 22.7pp14.2%below the sector's middle half▲ 10.1pp3.6%below the sector's middle half▼ 10.6pp10.6%below the sector's middle half▲ 6.9pp
Current ratio1.69-1.45▼ 0.241.98within the sector's middle half▲ 0.531.92within the sector's middle half▼ 0.071.17within the sector's middle half▼ 0.753.13within the sector's middle half▲ 1.961.70within the sector's middle half▼ 1.421.37within the sector's middle half▼ 0.34
Return on assets (ROA)-18.5%--3.2%▲ 15.3pp1.1%below the sector's middle half▲ 4.3pp0.1%below the sector's middle half▼ 1.0pp-47.4%below the sector's middle half▼ 47.5pp9.7%within the sector's middle half▲ 57.1pp-1.5%below the sector's middle half▼ 11.2pp6.8%within the sector's middle half▲ 8.3pp
Staff (FTE)10-10.6▲ 6.0%10.3above the sector's middle half▼ 2.8%9.2above the sector's middle half▼ 10.7%10.8above the sector's middle half▲ 17.4%9.2above the sector's middle half▼ 14.8%6.8above the sector's middle half▼ 26.1%6.4within the sector's middle half▼ 5.9%
above within below the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets €1.0m ▼ 1.8%
Current assets €695,129 ▼ 3.5%
Equity and liabilities €1.7m
Equity €184,389 ▲ 183%
Debt €1.6m ▼ 9.5%
Debt's share of the balance-sheet total falls from 96.4% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
64.7%▲
2024 · -40.1%
Debt ≤ 1 year
€508,748▲
2024 · €422,834
Debt > 1 year
€1.0m▼
2024 · €1.3m
Income taxes
€2,197
Staff costs
€642,908▲
2024 · €616,831
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.8m€1.7m▼
Fixed assets21/28€1.1m€1.0m▼
Intangible fixed assets21€0.01m€0.001m▼
Tangible fixed assets22/27€0.01m€422▼
Furniture and vehicles24€0.01m€422▼
Financial fixed assets28€1.0m€1.0m=
Current assets29/58€0.7m€0.7m▼
Amounts receivable within one year40/41€0.4m€0.3m▼
Trade receivables40€0.4m€0.3m▼
Other amounts receivable41-€0.008m
Cash at bank and in hand54/58€0.3m€0.4m▲
Deferred charges and accrued income490/1€0.02m€0.01m▼
Equity and liabilities
Total equity and liabilities10/49€1.8m€1.7m▼
Equity10/15€0.07m€0.2m▲
Contributions10/11€0.6m€0.6m=
Capital10€0.3m€0.3m=
Issued capital100€0.3m€0.3m=
Contributions outside capital11€0.2m€0.2m=
Share premium1100/10€0.2m€0.2m=
Reserves13-€0.02m
Non-distributable reserves130/1-€0.02m
Legal reserve130-€0.02m
Profit (loss) carried forward14-€0.5m-€0.4m▲
Amounts payable17/49€1.7m€1.6m▼
Amounts payable after more than one year17€1.3m€1.0m▼
Financial debts170/4€1.3m€1.0m▼
Amounts payable within one year42/48€0.4m€0.5m▲
Current portion of amounts payable after more than one year42€0.1m€0.3m▲
Trade debts44€0.3m€0.2m▼
Suppliers440/4€0.3m€0.2m▼
Taxes, remuneration and social security45€0.06m€0.09m▲
Taxes450/3-€0.02m
Remuneration and social security454/9€0.06m€0.07m▲
Accrued charges and deferred income492/3€0.05m€0.05m▼
Income statement Code20242025
Turnover70€2.3m€2.8m▲
