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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphPalmers is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €610k and a net result of €4k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 43% of 227 sector peers (fiscal year 2024). The company has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 21-08-2025 | 21 d late | 2025-00389485 |
| 31-12-2023 | 31-07-2024 | 29-11-2024 | 121 d late | 2024-00606812 |
| 31-12-2022 | 31-07-2023 | 29-11-2024 | 487 d late | 2024-00606817 |
| 31-12-2021 | 31-07-2022 | 14-07-2023 | 348 d late | 2023-00236726 |
| 31-12-2020 | 31-07-2021 | 24-09-2021 | 55 d late | 2021-68200586 |
| 31-12-2019 | 31-07-2020 | 22-12-2020 | 144 d late | 2020-76600331 |
| 31-12-2018 | 31-07-2019 | 30-09-2019 | 61 d late | 2019-66500423 |
| 31-12-2017 | 31-07-2018 | 28-09-2018 | 59 d late | 2018-65400460 |
| 31-12-2016 | 31-07-2017 | 29-09-2017 | 60 d late | 2017-63600526 |
| 31-12-2015 | 31-07-2016 | 31-08-2016 | 31 d late | 2016-51700559 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 1981, 45 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 Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis 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.
Financials
Equity€610k+0.6%
Net result€4k-98.1%
Total assets€4.89M+54.4%
Solvency12.5%-6.7pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~20.3%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 12.5% | 21.3% | |
| Net result | €4k | €66k | |
| Equity | €610k | €128k | |
| Gross operating margin | €523k | €407k | |
| Staff costs | €259k | €353k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P43
Improving position over 2021-2024
· n=101-227
P25
Weakening position over 2021-2024
· n=101-227
P79
Improving position over 2021-2024
· n=101-227
P55
Stable position over 2021-2024
· n=101-226
Describes the position versus peers, not a forecast.
€4k
-98.1%
18-24
€4.89M
+54.4%
18-24
€610k
+0.6%
18-24
5
-2.1%
18-24
€259k
+14.2%
18-24
€83k
+521.0%
18-24
€0
-
18-24
€4.28M
+67.1%
18-24
€1.99M
+18.5%
18-24
€2.29M
+159.5%
18-24
12.5%
-34.8%
18-24
0.6%
-98.1%
18-24
0.1%
-98.8%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €4k |
| Cash flow | n/a |
| Staff costs | €259k |
| Income taxes | - |
| Dividends | - |
| Total assets | €4.89M |
| Equity | €610k |
| Debt | €4.28M |
| of which ≤ 1y | €1.99M |
| of which > 1y | €2.29M |
| Working capital | n/a |
| Employees (FTE) | 4.6 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 12.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 0.1% |
| ROE | 0.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €4.89M |
| Fixed assets | 21/28 | €1.32M |
| Intangible fixed assets | 21 | €1.31M |
| Tangible fixed assets | 22/27 | €8k |
| Financial fixed assets | 28 | €712 |
| Current assets | 29/58 | €3.57M |
| Amounts receivable within one year | 40/41 | €3.43M |
| Cash & bank | 54/58 | €170 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €4.89M |
| Equity | 10/15 | €610k |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €544k |
| Accumulated profits (losses) | 14 | €4k |
| Amounts payable | 17/49 | €4.28M |
| Amounts payable after one year | 17 | €2.29M |
| Amounts payable within one year | 42/48 | €1.99M |
| Trade debts payable within one year | 44 | €1.27M |
| Income statement | ||
| Gross operating margin | 9900 | €523k |
| Operating result | 9901 | €103k |
| Financial income | 75 | €39k |
| Financial charges | 65 | €138k |
| Result before taxes | 9903 | €4k |
| Net result for the period | 9904 | €4k |
| Result to be appropriated | 9905 | €4k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computedModel 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.
