VANBREDA GEERTS 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 €2.59M and a net result of €910k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 61% of 1463 sector peers (fiscal year 2025). The company has been active since 1999 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
Three signals. 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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
128 d early
2023
126 d early
2022
132 d early
2021
103 d early
2020
121 d early
2019
126 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.59M▲ 7.5%
2024 · €2.41M
2018: €1.35M
2019: €1.48M
2020: €1.65M
2021: €1.82M
2022: €2.00M
2023: €2.20M
2024: €2.41M
2018 → 2025
Net result
€910k▼ 14.2%
2024 · €1.06M
2018: €609k
2019: €669k
2020: €831k
2021: €835k
2022: €929k
2023: €982k
2024: €1.06M
2018 → 2025
Total assets
€5.11M▲ 4.4%
2024 · €4.90M
2018: €3.50M
2019: €3.72M
2020: €3.74M
2021: €3.96M
2022: €4.48M
2023: €4.57M
2024: €4.90M
2018 → 2025
Solvency
50.7%▲ 1.5pp
2024 · 49.2%
2018: 38.6%
2019: 39.9%
2020: 44.1%
2021: 45.9%
2022: 44.7%
2023: 48.1%
2024: 49.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.18M€3.10M▼ 2.5%
Equity€1.82M-€2.00M▲ 10.2%€2.20M▲ 9.8%€2.41M▲ 9.6%€2.59M▲ 7.5%
Operating result€1.13M-€1.26M▲ 11.5%€1.30M▲ 3.2%€1.37M▲ 5.4%€1.20M▼ 12.7%
Net result€835k-€929k▲ 11.3%€982k▲ 5.7%€1.06M▲ 7.9%€910k▼ 14.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.11M
Fixed assets
€326k▼ 26.9%
Current assets
€4.79M▲ 7.6%
Equity and liabilities €5.11M
Equity
€2.59M▲ 7.5%
Debt
€2.52M▲ 1.4%
The debt ratio falls from 50.8% to 49.3%. Equity and debt are higher.
Key figures and ratios
Solvency
50.7%▲
2024 · 49.2%
ROE
35.1%▼
2024 · 44.0%
ROA
17.8%▼
2024 · 21.7%
Debt
€2.52M▲
2024 · €2.49M
Debt ≤ 1 year
€2.19M▼
2024 · €2.20M
Income taxes
€320k▼
2024 · €375k
Staff costs
€1.18M▲
2024 · €1.09M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.90M€5.11M▲
Fixed assets21/28€446k€326k▼
Tangible fixed assets22/27€446k€326k▼
Land and buildings22€226k€176k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€64k€29k▼
Other tangible fixed assets26€154k€120k▼
Current assets29/58€4.45M€4.79M▲
Amounts receivable within one year40/41€1.39M€1.51M▲
Trade receivables40€1.38M€1.45M▲
Other amounts receivable41€12k€63k▲
Cash at bank and in hand54/58€3.05M€3.27M▲
Deferred charges and accrued income490/1€17k€7k▼
Equity and liabilities
Total equity and liabilities10/49€4.90M€5.11M▲
Equity10/15€2.41M€2.59M▲
Contributions10/11€207k€207k=
Capital10€207k€207k=
Issued capital100€207k€207k=
Reserves13€2.20M€2.39M▲
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€2.18M€2.36M▲
Profit (loss) carried forward14€639-
Amounts payable17/49€2.49M€2.52M▲
Amounts payable within one year42/48€2.20M€2.19M▼
Trade debts44€1.11M€1.20M▲
Suppliers440/4€1.11M€1.20M▲
Taxes, remuneration and social security45€247k€258k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€243k€254k▲
Other amounts payable47/48€848k€728k▼
Accrued charges and deferred income492/3€282k€336k▲
Income statement
Code20242025
Turnover70€3.18M€3.10M▼
Non-recurring operating income76A€3k-
Goods, raw materials, services and sundry goods60/61€597k€599k▲
Remuneration, social security and pensions62€1.09M€1.18M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€120k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€2.59M€2.51M▼
Operating profit (loss)9901€1.37M€1.20M▼
Financial income75/76B€63k€31k▼
Recurring financial income75€63k€31k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€1.44M€1.23M▼
Income taxes67/77€375k€320k▼
Profit (loss) for the period9904€1.06M€910k▼
Profit (loss) for the period to be appropriated9905€1.06M€910k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.06M€910k▼
Profit (loss) brought forward from the previous period14P€549€639▲
Transfer to equity691/2€212k€183k▼
To other reserves6921€212k€183k▼
Profit to be distributed694/7€848k€728k▼
Return on contributions (dividend)694€848k€728k▼
Social balance
Average headcount (FTE)908711.111.4▲
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.06M ▲7.9%
Operating result €1.37M, net result €1.06M, both a record.