Non-recurring operating income76A-€0.004m
Goods, raw materials, services and sundry goods60/61€1.6m€2.0m▲
Remuneration, social security and pensions62€0.6m€0.6m▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.03m€0.01m▼
Other operating charges640/8€0.001m€0.001m▲
Gross operating margin9900€0.7m€0.8m▲
Operating profit (loss)9901€0.03m€0.2m▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€0.06m€0.07m▲
Recurring financial charges65€0.06m€0.07m▲
Non-recurring financial charges66B€92-
Profit (loss) for the period before taxes9903-€0.03m€0.1m▲
Income taxes67/77-€0.002m
Profit (loss) for the period9904-€0.03m€0.1m▲
Profit (loss) for the period to be appropriated9905-€0.03m€0.1m▲
Appropriation of the result
Profit (loss) to be appropriated9906-€0.5m-€0.4m▲
Profit (loss) brought forward from the previous period14P-€0.5m-€0.5m▼
Transfer to equity691/2-€0.02m
To the legal reserve6920-€0.02m
Social balance sheet
Average headcount (FTE)90876.86.4▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Turnover70€2.4m€2.8m€2.7m€2.9m€2.8m€2.9m€2.3m€2.8m▲ 20.2%
Non-recurring operating income76A-------€0.004m-
Goods, raw materials, services and sundry goods60/61---€2.1m€2.3m€2.0m€1.6m€2.0m▲ 20.7%
Remuneration, social security and pensions62---€0.7m€0.7m€0.8m€0.6m€0.6m▲ 4.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.1m€0.1m€0.2m€0.2m€0.1m€0.03m€0.03m€0.01m▼ 66.8%
Other operating charges640/8---€0.001m€0.008m€0.005m€0.001m€0.001m▲ 73.0%
Gross operating margin9900€0.5m€0.8m€0.9m€0.9m€0.6m€0.9m€0.7m€0.8m▲ 24.9%
Operating profit (loss)9901-€0.2m-€0.03m€0.04m€0.02m-€0.3m€0.08m€0.03m€0.2m▲ 568%
Financial income75/76B---€0.005m--€0€0▼ 96.8%
Recurring financial income75€0.01m€0.01m€0.009m€0.005m--€0€0▼ 96.8%
Financial charges65/66B---€0.02m€0.02m€0.02m€0.06m€0.07m▲ 31.5%
Recurring financial charges65€0.02m€0.04m€0.03m€0.02m€0.02m€0.02m€0.06m€0.07m▲ 31.8%
Non-recurring financial charges66B----€0.001m-€92--
Profit (loss) for the period before taxes9903-€0.3m-€0.05m€0.02m€0.003m-€0.3m€0.06m-€0.03m€0.1m-
Income taxes67/77€0.009m€0.002m€0.001m€0.002m€0.003m-€100-€0.002m-
Profit (loss) for the period9904-€0.3m-€0.05m€0.01m€0.001m-€0.3m€0.06m-€0.03m€0.1m-
Profit (loss) for the period to be appropriated9905-€0.3m-€0.05m€0.01m€0.001m-€0.3m€0.06m-€0.03m€0.1m-
Line20182019202020212022202320242025Change
Assets
Total assets20/58€1.4m€1.6m€1.4m€1.3m€0.7m€0.6m€1.8m€1.7m▼ 2.5%
Fixed assets21/28€0.6m€0.4m€0.3m€0.2m€0.05m€0.05m€1.1m€1.0m▼ 1.8%
Intangible fixed assets21€0.6m€0.4m€0.3m€0.2m€0.04m€0.02m€0.01m€0.001m▼ 88.4%
Tangible fixed assets22/27€0.002m€0.001m€0.001m€0.004m€0.004m€0.03m€0.01m€422▼ 95.7%
Furniture and vehicles24---€0.004m€0.004m€0.03m€0.01m€422▼ 95.7%
Financial fixed assets28------€1.0m€1.0m=
Current assets29/58€0.9m€1.2m€1.1m€1.2m€0.7m€0.6m€0.7m€0.7m▼ 3.5%
