Howden Belgium
ActiveSummary
Howden Belgium is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For Howden Belgium, one filing cycle of the annual accounts is missing. The 2023 annual accounts show negative equity (€-3.28M) and a net result of €-1.13M. Equity is shrinking by ~40.1% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
Checked, nothing found (1)
Financials · fiscal year 2023, abbreviated schema
Filed annual accounts As filed with the NBB · 2023 against 2022 · 43 lines
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
25-08
State Gazette act
RestructuringPower of attorney · Merger · Accounting effect7 facts ▸
- Board meeting, 10-08-2026
- Power of attorney, DLA Piper UK LLP
- Merger, vereenvoudigde fusie door overname
- Accounting effect, datum van de goedkeuring van de fusie door de buitengewone algemene vergaderingen van WDR en Howden
- Shareholding, alle aandelen van WDR in het bezit van Howden
- Fiscal treatment, WIB 1992 art. 211 juncto 183bis, art. 212, art. 213; BTW Wetboek art. 11 en art. 18 §3
- Statutes amendment
13-08
State Gazette act
Capital & shares · RestructuringMerger · Accounting effect · Share cancellation5 facts ▸
- Merger
- Accounting effect, 01/01/2026
- Share cancellation
- Dissolution, 16-07-2026
- Power of attorney, DLA Piper UK LLP
14-07
State Gazette act
Resignation: Louise Cable-Alexander (director)Appointment: Laurent Berckmans (director) · Permanent representatives: Jérôme Geenen, Vincent Van Langenacker and Wouter Van den Daele · Director discharge16 facts ▸
- General meeting, 29-06-2026
- Director resignation, Louise Cable-Alexander (director)
- Director discharge, Louise Cable-Alexander
- Director discharge, Louise Cable-Alexander
- Director appointment, Laurent Berckmans (director)
- Mandate compensation, Laurent Berckmans
- Board composition, Pascal Van Rhijn (director)
- Board composition, Enrico Nanni (director)
- Board composition, AJG Management BV (director)
- Permanent representative, Jérôme Geenen
- Board composition, VLA BV (director)
- Permanent representative, Vincent Van Langenacker
- +4 further facts in this act
08-01
State Gazette act
Appointment: Ernst & Young Bedrijfsrevisoren (statutory auditor)Capital increase · Share issue · Inbreng5 facts ▸
- Capital increase, €20.000.000
- Share issue, nieuwe aandelen, 70369060
- Auditor appointment, Ernst & Young Bedrijfsrevisoren (statutory auditor)
- Inbreng, vordering, nominale waarde
- Definitive, definitief
09-10
State Gazette act
Capital & sharesCapital increase · Share issue · Capital decrease6 facts ▸
- Capital increase, €12.000.000
- Share issue, nieuwe aandelen zonder vermelding van nominale waarde, 12000000
- Capital decrease, €8.633.430,91
- Statutes amendment
- Statutes amendment
- Power of attorney, DLAPiper
17-09
State Gazette act
Resignations: Marins BV (managing director) and Pascale van Rhijn (managing director)Appointment: Patrick De Baets (managing director) · Permanent representative: Wouter Van den Daele · Director discharge7 facts ▸
- Board meeting, 29-07-2025
- Director resignation, Marins BV (managing director)
- Director resignation, Pascale van Rhijn (managing director)
- Director discharge, Marins BV
- Director discharge, Pascale van Rhijn
- Director appointment, Patrick De Baets (managing director)
- Permanent representative, Wouter Van den Daele
15-01
State Gazette act
Resignation: RISKCare BV (director)Appointments: Marins BV, Enrico Nanni and Pascale van Rhijn · Permanent representatives: Wouter Van den Daele, Jérôme Geenen and Vincent Van Langenacker · Mandate compensation22 facts ▸
- General meeting, 31-10-2024
- Director resignation, RISKCare BV (director)
- Director appointment, Marins BV (director)
- Director appointment, Enrico Nanni (director)
- Mandate compensation, Marins BV
- Mandate compensation, Enrico Nanni
- Board composition, Pascal Van Rhijn (director)
- Board composition, Louise Cable-Alexander (director)
- Board composition, Enrico Nanni (director)
- Board composition, AJG Management BV (director)
- Board composition, VLA BV (director)
- Board composition, Marins BV (director)
- +10 further facts in this act
09-07
State Gazette act
Appointments: VLA BV (director) and AJG Management BV (director)Permanent representatives: Vincent Van Langenacker and Jérôme Geenen · Reappointment: EY Bedrijfsrevisoren (statutory auditor) · Mandate compensation15 facts ▸
- General meeting, 27-03-2024