22-10
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Board composition6 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Board composition6 facts ▸
- General meeting, 2024-10-01
- Director resignation, Eric Peeters (bestuurder)
- Board composition, voorzitter van de Raad van Bestuur, 2024-10-01
- Board composition, gedelegeerd bestuurder, 2024-10-01
- Board composition, gedelegeerd bestuurder, 2024-10-01
- Board composition, bestuurder, 2024-10-01
02-04
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Auditor reappointment11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Auditor reappointment11 facts ▸
- General meeting, 2024-03-07
- Director reappointment, Pedro Matthynssens (bestuurder)
- Director reappointment, Filip Geerts (bestuurder)
- Director reappointment, Pascal Joosten (bestuurder)
- Director reappointment, Koen Dierckx (bestuurder)
- Director reappointment, Erik Peeters (bestuurder)
- Auditor reappointment, BDO Bedrijfsrevisoren BV
- Permanent representative, Philippe Venken
- Director appointment, Pedro Matthynssens (voorzitter van de raad van bestuur)
- Director appointment, Filip Geerts (gedelegeerd bestuurder)
- Director appointment, Pascal Joosten (gedelegeerd bestuurder)
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
State Gazette act
Statutes amendmentGeneral meeting · Statutes amendment9 facts ▸
State Gazette act
Statutes amendment
General meeting · Statutes amendment9 facts ▸
- General meeting, 2023-06-28
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €2.00M ▲10.2%
5 profitable years in a row build equity to €2.00M.
11-05
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor reappointment · Permanent representative3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor reappointment · Permanent representative3 facts ▸
- General meeting, 2022-03-03
- Auditor reappointment, 2022-2024
- Permanent representative, Philippe Venken
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-11
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Board composition8 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Board composition8 facts ▸
- General meeting, 2021-09-30
- Director reappointment, Eric Peeters (bestuurder)
- Board composition, bestuurder, voorzitter van de Raad van Bestuur, 2021-09-30
- Board composition, bestuurder, gedelegeerd bestuurder, 2021-09-30
- Board composition, bestuurder, gedelegeerd bestuurder, 2021-09-30
- Board composition, bestuurder, 2021-09-30
- Board composition, bestuurder, 2021-09-30
- Board composition, alle mandaten, 2024
13-04
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Director appointment8 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Director appointment8 facts ▸
- General meeting, 2021-03-04
- Director reappointment, Pedro Matthynssens (bestuurder)
- Director appointment, Pedro Matthynssens (voorzitter van de Raad van Bestuur)
- Director reappointment, Pascal Joosten (bestuurder)
- Director appointment, Pascal Joosten (gedelegeerd bestuurder)
- Director reappointment, Filip Geerts (bestuurder)
- Director appointment, Filip Geerts (gedelegeerd bestuurder)
- Director reappointment, Koen Dierckx (bestuurder)
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-03
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor reappointment · Permanent representative3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor reappointment · Permanent representative3 facts ▸
- General meeting, 2019-03-07
- Auditor reappointment, 2019-2021
- Permanent representative, Philippe Venken
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
21-01
State Gazette act
Resignations & appointmentsPermanent representative · Mandate end2 facts ▸
State Gazette act
Resignations & appointments
Permanent representative · Mandate end2 facts ▸