Amounts receivable within one year40/41€0.4m€0.8m€0.9m€0.8m€0.4m€0.3m€0.4m€0.3m▼ 22.0%
Trade receivables40---€0.8m€0.4m€0.3m€0.4m€0.3m▼ 24.0%
Other amounts receivable41---€0.003m€8--€0.008m-
Current investments50/53€0.3m€0.3m-------
Cash at bank and in hand54/58€0.2m€0.1m€0.2m€0.3m€0.2m€0.3m€0.3m€0.4m▲ 20.1%
Deferred charges and accrued income490/1---€0.02m€0.02m€0.02m€0.02m€0.01m▼ 8.9%
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.6m€1.4m€1.3m€0.7m€0.6m€1.8m€1.7m▼ 2.5%
Equity10/15€0.4m€0.3m€0.4m€0.4m€0.03m€0.09m€0.07m€0.2m▲ 183%
Contributions10/11€0.3m€0.3m€0.3m€0.6m€0.6m€0.6m€0.6m€0.6m=
Capital10---€0.3m€0.3m€0.3m€0.3m€0.3m=
Issued capital100---€0.3m€0.3m€0.3m€0.3m€0.3m=
Contributions outside capital11---€0.2m€0.2m€0.2m€0.2m€0.2m=
Share premium1100/10---€0.2m€0.2m€0.2m€0.2m€0.2m=
Reserves13-------€0.02m-
Non-distributable reserves130/1-------€0.02m-
Legal reserve130-------€0.02m-
Profit (loss) carried forward14-€0.2m-€0.2m-€0.2m-€0.2m-€0.5m-€0.5m-€0.5m-€0.4m▲ 20.8%
Amounts payable17/49€1.0m€1.3m€1.0m€1.0m€0.7m€0.5m€1.7m€1.6m▼ 9.5%
Amounts payable after more than one year17€0.5m€0.4m€0.4m€0.4m€0.1m€0.4m€1.3m€1.0m▼ 20.0%
Financial debts170/4---€0.4m€0.1m€0.4m€1.3m€1.0m▼ 20.0%
Amounts payable within one year42/48€0.5m€0.8m€0.5m€0.6m€0.6m€0.2m€0.4m€0.5m▲ 20.3%
Current portion of amounts payable after more than one year42---€0.08m€0.3m-€0.1m€0.3m▲ 150%
Trade debts44€0.3m€0.4m€0.4m€0.5m€0.2m€0.1m€0.3m€0.2m▼ 34.3%
Suppliers440/4---€0.5m€0.2m€0.1m€0.3m€0.2m▼ 34.3%
Taxes, remuneration and social security45---€0.06m€0.07m€0.06m€0.06m€0.09m▲ 39.8%
Taxes450/3----€0.001m--€0.02m-
Remuneration and social security454/9---€0.06m€0.07m€0.06m€0.06m€0.07m▲ 6.7%
Accrued charges and deferred income492/3---€0.02m€0.01m€0.01m€0.05m€0.05m▼ 0.5%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904-€0.3m-€0.05m€0.01m€0.001m-€0.3m€0.06m-€0.03m€0.1m-
+ Depreciation and write-downs630€0.1m€0.1m€0.2m€0.2m€0.1m€0.03m€0.03m€0.01m▼ 66.8%
Operating cash flow (approximation)-€0.1m€0.1m€0.2m€0.2m-€0.2m€0.09m€0.007m€0.1m▲ 18×
Investment in fixed assets (approximation)--€347-€0.04m-€0.03m-€0.005m-€0.04m-€1.0m€0.009m-
Change in cash--€0.03m€0.03m€0.1m-€0.1m€0.1m-€0.009m€0.06m-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 19 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 abbreviated format 01-06-2026 2026-00135788
31-12-2024 abbreviated format 21-05-2025 2025-00101696
31-12-2023 abbreviated format 03-05-2024 2024-00082575
31-12-2022 abbreviated format 28-06-2023 2023-00185004
31-12-2021 abbreviated format 21-04-2023 2023-00063789
31-12-2020 abbreviated format 18-01-2022 2022-01100506
31-12-2019 abbreviated format 14-07-2020 2020-30000010
31-12-2018 abbreviated format 05-08-2019 2019-44200063
31-12-2017 abbreviated format 13-09-2018 2018-63500279
31-12-2016 abbreviated format 12-07-2017 2017-31400563