- Director appointment, VLA BV (director)
- Permanent representative, Vincent Van Langenacker
- Mandate compensation, VLA BV
- Director appointment, AJG Management BV (director)
- Permanent representative, Jérôme Geenen
- Mandate compensation, AJG Management BV
- Auditor reappointment, EY Bedrijfsrevisoren
- Board meeting, 27-03-2024
- Board composition, RISKCare BV ((gedelegeerd) bestuurder)
- Board composition, Louise Cable-Alexander (director and chair of the board)
- Board composition, Pascale Van Rhijn (director)
- +3 further facts in this act
26-10
State Gazette act
RestructuringMerger · Accounting effect · Share cancellation6 facts ▸
- Merger, 29-09-2023
- Accounting effect, 01-10-2023
- Share cancellation
- Power of attorney, CMS DeBacker
- Statutes amendment
- Activity cessation, de Overnemende Vennootschap de activiteiten uit de omschrijving van het voorwerp van de Overgenomen Vennootschap die de Overnemende Vennootschap tot op negenent…
Show earlier events
21-08
State Gazette act
RestructuringPermanent representatives: Herman Kerremans, Christel Weymeersch and 2 others · Appointment: EY Bedrijfsrevisoren (statutory auditor) · Merger30 facts ▸
- Merger, absorption, 01-10-2023
- Accounting effect, 01-10-2023
- Purpose change, Uitbreiding met: -Alle activiteiten als makelaar in hypothecair krediet. -Alle vastgoedtransacties in de ruimste zin van het woord, en in het bijzonder het behe…
- Board composition, RISKCare BV (director)
- Board composition, Louise Cable-Alexander (director)
- Board composition, Pascale Van Rhijn (director)
- Board composition, RISKCare BV (managing director)
- Permanent representative, Herman Kerremans
- Auditor appointment, EY Bedrijfsrevisoren
- Permanent representative, Christel Weymeersch
- Board composition, PERSEPCTIVES et MANAGEMENT NV (director)
- Board composition, B. CLAESSENS et ASSOCIES (director)
- +18 further facts in this act
19-06
State Gazette act
Permanent representatives: Christophe Boschmans and Herman KerremansResignation: Christel Weymeersch (permanent representative) · Appointment: RISKCare BV (director)4 facts ▸
- Permanent representative, Christophe Boschmans
- Director resignation, Christel Weymeersch (permanent representative)
- Director appointment, RISKCare BV
- Permanent representative, Herman Kerremans
22-11
State Gazette act
Appointments: EY Bedrijfsrevisoren BV (statutory auditor) and RISKCare BV (director)Permanent representatives: Christel Weymeersch and Herman Kerremans · Registered-office move · Power of attorney11 facts ▸
- General meeting, 13-12-2021
- Registered-office move, Belgicastraat 1, 1930 Zaventem
- Auditor appointment, EY Bedrijfsrevisoren BV (statutory auditor)
- Permanent representative, Christel Weymeersch
- Power of attorney, Moore Finance & Tax BV
- Power of attorney, Tanja De Naeyer
- Power of attorney, Julie De Roy
- Power of attorney, Dominique Jaminet
- Power of attorney, Vanessa Jacobs
- Director appointment, RISKCare BV
- Permanent representative, Herman Kerremans
28-04
State Gazette act
Statutes amendment1 fact ▸
- Statutes amendment
11-04
State Gazette act
Appointment: Pascale Van Rhijn (director)Permanent representative: Herman Kerremans · Shareholder written decision · Mandate compensation8 facts ▸
- Shareholder written decision, 22-03-2022
- Director appointment, Pascale Van Rhijn (director)
- Mandate compensation, Pascale Van Rhijn
- Board composition, RISKCare BV (director)
- Permanent representative, Herman Kerremans
- Board composition, Louise Cable-Alexander (chair)
- Board composition, Pascale Van Rhijn (director)
- Statutes amendment
30-09
State Gazette act
Registered officeRegistered-office move2 facts ▸
- Board meeting, 08-09-2020
- Registered-office move, Belgicastraat 1 (3de verdieping), 1932 Zaventem
31-03
State Gazette act
IncorporationAppointments: RISKCare BV (director) and CABLE-ALEXANDER, Louise (director) · Permanent representative: KERREMANS, Herman · Founder9 facts ▸
- Incorporation, 26-03-2020
- Founder, Howden Broking Group Ltd
- Founding capital, €61.500
- Bank account, HSBC France, Brussels Branch
- Director appointment, RISKCare BV (director)
- Permanent representative, KERREMANS, Herman
- Director appointment, CABLE-ALEXANDER, Louise (director)
- Director appointment, RISKCare BV (managing director)
- Director appointment, CABLE-ALEXANDER, Louise (chair)
Directors · office · real estate
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.
