Skip to content
Checked.be
Complete company report
Generated 01-08-2026
Active BE 0823.347.084Private limited company

VARO-IMMO

Fonteinstraat 43 ·3545 Halen, Belgium· 16 yrs active
Sector: NACE 66220 (66220)
Conclusion Checked

VARO-IMMO 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 2010 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.

Based on State Gazette and CBE data.
Key figures
Active 16 yrs
Locations 1
Publications 7
Bankruptcy probability (12 mo) Checked model v1 · free

This 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.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 verkort 08-08-2025 2025-00368195
31-12-2023 verkort 31-07-2024 2024-00311120
31-12-2022 verkort 24-10-2023 2023-00493030
31-12-2021 verkort 23-11-2022 2022-20523923
31-12-2020 micro 30-10-2021 2021-76300555
31-12-2019 micro 03-09-2020 2020-50900417
31-12-2018 micro 19-05-2020 2020-12400194
31-12-2017 micro 30-09-2018 2018-65600105
31-12-2016 verkort 30-08-2017 2017-50600480
31-12-2015 verkort 30-08-2016 2016-49700240
Directors & mandates 6 directors
Historic, not recently confirmed (3)
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.
  • Vanwezemael Robert
    Manager
    State Gazette act 17059265 (26-04-2017)
    Not recently confirmed
    last confirmed in an act from 2017
    3 events
    • 01-01-2017 Appointed· Manager
    • 01-01-2013 Mandate renewed· Manager
    • 01-01-2013 Appointed· Manager
  • Varo VOFLegal entity
    Manager· perm. rep.: Rob Vanwezemael
    State Gazette act 17059265 (26-04-2017)
    Not recently confirmed
    last confirmed in an act from 2017
    3 events
    • 01-01-2017 Appointed· Manager
    • 22-02-2010 Mandate renewed· Manager
    • 22-02-2010 Appointed· Manager
  • Wuestenbergs Heidi VOFLegal entity
    Manager· perm. rep.: Heidi Wuestenbergs
    State Gazette act 17059265 (26-04-2017)
    Not recently confirmed
    last confirmed in an act from 2017
    2 events
    • 01-01-2017 Appointed· Manager
    • 01-01-2015 Appointed· Manager
Former directors (3)
  • Bernadette Didden
    Manager
    State Gazette act 15035802 (06-03-2015)
    Former
    01-01-2014 → 01-01-2017
    3 events
    • 01-01-2017 Resigned· Manager
    • 01-01-2015 Mandate renewed· Manager
    • 01-01-2014 Appointed· Manager
  • Heidi Wuestenbergs
    Manager
    State Gazette act 15035802 (06-03-2015)
    Former
    01-07-2014 → 02-12-2015
    3 events
    • 02-12-2015 Resigned· Manager
    • 01-07-2014 Mandate renewed· Manager
    • 01-07-2014 Appointed· Manager
  • Willex NVLegal entity
    Manager· perm. rep.: Willy Wuestenbergs
    State Gazette act 14166845 (09-09-2014)
    Former
    - → 08-09-2014
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary 66220
Legal form Private limited company(610)
Incorporation23-02-2010
StatusActive
Postal code3545
Establishment units 1 location
W&V Verzekeringen
Processieweg 67, 3560 LummenRechtstreekse verzekeringsverrichtingen leven
since 20102.187.183.813
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.
71020B0255/00L004 Flanders 792 m² 1 · 275 m² 14.6 m · 3 fl.
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.
Updates 17 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
30-03-2026
State Gazette act Purpose · Statutes amendment
General meeting · Purpose change · Name change
2025
08-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
31-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
24-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
23-11-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
30-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
03-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
19-05-2020
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
30-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
30-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 7 acts
All acts · 7 updated 4 months ago
2026
30-03-2026 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles Statutes amendment·Jan Lambrecht
Summary: De vennootschap heeft als voorwerp: I. Specifieke activiteiten: Het beheer van een verzekeringsportefeuille van KBC Verzekeringen NV en in het algemeen alles wat enig verband met dit beheer houdt. II.…Notary: Jan Lambrecht · Lummen
Technical details 
{
  "notary": {
    "name": "Jan Lambrecht",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Lummen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2026-03-30",
    "filing_date": "2026-03-26",