Show all 19 filings

Similar companies · same sector, comparable size

Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,217. 2,815 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
under verification, no change since 2024
This board is reconstructed from a single act (24097206). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

Board 4

PATRONALE LIFE
Voorzitter van het college van zaakvoerders · since 01-04-2013 · Director · since 09-06-2011 · Public limited company · permanent representative: Filip Moeykens
Current
Johan VANDENBERGHE
Director · since 30-01-2018
Current
Oliver Auvray
Director · since 29-03-2024
Current
Patronale Group NV
Director · since 02-08-2023 · Legal entity · from a recent deed
Current
4 not recently confirmed
Still in office according to the deeds, but no deed of the last six years confirms the mandate. Mandates like this have often ended since, in a deed we have not read yet.
PATRONALE LIFE, AFGEKORT : PATRONALE
Chair of the board · since 30-01-2018 · Director · since 30-01-2018 · Legal entity · permanent representative: Filip MOEYKENS
Not recently confirmed
BVBA FORTAM CONSULTING
Manager · since 01-04-2013 · Legal entity · permanent representative: Hans VAN CAMPFORT
Not recently confirmed
FUENTES MANAGEMENT & CONSULTING BVBA
Manager · since 01-04-2013 · Legal entity · permanent representative: Erik LAENEN
Not recently confirmed
Olivier AUVRAY
Director · since 30-01-2018
Not recently confirmed

Day-to-day management 1

Johan VANDENBERGHE
Managing director · since 30-01-2018
Not recently confirmed

Permanent representatives 1

Filip Moeykens
Permanent representative · since 09-06-2011 · for PATRONALE LIFE
Current
3 not recently confirmed
Still in office according to the deeds, but no deed of the last six years confirms the mandate. Mandates like this have often ended since, in a deed we have not read yet.
Erik LAENEN
Permanent representative · since 01-04-2013 · for FUENTES MANAGEMENT & CONSULTING BVBA
Not recently confirmed
Hans VAN CAMPFORT
Permanent representative · since 01-04-2013 · for BVBA FORTAM CONSULTING
Not recently confirmed
Jan OTTOY
Permanent representative · since 19-11-2019
Not recently confirmed

Statutory auditor 1

BV PwC Bedrijfsrevisoren
Statutory auditor · since 11-05-2026 · permanent representative: William Rutten
Current
"From a recent act": read from a Gazette act not yet processed into our list of directors.
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

21 people since 2009, 10 in office
Show
  • Board
  • Day-to-day management
  • Permanent representative
  • Statutory auditor
  • not recently confirmed
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
PATRONALE LIFE
  • Manager, from 09-06-2011 to date
  • Voorzitter van het college van zaakvoerders, from 01-04-2013 not ended, last confirmed 04-09-2013
Johan VANDENBERGHE
  • Manager, from 21-09-2016 to 30-01-2018
  • Director, from 30-01-2018 to date
  • Managing director, from 30-01-2018 not ended, last confirmed 22-02-2018
Patronale Group NVfrom an act
  • Director, from 02-08-2023 to date
Oliver Auvray
  • Director, since before 29-03-2024
BV PwC Bedrijfsrevisoren
  • Statutory auditor, from 11-05-2026 to date
BVBA FORTAM CONSULTING
  • Manager, from 01-04-2013 not ended, last confirmed 04-09-2013
FUENTES MANAGEMENT & CONSULTING BVBA
  • Manager, from 01-04-2013 not ended, last confirmed 04-09-2013
Olivier AUVRAY
  • Manager, from 01-01-2015 to 24-06-2016
  • Manager, until 30-01-2018
  • Director, from 30-01-2018 not ended, last confirmed 22-02-2018
PATRONALE LIFE, AFGEKORT : PATRONALE
  • Manager, until 24-06-2016
  • Chair of the board, from 30-01-2018 not ended, last confirmed 22-02-2018
  • Director, from 30-01-2018 not ended, last confirmed 22-02-2018
Jan OTTOY
  • Permanent representative, from 19-11-2019 not ended, last confirmed 19-03-2020
EY Bedrijfsrevisoren BV
  • Statutory auditor, from 03-06-2019 to 11-05-2026
ALTRO FINANCE & INSURANCE
  • Director, from 30-01-2018 to 15-01-2021
DEJEAN Dominique
  • Permanent representative, until 11-03-2020
Hans Van Campfort
  • Manager, from 24-06-2016 to 30-01-2018
  • Voorzitter van het college van zaakvoerders, from 03-10-2016 ended, last mentioned 24-10-2016
Olivier NOKERMAN
  • Manager, from 21-09-2016 to 30-01-2018
SkinPros
  • Manager, until 24-06-2016
Stradeq SA
  • Manager, from 09-06-2011 to 01-07-2012
Etienne Nevens
  • Manager, until 28-04-2009
  • Manager, until 09-06-2011
Filip Moeykens
  • Manager, from 28-09-2009 to 09-06-2011
Hans VERMEULEN
  • Manager, until 28-09-2009
Sociale Investeringsmaatschappij voor Vlaanderen
  • Manager, until 28-04-2009
See the board, name and registered office on a given date →

