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Wouter Vanbussel

Active Risk: not assessed
Private limited companyfounded 2021active for 5 yearsBreekiezel 151, 3670 Oudsbergen, BelgiumKBO/BCE: BE 0775.310.904
Summary

Wouter Vanbussel 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 €88,496 and a net result of €59,887. Equity is growing by about 30% per year across the filed financial years. Its solvency ranks better than 91% of 1,841 sector peers (NACE 66, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€98,748total assets 2025
Equity
€88,496
Profit
€59,887
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Holdings
1
2025 accounts 32 days early1 of 2 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

1 signal.
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 29-06-2026, 32 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
32 days early
2024
44 days early
2023
23 days early
2022
34 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 33 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 June (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Highest result from 2022 to 2025net €59,887 ▲56.7%
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Financials · financial year 2025, abbreviated format

Equity
€88,496▼ 30.4%
2024 · €127,109
Net result
€59,887▲ 56.7%
2024 · €38,209
Total assets
€98,748▼ 33.0%
2024 · €147,302
Solvency
89.6%▲ 3.3pp
2024 · 86.3%
Trend over the years

2022 to 2025, 4 financial years

The operating result returns to profit in 2025: €9,336 after a loss of €5,052 in 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€9,336 2025 Net result€59,887 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line2022202320242025
Operating result€33,493-€3,930▼ 88.3%-€5,052€9,336
Net result€27,123within the sector's middle half-€46,777within the sector's middle half▲ 72.5%€38,209within the sector's middle half▼ 18.3%€59,887within the sector's middle half▲ 56.7%
Equity€42,123within the sector's middle half-€88,900below the sector's middle half▲ 111%€127,109within the sector's middle half▲ 43.0%€88,496within the sector's middle half▼ 30.4%
Total assets€90,224below the sector's middle half-€139,007below the sector's middle half▲ 54.1%€147,302below the sector's middle half▲ 6.0%€98,748below the sector's middle half▼ 33.0%
Debt€48,101-€50,107▲ 4.2%€20,193▼ 59.7%€10,252▼ 49.2%
Working capital€20,664within the sector's middle half-€12,761within the sector's middle half▼ 38.2%€48,757within the sector's middle half▲ 282%€33,743within the sector's middle half▼ 30.8%
Solvency46.7%within the sector's middle half-64.0%within the sector's middle half▲ 17.3pp86.3%above the sector's middle half▲ 22.3pp89.6%above the sector's middle half▲ 3.3pp
Current ratio2.43within the sector's middle half-1.41within the sector's middle half▼ 1.014.16above the sector's middle half▲ 2.754.96above the sector's middle half▲ 0.80
Return on assets (ROA)30.1%above the sector's middle half-33.7%above the sector's middle half▲ 3.6pp25.9%above the sector's middle half▼ 7.7pp60.6%above the sector's middle half▲ 34.7pp
Staff (FTE)0below the sector's middle half
above within below the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98,748
Fixed assets €56,485 ▼ 32.0%
Current assets €42,263 ▼ 34.1%
Equity and liabilities €98,748
Equity €88,496 ▼ 30.4%
Debt €10,252 ▼ 49.2%
Debt's share of the balance-sheet total falls from 13.7% to 10.4%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
ROE
67.7%▲
2024 · 30.1%
Debt ≤ 1 year
€8,520▼
2024 · €15,420
Debt > 1 year
€0▼
2024 · €4,613
Income taxes
€132▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet Code20242025
Assets
Total assets20/58€147,302€98,748▼
Fixed assets21/28€83,125€56,485▼
Tangible fixed assets22/27€34,108€23,807▼
Land and buildings22€23,981€19,896▼
Furniture and vehicles24-€1,943
Leasing and similar rights25€10,127€1,967▼
Financial fixed assets28€49,018€32,678▼
Current assets29/58€64,177€42,263▼
Amounts receivable within one year40/41€595€1,735▲
Other amounts receivable41€595€1,735▲
Current investments50/53€52,554€0▼
Cash at bank and in hand54/58€8,282€39,422▲
Deferred charges and accrued income490/1€2,746€1,106▼
Equity and liabilities
Total equity and liabilities10/49€147,302€98,748▼
Equity10/15€127,109€88,496▼
Contributions10/11€15,000€15,000=
Reserves13€112,109€73,496▼
Distributable reserves133€112,109€73,496▼
Profit (loss) carried forward14-€0
Amounts payable17/49€20,193€10,252▼
Amounts payable after more than one year17€4,613€0▼
Financial debts170/4€4,613€0▼
Amounts payable within one year42/48€15,420€8,520▼
Current portion of amounts payable after more than one year42€14,618€4,613▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€298€848▲
Suppliers440/4€298€848▲
Other amounts payable47/48€504€3,058▲
Accrued charges and deferred income492/3€160€1,732▲
Income statement Code20242025
Non-recurring operating income76A-€10,958
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,244€12,325▲
Other operating charges640/8€2,130€2,693▲
Gross operating margin9900€9,322€24,354▲
Operating profit (loss)9901-€5,052€9,336▲
Financial income75/76B€43,990€52,798▲
Recurring financial income75€43,990€52,798▲
Financial charges65/66B€601€2,114▲
Recurring financial charges65€601€2,114▲
Profit (loss) for the period before taxes9903€38,337€60,019▲
Income taxes67/77€128€132▲
Profit (loss) for the period9904€38,209€59,887▲
Profit (loss) for the period to be appropriated9905€38,209€59,887▲
Appropriation of the result
Profit (loss) to be appropriated9906€38,209€59,887▲
Transfer from equity791/2-€98,500
Transfer to equity691/2€38,209€59,887▲
To other reserves6921€38,209€59,887▲
Profit to be distributed694/7-€98,500
Return on contributions (dividend)694-€98,500
Social balance sheet
Average headcount (FTE)9087-0.0