Belgicastraat 11930 Zaventem6 establishment units
6 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0041/00S000 | Flanders | 1.4 ha | 1 · 2,696 m² | 21.4 m · 6 fl. |
| 23094D0031/00H000 | Flanders | 5,120 m² | 1 · 1,333 m² | 20.4 m · 5 fl. |
| 21612C0257/00V000 | Brussels | 3,242 m² | 1 · 817 m² | 20.8 m · 6 fl. |
| 41302C0999/00F004 | Flanders | 3,006 m² | 1 · 417 m² | 41.9 m · 13 fl. |
| 62002C0087/00B000 | Wallonia | 2,598 m² | 1 · 243 m² | 10.9 m · 2 fl. |
| 34040C1371/00M000 | Flanders | 1,901 m² | 1 · 1,129 m² | 17.2 m |
Linked by address, not proof of ownership
Statutory auditor
1 auditor| Ernst & Young BedrijfsrevisorenCurrent Statutory auditor | 06-01-2026 → present |
Show 2 earlier auditors
| Ernst et Young Reviseurs d'Entreprises Auditor · represented by Christophe Boschmans succeeded by EY Bedrijfsrevisoren in 2023 | 13-12-2021 → 29-09-2023 |
| EY Bedrijfsrevisoren Auditor · represented by Christel Weymeersch succeeded by Ernst & Young Bedrijfsrevisoren in 2026 | 29-09-2023 → 06-01-2026 |
Articles of association
Full purpose
De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, in eigen naam dan wel voor rekening van derden: Het uitoefenen van activiteiten van makelaar, gemachtigde, tussenpersoon, adviseur of consultant voor verzekering of herverzekering. Het verwerken, regelen, aanpassen en structureren van schadevorderingen, en het optreden als gemachtigde met betrekking tot deze vorderingen. De schadepreventie en het risicomanagement. Het uitvoeren van alle administratieve taken in andere al dan niet verbonden juridische entiteiten, onder andere door het uitoefenen van een bestuursmandaat, agentschap, deelname aan een directie- of vereffeningscomité, alsook de uitvoering van alle taken en functies die rechtstreeks of onrechtstreeks verband houden met het voorwerp van de vennootschap. De vennootschap mag, rechtstreeks dan wel onrechtstreeks, door middel van overdracht, splitsing, fusie, inschrijving of aankoop van financiële instrumenten, door middel van financiële tussenkomst of op welke manier dan ook, aandeel nemen in alle bedrijven, ondernemingen, verenigingen of vennootschappen die hetzelfde of een gelijkaardig voorwerp nastreven, of een voorwerp dat eenvoudigweg nuttig zou kunnen zijn voor de verwezenlijking van haar voorwerp. De vennootschap mag alle roerende en onroerende activa, die nuttig zijn voor de verwezenlijking van haar voorwerp, aankopen, leasen, huren, ontwikkelen, verkopen of ruilen; tevens mag de vennootschap alle merken, patenten en licenties nemen, verkrijgen, kopen of verkopen, en in het algemeen, alle commerciële industriële en burgerlijke verhandelingen aangaan, roerende of onroerende, die verband houden met het voorwerp van de vennootschap, of die bijdragen tot de realisatie ervan. Te dien einde mag de vennootschap op rechtstreekse of onrechtstreekse wijze samenwerken met, deelnemen in of op welke manier dan ook belangen nemen in alle ondernemingen, alsook verbintenissen aangaan, kredieten en leningen toekennen en zekerheden stellen voor derden, daarin begrepen haar eigen bedrijf. Kortom, de vennootschap mag alle handelingen stellen die rechtstreeks of onrechtstreeks verbonden zijn met haar voorwerp, of dewelke haar bedrijfsontwikkeling ondersteunen.
Structure & network
Connections & network
14 connected companiesShow 10 more companies with a shared director
Acquisitions and mergers
3 transactionsCapital and shareholders
- Howden Broking Group Ltd founder
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-01-2026 Capital increase of 20,000,000 EUR · to 23,428,069.09 EUR · 70,369,060 new shares · in kind
- 09-10-2025 Capital increase of 12,000,000 EUR · to 12,061,500 EUR · 12,000,000 new shares · in kind
- 09-10-2025 Capital reduction of 8,633,430.91 EUR · to 3,428,069.09 EUR · “procedure van artikel 7:210 WVV”
- 31-03-2020 Incorporation · 61,500 EUR · 61,500 shares
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 15,601 EUR awarded · 12,909 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | -1,638 EUR | 0 EUR |
| 2024 | 2 | 16,500 EUR | 12,909 EUR |
| 2023 | 1 | 739 EUR | 0 EUR |
Similar companies · same sector, comparable size
Company data · Crossroads Bank
Scores and ratios are computed by Checked and are not a credit decision.