Owners and capital

Owners

1 owner

Chain of control

  1. PATRONALE LIFE 100%
  2. HYPOCONNECT

Highest known parent: PATRONALE LIFE. The sources do not say who stands above it.

According to the 2025 annual accounts of HYPOCONNECT and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Capital and shareholders

Capital over the years
  1. 19-12-2023 Capital stated in the deed · €320,000 · 3,200 shares
  2. 22-02-2018 Capital increase of €80,000 · to €320,000 · 800 new shares

Group and network

Part of the group PATRONALE LIFE 64 companies Group, risk and exposure

Holdings and subsidiaries

1 holding

Holdings 1

According to the 2025 annual accounts of HYPOCONNECT and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Connections & network

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History

HYPOCONNECT was incorporated on 2 February 2006.1 In 2018 the company took the name HypoConnect.2 The registered office was moved to Brussel in 2018.3 In 2018 the capital was increased by €80,000 to €320,000.2 Total assets rose from €1.4m in 2018 to €1.7m in 2025 and headcount from 10 to 6.4 full-time equivalents.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 22-02-2018
  3. 3Belgian Official Gazette, 25-06-2018
  4. 4National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
01-06
NBB filing Annual accounts filed
financial year 2025 · abbreviated format
11-05
Gazette deed Resignation: EY Bedrijfsrevisoren BV (statutory auditor)
Appointment: PwC Bedrijfsrevisoren BV (statutory auditor) · Permanent representative: William Rutten · Director discharge5 facts ▸
  • General meeting, 27-03-2026
  • Auditor resignation, EY Bedrijfsrevisoren BV (statutory auditor)
  • Director discharge, EY Bedrijfsrevisoren BV (statutory auditor)
  • Auditor appointment, PwC Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, William Rutten
2025
31-12
Financial Back to profitnet €119,264
Net result €119,264 after one loss-making year.
31-12
Financial Equity above €150,000equity €184,389 ▲183%
Equity rises from €65,125 to €184,389.
21-05
NBB filing Annual accounts filed
financial year 2024 · abbreviated format
02-05
Gazette deed Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)
3 facts ▸
  • General meeting, 28-03-2023
  • Auditor reappointment, EY Bedrijfsrevisoren BV (statutory auditor)
  • Other provision, “stemming besluiten, eenparigheid van stemmen” (deed in Dutch)
2024
28-06
Gazette deed Reappointments: Patronale Life NV, Johan Vandenberghe and Oliver Auvray
Permanent representative: Filip Moeykens6 facts ▸
  • General meeting, 29-03-2024
  • Director reappointment, Patronale Life NV (director)
  • Permanent representative, Filip Moeykens
  • Director reappointment, Johan Vandenberghe (director)
  • Director reappointment, Oliver Auvray (director)
  • Other provision, “stemresultaat, eenparigheid van stemmen” (deed in Dutch)
03-05
NBB filing Annual accounts filed
financial year 2023 · abbreviated format
2023
31-12
Financial Back to profitnet €62,103
Net result €62,103 after one loss-making year.
31-12
Financial Liquidity more than doubledcurrent ratio 3.13
Current ratio from 1.17 to 3.13; short-term debt falls from €557,554 to €187,735.
19-12
Gazette deed Amendment of the articles
Capital · Registered office clause4 facts ▸
  • General meeting, “buitengewone algemene vergadering van aandeelhouders” (deed in Dutch)
  • Amendment of the articles
  • Capital, €320,000
  • Registered office clause, “Bischoffsheimlaan 33,1000 Brussel, VIJFDE BESLISSING” (deed in Dutch)
11-10
