Verbond der Verenigingen van Onderlinge Verzekering

Active

Non-profit associationfounded 197155 yrs activeKoningsstraat 151, 1210 Sint-Joost-ten-Node, BelgiumKBO/BCE: BE 0408.255.578

Summary

Verbond der Verenigingen van Onderlinge Verzekering has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €339k and a net result of €4k. The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2025

86 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability40

Solvency100

Growth-

Track record85

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

short-term debt: 0.1% and cash: 99.4% of total assets, and 0.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

99.9%

Return on assets

1.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

74 d early

← before the deadline after the deadline →

Checked, nothing found (1)

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 2025, micro schema

Equity

€339k

Total assets

€339k

Net result

€4k

Working capital

€339k

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

Balance-sheet composition

Equity and liabilities €339k

99.9%

Equity €339k

Debt €400

Debt finances 0.1% of the balance-sheet total.

Key figures and ratios

2025 value

Debt to equity

0.00

ROE

1.1%

ROA

1.1%

Debt ≤ 1 year

€400

A ratio outside any meaningful range has been withheld (balance sheet total €339k, equity €339k).

Filed annual accounts As filed with the NBB · 2025 · 21 lines

Balance sheet Code2025

Assets

Total assets20/58€339k

Current assets29/58€339k

Cash at bank and in hand54/58€337k

Deferred charges and accrued income490/1€2k

Equity and liabilities

Total equity and liabilities10/49€339k

Equity10/15€339k

Reserves13€153k

Profit (loss) carried forward14€186k

Amounts payable17/49€400

Amounts payable within one year42/48€400

Trade debts44€400

Suppliers440/4€400

Income statement Code2025

Gross operating margin9900€4k

Operating profit (loss)9901€4k

Financial charges65/66B€507

Recurring financial charges65€507

Profit (loss) for the period before taxes9903€4k

Profit (loss) for the period9904€4k

Profit (loss) for the period to be appropriated9905€4k

Appropriation of the result

Profit (loss) to be appropriated9906€186k

Profit (loss) brought forward from the previous period14P€182k

Download as CSV

Timeline · acts, filings and financial milestones

All 21Gazette 20Filings 1

2026

30-06

State Gazette act Resignations: Herman FALSTE (director) and Hilde VERNAILLEN (director)

Appointments: Frédéric MELLE (director) and Jeroen SPINOY (director) · Reappointment: Jean-Charles DE VIRON (director) · Mandate compensation18 facts ▸

General meeting, 04/05/2026
Director resignation, Herman FALSTE (director)
Director appointment, Frédéric MELLE (director)
Director resignation, Hilde VERNAILLEN (director)
Director appointment, Jeroen SPINOY (director)
Director appointment, Jeroen SPINOY (chair of the board)
Director reappointment, Jean-Charles DE VIRON (director)
Mandate compensation, VERBOND DER VERENIGINGEN VAN ONDEREINGETAATSBLAD VERZEKERING
Board composition, Jean-Charles DE VIRON (director)
Board composition, Frédéric MELLE (director)
Board composition, Koen KNAEPEN (director)
Board composition, Isabel BOOGERS (director)
+6 further facts in this act

18-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

06-02

State Gazette act Resignations: Eric BOMBEY, Danny VANWELKENHUYZEN and Dirk VANDERSCHRICK

Appointments: Charles FANNEAU DE LA HORIE, Koen KNAEPEN and 2 others · Reappointments: Nico LODEWIJKS, Tom DE TROCH and 4 others · Mandate compensation25 facts ▸

General meeting, 27-06-2025
Director resignation, Eric BOMBEY (director)
Director resignation, Danny VANWELKENHUYZEN (director)
Director resignation, Dirk VANDERSCHRICK (director)
Director appointment, Charles FANNEAU DE LA HORIE (director)
Director appointment, Koen KNAEPEN (director)
Director reappointment, Nico LODEWIJKS (director)
Director reappointment, Tom DE TROCH (director)
Director reappointment, Philippe VANDEKERCKHOVE (director)
Director reappointment, Hilde VERNAILLEN (director)
Director reappointment, Koen KNAEPEN (director)
Director appointment, Isabel BOOGERS (director)
+13 further facts in this act

2024

18-04

State Gazette act Statutes amendment

3 facts ▸

General meeting, 31-01-2024
Statutes amendment
Statutes amendment

02-01

State Gazette act Appointments: Jean-Charles de Viron, Dirk Vanderschrick and 2 others

Resignations: Eddy Belmans, Danny Vanwelkenhuyzen and 3 others20 facts ▸

General meeting, 28-06-2023
Director appointment, Jean-Charles de Viron (director)
Director resignation, Eddy Belmans (director)
Director resignation, Danny Vanwelkenhuyzen (director)
Director appointment, Dirk Vanderschrick (director)
Director appointment, Jean-Denis Treillard (director)
Director appointment, Danny Vanwelkenhuyzen (director)
Director resignation, Henri Dewanckele (director)
Director resignation, Michel Terlinden (director)
Director resignation, Jean-Claude Debussche (director)
Board composition, Jean-Charles de Viron (director)
Board composition, Herman Falsté (director)
+8 further facts in this act