Directors
Directors & mandates
7 directorsCurrent directors & mandates
-
Current04-07-2025 → present
-
De Kassei ConsultingLegal entityDirector· perm. rep.: Davy ClaerhoutState Gazette act 26024769 (18-02-2026)Current04-07-2025 → present
-
Current21-09-2021 → present
-
Diep Immo Consulting NVLegal entityDirector· perm. rep.: Renatus GorissenState Gazette act 22026660 (25-02-2022)Current16-09-2015 → present
4 events
- 17-04-2021 Mandate renewed· Director
- 17-04-2021 Mandate renewed· Managing director
- 16-09-2015 Mandate renewed· Director
- 16-09-2015 Mandate renewed· Managing director
-
Current16-09-2015 → present
3 events
- 21-09-2021 Mandate renewed· Director
- 17-04-2021 Mandate renewed· Director
- 16-09-2015 Mandate renewed· Director
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Not recently confirmedlast confirmed in an act from 2015
Former directors (1)
-
Former17-04-2021 → 21-09-2021
2 events
- 21-09-2021 Resigned· Director
- 17-04-2021 Mandate renewed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Public limited company(014) |
| Incorporation | 01-04-1981 |
| Status | Active |
| Postal code | 3590 |
Structure & network
Connections & network
9 connected companiesGroup structure
Sits on the board · 8 subsidiaries · 1 location
Control→
Sits on the board · 4 subsidiaries · 1 location
Control→
Network connections
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
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Shared corporate director
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Shared corporate director
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Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
2 partiesControl over this companysits on this company's board2
8 subsidiaries · 1 location
4 subsidiaries · 1 location
controls
PalmersBE 0421.537.947
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerParcels1
Ground area263 m²
Buildings1
Building footprint188 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402D0074/00V000 | Flanders | 263 m² | 1 · 188 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
7 acts Company purpose
en Belgique et à l'étranger, pour compte propre ou pour compte de tiers, d'effectuer: a) Toutes opérations ayant trait au courtage en assurances, sous-assurances et réassurances de toute nature, à l'expertise de sinistres et au règlement de ceux-ci dans le cadre des assurances précitées, ainsi que toute prestation de services et de conseils concernant lesdites assurances. b) Toutes opérations relatives aux prêts, crédits et placements de fonds, notamment l'octroi de prêts et d'ouvertures de crédit à des sociétés et à des particuliers, sous quelque forme que ce soit; dans ce cadre, elle peut ac
Per act of 03-04-2026
All acts · 7
updated 4 months ago
2026
03-04-2026 Act object · Merger · Accounting effect · Tax qualification
- Filing: 2026-04-03 · AlliA Insurance Brokers
- Act object: PROJET DE FUSIONproposed
- Merger: type: absorption, decision_date: 2026-03-13proposed · Palmers
- Accounting effect: 2026-01-01proposed · Palmers
- Tax qualification: neutralité fiscale en matière d'impôt des sociétésproposed · Palmers
- Tax qualification: exonération des droits d'enregistrementproposed · Palmers
- Tax qualification: hors du champ d'application de la TVAproposed · Palmers
- Approval: reason: article 12:53 §6 du CSA, deadline: 2026-06-01proposed · Palmers
- Incorporation: 2012-12-06proposed · AlliA Insurance Brokers
- Incorporation: 1981-04-01proposed · Palmers
- Publication: 2026-04-03
- Purpose: en Belgique et à l'étranger, pour compte propre ou pour compte de tiers, d'effectuer: a) Toutes opérations ayant trait au courtage en assurances, sous-assurances et réassurances de toute nature, à l'expertise de sinistres et au règlement de ceux-ci dans le cadre des assurances précitées, ainsi que toute prestation de services et de conseils concernant lesdites assurances. b) Toutes opérations relatives aux prêts, crédits et placements de fonds, notamment l'octroi de prêts et d'ouvertures de crédit à des sociétés et à des particuliers, sous quelque forme que ce soit; dans ce cadre, elle peut ac
Summary:
Act object · Merger · Accounting effect · Tax qualification
03-04-2026 Act object · Board meeting · Merger · Accounting effect
- Filing: 2026-03-26 · AlliA Insurance Brokers
- Publication: 2026-04-03
- Act object: VOORSTEL GERUISLOZE FUSIEproposed
- Board meeting: 2026-03-13proposed · AlliA Insurance Brokers
- Board meeting: 2026-03-13proposed · Palmers
- Merger: date: 2026-03-13, type: silent mergerproposed · Palmers
- Accounting effect: 2026-01-01proposed · Palmers