Gazette deed Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)
2 facts ▸
  • General meeting, 21-04-2023
  • Auditor reappointment, EY Bedrijfsrevisoren BV (statutory auditor)
Show earlier events
02-08
Gazette deed Miscellaneous
Appointment: Patronale Group NV (director) · Permanent representative: Filip MOEYKENS · Merger7 facts ▸
  • Board meeting, 08-06-2023
  • Merger, “geruisloze fusie, integrale overname” (deed in Dutch)
  • Shareholding, “100% dochtervennootschap”, 100 (deed in Dutch)
  • Director appointment, Patronale Group NV (director)
  • Name change, Patronale Life NV
  • Permanent representative, Filip MOEYKENS
  • Other provision, “publicatie aanpassingen, Bijlagen tot het Belgisch Staatsblad” (deed in Dutch)
28-06
NBB filing Annual accounts filed
financial year 2022 · abbreviated format
21-04
NBB filing Annual accounts filed
financial year 2021 · abbreviated format · 264 days late
2022
31-12
Financial Weakest financial yearnet -€331,252
Net result drops to -€331,252, the lowest in the series; recovery starts the following year.
18-01
NBB filing Annual accounts filed
financial year 2020 · abbreviated format · 171 days late
2021
09-03
Gazette deed Resignation: Altro Finance & Insurance (director)
2 facts ▸
  • General meeting, 15-01-2021
  • Director resignation, Altro Finance & Insurance (director)
2020
31-12
Financial Back to profitnet €14,939
Net result €14,939 after 2 loss-making years.
14-07
NBB filing Annual accounts filed
financial year 2019 · abbreviated format
19-03
Gazette deed Resignation: Dominique Dejean (permanent representative)
Appointment: Jan Ottoy (permanent representative)3 facts ▸
  • Board meeting, 19-11-2019
  • Director resignation, Dominique Dejean (permanent representative)
  • Director appointment, Jan Ottoy (permanent representative)
2019
02-09
Gazette deed Appointment: EY Bedrijfsrevisoren (statutory auditor)
Resignation: HypoConnect (statutory auditor) · Mandate compensation4 facts ▸
  • General meeting, 03-06-2019
  • Auditor appointment, EY Bedrijfsrevisoren (statutory auditor)
  • Mandate compensation, EY Bedrijfsrevisoren
  • Auditor resignation, HypoConnect
05-08
NBB filing Annual accounts filed
financial year 2018 · abbreviated format · 5 days late
2018
13-09
NBB filing Annual accounts filed
financial year 2017 · abbreviated format · 44 days late
25-06
Gazette deed Registered office
Registered-office move2 facts ▸
  • Board meeting, 14-05-2018
  • Registered-office move, Bischoffsheimlaan 33, 1000 Brussel
22-02
Gazette deed Resignations: Hans VAN CAMPFORT, Olivier NOKERMAN and 2 others
Appointments: Johan VANDENBERGHE, PATRONALE LIFE and 2 others · Permanent representatives: Filip MOEYKENS and Dominique DEJEAN · Name change20 facts ▸
  • General meeting, 30-01-2018
  • Name change, HypoConnect
  • Capital increase, €80,000
  • Reserve creation, 242243, “Uitgiftepremie” (deed in Dutch)
  • Legal-form conversion, “naamloze vennootschap” (deed in Dutch)
  • Capital, €320,000
  • Director resignation, Hans VAN CAMPFORT (manager)
  • Director resignation, Olivier NOKERMAN (manager)
  • Director resignation, Johan VANDENBERGHE (manager)
  • Director resignation, Olivier AUVRAY (manager)
  • Director appointment, Johan VANDENBERGHE (director)
  • Director appointment, Johan VANDENBERGHE (managing director)
  • +8 further facts in this act
2017
12-07
NBB filing Annual accounts filed
financial year 2016 · abbreviated format
2016
24-10
Gazette deed Appointments: Johan Vandenberghe, Olivier Nokerman and Hans Van Campfort
5 facts ▸
