Summary
Van Vlem Verzekeringen 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 €3k and a net result of €41k. Equity is growing by ~93.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 2435 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model 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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 9%
← weakest
strongest →
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 24-03-2026, 129 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
129 d early
2024
50 d early
2023
9 d early
2022
30 d late
2021
32 d early
2020
1 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 96.3%
2024 · €84k
2020: €-5k
2021: €6k
2022: €30k
2023: €44k
2024: €84k
2020 → 2025
Net result
€41k▼ 48.4%
2024 · €80k
2020: €-8k
2021: €11k
2022: €24k
2023: €42k
2024: €80k
2020 → 2025
Total assets
€501k▲ 270%
2024 · €135k
2020: €42k
2021: €28k
2022: €39k
2023: €75k
2024: €135k
2020 → 2025
Solvency
0.6%▼ 61.4pp
2024 · 62.1%
2020: -12.4%
2021: 20.5%
2022: 76.1%
2023: 58.8%
2024: 62.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€30k▲ 418%€44k▲ 50.0%€84k▲ 89.5%€3k▼ 96.3%
Operating result€16k-€36k▲ 131%€65k▲ 78.4%€109k▲ 67.2%€65k▼ 40.1%
Net result€11k-€24k▲ 119%€42k▲ 75.1%€80k▲ 90.7%€41k▼ 48.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€442k ▲ 656%
Current assets
€58k ▼ 24.0%
Equity and liabilities €501k
Equity
€3k ▼ 96.3%
Debt
€498k ▲ 868%
Debt's share of the balance-sheet total rises from 37.9% to 99.4%. Equity is lower and debt is higher.
Key figures and ratios
ROA
8.2%▼
2024 · 58.8%
Debt ≤ 1 year
€184k▲
2024 · €51k
Debt > 1 year
€314k
Income taxes
€17k▼
2024 · €27k
Staff costs
€25k▲
2024 · €24k
A ratio outside any meaningful range has been withheld (balance sheet total €501k, equity €3k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€501k▲
Formation expenses20€0€0=
Fixed assets21/28€59k€442k▲
Tangible fixed assets22/27€59k€442k▲
Land and buildings22€2k€382k▲
Plant, machinery and equipment23€11k€12k▲
Furniture and vehicles24€45k€48k▲
Current assets29/58€77k€58k▼
Amounts receivable within one year40/41€21k€18k▼
Trade receivables40€17k€18k▲
Other amounts receivable41€4k-
Current investments50/53-€5k
Cash at bank and in hand54/58€52k€32k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€135k€501k▲
Equity10/15€84k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€82k€630▼
Amounts payable17/49€51k€498k▲
Amounts payable after more than one year17-€314k
Financial debts170/4-€314k
Amounts payable within one year42/48€51k€184k▲
Current portion of amounts payable after more than one year42-€27k
Trade debts44€3k€13k▲
Suppliers440/4€3k€13k▲
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€39k€138k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€23k▲
Other operating charges640/8€2k€37k▲
Gross operating margin9900€142k€150k▲
Operating profit (loss)9901€109k€65k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€107k€58k▼
Income taxes67/77€27k€17k▼
Profit (loss) for the period9904€80k€41k▼
Profit (loss) for the period to be appropriated9905€80k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€123k▲
Profit (loss) brought forward from the previous period14P€42k€82k▲
Profit to be distributed694/7€40k€122k▲
Return on contributions (dividend)694€40k€122k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €80k ▲90.7%
Operating result €109k, net result €80k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 2.86
Current ratio from 0.80 to 2.86; short-term debt falls from €22k to €9k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kapellen · 2 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ertbrandstraat 1582950 KapellenGround area
2,599 m²
Building footprint
399 m²
Volume, LiDAR
2,596 m³
2 parcels, Flanders · tallest building 16.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Van Vlem Verzekeringen
since 20202.302.333.503
Bethaniënlei 66, 2960 Brecht
since 20262.385.111.818
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042B0001/00W002 | Flanders | 2,115 m² | 1 · 304 m² | 16.4 m · 2 fl. |
| 11023A0191/00B002 | Flanders | 484 m² | 1 · 95 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 400 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.