- Permanent representative, Philippe Venken
- Mandate end, na de gewone algemene vergadering die zich zal uitspreken over de goedkeuring van de jaarrekening van het boekjaar 2018
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
12-01
State Gazette act
Registered office · Resignations & appointmentsBoard meeting · Registered-office move · Director appointment5 facts ▸
State Gazette act
Registered office · Resignations & appointments
Board meeting · Registered-office move · Director appointment5 facts ▸
- Board meeting, 2016-11-23
- Registered-office move, Looiweg 1, 2310 Rijkevorsel
- Board meeting, 2016-02-03
- Director appointment, Pascal Joosten (gedelegeerd bestuurder)
- Director appointment, Filip Geerts (gedelegeerd bestuurder)
2016
18-02
State Gazette act
Statutes amendment · Legal-form changeGeneral meeting · Name change · Legal-form conversion21 facts ▸
State Gazette act
Statutes amendment · Legal-form change
General meeting · Name change · Legal-form conversion21 facts ▸
- General meeting, 2016-02-03
- Name change, VANBREDA GEERTS
- Legal-form conversion, naamloze vennootschap
- Capital, €206.800
- Corporate purpose, Het optreden als makelaar, agent en vertegenwoordiger van verzekeringsmaatschappijen; het beheer van en overgeven en overnemen van verzekeringsportefeuilles; al…
- Net-asset statement, 2015-12-31
- Director resignation, ABES INSURE (zaakvoerder)
- Director resignation, GEERTS Filip Jozef Hugo (zaakvoerder)
- Director appointment, MATTHYNSSENS Pedro Ludovicus Honoré (bestuurder)
- Director appointment, JOOSTEN Pascal Michel Alin (bestuurder)
- Director appointment, DIERCKX Koen August Jozef (bestuurder)
- Director appointment, GEERTS Filip Jozef Hugo (bestuurder)
- +9 further facts in this act
14-01
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation2 facts ▸
- General meeting, 2015-12-16
- Director resignation, Annemie Victor (zaakvoerder)
2014
18-04
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 2012-12-31
- Director appointment, Annemie Victor (zaakvoerder)
- Mandate compensation, Annemie Victor
16-01
State Gazette act
Capital & shares · Statutes amendmentGeneral meeting · Capital increase · Bank account6 facts ▸
State Gazette act
Capital & shares · Statutes amendment
General meeting · Capital increase · Bank account6 facts ▸
- General meeting, 2013-12-23
- Capital increase, €181.800
- Bank account, BNP Paribas Fortis Bank, BE54 0017 1520 2597
- Capital, €206.800
- Statutes amendment
- Power of attorney, de zaakvoerder
2012
14-09
State Gazette act
Resignations & appointmentsDirector resignation1 fact ▸
State Gazette act
Resignations & appointments
Director resignation1 fact ▸
- Director resignation, Pascale Druyts (zaakvoerder)
2011
11-02
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Permanent representative3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Permanent representative3 facts ▸
- General meeting, 2010-12-24
- Director appointment, Abes Insure GCV (zaakvoerder)
- Permanent representative, Peeters Eric
2008
01-12
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 2008-10-01
- Director appointment, DRUYTS Pascale (zaakvoerster)
- Mandate compensation, DRUYTS Pascale
2007
15-01
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 2006-12-18
- Registered-office move, Bochtenstraat 32 - 2310 Rijkevorsel
2004
26-01
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
- General meeting, 2003-12-30
- Director resignation, GEERTS Jan (zaakvoerder)
- Director discharge, GEERTS Jan
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 directors, no change since 2024
Koen Dierckx
CurrentDirector · since 04-03-2021
Pedro Matthynssens
CurrentVoorzitter van de raad van bestuur · since 04-03-2021
Filip Geerts
CurrentManaging director · since 30-12-2016
Pascal Joosten
CurrentManaging director · since 30-12-2016