  • General meeting, 21-09-2016
  • Director appointment, Johan Vandenberghe (manager)
  • Director appointment, Olivier Nokerman (manager)
  • Board meeting, 03-10-2016
  • Director appointment, Hans Van Campfort (voorzitter van het college van zaakvoerders)
14-07
Gazette deed Resignations: PATRONALE LIFE, Olivier Jules AUVRAY and 2 others
Appointment: Hans VAN CAMPFORT (manager) · Purpose change · Amendment of the articles11 facts ▸
  • General meeting, 28-06-2016
  • Purpose change, “De vennootschap heeft tot doel in België en in het buitenland, uitsluitend in eigen naam en voor eigen rekening: Het verrichten van activiteiten van verzekering…” (deed in Dutch)
  • Amendment of the articles
  • Director resignation, PATRONALE LIFE (manager)
  • Director resignation, Olivier Jules AUVRAY (manager)
  • Director resignation, FUENTES MANAGEMENT & CONSULTING (manager)
  • Director resignation, FORTAM CONSULTING (manager)
  • Director appointment, Hans VAN CAMPFORT (manager)
  • Mandate compensation, Hans VAN CAMPFORT
  • Power of attorney, Hans VAN CAMPFORT
  • Power of attorney, Eric Jacobs
11-04
Gazette deed Purpose
Purpose change · Amendment of the articles3 facts ▸
  • General meeting, 23-03-2016
  • Purpose change, “Het optreden als agent, makelaar, commissionair, tussenpersoon of in een andere hoedanigheid die de heersende wetgevingen in dit verband toestaan, voor een bank…” (deed in Dutch)
  • Amendment of the articles
2015
22-01
Gazette deed Appointment: Olivier AUVRAY (manager)
2 facts ▸
  • General meeting, 09-12-2014
  • Director appointment, Olivier AUVRAY (manager)
2013
04-09
Gazette deed Appointments: FORTAM CONSULTING BVBA, FUENTES MANAGEMENT & CONSULTING BVBA and Patronale Life NV
Permanent representatives: Hans VAN CAMPFORT, Erik LAENEN and Filip MOEYKENS · Resignation: SA STRADEQ (manager) · Director discharge9 facts ▸
  • General meeting, 01-04-2013
  • Director appointment, FORTAM CONSULTING BVBA (manager)
  • Permanent representative, Hans VAN CAMPFORT
  • Director appointment, FUENTES MANAGEMENT & CONSULTING BVBA (manager)
  • Permanent representative, Erik LAENEN
  • Director resignation, SA STRADEQ (manager)
  • Director discharge, SA STRADEQ
  • Director appointment, Patronale Life NV (voorzitter van het college van zaakvoerders)
  • Permanent representative, Filip MOEYKENS
2011
24-06
Gazette deed Appointments: Stradeq SA (manager) and Patronale Life NV (manager)
Resignations: Etienne Nevens (manager) and Filip Moeykens (manager)5 facts ▸
  • General meeting, 09-06-2011
  • Director appointment, Stradeq SA (manager)
  • Director appointment, Patronale Life NV (manager)
  • Director resignation, Etienne Nevens (manager)
  • Director resignation, Filip Moeykens (manager)
2009
21-12
Gazette deed Resignation: Hans Vermeulen (manager)
Appointment: Filip Moeykens (manager)3 facts ▸
  • General meeting, 01-10-2009
  • Director resignation, Hans Vermeulen (manager)
  • Director appointment, Filip Moeykens (manager)
21-12
Gazette deed Resignations: Sociale Investeringsmaatschappij voor Vlaanderen (manager) and Etienne Nevens (manager)
Permanent representative: Willy Vanderstraeten4 facts ▸
  • General meeting, 30-06-2009
  • Director resignation, Sociale Investeringsmaatschappij voor Vlaanderen (manager)
  • Permanent representative, Willy Vanderstraeten
  • Director resignation, Etienne Nevens (manager)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 19 annual accounts filed, the latest 10 are here; all 19 are under Financials.
19 of 19 deeds read

