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Z-Verzekeringen

Active Risk: not assessed
Private limited company (pre-2019)founded 2016active for 10 yearsLangestraat 35, 9620 Zottegem, BelgiumKBO/BCE: BE 0658.787.673

From the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Z-Verzekeringen 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 €187,086 and a net result of €340,764. Equity has been stable since 2018 (±1.8% per year). Its solvency ranks better than 26% of 77 sector peers (NACE 65, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.

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Z-VerzekeringenActive
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Overview

Official details

KBO
Status
Active since 06-07-2016 Normal situation
Legal form
Private limited company (pre-2019)
Registered office
Langestraat 35, 9620 Zottegem
Activity
Insurance, reinsurance and pension funding, except compulsory social security NACE 65121
Establishment units
2.255.309.881 9620 Zottegem, since 06-07-2016
2.255.371.744 9630 Zwalm, since 11-08-2016
Financial year end
31 December
Peppol
Reachable since 07-11-2025
Company details

Board and ownership

Board
  • DE NAEYER FILIPDirector
  • Van Audenhove KrisDirector
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€340,764
▼ 7.8%
Equity
€187,086
▼ 39.9%
Total assets
€945,904
▲ 4.0%
Staff
3.1 FTE
▲ 24.0%
2025 accounts filed 31 days before the deadline
Filed on 30-06-2026at the National Bank
Financials
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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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 30-06-2026, 31 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
31 days early
2024
61 days late
2023
30 days late
2022
56 days late
2021
72 days late
2020
90 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 53 days after the deadline. In the sector (NACE 65), the median for financial year 2024 was 29 days before the deadline, and 28% 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 25 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 95% of companies in insurance and pension fundingsector median €28,885 · 77 companies €340,764 View
  • Positive: 8 profitable years in a rowprofit 2025: €340,764 8 years View
  • Caution: Equity fell in 2025from €311,313 to €187,086 ▼ 39.9% View

Documents

Annual accounts at the NBB

All 9 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Z-Verzekeringen

What is the company number of Z-Verzekeringen?
The company number of Z-Verzekeringen is 0658.787.673. The VAT number is the same number with BE in front: BE 0658.787.673.
Where is Z-Verzekeringen based?
The registered office is at Langestraat 35, 9620 Zottegem.Company details
What does Z-Verzekeringen do?
According to the KBO register, the main activity is insurance, reinsurance and pension funding, except compulsory social security (NACE 65121).
What is the legal form of Z-Verzekeringen?
The legal form of Z-Verzekeringen is Private limited company (pre-2019) (BVBA).
When was Z-Verzekeringen founded?
Z-Verzekeringen was founded on 06-07-2016.
Is Z-Verzekeringen still active?
Yes, Z-Verzekeringen is an active enterprise in the KBO register.
How many employees does Z-Verzekeringen have?
Z-Verzekeringen had an average of 3.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Z-Verzekeringen?
The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €669,456 and 881 comparable companies of the same size. It probably lies between €930,000 and €1.9m. It is a rough estimate.
Is Z-Verzekeringen profitable?
In financial year 2025, Z-Verzekeringen made a profit of €340,764.
Where can I find the annual accounts of Z-Verzekeringen?
Z-Verzekeringen filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Z-Verzekeringen due?
Z-Verzekeringen must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Comparable companies

These companies have the same main activity as Z-Verzekeringen: insurance, reinsurance and pension funding, except compulsory social security (NACE 65121). They are comparable in size and age: total assets between €251,000 and €3.9m, founded between 2001 and 2017.

CompanyTotal assetsGross margin
Z-Verzekeringen Zottegem€0.9m€0.7m
SMA Belgium Elsene€1.8m€2.0m
LIM ASSUR Dalhem€1.1m€0.2m
DELA Enterprises Antwerpen€3.7m€1.1m
MEDIMEX Namur€2.1m€0.7m
SYSWEB - GWAY - DELTACREDIT Dalhem€0.3m€0.2m
TRIALIS Sankt Vith€3.9m€2.1m
Full comparison

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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