    "act_kind_objet": "STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN), BENAMING, DOEL"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2026-03-23",
    "unanimous": null
  },
  "statute_change": {
    "kinds": [
      "translation",
      "coordination",
      "targeted_amendment",
      "name_change",
      "object_change"
    ],
    "scope": "full_restatement",
    "trigger": "wvv_adaptation",
    "language_after": "nl",
    "language_before": "nl"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full_after": "VARO-IMMO",
    "legal_form_after": null,
    "name_full_before": "W \u0026 V-Verzekeringen",
    "current_zetel_raw": "Fonteinstraat 43 bus A1 3545 Zelem",
    "legal_form_before": "BESloten Vennootschap"
  },
  "special_mandates": [
    {
      "holder_kbo": "0607.933.048",
      "holder_name": "TaxTeam",
      "scope_categories": [
        "kbo",
        "btw",
        "estox",
        "publication"
      ],
      "with_substitution": true
    }
  ],
  "articles_modified": [
    {
      "summary": "De algemene vergadering beslist het voorstel van het bestuursorgaan te volgen.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "5:101"
    },
    {
      "summary": "De algemene vergadering beslist de tekst van artikel 3 van de statuten dienovereenkomstig aan te passen.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "3"
    },
    {
      "summary": "De Naamloze Vennootschap KBC Verzekeringen heeft op 19 maart 2026 haar akkoord gegeven met de aanpassing van het voorwerp.",
      "new_text": null,
      "change_kind": "amended",
      "article_title": null,
      "article_number": "1"
    }
  ],
  "governance_change": null,
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jan Lambrecht",
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "uitgifte van voormelde proces-verbaal",
    "geco\u00F6rdineerde tekst van de statuten met historiek"
  ],
  "shareholder_rights": null,
  "voorwerp_change_summary": "De vennootschap heeft als voorwerp: I. Specifieke activiteiten: Het beheer van een verzekeringsportefeuille van KBC Verzekeringen NV en in het algemeen alles wat enig verband met dit beheer houdt. II. Beheer van een eigen roerend en onroerend vermogen - Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden, het aankopen",
  "capital_structure_change": null,
  "coordinated_text_lineage": null
}
2023
07-12-2023 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": true,
    "object_change": true,
    "effective_date": "2023-11-06",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2017
26-04-2017 3 directors appointed, 1 resigning Director changes
  • Rob Vanwezemael, Zaakvoerder
  • Heidi Wuestenbergs, Zaakvoerder
  • Vanwezemael Robert, Zaakvoerder
  • Bernadette Didden, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Bernadette Didden",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2017-01-01",
      "evidence_quote": "Stopzetting van het mandaat als zaakvoerder van Bernadette Didden. Haar wordt kwijting gegeven voor haar mandaat.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Rob Vanwezemael",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Varo VOF",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2017-01-01",
      "evidence_quote": "Het college van zaakvoerders bestaat vanaf 1.1.2017 uit: -Varo VOF, vertegenwoordigd door Rob Vanwezemael, statutair zaakvoerder, onbezoldigd."
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Heidi Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Wuestenbergs Heidi VOF",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2017-01-01",
      "evidence_quote": "Het college van zaakvoerders bestaat vanaf 1.1.2017 uit: -Wuestenbergs Heidi VOF, vertegenwoordigd door Heidi Wuestenbergs, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur."
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Vanwezemael Robert",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2017-01-01",
      "evidence_quote": "Het college van zaakvoerders bestaat vanaf 1.1.2017 uit: -Vanwezemael Robert, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
2015
02-12-2015 1 director appointed, 1 resigning Director changes
  • Heidi Wuestenbergs, Zaakvoerder
  • Heidi Wuestenbergs, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Heidi Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Heidi Wuestenbergs VOF",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2015-01-01",
      "evidence_quote": "Benoeming van Heidi Wuestenbergs VOF, vertegenwoordigd door Heidi Wuestenbergs, Winkelbeekstraat 4, 3545 Halen als bijkomende zaakvoerder vanaf 1.1.2015."
