VANBREDA HUYSMANS 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 €68k and a net result of €827k. Equity is shrinking by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 1469 sector peers (fiscal year 2025). The company has been active since 2002 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
Four 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 1469 sector peers (2025).
NBB · sector comparisonPosition among 1469 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 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€68k▼ 21.8%
2024 · €87k
2018: €362k
2019: €476k
2020: €480k
2021: €486k
2022: €492k
2023: €86k
2024: €87k
2018 → 2025
Net result
€827k▲ 1.5%
2024 · €815k
2018: €545k
2019: €575k
2020: €553k
2021: €606k
2022: €576k
2023: €697k
2024: €815k
2018 → 2025
Total assets
€3.21M▼ 2.1%
2024 · €3.28M
2018: €3.69M
2019: €3.52M
2020: €3.58M
2021: €3.35M
2022: €3.23M
2023: €3.40M
2024: €3.28M
2018 → 2025
Solvency
2.1%▼ 0.5pp
2024 · 2.6%
2018: 9.8%
2019: 13.5%
2020: 13.4%
2021: 14.5%
2022: 15.3%
2023: 2.5%
2024: 2.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.74M€2.93M▲ 6.8%
Equity€486k-€492k▲ 1.3%€86k▼ 82.4%€87k▲ 0.1%€68k▼ 21.8%
Operating result€837k-€793k▼ 5.2%€946k▲ 19.3%€1.10M▲ 16.7%€1.12M▲ 1.0%
Net result€606k-€576k▼ 4.9%€697k▲ 20.9%€815k▲ 16.9%€827k▲ 1.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.21M
Fixed assets
€319k▲ 10.7%
Current assets
€2.90M▼ 3.3%
Equity and liabilities €3.21M
Equity
€68k▼ 21.8%
Debt
€3.15M▼ 1.6%
The debt ratio rises from 97.4% to 97.9%. Equity and debt are lower.
Key figures and ratios
Solvency
2.1%▼
2024 · 2.6%
ROA
25.7%▲
2024 · 24.8%
Debt
€3.15M▼
2024 · €3.20M
Debt ≤ 1 year
€2.90M▼
2024 · €2.96M
Income taxes
€287k▲
2024 · €286k
Staff costs
€931k▲
2024 · €918k
A ratio outside any meaningful range has been withheld (balance sheet total €3.21M, equity €68k).
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€3.28M€3.21M▼
Fixed assets21/28€288k€319k▲
Tangible fixed assets22/27€288k€319k▲
Land and buildings22€209k€176k▼
Plant, machinery and equipment23€3k€13k▲
Furniture and vehicles24€66k€107k▲
Other tangible fixed assets26€7k€22k▲
Assets under construction and advance payments27€3k-
Current assets29/58€2.99M€2.90M▼
Amounts receivable within one year40/41€1.64M€1.89M▲
Trade receivables40€1.64M€1.89M▲
Other amounts receivable41€11€3k▲
Cash at bank and in hand54/58€1.34M€994k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€3.28M€3.21M▼
Equity10/15€87k€68k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€25k€6k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€19k-
Profit (loss) carried forward14€155-
Amounts payable17/49€3.20M€3.15M▼
Amounts payable within one year42/48€2.96M€2.90M▼
Current portion of amounts payable after more than one year42€59k-
Trade debts44€1.88M€1.84M▼
Suppliers440/4€1.88M€1.84M▼
Taxes, remuneration and social security45€207k€214k▲
Taxes450/3€1k€592▼
Remuneration and social security454/9€206k€213k▲
Other amounts payable47/48€815k€846k▲
Accrued charges and deferred income492/3€232k€244k▲
Income statement
Code20242025
Turnover70€2.74M€2.93M▲
Non-recurring operating income76A-€9k
Goods, raw materials, services and sundry goods60/61€645k€823k▲
Remuneration, social security and pensions62€918k€931k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€60k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€2.10M€2.11M▲
Operating profit (loss)9901€1.10M€1.12M▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€1.10M€1.11M▲
Income taxes67/77€286k€287k▲
Profit (loss) for the period9904€815k€827k▲
Transfer from tax-exempt reserves789-€19k
Profit (loss) for the period to be appropriated9905€815k€846k▲
Appropriation of the result
Profit (loss) to be appropriated9906€815k€846k▲
Profit (loss) brought forward from the previous period14P€78€155▲
Transfer from equity791/2-€19k
Transfer to equity691/2-€19k
To other reserves6921-€19k
Profit to be distributed694/7€815k€846k▲
Return on contributions (dividend)694€815k€846k▲
Social balance
Average headcount (FTE)908710.510.2▼
The notes to these accounts (13 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
31-12
Financial
Highest result since 2018net €827k ▲1.5%
Operating result €1.12M, net result €827k, both a record.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
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
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-09-2019
Anne-Marie (Mieke) Vermeulen: Resigned as Director
30-09-2019
Kurt Huysmans: Resigned as Director
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2002
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.
Veemarkt 12800 MechelenGround area
198 m²
Building footprint
151 m²
Volume, LiDAR
2,046 m³
Parcel 12025B0306/00D000, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HUYSMANS VERZEKERINGEN
since 20022.115.453.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025B0306/00D000 | Flanders | 198 m² | 1 · 151 m² | 16.4 m · 4 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.
Structure & network
Group per the LEI register
2 parent companiesParent company:VANBREDA RISK & BENEFITS
Ultimate parent:Unibreda
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,363 EUR awarded · 1,363 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,363 EUR | 1,363 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
6994004KTLG4WNAL7656
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-10-2002
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.