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Truncus Wealth

Active Risk: not assessed
Public limited companyfounded 200719 yrs activeSpinnerijstraat 12, 9240 Zele, BelgiumKBO/BCE: BE 0887.455.176
Summary

Truncus Wealth is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Signals

1 signal. The signal on the left, the evidence on the right.
○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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
24 d early
2024
29 d early
2023
28 d early
2022
33 d early
2021
31 d early
2020
53 d early
2019
37 d 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 34 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Truncus Wealth was incorporated on 22 February 2007.1 The registered office was moved to Zele in 2008.2 Since 2013 the company has been called Truncus Wealth.3 Between 2013 and 2026 the capital was increased 3 times, most recently to EUR 250,424.456 The board currently has 8 members; Pieter Van Neste has served longest, since 2014.7

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 04-09-2008
  3. 3Belgian State Gazette, 20-12-2013
  4. 4Belgian State Gazette, 18-04-2013
  5. 5Belgian State Gazette, 28-08-2018
  6. 6Belgian State Gazette, 09-01-2026
  7. 7Belgian State Gazette, 31-07-2023

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Financials · unclassified schema, statutory accounts

Annual accounts outside the standard scheme
The National Bank holds 19 filings for this company, the latest for fiscal year 2025. They follow a sector scheme (bank, insurer, association or foreign entity); Checked reads figures only from the full, abbreviated and micro schemes.
Latest 10 of 19 filings
Fiscal year Type Filed Reference
31-12-2025 unclassified schema 07-07-2026 2026-00269132
31-12-2024 consolidated 02-07-2025 2025-00224853
31-12-2023 consolidated 03-07-2024 2024-00208820
31-12-2022 consolidated 28-06-2023 2023-00174647
31-12-2021 consolidated 30-06-2022 2022-20120550
31-12-2020 unclassified schema 08-06-2021 2021-18100087
31-12-2019 unclassified schema 24-06-2020 2020-20600029
31-12-2018 unclassified schema 28-06-2019 2019-25600312
31-12-2017 unclassified schema 20-03-2018 2018-07200450
31-12-2016 unclassified schema 21-06-2017 2017-20300116