2022

13-07

State Gazette act Resignation: Véronique Borlon (director)

2 facts ▸

General meeting, 14-12-2021
Director resignation, Véronique Borlon (director)

27-04

State Gazette act Resignations: Nico Lodewijks, Thomas Meeus and 3 others

Appointments: Eddy Belmans, Tom De Troch and 2 others · Reappointments: Eric Bombey, Michel Terlinden and Philippe Vandekerckhove14 facts ▸

General meeting, 23-06-2021
Director resignation, Nico Lodewijks (director)
Director appointment, Eddy Belmans (director)
Director resignation, Thomas Meeus (director)
Director appointment, Tom De Troch (director)
Director reappointment, Eric Bombey (director)
Director reappointment, Michel Terlinden (director)
Director reappointment, Philippe Vandekerckhove (director)
Director resignation, Francis Weyten (director)
Director resignation, Francis Colaris (director)
Director resignation, Philippe Lallemand (director)
Director appointment, Nico Lodewijks (director)
+2 further facts in this act

21-02

State Gazette act Registered office · Statutes amendment

Statutes amendment · Registered-office move · Power of attorney5 facts ▸

General meeting, 14-12-2021
Statutes amendment
Registered-office move, Koningsstraat 151, te Sint-Joost-ten-Noode (1210 Brussel)
Power of attorney, Dimitri CLEENEWERCK de CRAYENCOUR
Power of attorney, David Richelle

05-01

State Gazette act Reappointments: Herman Falsté (director) and Tom Meeus (director)

Resignation: Philippe Delfosse (director) · Appointment: Véronique Borlon (director) · Mandate term6 facts ▸

General meeting, 29-06-2020
Director reappointment, Herman Falsté (director)
Director reappointment, Tom Meeus (director)
Director resignation, Philippe Delfosse (director)
Director appointment, Véronique Borlon (director)
Mandate term, 4 years, until the general meeting in 2025

2019

25-07

State Gazette act Reappointments: Henri Dewanckele, Nico Lodewijks and Danny Vanwelkenhuyzen

4 facts ▸

General meeting, 28-06-2019
Director reappointment, Henri Dewanckele (director)
Director reappointment, Nico Lodewijks (director)
Director reappointment, Danny Vanwelkenhuyzen (director)

2018

13-09

State Gazette act Resignation: Ann Geivaerts (director)

Appointment: Philippe Vandekerckhove (director)3 facts ▸

General meeting, 18-06-2018
Director resignation, Ann Geivaerts (director)
Director appointment, Philippe Vandekerckhove (director)

2017

25-10

State Gazette act Resignation: Bernard Thiry (director)

Reappointments: Ann GEIVAERTS, Francis COLARIS and Francis WEYTEN · Appointment: Philippe LALLEMAND (director)6 facts ▸

General meeting, 16-06-2017
Director resignation, Bernard Thiry (director)
Director reappointment, Ann GEIVAERTS (director)
Director reappointment, Francis COLARIS (director)
Director reappointment, Francis WEYTEN (director)
Director appointment, Philippe LALLEMAND (director)

Show earlier events

2016

22-09

State Gazette act Reappointments: Herman FALSTE, Tom MEEUS and Philippe DELFOSSE

Appointments: Michel TERLINDEN (director) and Eric BOMBEY (director)6 facts ▸

General meeting, 08-06-2016
Director reappointment, Herman FALSTE (director)
Director reappointment, Tom MEEUS (director)
Director reappointment, Philippe DELFOSSE (director)
Director appointment, Michel TERLINDEN (director)
Director appointment, Eric BOMBEY (director)

2015

31-07

State Gazette act Reappointments: Dewanckele, Lodewijks and Vanwelkenhuyzen

4 facts ▸

General meeting, 09-06-2015
Director reappointment, Dewanckele (director)
Director reappointment, Lodewijks (director)
Director reappointment, Vanwelkenhuyzen (director)

2014

04-09

State Gazette act Registered office

Registered-office move2 facts ▸

General meeting, 21-06-2014
Registered-office move, Aarienstraat 53, 1040 Brussel

2013

16-07

State Gazette act Reappointments: Ann GEIVAERTS, Bernard THIRY and Francis COLARIS

Appointment: Francis WEYTEN (director)5 facts ▸

General meeting, 21-06-2013
Director reappointment, Ann GEIVAERTS (director)
Director reappointment, Bernard THIRY (director)
Director reappointment, Francis COLARIS (director)
Director appointment, Francis WEYTEN (director)

2012

20-07

State Gazette act Reappointments: Herman FALSTE (director) and Francis VROMAN (director)

