Verzekeringen Bourdeau

Active

Private limited companyfounded 201510 yrs activeVrijheidsplein(D) 2, 8600 Diksmuide, BelgiumKBO/BCE: BE 0644.689.120

Verzekeringen Bourdeau is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of Verzekeringen Bourdeau were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €1.22M and a net result of €258k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 6156 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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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.

Filing: Filed more than 90 days late

Credit advice for your own amount and term

Signals

Two signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 9 filings

Deviation from the deadline

2025

not confirmed

2024

92 d late

2023

28 d late

2022

11 d early

2021

29 d late

2020

25 d late

2019

27 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, abbreviated schema

Equity

€1.22M▲ 19.7%

2023 · €1.02M

2018: €338k 2019: €165k 2020: €402k 2021: €588k 2022: €807k 2023: €1.02M

2018 → 2024

Net result

€258k▼ 4.9%

2023 · €271k

2018: €152k 2019: €137k 2020: €237k 2021: €199k 2022: €222k 2023: €271k

2018 → 2024

Total assets

€1.91M▲ 3.0%

2023 · €1.85M

2018: €531k 2019: €654k 2020: €695k 2021: €756k 2022: €947k 2023: €1.85M

2018 → 2024

Solvency

64.2%▲ 9.0pp

2023 · 55.2%

2018: 63.6% 2019: 25.3% 2020: 57.8% 2021: 77.7% 2022: 85.2% 2023: 55.2%

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€402k-€588k▲ 46.2%€807k▲ 37.3%€1.02M▲ 26.6%€1.22M▲ 19.7%

Operating result€349k-€293k▼ 16.0%€339k▲ 15.7%€365k▲ 7.9%€345k▼ 5.6%

Net result€237k-€199k▼ 16.0%€222k▲ 11.4%€271k▲ 22.5%€258k▼ 4.9%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 6% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.91M

41.7%

58.3%

Fixed assets €795k▼ 9.0%

Current assets €1.11M▲ 13.8%

Equity and liabilities €1.91M

64.2%

35.8%

Equity €1.22M▲ 19.7%

Debt €683k▼ 17.6%

The debt ratio falls from 44.8% to 35.8%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

Solvency

64.2%▲

2023 · 55.2%

ROE

21.1%▼

2023 · 26.6%

ROA

13.5%▼

2023 · 14.7%

Debt

€683k▼

2023 · €829k

Debt ≤ 1 year

€305k▼

2023 · €347k

Debt > 1 year

€362k▼

2023 · €482k

Income taxes

€106k▲

2023 · €105k

Staff costs

€421k▲

2023 · €262k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€1.85M€1.91M▲

Fixed assets21/28€874k€795k▼

Intangible fixed assets21€746k€661k▼

Tangible fixed assets22/27€128k€134k▲

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€7k€25k▲

Leasing and similar rights25€91k€84k▼

Other tangible fixed assets26€28k€22k▼

Current assets29/58€977k€1.11M▲

Amounts receivable within one year40/41€221k€364k▲

Trade receivables40€52k€100k▲

Other amounts receivable41€169k€264k▲

Current investments50/53€680k€669k▼

Cash at bank and in hand54/58€70k€68k▼

Deferred charges and accrued income490/1€6k€11k▲

Equity and liabilities

Total equity and liabilities10/49€1.85M€1.91M▲

Equity10/15€1.02M€1.22M▲

Contributions10/11€20k€20k=

Reserves13€1.00M€1.20M▲

Distributable reserves133€1.00M€1.20M▲

Amounts payable17/49€829k€683k▼

Amounts payable after more than one year17€482k€362k▼

Financial debts170/4€482k€362k▼

Amounts payable within one year42/48€347k€305k▼

Current portion of amounts payable after more than one year42€168k€143k▼

Trade debts44€33k€20k▼

Suppliers440/4€33k€20k▼

Taxes, remuneration and social security45€86k€120k▲

Taxes450/3€27k€37k▲

Remuneration and social security454/9€59k€83k▲

Other amounts payable47/48€59k€22k▼

Accrued charges and deferred income492/3-€16k

Income statement Code20232024

Non-recurring operating income76A€12k-

Remuneration, social security and pensions62€262k€421k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€166k▲

Other operating charges640/8€5k€10k▲

Gross operating margin9900€704k€942k▲

Operating profit (loss)9901€365k€345k▼

Financial income75/76B€8k€47k▲

Recurring financial income75€8k€47k▲

Financial charges65/66B€-4k€28k▲

Recurring financial charges65€-4k€28k▲

Profit (loss) for the period before taxes9903€377k€364k▼

Income taxes67/77€105k€106k▲

Profit (loss) for the period9904€271k€258k▼

Profit (loss) for the period to be appropriated9905€271k€258k▼

Appropriation of the result

Profit (loss) to be appropriated9906€277k€258k▼

Profit (loss) brought forward from the previous period14P€6k-

Transfer to equity691/2€220k€202k▼

To other reserves6921€220k€202k▼

Profit to be distributed694/7€57k€56k▼

Directors or managers695€50k€46k▼

Employees696€7k€10k▲

Social balance

Average headcount (FTE)90873.75.9▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 16Financial 7Filings 9

2025

31-10

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 92 days late

2024

28-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 28 days late

2023

31-12

Financial Highest result since 2018net €271k ▲22.5%

Operating result €365k, net result €271k, both a record.

31-12

Financial Equity above €1MEq €1.02M ▲26.6%

6 profitable years in a row build equity to €1.02M.

20-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 29 days late

2021

31-12

Financial Liquidity triplescurrent ratio 4.06

Current ratio from 1.59 to 4.06; short-term debt falls from €251k to €128k.

31-12

Financial Equity above €500kEq €588k ▲46.2%

4 profitable years in a row build equity to €588k.

25-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 25 days late

2020

31-12

Financial Liquidity doublescurrent ratio 1.59

Current ratio from 0.64 to 1.59; short-term debt falls from €435k to €251k.

31-12

Financial Equity above €200kEq €402k ▲143%

3 profitable years in a row build equity to €402k.

27-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 27 days late

2019

31-12

Financial Weakest financial yearnet €137k ▼9.8%

Net result drops to €137k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 29 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

11-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 11 days late

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 2023

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.

13-11-2023 Bartje Bourdeau: Resigned as Manager

13-11-2023 Stijn Bourdeau: Resigned as Manager

12-10-2023 Bartje Bourdeau: Resigned as Director

12-10-2023 Stijn Bourdeau: Resigned as Director

Location & real-estate footprint

Registered office, Diksmuide · 3 establishment units since 2015

establishment All 3 establishment units on the map

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.

Vrijheidsplein(D) 28600 Diksmuide

Ground area

338 m²

Building footprint

250 m²

Volume, LiDAR

2,049 m³

3 parcels, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.

3 establishment units

Verzekeringen Bourdeau

Filip van Arteveldestraat(WRB) 11, 8840 StadenRisk and damage evaluation

since 20152.248.738.033

Verzekeringen Bourdeau

Vrijheidsplein(D) 2, 8600 DiksmuideRisk and damage evaluation

since 20152.248.738.132

Marktstraat 5, 8620 Nieuwpoort

Risk and damage evaluation

since 20262.391.768.986

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38016B0951/00D000	Flanders	195 m²	1 · 123 m²	13.3 m · 3 fl.
32003A0250/00B000 ProtectedTownscape or village viewGrote Markt met omgevingSource ↗	Flanders	73 m²	1 · 70 m²	12.3 m · 3 fl.
36020C0661/00G000	Flanders	69 m²	1 · 57 m²	8.0 m · 2 fl.