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
07-07
NBB filing Annual accounts filed
fiscal year 2025 · unclassified schema
09-01
State Gazette act Capital & shares · Restructuring
Demerger · Accounting effect · Share issue13 facts ▸
  • General meeting, 19-12-2025
  • Demerger, 19-12-2025
  • Accounting effect, 01-07-2025
  • Share issue, A-aandelen, 564
  • Capital increase, €423,83
  • Capital, €250.423,83
  • Share cancellation, B-aandelen, 342
  • Statutes amendment
  • Power of attorney, Bestuursorgaan Truncus Wealth
  • Share split, 3:1, 2280
  • Inbreng in natura, 267506.01, EUR
  • Reserve increase, EUR, 51647.42
  • +1 further facts in this act
2025
14-10
State Gazette act Resignations & appointments · Restructuring
Reappointment: Ivan Van De Cloot (director) · Demerger · Accounting effect15 facts ▸
  • Demerger, 29-09-2025
  • Accounting effect, 01-07-2025
  • General meeting, 07-06-2024
  • Director reappointment, Ivan Van De Cloot (director)
  • Power of attorney, Stefaan Vanden Berghe
  • Power of attorney, Pieter Van Neste
  • Power of attorney, Griet Pauwels
  • Power of attorney, Bruno Toye
  • Power of attorney, Jan Vantomme
  • Demerger scope, overdracht van alle bezittingen, rechten en verplichtingen verbonden aan de bedrijfsafdeling waarin als 'investment advisor' ondersteunende (analyse)diensten wo…
  • Demerger financials, 30-06-2025, 413810.54
  • Profit participation, 01-01-2025
  • +3 further facts in this act
02-07
NBB filing Annual accounts filed
fiscal year 2024 · consolidated
2024
03-07
NBB filing Annual accounts filed
fiscal year 2023 · consolidated
30-01
State Gazette act Statutes amendment · Miscellaneous
Purpose change · Capital · Share class creation6 facts ▸
  • General meeting, 29-12-2023
  • Statutes amendment
  • Purpose change, De vennootschap heeft tot voorwerp: Het uitoefenen in België als in het buitenland, hetzij rechtstreeks als via een tussenpersoon, van alle activiteiten van een…
  • Capital, €250.000
  • Share class creation, Indeling van 760 bestaande aandelen in A- en B-soorten
  • Power of attorney, Het Fiscaal Advieskantoor
2023
31-07
State Gazette act Reappointments: Hugo Van Geet, Pieter Van Neste and 3 others
Resignation: Wim Allegaert (director) · Appointments: Leen Vandecruys, Rudi Deruytter and Ivan Van de Cloot · Mandate compensation16 facts ▸
  • General meeting, 02-06-2023
  • Director reappointment, Hugo Van Geet (director)
  • Director reappointment, Pieter Van Neste (director)
  • Director reappointment, Stefaan Vanden Berghe (director)
  • Director reappointment, Piet Van Geet (director)
  • Director reappointment, Griet Pauwels (director)
  • Director resignation, Wim Allegaert (director)
  • Director appointment, Leen Vandecruys (director)
  • Director appointment, Rudi Deruytter (director)
  • Director appointment, Ivan Van de Cloot (director)
  • Mandate compensation, Leen Vandecruys
  • Mandate compensation, Rudi Deruytter
  • +4 further facts in this act
28-06
NBB filing Annual accounts filed
fiscal year 2022 · consolidated
07-02
State Gazette act Resignation: Patrick Vermeulen (director)
Director discharge3 facts ▸
  • General meeting, 28-11-2022
  • Director resignation, Patrick Vermeulen (director)
  • Director discharge, Patrick Vermeulen
2022
30-06
NBB filing Annual accounts filed
fiscal year 2021 · consolidated
2021
10-11
State Gazette act Resignation: Katrien Yde (director)
Appointment: Griet Pauwels (director) · Director discharge · Share-buyback authorisation9 facts ▸
  • General meeting, 29-09-2021
  • General meeting, 06-10-2021
  • Board meeting, 16-10-2021
  • Director resignation, Katrien Yde (director)
  • Director discharge, Katrien Yde
  • Director appointment, Griet Pauwels (director)
  • Director resignation, Katrien Yde (managing director)
  • Director appointment, Griet Pauwels (managing director)
  • Share-buyback authorisation, maximaal 1 jaar vanaf datum machtiging van de algemene vergadering, 20.000,00 EUR
08-06
NBB filing Annual accounts filed
fiscal year 2020 · unclassified schema
Show earlier events
2020
01-12
State Gazette act Appointments: Piet Van Geet (niet uitvoerend bestuurder) and Wim Allegaert (niet uitvoerend bestuurder)
6 facts ▸
  • General meeting, 03-06-2020
  • Director appointment, Piet Van Geet (niet uitvoerend bestuurder)
  • Board meeting, 03-06-2020
  • Director appointment, Piet Van Geet (chair of the board)
  • General meeting, 13-07-2020
  • Director appointment, Wim Allegaert (niet uitvoerend bestuurder)
01-07
State Gazette act Resignations: Hugo Van Geet (managing director) and Koen Steeland (director)
Director discharge · Power of attorney · Mandate term17 facts ▸
  • Board meeting, 04-06-2019
  • Director resignation, Hugo Van Geet (managing director)
  • Board meeting, 16-03-2020
  • Director resignation, Koen Steeland (director)
  • General meeting, 16-03-2020
  • Director discharge, Koen Steeland
  • Power of attorney, Truncus Wealth
  • Board composition, Pieter Van Neste (managing director)
  • Board composition, Katrien Yde (managing director)
  • Board composition, Stefaan Vanden Berghe (managing director)
  • Board composition, Hugo Van Geet (director)
  • Board composition, Patrick Vermeulen (director)
  • +5 further facts in this act
24-06
NBB filing Annual accounts filed
fiscal year 2019 · unclassified schema
2019
28-06
NBB filing Annual accounts filed