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Non-recurring operating income76A---€10,958-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,875€11,810€12,244€12,325▲ 0.7%
Other operating charges640/8€1,896€1,941€2,130€2,693▲ 26.4%
Gross operating margin9900€42,263€17,681€9,322€24,354▲ 161%
Operating profit (loss)9901€33,493€3,930-€5,052€9,336-
Financial income75/76B€212€44,764€43,990€52,798▲ 20.0%
Recurring financial income75€212€44,764€43,990€52,798▲ 20.0%
Financial charges65/66B€768€321€601€2,114▲ 252%
Recurring financial charges65€768€321€601€2,114▲ 252%
Profit (loss) for the period before taxes9903€32,937€48,373€38,337€60,019▲ 56.6%
Income taxes67/77€5,814€1,596€128€132▲ 3.1%
Profit (loss) for the period9904€27,123€46,777€38,209€59,887▲ 56.7%
Profit (loss) for the period to be appropriated9905€27,123€46,777€38,209€59,887▲ 56.7%
Line2022202320242025Change
Assets
Total assets20/58€90,224€139,007€147,302€98,748▼ 33.0%
Fixed assets21/28€55,070€95,369€83,125€56,485▼ 32.0%
Tangible fixed assets22/27€55,020€46,351€34,108€23,807▼ 30.2%
Land and buildings22€28,574€28,065€23,981€19,896▼ 17.0%
Furniture and vehicles24---€1,943-
Leasing and similar rights25€26,446€18,286€10,127€1,967▼ 80.6%
Financial fixed assets28€50€49,018€49,018€32,678▼ 33.3%
Current assets29/58€35,154€43,638€64,177€42,263▼ 34.1%
Amounts receivable within one year40/41€1,686€7,590€595€1,735▲ 191%
Other amounts receivable41€1,686€7,590€595€1,735▲ 191%
Current investments50/53--€52,554€0▼ 100%
Cash at bank and in hand54/58€33,452€35,192€8,282€39,422▲ 376%
Deferred charges and accrued income490/1€16€856€2,746€1,106▼ 59.7%
Equity and liabilities
Total equity and liabilities10/49€90,224€139,007€147,302€98,748▼ 33.0%
Equity10/15€42,123€88,900€127,109€88,496▼ 30.4%
Contributions10/11€15,000€15,000€15,000€15,000=
Reserves13€27,123€73,900€112,109€73,496▼ 34.4%
Distributable reserves133€27,123€73,900€112,109€73,496▼ 34.4%
Profit (loss) carried forward14---€0-
Amounts payable17/49€48,101€50,107€20,193€10,252▼ 49.2%
Amounts payable after more than one year17€33,611€19,231€4,613€0▼ 100%
Financial debts170/4€33,611€19,231€4,613€0▼ 100%
Amounts payable within one year42/48€14,490€30,877€15,420€8,520▼ 44.7%
Current portion of amounts payable after more than one year42€14,149€14,380€14,618€4,613▼ 68.4%
Financial debts43-€12,500€0--
Credit institutions430/8-€12,500€0--
Trade debts44€326€3,875€298€848▲ 184%
Suppliers440/4€326€3,875€298€848▲ 184%
Taxes, remuneration and social security45€15€0---
Remuneration and social security454/9€15€0---
Other amounts payable47/48-€122€504€3,058▲ 507%
Accrued charges and deferred income492/3--€160€1,732▲ 982%
Line2022202320242025Change
Profit (loss) for the period9904€27,123€46,777€38,209€59,887▲ 56.7%
+ Depreciation and write-downs630€6,875€11,810€12,244€12,325▲ 0.7%
Operating cash flow (approximation)€33,997€58,587€50,453€72,213▲ 43.1%
Investment in fixed assets (approximation)--€52,110€0€14,315-
Change in cash-€1,741-€26,911€31,141-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (4)
Financial year Type Filed Reference
31-12-2025 abbreviated format 29-06-2026 2026-00209963
31-12-2024 abbreviated format 17-06-2025 2025-00152254
31-12-2023 abbreviated format 08-07-2024 2024-00218836
31-12-2022 micro format 27-06-2023 2023-00160670