- Association membership: 100%proposed · INSURANCE INVESTMENTS NV
- Association membership: 100%proposed · INSURANCE INVESTMENTS NV
- Tax qualification: fiscale neutraliteitproposed · AlliA Insurance Brokers
- Tax qualification: vrijstelling van registratierechtenproposed · AlliA Insurance Brokers
- Tax qualification: niet onderworpen aan BTWproposed · AlliA Insurance Brokers
- Permanent representative: vast vertegenwoordigerproposed · Wouter Devriendt
- Permanent representative: vast vertegenwoordigerproposed · Davy Claerhout
- Permanent representative: vast vertegenwoordigerproposed · Wouter Devriendt
- Incorporation: 2012-12-06proposed · AlliA Insurance Brokers
- Incorporation: 1981-04-01proposed · Palmers
- Purpose: in binnen- en buitenland, voor eigen rekening of voor rekening van derden te verrichten: a)Alle verrichtingen die betrekking hebben op de makelaardij in alle welkdanige verzekeringen, onderverzekeringen en herverzekeringen, op de expertise van schadegevallen en de schaderegeling in het kader van voormelde verzekeringen, alsmede alle dienst- en adviesverstrekking nopens de voormelde verzekeringen. b)Alle verrichtingen die betrekking hebben op leningen, kredieten en plaatsen van gelden, inzonderheid het toestaan van leningen en kredietopeningen aan vennootschappen en particulieren, onder om het
Summary:
Act object · Board meeting · Merger · Accounting effectNotary:
Guido Vandenberghe
02-04-2026 Act object · Merger · Accounting effect · Tax qualification
- Filing: 2026-04-02 · Palmers
- Act object: Voorstel geruisloze fusieproposed · Palmers
- Merger: date: 2026-03-13, type: fusion_by_absorptionproposed · Palmers
- Accounting effect: 2026-01-01proposed · Palmers
- Tax qualification: fiscale neutraliteitproposed · Palmers
- Tax qualification: vrijstelling van registratierechtenproposed · Palmers
- Tax qualification: niet onderworpen aan BTWproposed · Palmers
- Approval: body: Raden van Bestuur, date: 2026-03-13, note: waiver of general meeting approval under Art 12:53 §6 WVVproposed · AlliA Insurance Brokers
- Share distribution: 100%proposed · INSURANCE INVESTMENTS NV
- Share distribution: 100%proposed · INSURANCE INVESTMENTS NV
- Power of attorney: vast vertegenwoordigerproposed · Wouter Devriendt
- Power of attorney: vast vertegenwoordigerproposed · Davy Claerhout
- Power of attorney: vast vertegenwoordigerproposed · Wouter Devriendt
- Power of attorney: vast vertegenwoordigerproposed · Davy Claerhout
- Incorporation: 2012-12-06proposed · AlliA Insurance Brokers
- Incorporation: 1981-04-01proposed · Palmers
- Publication: 2026-04-02
- Purpose: in binnen- en buitenland, voor eigen rekening of voor rekening van derden te verrichten: a) Alle verrichtingen die betrekking hebben op de makelaardij in alle welkdanige verzekeringen, onderverzekeringen en herverzekeringen, op de expertise van schadegevallen en de schaderegeling in het kader van voormelde verzekeringen, alsmede alle dienst- en adviesverstrekking nopens de voormelde verzekeringen. b)Alle verrichtingen die betrekking hebben op leningen, kredieten en plaatsen van gelden, inzonderheid het toestaan van leningen en kredietopeningen aan vennootschappen en particulieren, onder om het
Summary:
Act object · Merger · Accounting effect · Tax qualificationNotary:
Guido Vandenberghe
18-02-2026 2 directors appointed
2024
05-08-2024 1 director appointed, 1 resigning, 3 reappointed
- Katrien Gorissen, Bestuurder
- Frikko Molog, Bestuurder
- Regine Palmers, Bestuurder
- Jan Gorissen, Bestuurder
- Jan Gorissen, Gedelegeerd bestuurder
Summary:
v3.2
2022
25-02-2022 4 reappointed
- Renatus Gorissen, Bestuurder
- Regine Palmers, Bestuurder
- Frikko Molog, Bestuurder
- Jan Gorissen, Gedelegeerd bestuurder
Summary:
v3.2
2015
16-09-2015 4 reappointed
- René Gorissen, Bestuurder
- Regine Palmers, Bestuurder
- Frikko Malog, Bestuurder
- René Gorissen, Gedelegeerd bestuurder
Summary:
v3.2
Analysis
Snowflake analysis
financial profile on 5 axes54
/ 100
Mixed profile: strong on stability, weaker on profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
3
Solvency
37
Growth
78
Stability
100
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Company registry
Company registry (CBE)
Crossroads BankActivities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsmakelaars en -agenten67201Activiteiten van gemengde verzekeringsentiteiten, overwegend leven65112Activiteiten van gemengde verzekeringsondernemingen, overwegend leven65112
Primary activity highlighted.
Names & trade names
| Legal nameNL | Palmers |
Registered office
Dorpsstraat 32
3590 Diepenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.