fiscal year 2018 · unclassified schema
2018
14-11
State Gazette act Appointment: Patrick Vermeulen (niet uitvoerend bestuurder)
2 facts ▸
  • General meeting, 29-06-2018
  • Director appointment, Patrick Vermeulen (niet uitvoerend bestuurder)
28-08
State Gazette act Restructuring
Demerger · Accounting effect · Capital decrease9 facts ▸
  • General meeting, 30-07-2018
  • Demerger, partiële splitsing door inbreng, 490
  • Accounting effect, 01-01-2018
  • Capital decrease, €1.071,42
  • Capital increase, €1.071,42
  • Capital, €250.000
  • Power of attorney, Catherine Braem
  • Power of attorney, Cathérine Blancquaert
  • Suspensive condition, alle besluiten hebben slechts uitwerking onder de opschortende voorwaarde van goedkeuring van de inbreng door de algemene vergadering van Het Fiscaal Advieskant…
21-06
State Gazette act Restructuring
Demerger · Capital · Share issue11 facts ▸
  • Board meeting, 07-06-2018
  • Demerger, De bedrijfstak 'administratieve opvolging' van de te splitsen vennootschap zal worden afgesplitst en worden overgenomen door de verkrijgende vennootschap.
  • Capital, €250.000
  • Capital, €20.000
  • Share issue, 490, vergoeding voor de inbreng van het af te splitsen gedeelte van het vermogen
  • Accounting effect, 01-01-2018
  • Capital increase
  • Dividend, 16043.06, voor de splitsingsakte
  • Capital
  • Deadline, 31-07-2018
  • Asset transfer, EUR, 20737.68
20-03
NBB filing Annual accounts filed
fiscal year 2017 · unclassified schema
2017
10-07
State Gazette act Reappointments: Hugo Van Geet, Katrien Yde and 3 others
Resignation: Philippe Naert (director and chair of the board)13 facts ▸
  • General meeting, 22-05-2017
  • Director reappointment, Hugo Van Geet (director)
  • Director reappointment, Katrien Yde (director)
  • Director reappointment, Pieter Van Neste (director)
  • Director reappointment, Koen Steeland (director)
  • Director reappointment, Stefaan Vanden Berghe (director)
  • Director resignation, Philippe Naert (director and chair of the board)
  • Board meeting, 22-05-2017
  • Director reappointment, Hugo Van Geet (managing director)
  • Director reappointment, Katrien Yde (managing director)
  • Director reappointment, Pieter Van Neste (managing director)
  • Director reappointment, Koen Steeland (managing director)
  • +1 further facts in this act
21-06
NBB filing Annual accounts filed
fiscal year 2016 · unclassified schema
2016
22-09
State Gazette act Capital & shares · Statutes amendment
Share cancellation · Capital · Power of attorney6 facts ▸
  • General meeting, 05-09-2016
  • Share cancellation, 10
  • Capital, €250.000
  • Statutes amendment
  • Power of attorney, Catherine Braem
  • Power of attorney, Truncus Wealth
2014
01-10
State Gazette act Resignations: BVBA HVG&Partners, BVBA Katrien Yde and 4 others
Appointments: Hugo Van Geet, Katrien Yde and 4 others · Mandate compensation21 facts ▸
  • General meeting, 25-06-2014
  • Director resignation, BVBA HVG&Partners (director)
  • Director resignation, BVBA Katrien Yde (director)
  • Director resignation, GCV Pieter Van Neste (director)
  • Director resignation, GCV Flaxfield Capital Partners (director)
  • Director resignation, GCV Stefaan Vanden Berghe (director)
  • Director resignation, NV MDCS International (director)
  • Director appointment, Hugo Van Geet (director)
  • Director appointment, Katrien Yde (director)
  • Director appointment, Pieter Van Neste (director)
  • Director appointment, Koen Steeland (director)
  • Director appointment, Stefaan Vanden Berghe (director)
  • +9 further facts in this act
2013
20-12
State Gazette act Purpose · Statutes amendment
Name change · Director resignation · Purpose change5 facts ▸
  • General meeting, 02-12-2013
  • Name change, Truncus Wealth
  • Director resignation, chair
  • Purpose change, Het uitvoeren van verrichtingen, voor rekening van derden, zowel in België als in het buitenland, die tot de activiteiten van een vennootschap voor vermogensbeh…
  • Net-asset statement, 30-09-2013
18-04
State Gazette act Resignations: BVBA Katrien Yde (manager) and GCV Pieter Van Neste (manager)
Appointments: BVBA HVG & Partners, BVBA Katrien Yde and 4 others · Permanent representatives: Hugo Van Geet, Katrien Yde and 4 others · Capital increase30 facts ▸
  • General meeting, 27-03-2013
  • Capital increase, €230.000
  • Net-asset statement, 31-12-2012
  • Legal-form conversion, naamloze vennootschap
  • Capital, €250.000
  • Director resignation, BVBA Katrien Yde (manager)
  • Director resignation, GCV Pieter Van Neste (manager)
  • Director appointment, BVBA HVG & Partners (director)
  • Director appointment, BVBA Katrien Yde (director)
  • Director appointment, GCV Pieter Van Neste (director)
  • Director appointment, GCV Flaxfield Capital Partners (director)
  • Director appointment, GCV Stefaan Vanden Berghe (director)
  • +18 further facts in this act
09-01
State Gazette act Capital & shares
Share cancellation2 facts ▸
  • General meeting, 21-12-2012
  • Share cancellation, 10, EUR
2008
04-09
State Gazette act Appointment: BVBA Katrien Yde (director)
Registered-office move · Power of attorney4 facts ▸
  • Board meeting, 22-08-2008
  • Registered-office move, Spinnerijstraat 12, 9240 Zele
  • Director appointment, BVBA Katrien Yde
  • Power of attorney, Katrien Yde
State Gazette actNBB filing
18 of 18 acts read

