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LAVAERT-DELAERE

Active Risk: not assessed
Private limited companyfounded 2007active for 18 yearsTalpenhoekstraat(Aal) 35, 8511 Kortrijk, BelgiumKBO/BCE: BE 0893.845.991
Summary

LAVAERT-DELAERE 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 €1.0m and a net result of €88,414. Equity has been growing by about 19% per year since 2018. Its solvency ranks better than 75% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.

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LAVAERT-DELAEREActive
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Overview

Official details

Source: KBO
Status
Active since 27-11-2007 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.166.926.055 8511 Kortrijk, since 01-01-2008
Financial year end
31 December
Peppol
Reachable since 06-01-2026
Company details

Board and ownership

Board
Holdings
Shares in 1 company KORAAL FINANCE
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€88,414
▼ 48.7%
Equity
€1.0m
▼ 11.1%
Total assets
€1.5m
▼ 3.4%
  • 2025 accounts filed 31 days after the deadline
Financials
Signalsraises risk2025 accounts filed 31 days lateShow 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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Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
92 days late
2023
61 days late
2022
31 days late
2021
31 days late
2020
31 days late
2019
87 days late
← 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 52 days 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 31 August (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 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

  • Caution: Result fell in 2025from €172,254 to €88,414 ▼ 48.7% View
  • Positive: More equity than 82% of companies in auxiliary financial servicessector median €252,625 · 1,853 companies €1.0m View
  • Positive: 7 profitable years in a rowprofit 2025: €88,414 7 years View

Recent changes

  1. · Gazette deed Appointments: LAVAERT Gunther André (director) and DELAERE Veerle (director)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as LAVAERT-DELAERE: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €1.2m and €1.7m, founded between 2006 and 2012.

CompanyTotal assetsGross margin
LAVAERT-DELAERE Kortrijk€1.5m€0.2m
BERGMANS Lommel€1.7m€0.2m
BOURGEOIS ZAKENKANTOOR Deerlijk€1.5m€0.2m
S.VD Kortemark€1.3m€0.1m
VERZEKERINGEN KERREMANS Mechelen€1.2m€0.2m
BALKAYA GROUP Schaarbeek€1.6m€0.2m
WAP INSURANCE Chièvres€1.3m€0.1m
Full comparison

Key facts about LAVAERT-DELAERE
What is the company number of LAVAERT-DELAERE?
The company number of LAVAERT-DELAERE is 0893.845.991. The VAT number is the same number with BE in front: BE 0893.845.991.
Where is LAVAERT-DELAERE based?
The registered office is at Talpenhoekstraat(Aal) 35, 8511 Kortrijk.Company details
What does LAVAERT-DELAERE do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of LAVAERT-DELAERE?
The legal form of LAVAERT-DELAERE is Private limited company (BV).
When was LAVAERT-DELAERE founded?
LAVAERT-DELAERE was founded on 27-11-2007.
Is LAVAERT-DELAERE still active?
Yes, LAVAERT-DELAERE is an active enterprise in the KBO register.
What is the turnover of LAVAERT-DELAERE?
The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €161,191 and 31 comparable companies (NACE 66220). It probably lies between €250,000 and €410,000.Financials
Is LAVAERT-DELAERE profitable?
In financial year 2025, LAVAERT-DELAERE made a profit of €88,414.
Where can I find the annual accounts of LAVAERT-DELAERE?
LAVAERT-DELAERE filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of LAVAERT-DELAERE due?
LAVAERT-DELAERE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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