Appointment: Philippe DELFOSSE (director)4 facts ▸

General meeting, 15-06-2012
Director reappointment, Herman FALSTE (director)
Director reappointment, Francis VROMAN (director)
Director appointment, Philippe DELFOSSE (director)

2011

30-08

State Gazette act Reappointments: Henri DEWANCKELE, Nico LODEWIJKS and Danny VANWELKENHUYZEN

Resignation: Martin WILLEMS (director) · Appointment: Francis COLARIS (director)6 facts ▸

General meeting, 21-06-2011
Director reappointment, Henri DEWANCKELE (director)
Director reappointment, Nico LODEWIJKS (director)
Director reappointment, Danny VANWELKENHUYZEN (director)
Director resignation, Martin WILLEMS (director)
Director appointment, Francis COLARIS (director)

2010

26-08

State Gazette act Resignations: Luc Deflem (director) and Freddy Corlier (rekeningcommissaris)

Appointment: Henri Dewanckele (director)5 facts ▸

General meeting, 25-06-2010
Director resignation, Luc Deflem (director)
Director resignation, Freddy Corlier (rekeningcommissaris)
Director appointment, Henri Dewanckele (director)
Auditor appointment, Henri Dewanckele (rekeningcommissaris)

2009

14-09

State Gazette act Reappointments: Jean Claude Debussche (director) and Bernard Thiry (director)

Resignation: Jacques Forest (director) · Appointments: Martin Willems (director) and Bernard Thiry (chair of the board)7 facts ▸

General meeting, 24-06-2009
Director reappointment, Jean Claude Debussche (director)
Director reappointment, Bernard Thiry (director)
Director resignation, Jacques Forest (director)
Director appointment, Martin Willems (director)
Board meeting, 24-06-2009
Director appointment, Bernard Thiry (chair of the board)

2004

20-07

State Gazette act Capital & shares · Statutes amendment

Name change · Statutes amendment8 facts ▸

General meeting, 11-06-2004
Name change, Verbond van de Verenigingen van Onderlinge Verzekering, van Coöperatieve Verzekeringsvenootschappen en van Mutualistisch getinte Verzekeringsvenootschappen
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment

State Gazette actNBB filingAn act published in both Dutch and French appears here once.

Directors · office · real estate

Directors

18 directors, no change since 2026

Jeroen SPINOY

Chair of the board · since 04-05-2026

Current

Frédéric MELLE

Director · since 01-10-2025

Current

Isabel BOOGERS

Director · since 01-07-2025

Current

Koenraad KNAEPEN

Director · since 27-06-2025

Current

Charles FANNEAU DE LA HORIE

Director · since 10-02-2025

Current

Koen KNAEPEN

Director · since 10-02-2025

Current

12 other directors

Jean-Denis Treillard

Director · since 28-06-2023

Current

Jean-Charles DE VIRON

Director · since 30-11-2022

Current

Nico LODEWIJKS

Director · since 23-06-2021

Current

Tom DE TROCH

Director · since 23-06-2021

Current

Philippe VANDEKERCKHOVE

Director · since 18-06-2018

Current

Tom MEEUS

Director · since 21-06-2014

Current

Philippe LALLEMAND

Director · since 16-06-2017

Not recently confirmed

Philippe DELFOSSE

Director · since 15-06-2012

Not recently confirmed

Dewanckele

Director

Not recently confirmed

Lodewijks

Director

Not recently confirmed

Vanwelkenhuyzen

Director

Not recently confirmed

Jean Claude Debussche

Director

Not recently confirmed

04-05-2026 Jeroen SPINOY: Appointed as Chair of the board

04-05-2026 Jeroen SPINOY: Appointed as Director

04-05-2026 Jean-Charles DE VIRON: Mandate renewed as Director

04-05-2026 Hilde VERNAILLEN: Resigned as Director

01-10-2025 Frédéric MELLE: Appointed as Director

Full history in the Timeline (62 changes) →

Location & real-estate footprint

Registered office, Sint-Joost-ten-Node

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.

Koningsstraat 1511210 Sint-Joost-ten-Node

Ground area

2,406 m²

Building footprint

1,878 m²

Volume, LiDAR

72,719 m³

Parcel 21014A0484/00C000, Brussels · tallest building 71.4 m, ±12 floors. Linked by address, not a title deed.

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21014A0484/00C000	Brussels	2,406 m²	1 · 1,878 m²	71.4 m · 12 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.

Statutory auditor

Henri DEWANCKELE

Rekeningcommissaris

25-06-2010 → 26-08-2010

Articles of association

Purpose

Het promoten van de verzekering onder mutualistische of coöperatieve vorm. Activiteiten: groeperen van instellingen, verspreiden van principes, informatie-uitwisseling, vrijwaren…

Full purpose

Het promoten van de verzekering onder mutualistische of coöperatieve vorm. Activiteiten: groeperen van instellingen, verspreiden van principes, informatie-uitwisseling, vrijwaren van rechten en belangen van leden.

according to the deed of 18-04-2024