Directors · office · real estate

Directors
8 directors, 3 in day-to-day management, no change since 2024

Board 8

Piet Van Geet
Chair of the board · since 03-06-2020 · Director · since 03-06-2020
Current
Hugo Van Geet
Director · since 01-08-2014
Current
Pieter Van Neste
Director · since 01-08-2014
Current
Stefaan Vanden Berghe
Director · since 01-08-2014
Current
Griet Pauwels
Director · since 01-11-2021
Current
Ivan Van De Cloot
Director · since 02-06-2023
Current
Leen Vandecruys
Director · since 02-06-2023
Current
Rudi Deruytter
Director · since 02-06-2023
Current
2 not recently confirmed
Still in office according to the acts, but no act of the last six years confirms the mandate. It has often ended since, in an act we have not read.
BVBA Katrien Yde
Director · since 27-08-2008 · Legal entity
Not recently confirmed
BVBA HVG & Partners
Director · since 27-03-2013 · Legal entity · perm. rep.: Hugo Van Geet
Not recently confirmed

Day-to-day management 3

Pieter Van Neste
Managing director · since 01-08-2014
Current
Stefaan Vanden Berghe
Managing director · since 01-08-2014
Current
Griet Pauwels
Managing director · since 01-11-2021
Current
1 not recently confirmed
Still in office according to the acts, but no act of the last six years confirms the mandate. It has often ended since, in an act we have not read.
BVBA HVG & Partners
Managing director · since 27-03-2013 · Legal entity · perm. rep.: Hugo Van Geet
Not recently confirmed

Permanent representatives 1

Hugo Van Geet
Permanent representative · since 27-03-2013 · for BVBA HVG & Partners
Not recently confirmed
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zele · 2 establishment units since 2007
seat establishment All 2 establishment units on the map
Ground area
7,244 m²
Building footprint
1,446 m²
Volume, LiDAR
15,214 m³
2 parcels, Flanders · tallest building 18.1 m, ±4 floors. Linked by address, not a title deed.
23 companies at this address See who is registered here
2 establishment units
Truncus Wealth
Spinnerijstraat 12, 9240 ZeleNACE 74142
since 20072.173.060.316
Truncus Wealth nv
Elizabetlaan 229, 8301 Knokke-HeistOther business support services
since 20222.352.095.392
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42028A1405/00N000 Flanders 6,935 m² 1 · 1,343 m² 18.1 m · 4 fl.
31338E0048/00_000 Flanders 310 m² 1 · 103 m² 14.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

18 people since 2008, 10 in office
Show
  • Board
  • Day-to-day management
  • not recently confirmed
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
Hugo Van Geet
  • Director, from 01-08-2014 to date
  • Managing director, from 01-08-2014 to 04-06-2019
Pieter Van Neste
  • Director, from 01-08-2014 to date
  • Managing director, from 01-08-2014 to date
Stefaan Vanden Berghe
  • Director, from 01-08-2014 to date
  • Managing director, from 01-08-2014 to date
Piet Van Geet
  • Chair of the board, from 03-06-2020 to date
  • Niet uitvoerend bestuurder, from 03-06-2020 to date
Griet Pauwels
  • Director, from 01-11-2021 to date
  • Managing director, from 01-11-2021 to date
Ivan Van De Cloot
  • Director, from 02-06-2023 to date
Leen Vandecruys
  • Director, from 02-06-2023 to date
Rudi Deruytter
  • Director, from 02-06-2023 to date
BVBA Katrien Yde
  • Board, from 27-08-2008 not ended, last confirmed 04-09-2008
BVBA HVG & Partners
  • Director, from 27-03-2013 not ended, last confirmed 18-04-2013
  • Managing director, from 27-03-2013 not ended, last confirmed 18-04-2013
Wim Allegaert
  • Niet uitvoerend bestuurder, from 13-07-2020 to 02-06-2023
Patrick Vermeulen
  • Niet uitvoerend bestuurder, from 29-06-2018 to 28-11-2022
Katrien Yde
  • Director, from 01-08-2014 to 01-11-2021
  • Managing director, from 01-08-2014 to 01-11-2021
Koen Steeland
  • Director, from 01-08-2014 to 29-02-2020
  • Managing director, from 01-08-2014 to 29-02-2020
Phillipe Naert
  • Chair of the board, from 01-08-2014 ended, last mentioned 01-10-2014
  • Director, from 01-08-2014 to 22-05-2017
Foliá Consult
  • Manager, until 27-03-2013
  • Director, from 27-03-2013 to 01-08-2014
  • Managing director, from 27-03-2013 ended, last mentioned 18-04-2013
HVG & Partners
  • Director, until 01-08-2014
MANAGEMENT DECISIONS CONSULTING SERVICES INTERNATIONAL
  • Chair of the board, from 27-03-2013 ended, last mentioned 18-04-2013
  • Director, from 27-03-2013 to 01-08-2014
See the board, name and seat on a given date →