Erik Peeters
CurrentDirector
DIERCKX Koen August Jozef
Not recently confirmedDirector · since 03-02-2016
+ 4 not shown in this overview
30-09-2024
Eric Peeters: Resigned as Director
07-03-2024
Pedro Matthynssens: Appointed as Voorzitter van de raad van bestuur
07-03-2024
Filip Geerts: Appointed as Managing director
07-03-2024
Pascal Joosten: Appointed as Managing director
04-03-2021
Koen Dierckx: Mandate renewed as Director
04-03-2021
Pedro Matthynssens: Mandate renewed as Director
04-03-2021
Pedro Matthynssens: Appointed as Voorzitter van de raad van bestuur
04-03-2021
Filip Geerts: Appointed as Managing director
04-03-2021
Filip Geerts: Mandate renewed as Director
04-03-2021
Pascal Joosten: Appointed as Managing director
04-03-2021
Pascal Joosten: Mandate renewed as Director
30-12-2016
Filip Geerts: Appointed as Managing director
30-12-2016
Pascal Joosten: Appointed as Managing director
04-02-2016
GEERTS Filip Jozef Hugo: Appointed as Director
04-02-2016
PEETERS Eric Francis Jan: Appointed as Director
03-02-2016
DIERCKX Koen August Jozef: Appointed as Director
03-02-2016
GEERTS Filip Jozef Hugo: Resigned as Manager
03-02-2016
JOOSTEN Pascal Michel Alin: Appointed as Director
03-02-2016
MATTHYNSSENS Pedro Ludovicus Honoré: Appointed as Director
31-12-2015
Annemie Victor: Resigned as Manager
01-01-2013
Annemie Victor: Appointed as Manager
05-09-2012
DRUYTS Pascale: Resigned as Manager
01-10-2008
DRUYTS Pascale: Appointed as Zaakvoerster
30-12-2003
GEERTS Jan: Resigned as Manager
Location & real-estate footprint
Registered office, Rijkevorsel · 1 establishment unit since 1999
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.
Looiweg 12310 RijkevorselGround area
483 m²
Building footprint
466 m²
Volume, LiDAR
2,032 m³
Parcel 13502E0203/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Looiweg 1, 2310 Rijkevorsel
since 19992.092.451.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502E0203/00L000 | Flanders | 483 m² | 1 · 466 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
2 auditors| BDO Bedrijfsrevisoren Burg. Venn. CVBACurrent Auditor · represented by Philippe Venken | 07-03-2019 → present |
Show 1 earlier auditors
| BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES Auditor · represented by Philippe Venken succeeded by BDO Bedrijfsrevisoren Burg. Venn. CVBA in 2019 | 03-02-2016 → 07-03-2019 |
Structure & network
Connections & network
11 connected companiesLinked via shared directors
viaPedro Matthynssens · Director
→
viaPedro Matthynssens · Director
→
viaPedro Matthynssens · Voorzitter van de raad van bestuur
→
viaPedro Matthynssens · Soort b bestuurder
→
Show 2 more companies with a shared director
viaPedro Matthynssens · Director
→
viaPedro Matthynssens · Membre du comité de direction
former→
Network connections
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 1 more network connections
Shared director
→
Group per the LEI register
2 parent companiesParent company:VANBREDA RISK & BENEFITS
Ultimate parent:Unibreda
Capital and shareholders
Capital increase of 181,800 EUR
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,364 EUR awarded · 2,364 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,364 EUR | 2,364 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
69940029IM0J2YAGVH51
Similar companies · same sector, comparable size
BUREAU D'ASSURANCES WATHLET et ASSOCIES
BE 0459.321.625
Floreffe · Eq €2.58M
GOETHALS & DE SMET
BE 0840.932.491
Lievegem · Eq €2.56M
ASSURTEAM
BE 0426.066.956
Sint-Pieters-Woluwe · Eq €2.55M
CLEMAX
BE 0809.070.565
Waregem · Eq €2.66M
SUREPLUS
BE 0479.296.301
Anderlecht · Eq €2.66M
Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 1,423 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-08-1999
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.