Similar companies · same sector, comparable size

Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,210. 2,619 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 1 of 2 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

Group and network

Holdings and subsidiaries

1 holding

According to the 2025 annual accounts of Wouter Vanbussel and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Connections & network

No directors read yet: 1 of 2 Gazette acts processed.

History

On 5 October 2021, Wouter Vanbussel was incorporated as a private limited company.1 Total assets went from €90,224 in 2022 to €98,748 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2022 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
29-06
NBB filing Annual accounts filed
financial year 2025 · abbreviated format
2025
31-12
Financial Highest result from 2022 to 2025net €59,887 ▲56.7%
Net result €59,887, the highest in the series.
17-06
NBB filing Annual accounts filed
financial year 2024 · abbreviated format
2024
31-12
Financial Liquidity more than doubledcurrent ratio 4.16
Current ratio from 1.41 to 4.16; short-term debt falls from €30,877 to €15,420.
31-12
Financial Equity above €100,000equity €127,109 ▲43%
A profit in every financial year since 2022 builds equity to €127,109.
08-07
NBB filing Annual accounts filed
financial year 2023 · abbreviated format
2023
20-07
Gazette deed Purpose
Purpose change · Amendment of the articles · Power of attorney6 facts ▸
  • General meeting, “buitengewone algemene vergadering” (deed in Dutch)
  • Other provision, “vrijstelling voorlezing verslag bestuursorgaan over voorgestelde voorwerpswijziging, EERSTE BESLUIT” (deed in Dutch)
  • Purpose change
  • Amendment of the articles, 3
  • Power of attorney
  • Registered office clause, “Breekiezel 151,3670 Oudsbergen, VIJFDE BESLUIT” (deed in Dutch)
27-06
NBB filing Annual accounts filed
financial year 2022 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 2 deeds read
About the unread acts

Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded05-10-2021
Financial year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID 0208:0775310904
Also 9925:BE0775310904
Registered 29-07-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 25 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Oudsbergen · 1 establishment unit since 2021
registered office establishment The establishment unit on the map
Ground area
1,643 m²
Building footprint
228 m²
Building volume
1,892 m³
Parcel 72011B0248/00T000, Flanders · tallest building 11.7 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Wouter Vanbussel
Breekiezel 151, 3670 OudsbergenInsurance agents and brokers
since 2021unit no. 2.322.680.341
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
72011B0248/00T000 Flanders 1,643 m² 1 · 228 m² 11.7 m · 3
How the parcels are linked
Good to know
The parcel matches the address exactly.