Register details

Identification
Legal formPublic limited company
Founded02-02-2006
Financial year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
Contact
E-mail info@hypoconnect.be
Phone 02 511 60 06
E-invoicing
Reachable via Peppol
Peppol ID 0208:0879105951
Also 9925:BE0879105951

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 25 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Recognitions · licences · registrations

Legal Entity Identifier

549300ZTKLJOCHKBLQ12
live in the LEI register

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2006
registered office establishment The establishment unit on the map
Ground area
1,284 m²
Building footprint
1,036 m²
Building volume
19,795 m³
Parcel 21803C0382/00G000, Brussels · tallest building 26.4 m. Linked by address, not a title deed.
61 companies at this address See who is registered here
1 establishment unit
-
Bischoffsheimlaan 33, 1000 BrusselInsurance agents and brokers
since 2006unit no. 2.152.412.281
1 parcel
Brussels 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
21803C0382/00G000
ProtectedMonumentHuizen rond het BarricadenpleinSource ↗
Brussels 1,284 m² 1 · 1,036 m² 26.4 m · 7
How the parcels are linked
Good to know
The parcel matches the address exactly.
1 of these parcels carries protected heritage: expect extra rules on renovation or sale.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Het verrichten van activiteiten van verzekeringsbemiddeling die de heersende wetgevingen in dit verband toestaan, voor een bank…” (deed in Dutch)
4 activities (deed in Dutch)
  1. Het verrichten van activiteiten van verzekeringsbemiddeling die de heersende wetgevingen in dit verband toestaan, voor een bank, verzekeringsmaatschappij of andere financieringsvennootschap met het oog op het afsluiten van:
  2. Alle mogelijke leningen en kredieten, zowel hypothecaire als persoonlijke leningen, financieringen, ten aanzien van alle mogelijke maatschappijen en personen en met alle mogelijke waarborgen, zowel persoonlijke als zakelijke waarborgen, alsook alle hiermee rechtstreeks of onrechtstreeks aanverwante producten en verbintenissen;
  3. Alle verzekeringen aangaande alle mogelijke risico's, betreffende allerhande verzekerings- en herverzekeringscontracten en aanverwante producten en verbintenissen;
  4. Het verrichten van alle mogelijke bemiddelingen, tussenkomsten en adviesverleningen inzake leningen en kredieten, verzekeringen en geldplaatsingen.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
HYPOCONNECT
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Enkel besluit van bestuursorgaan, bestuursorgaan” (deed in Dutch)

deed of 19-12-2023

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Hoogstens zes jaar, 4” (deed in Dutch)

deed of 19-12-2023

Capital, shares and profit

Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
One provision in the deed

deed of 19-12-2023

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Friday of March at 16:00

deed of 19-12-2023

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Zoals inzake een statutenwijziging, algemene vergadering” (deed in Dutch)
“Vormen vereist voor statutenwijziging, beslissing algemene vergadering” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
One provision in the deed

deed of 19-12-2023

Other provisionsOther rules from the articles that fall under none of the themes above.

1 more provision in the deed, see the deed of 11-05-2026
Liquidation distribution: “Netto-actief in geld of effecten onder aandeelhouders naar verhouding aantal aandelen, mogelijkheid ontbinding en onmiddellijke sluiting in…” (deed in Dutch)
deed of 19-12-2023