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Insurance, reinsurance and pension funding, except compulsory social security

NACE 6530 · division 65 Insurance and pension funding
Current registrations 31division 65: 440
Starters, 12 months 13.2 per 100 · Belgium 8.8
Employment (FTE) 62 employers · latest accounts
Median age 19.1 yearsBelgium 8.1 years
E-invoicing via Peppol 38.7%12 of 31 companies in the Peppol Directory · Belgium 85.0%

No bankruptcy in the past five years.

20 companies file their annual accounts outside the standard format, for example in a sector format. Their figures and staff are missing from the employment, the medians and the largest employers.

Show the 20 companies

Activities

NACE 6530 · 1 activity
Activity Registrations Starters, 12 months Bankruptcies, 12 months FTE
Insurance, reinsurance and pension funding, except compulsory social security65300 31 1 0 6

Spread across the country

by region and province · 31 of 31 enterprises with a registered office on file · a sole trader has no published seat
  • Brussels 17 · 54.8%
  • Flanders 9 · 29.0%
  • Wallonia 4 · 12.9%
  • Abroad 1 · 3.2%
fewer moremax 17

The balance sheets of division 65 on the map, by municipality and down to the address

Largest employers

NACE 6530 as first main activity · staff from the latest accounts
  1. 1 SEFOCAMBrussels 4.3 FTEfinancial year 2025
  2. 2 LIANTIS SOLIDARITEITSFONDSBrussels 2.0 FTEfinancial year 2025

Companies

31 with this main activity

Joint committees

from the latest accounts of 2 companies
  • 335 Services and support for business and the self-employed 1
  • 337 Auxiliary committee for the non-profit sector 1

Source: the annual accounts at the National Bank. One filing can name more than one committee.

Division 65: Insurance and pension funding

Filed accounts of the division

NACE division 65 · financial year 2025 · 177 filed annual accounts
Median solvency
47.6%
Belgium 46.1%
Median net result
€46,654
Belgium €16,539
Median equity
€187,599
Belgium €98,485
Loss-making
15.8%
Belgium 26.7%
Negative equity
4.5%
Belgium 12.4%
Median return on equity
21.7%
Belgium 15.9%
Median liquidity
1.88
Belgium 1.66
Filed late
27.6%
financial year 2024, 279 filings · Belgium 38.4%
Missing or 90 days late
3.2%
of 188 companies with annual accounts · Belgium 5.4%
Per financial year20182019202020212022202320242025
Median solvency --32.6%34.3%41.6%40.4%42.0%46.6%
Median net result --€21,261€27,211€34,626€41,807€47,220€45,104
Filed late 30.0%39.7%34.6%35.3%29.3%27.5%27.6%-

Hold your customer's or competitor's figures against them in the Sector benchmark

Bankruptcies per year in division 65

Per year20152018201920202023202420252026
Bankruptcies41311111
Jobs lost61612211

2026 through July. Every bankruptcy, also of companies that have since left the register. Source: Statbel (Directorate-General Statistics), NACE classification of 2008.

Staff cost per FTE in NACE division 65

47 employers
Median
€73,500
Belgium €61,400
Middle half
€61,100 to €90,000
half of the employers lie between
Place among sectors
20 of 78
sectors with a median staff cost per FTE, highest first
By size class
SizeMedianMiddle halfEmployers
fewer than 10 FTE €68,300 €60,100 to €85,200 36

Employers with the highest staff cost per FTE in this division All sectors by staff cost In the Analysis workbench

Foreign control in NACE division 65

414 registered companies
Companies with a foreign parent
4.8%
20 of 414; Belgium 0.3%
Staff at those companies
19%
135 of 705 FTE; Belgium 14%

Main parent countries: Germany (6), Luxembourg (3) and France (2).Show on the map by municipality

Subsidies in this sector

per register · legal entities with an enterprise number
  • Flemish subsidies €1.7m awarded 47 recipients · 2022 to 2025 · largest: Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
  • Federal transfers 29,057 amount as published 1 recipient · 2023 to 2024 · largest: Bijdragen van België aan internationale organismen (cf. art.2.14.6 van de wetsbepalingen)
  • EU budget €165.5m attributed share 11 recipients · 2021 to 2025 · largest: Rents and purchases
  • EU research €3.0m EU contribution 2 recipients · 2015 to 2026 · largest: Horizon 2020

Explore every recipient in this sector

Insights on Insurance, reinsurance and pension funding, except compulsory social security

Inflow and structure. Brussels holds 56.7% of the seats, against 12.5% in Belgium. Half of the companies are younger than 19.1 years, against 8.1 years in Belgium. 0.0% of the companies are sole traders, against 41.6% in Belgium.

Staff and filing. The 2 largest employers hold 6 of the 6 FTE: 100.0%.

The comparison with Belgium as a whole and with the other divisions is as of 05-11-2026 05:30.

Method and sources

Every company registered today counts under its main activities in the KBO. Establishment units do not count. Staff counts once, under the employer's first main activity, from its latest accounts and only where it fits the staff costs. The count follows the NACE 2025 classification, the version in which code 6530 exists.

The bankruptcies over five years count only companies still registered today, because the activity of a company that left the register is not kept. So they are fewer than the bankruptcies of those years, and the figure is not a probability for the future. Over twelve months the count is nearly complete, because a bankrupt company stays registered while its bankruptcy runs. A company with more than one main activity counts in each of those sectors.

The comparison with Belgium as a whole and with the other NACE divisions rests on an overview of every division, counted again each night. Each division is counted in the version of the NACE classification in which it exists. A standing such as "more than in 80%" compares with the other divisions that have the figure. A division's bankruptcy probability is the median over its companies with a score. Belgium here counts the 1,275,887 companies with a main activity, because only those belong to a division. The other 699,448 registrations publish no activity.

For NACE 6530, 5 annual accounts of financial year 2025 were filed. That is too few for a median, which needs at least 30.

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