Articles of association

Purpose
Het uitvoeren van verrichtingen, voor rekening van derden, zowel in België als in het buitenland, die tot de activiteiten van een vennootschap voor vermogensbeheer en…
Full purpose

Het uitvoeren van verrichtingen, voor rekening van derden, zowel in België als in het buitenland, die tot de activiteiten van een vennootschap voor vermogensbeheer en beleggingsadvies overeenkomstig de wet van zes april negentienhonderd vijfennegentig en latere uitvoeringsbesluiten behoren, voor zover daartoe een erkenning en inschrijving werd bekomen. Het verzorgen van de administratie voor families, non-profitorganisaties, patrimoniumstructuren en particulieren, het geven van adviezen, het maken van studies, het in toepassing brengen van systemen voor gegevensverwerking en alle technieken in verband met het administratief beheer van particulieren, non-profitorganisaties en familiale vermogens. In het algemeen zal zijn alle maatregelen treffen tot vrijwaren van haar rechten en zal alle, om het even welke verrichtingen, uitvoeren welke rechtstreeks of onrechtstreeks aansluiten bij of bijdragen tot de bevordering van haar doel. Zij mag eveneens belangen hebben bij wijze van inbreng, inschrijvingen of anderszins, in alle ondernemingen, verenigingen of vennootschappen die een gelijkaardig, analoog of aanverwant doel nastreven, of wier doel van aard is dat van de vennootschap te bevorderen. Zij mag leningen doen aan en waarborg stellen voor derden. Daartoe kan de vennootschap samenwerken met, deelnemen in, of op gelijk welke wijze, rechtstreeks of zijdelings, belangen nemen in ondernemingen van allerlei aard, alle verbintenissen aangaan, kredieten en leningen toestaan, zich voor derden borgstellen. Kortom zij mag alles doen wat verband houdt met bovengenoemd doel, of kan bijdragen tot de realisatie ervan.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. 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 fill in these statements, or need not, is missing.

Connections & network

8 connected companies

Acquisitions and mergers

2 transactions
Received in a demerger part of:Investor AM
BE 0896.120.939partial demerger · State Gazette act of 09-01-2026 (2 acts) · effective 19-12-2025
BE 0560.799.659partial demerger · State Gazette act of 28-08-2018 (2 acts)

Capital and shareholders

Capital over the years
  1. 09-01-2026 Capital increase of 423.83 EUR · to 250,423.83 EUR
  2. 30-01-2024 Capital stated in the act · 250,000 EUR · 760 shares
  3. 28-08-2018 Capital reduction of 1,071.42 EUR · to 248,928.58 EUR
  4. 28-08-2018 Capital increase of 1,071.42 EUR · to 250,000 EUR · 760 new shares · from reserves
  5. 21-06-2018 Capital stated in 2 acts · 250,000 EUR · 760 shares
  6. 18-04-2013 Capital increase of 230,000 EUR · to 250,000 EUR · from reserves

Public money · subsidies and aid

Flemish government

2022 to 2025 · 6 entries · 19,998 EUR awarded · 20,568 EUR paid
Year Entries awardedpaid
2025 1 412 EUR709 EUR
2024 2 8,066 EUR7,745 EUR
2023 1 5,419 EUR6,058 EUR
2022 2 6,101 EUR6,056 EUR
Schemes
4 entries · 18,250 EUR · 18,820 EUR paid · Fonds voor Innoveren en Ondernemen
2 entries · 1,748 EUR · 1,748 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Legal Entity Identifier

967600TSUFCXHEZAUY64
live in the LEI register

Similar companies · same sector, comparable size

Of 1,507 companies in sector 66199 we hold annual accounts for 923. 590 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded22-02-2007
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
82100Office administrative and support services
Contact
Website www.truncus.euKnokke-Heist
E-mail info@truncus.euKnokke-Heist
Phone 052409740Knokke-Heist
E-invoicing
Reachable via Peppol
Peppol ID 0208:0887455176
Also 9925:BE0887455176
Registered 28-02-2025

Register as of 28 September 2026 · Peppol Directory

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