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Heidi Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Stopzetting van het mandaat als zaakvoerder van Heidi Wuestenbergs. Haar wordt kwijting gegeven voor haar mandaat.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
06-03-2015 4 reappointed Director changes
  • Rob Vanwezemael, Zaakvoerder
  • Heidi Wuestenbergs, Zaakvoerder
  • Robert Vanwezemael, Zaakvoerder
  • Bernadette Didden, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Rob Vanwezemael",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Varo VOF",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2010-02-22",
      "evidence_quote": "Varo VOF, vertegenwoordigd door Rob Vanwezemael, statutair zaakvoerder, onbezoldigd. Dit reeds vanaf 22.02.2010"
    },
    {
      "kind": "director_renew",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Heidi Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2014-07-01",
      "evidence_quote": "Wuestenbergs Heidi, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur. Dit vanaf 1.7.2014"
    },
    {
      "kind": "director_renew",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Robert Vanwezemael",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2013-01-01",
      "evidence_quote": "Vanwezemael Robert, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur. Dit reeds varaf 1.1.2013"
    },
    {
      "kind": "director_renew",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Bernadette Didden",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-01-01",
      "evidence_quote": "Didden Bernadette, bedrijfsleider 2de categorie. Dit vanaf 1.1.2015"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
2014
09-09-2014 4 directors appointed, 1 resigning Director changes
  • Heidi Wuestenbergs, Zaakvoerder
  • Rob Vanwezemael, Zaakvoerder
  • Robert Vanwezemael, Zaakvoerder
  • Bernadette Didden, Zaakvoerder
  • Willy Wuestenbergs, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Heidi Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2014-07-01",
      "evidence_quote": "Benoeming van Heidi Wuestenbergs, Winkelbeekstraat 1, 3545 Halen als bijkomende zaakvoerder vanaf 1.7.2014."
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Willy Wuestenbergs",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Willex NV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2014-09-08",
      "evidence_quote": "Stopzetting van het mandaat als zaakvoerder van Willex NV, vertegenwoordigd door Willy Wuestenbergs. ... Dus dit mandaat als zaakvoerder stopt per 8 september 2014."
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Rob Vanwezemael",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Varo VOF",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2010-02-22",
      "evidence_quote": "Varo VOF, vertegenwoordigd door Rob Vanwezemael, statutair zaakvoerder, onbezoldigd. Dit reeds vanaf 22.02.2010"
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Robert Vanwezemael",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2013-01-01",
      "evidence_quote": "Vanwezemael Robert, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur. Dit reeds vanaf 1.1.2013"
    },
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Bernadette Didden",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2014-01-01",
      "evidence_quote": "Didden Bernadette, niet statutair zaakvoerder, onbezoldigd en voor onbepaalde duur. Dit reeds vanaf 1.1.2014"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
28-02-2014 Bernadette Didden appointed as manager Director changes
  • Bernadette Didden, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Bernadette Didden",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2014-01-01",
      "evidence_quote": "benoeming van Bernadette Didden, Diestsebaan 13-3290 Diest als bijkomende zaakvoerder vanaf 01/01/2014."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.347.084",
    "name_full": "W \u0026 V-VERZEKERINGEN",
    "legal_form": "BVBA"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameNL VARO-IMMO
Registered office
Fonteinstraat 43 bus A1
3545 Halen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
LEEN EN VERZEKERINGSKANTOOR DAEMS BE 0433.046.206 · Scherpenheuvel-Zichem
PUTZEYS BE 0416.700.419 · Hasselt
VCB Verzekeringskantoor BE 0430.074.145 · Leuven
VERZEKERINGEN MEEKERS & C°. BE 0437.345.482 · Beringen
ADD BE 0406.080.305 · Leuven
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative