Summary
ADD 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 €4.11M and a net result of €4.19M. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 18% of 490 sector peers (fiscal year 2025). The company has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 490 sector peers (2025).
NBB · sector comparisonPosition among 490 sector peers
Solvency
better than 18%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
73 d early
2023
84 d early
2022
45 d early
2021
83 d early
2020
32 d early
2019
98 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.11M▲ 0.6%
2024 · €4.08M
2018: €3.97M
2019: €4.23M
2021: €4.07M
2022: €3.94M
2023: €4.07M
2024: €4.08M
2018 → 2025
Net result
€4.19M▼ 1.6%
2024 · €4.26M
2018: €2.85M
2019: €4.55M
2021: €3.82M
2022: €2.52M
2023: €4.44M
2024: €4.26M
2018 → 2025
Total assets
€37.83M▲ 11.6%
2024 · €33.88M
2018: €24.62M
2019: €26.88M
2021: €23.41M
2022: €21.92M
2023: €28.37M
2024: €33.88M
2018 → 2025
Solvency
10.9%▼ 1.2pp
2024 · 12.0%
2018: 16.1%
2019: 15.7%
2021: 17.4%
2022: 18.0%
2023: 14.3%
2024: 12.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17.84M-€18.67M▲ 4.7%€20.80M▲ 11.4%€23.31M▲ 12.1%€25.51M▲ 9.4%
Equity€4.07M-€3.94M▼ 3.0%€4.07M▲ 3.1%€4.08M▲ 0.4%€4.11M▲ 0.6%
Operating result€4.80M-€4.65M▼ 3.1%€5.13M▲ 10.3%€5.31M▲ 3.5%€5.40M▲ 1.6%
Net result€3.82M-€2.52M▼ 33.9%€4.44M▲ 76.1%€4.26M▼ 4.0%€4.19M▼ 1.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37.83M
Fixed assets
€3.28M ▲ 65.0%
Current assets
€34.55M ▲ 8.3%
Equity and liabilities €37.83M
Equity
€4.11M ▲ 0.6%
Provisions
€1.07M ▲ 226%
Debt
€32.65M ▲ 10.8%
Debt's share of the balance-sheet total falls from 87.0% to 86.3%. Equity and debt are higher.
Key figures and ratios
ROE
102.1%▼
2024 · 104.5%
ROA
11.1%▼
2024 · 12.6%
Debt ≤ 1 year
€31.06M▲
2024 · €27.45M
Income taxes
€1.65M▲
2024 · €1.46M
Staff costs
€13.17M▲
2024 · €12.49M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 80 lines
Balance sheet
Code20242025
Assets
Total assets20/58€33.88M€37.83M▲
Fixed assets21/28€1.98M€3.28M▲
Intangible fixed assets21€544k€2.35M▲
Tangible fixed assets22/27€439k€848k▲
Plant, machinery and equipment23€419k€325k▼
Furniture and vehicles24€6k€13k▲
Other tangible fixed assets26€15k€510k▲
Financial fixed assets28€1.00M€76k▼
Affiliated companies280/1€1.00M€0▼
Participating interests280€1.00M€0▼
Other financial fixed assets284/8€1k€76k▲
Amounts receivable and cash guarantees285/8€1k€76k▲
Current assets29/58€31.90M€34.55M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€5.85M€7.82M▲
Trade receivables40€3.47M€4.76M▲
Other amounts receivable41€2.39M€3.07M▲
Current investments50/53€13.05M€16.61M▲
Other investments51/53€13.05M€16.61M▲
Cash at bank and in hand54/58€11.78M€8.96M▼
Deferred charges and accrued income490/1€1.22M€1.15M▼
Equity and liabilities
Total equity and liabilities10/49€33.88M€37.83M▲
Equity10/15€4.08M€4.11M▲
Contributions10/11€2.75M€2.75M=
Capital10€2.75M€2.75M=
Issued capital100€2.75M€2.75M=
Reserves13€1.17M€1.17M=
Non-distributable reserves130/1€295k€295k=
Legal reserve130€275k€275k=
Other1319€20k€20k=
Tax-exempt reserves132€873k€873k=
Profit (loss) carried forward14€163k€189k▲
Provisions and deferred taxes16€329k€1.07M▲
Provisions for liabilities and charges160/5€329k€1.07M▲
Pensions and similar obligations160€76k€236k▲
Other liabilities and charges164/5€253k€836k▲
Amounts payable17/49€29.47M€32.65M▲
Amounts payable within one year42/48€27.45M€31.06M▲
Trade debts44€21.28M€24.59M▲
Suppliers440/4€21.28M€24.59M▲
Taxes, remuneration and social security45€1.92M€2.31M▲
Taxes450/3€86k€208k▲
Remuneration and social security454/9€1.84M€2.10M▲
Other amounts payable47/48€4.25M€4.17M▼
Accrued charges and deferred income492/3€2.02M€1.59M▼
Income statement
Code20242025
Operating income70/76A€24.28M€27.13M▲
Turnover70€23.31M€25.51M▲
Other operating income74€897k€1.41M▲
Non-recurring operating income76A€76k€219k▲
Operating charges60/66A€18.97M€21.74M▲
Services and other goods61€5.98M€6.74M▲
Remuneration, social security and pensions62€12.49M€13.17M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€427k€735k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€29k€29k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-50k€242k▲
Other operating charges640/8€92k€789k▲
Non-recurring operating charges66A€0€25k▲
Operating profit (loss)9901€5.31M€5.40M▲
Financial income75/76B€284k€442k▲
Recurring financial income75€278k€442k▲
Income from current assets751€263k€409k▲
Other financial income752/9€14k€33k▲
Non-recurring financial income76B€6k€0▼
Financial charges65/66B€-123k€-7k▲
Recurring financial charges65€-123k€-7k▲
Debt charges650€0-
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-274k€-164k▲
Other financial charges652/9€151k€156k▲
Profit (loss) for the period before taxes9903€5.72M€5.85M▲
Income taxes67/77€1.46M€1.65M▲
Taxes670/3€1.46M€1.66M▲
Tax adjustments and reversals of tax provisions77€247€3k▲
Profit (loss) for the period9904€4.26M€4.19M▼
Profit (loss) for the period to be appropriated9905€4.26M€4.19M▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.41M€4.36M▼
Profit (loss) brought forward from the previous period14P€148k€163k▲
Profit to be distributed694/7€4.25M€4.17M▼
Return on contributions (dividend)694€4.15M€4.00M▼
Employees696€98k€167k▲
Social balance
Average headcount (FTE)9087114.9127.2▲
The notes to these accounts (90 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
State Gazette act
Resignations: Ise Sprangers (director) and Jan Van Hove (director)Appointment: Nele Vandaele (director) · Director discharge5 facts ▸
State Gazette act
Resignations: Ise Sprangers (director) and Jan Van Hove (director)
Appointment: Nele Vandaele (director) · Director discharge5 facts ▸
- General meeting, 29/04/2026
- Director discharge, ADD
- Director resignation, Ise Sprangers
- Director resignation, Jan Van Hove
- Director appointment, Nele Vandaele (director)
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
11-03
State Gazette act
Resignation: Bart Vanoorbeek (director)Power of attorney7 facts ▸
State Gazette act
Resignation: Bart Vanoorbeek (director)
Power of attorney7 facts ▸
- Board meeting, 05-11-2025
- Director resignation, Bart Vanoorbeek
- Power of attorney, Kathleen Burgmans
- Power of attorney, Jeroen Peeters
- Power of attorney, Erwin Poffé
- Power of attorney, Aurélie Vanoorbeek
- Power of attorney, Alain Vandervelden
2025
30-10
State Gazette act
Resignations: Ilse Sprangers (director) and Jan Van Hove (director)Appointment: Nele Vandaele (director)5 facts ▸
State Gazette act
Resignations: Ilse Sprangers (director) and Jan Van Hove (director)
Appointment: Nele Vandaele (director)5 facts ▸
- Board meeting, 16-09-2025
- Director resignation, Ilse Sprangers (director)
- Director resignation, Jan Van Hove (director)
- Director appointment, Nele Vandaele (director)
- Director appointment, Nele Vandaele (chair)
30-06
State Gazette act
Appointment: KPMG Bedrijfsrevisoren (statutory auditor)Permanent representative: Ellemarie Bex · Mandate term4 facts ▸
State Gazette act
Appointment: KPMG Bedrijfsrevisoren (statutory auditor)
Permanent representative: Ellemarie Bex · Mandate term4 facts ▸
- General meeting, 30-04-2025
- Auditor appointment, KPMG Bedrijfsrevisoren (statutory auditor)
- Permanent representative, Ellemarie Bex
- Mandate term, until the general meeting approving the accounts of 31 December 2027
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
24-04
State Gazette act
RestructuringMerger · Accounting effect3 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect3 facts ▸
- General meeting, 01-04-2025
- Merger, verrichting gelijkgesteld met fusie door overneming, 01-04-2025
- Accounting effect, 01-04-2025
04-02
State Gazette act
RestructuringMerger · Accounting effect3 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect3 facts ▸
- Board meeting, 16-12-2024
- Merger, geruisloze fusie (tax-neutral merger), fusion by absorption
- Accounting effect, 01-04-2025
2024
04-06
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 30-01-2024
- Registered-office move, Geldenaaksebaan 470 te 3001 Heverlee
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
15-03
State Gazette act
Appointment: Dirk Ector (director)Power of attorney6 facts ▸
State Gazette act
Appointment: Dirk Ector (director)
Power of attorney6 facts ▸
- General meeting, 30-03-2022
- Director appointment, Dirk Ector (director)
- Board meeting, 05-02-2024
- Power of attorney, Thijs Van Grimbergen
- Power of attorney, Bart Vanoorbeek
- Power of attorney, Kathleen Brugmans
2023
23-10
State Gazette act
Statutes amendmentCapital3 facts ▸
State Gazette act
Statutes amendment
Capital3 facts ▸
- General meeting, 17-10-2023
- Statutes amendment
- Capital, €2.750.000
Show earlier events
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
01-03
State Gazette act
Resignations: Axel Roussis (director) and Nele Vandaele (director)Appointments: Johan Maertens (director) and Dirk Ector (gedelegeerd besturder)14 facts ▸
State Gazette act
Resignations: Axel Roussis (director) and Nele Vandaele (director)
Appointments: Johan Maertens (director) and Dirk Ector (gedelegeerd besturder)14 facts ▸
- Director resignation, Axel Roussis (director)
- Director resignation, Nele Vandaele (director)
- Director appointment, Johan Maertens (director)
- Board composition, Dirk Ector (gedelegeerd besturder)
- Board composition, Johan Maertens (director)
- Board composition, Wim Merckx (director)
- Board composition, Catharina Orlent (director)
- Board composition, Philippe Rommel (director)
- Board composition, Gustaaf Sap (director)
- Board composition, Ilse Sprangers (director)
- Board composition, Annelles Van Bauwel (director)
- Board composition, Kristo van Holsbeeck (director)
- +2 further facts in this act
2022
31-12
Financial
Weakest financial yearnet €2.52M ▼33.9%
Net result drops to €2.52M, the lowest in the series; recovery starts the following year.
24-06
State Gazette act
Algemene VergaderingStatutes amendment2 facts ▸
State Gazette act
Algemene Vergadering
Statutes amendment2 facts ▸
- General meeting, 22-06-2022
- Statutes amendment
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
03-05
State Gazette act
Reappointment: PwC Bedrijfsrevisoren (statutory auditor)Permanent representative: Kurt Cappoen3 facts ▸
State Gazette act
Reappointment: PwC Bedrijfsrevisoren (statutory auditor)
Permanent representative: Kurt Cappoen3 facts ▸
- General meeting, 30-03-2022
- Auditor reappointment, PwC Bedrijfsrevisoren
- Permanent representative, Kurt Cappoen
2021
26-08
State Gazette act
Resignation: Wemer Van Steen (bestuurder en ceo gedelegeerd bestuurder)Appointment: Dirk Ector (director)4 facts ▸
State Gazette act
Resignation: Wemer Van Steen (bestuurder en ceo gedelegeerd bestuurder)
Appointment: Dirk Ector (director)4 facts ▸
- Board meeting, 16-08-2021
- Director resignation, Wemer Van Steen (bestuurder en ceo gedelegeerd bestuurder)
- Director appointment, Dirk Ector (director)
- Director appointment, Dirk Ector (ceo gedelegeerd bestuurder)
16-07
State Gazette act
Resignation: Hans Verstraete (voorzitter bestuurder)Appointment: Jan Van Hove (voorzitter bestuurder)3 facts ▸
State Gazette act
Resignation: Hans Verstraete (voorzitter bestuurder)
Appointment: Jan Van Hove (voorzitter bestuurder)3 facts ▸
- Board meeting, 17-06-2021
- Director resignation, Hans Verstraete (voorzitter bestuurder)
- Director appointment, Jan Van Hove (voorzitter bestuurder)
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
08-06
State Gazette act
Appointments: Werner Van Steen, Jan Van Hove and 2 othersReappointments: Catherina Orlent, Annelies Van Bauwel and 6 others · Resignation: Ann Collin (director)15 facts ▸
State Gazette act
Appointments: Werner Van Steen, Jan Van Hove and 2 others
Reappointments: Catherina Orlent, Annelies Van Bauwel and 6 others · Resignation: Ann Collin (director)15 facts ▸
- General meeting, 31-03-2021
- Director appointment, Werner Van Steen (director)
- Director appointment, Jan Van Hove (director)
- Director appointment, Ilse Sprangers (director)
- Director appointment, Philippe Rommel (director)
- Director reappointment, Catherina Orlent (director)
- Director reappointment, Annelies Van Bauwel (director)
- Director reappointment, Nele Vandaele (director)
- Director reappointment, Hans Verstraete (director)
- Director reappointment, Wim Merckx (director)
- Director reappointment, Axel Roussis (director)
- Director reappointment, Gustaaf Sap (director)
- +3 further facts in this act
23-02
State Gazette act
Resignation: Dirk Van Liempt (bestuurder en ceo gedelegeerd bestuurder)Appointment: Werner Van Steen (director)4 facts ▸
State Gazette act
Resignation: Dirk Van Liempt (bestuurder en ceo gedelegeerd bestuurder)
Appointment: Werner Van Steen (director)4 facts ▸
- Board meeting, 10-02-2021
- Director resignation, Dirk Van Liempt (bestuurder en ceo gedelegeerd bestuurder)
- Director appointment, Werner Van Steen (director)
- Director appointment, Werner Van Steen (ceo gedelegeerd bestuurder)
2020
21-09
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term6 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term6 facts ▸
- Power of attorney, Jan Catry
- Power of attorney, Bart Vanoorbeek
- Power of attorney, Kathleen Brugmans
- Mandate term, 31-12-2022
- Mandate term, 31-12-2022
- Mandate term, 31-12-2022
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
18-03
State Gazette act
Reappointment: PwC Bedrijfsrevisoren BCVBA (statutory auditor)2 facts ▸
State Gazette act
Reappointment: PwC Bedrijfsrevisoren BCVBA (statutory auditor)
2 facts ▸
- General meeting, 27-03-2019
- Auditor reappointment, PwC Bedrijfsrevisoren BCVBA
12-02
State Gazette act
Resignations: Paul Marck (director) and Patrick Vandoren (director)Appointment: Nele Vandaele (director)4 facts ▸
State Gazette act
Resignations: Paul Marck (director) and Patrick Vandoren (director)
Appointment: Nele Vandaele (director)4 facts ▸
- Board meeting, 24-10-2019
- Director resignation, Paul Marck (director)
- Director resignation, Patrick Vandoren (director)
- Director appointment, Nele Vandaele (director)
2019
31-12
Financial
Highest result since 2018net €4.55M ▲59.7%
Net result €4.55M, the highest in the series.
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
31-01
State Gazette act
Resignation: Philippe Debaillie (director)Appointment: Gustaaf Sap (director)3 facts ▸
State Gazette act
Resignation: Philippe Debaillie (director)
Appointment: Gustaaf Sap (director)3 facts ▸
- Director resignation, Philippe Debaillie (director)
- Board meeting, 12/12/2018
- Director appointment, Gustaaf Sap (director)
17-01
State Gazette act
Purpose · End & cessationMerger · Accounting effect · Dissolution8 facts ▸
State Gazette act
Purpose · End & cessation
Merger · Accounting effect · Dissolution8 facts ▸
- General meeting, 20/12/2018
- Merger
- Merger
- Accounting effect, 01/01/2019
- Dissolution, 01-01-2019
- Dissolution, 01-01-2019
- Power of attorney, An Debecker
- Purpose change, Het stellen van alle handelingen, hetzij voor eigen rekening, hetzij voor rekening van derden, hetzij in deelnemingen met derden, met betrekking tot alle activi…
2018
22-11
State Gazette act
RestructuringMerger · Accounting effect · Subsidiary4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Subsidiary4 facts ▸
- Board meeting, 30-10-2018
- Merger, fusie door overneming
- Accounting effect, 01-01-2019
- Subsidiary, 100%
22-11
State Gazette act
RestructuringMerger · Accounting effect · Power of attorney4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Power of attorney4 facts ▸
- Board meeting, 30-10-2018
- Merger, geruisloze fusie
- Accounting effect, 01-01-2019
- Power of attorney, Inge Vandenbempt
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
09-04
State Gazette act
MiscellaneousStatutes amendment2 facts ▸
State Gazette act
Miscellaneous
Statutes amendment2 facts ▸
- General meeting, 21-03-2018
- Statutes amendment
2017
14-12
State Gazette act
Resignation: Beatrijs Van Bauwel (non-executive director)Appointment: Annelies Van Bauwel (director)3 facts ▸
State Gazette act
Resignation: Beatrijs Van Bauwel (non-executive director)
Appointment: Annelies Van Bauwel (director)3 facts ▸
- Board meeting, 05-10-2017
- Director resignation, Beatrijs Van Bauwel (non-executive director)
- Director appointment, Annelies Van Bauwel (director)
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-05
State Gazette act
Reappointments: A. Collin, C. Orlent and 7 others10 facts ▸
State Gazette act
Reappointments: A. Collin, C. Orlent and 7 others
10 facts ▸
- General meeting, 30/03/2016
- Director reappointment, A. Collin (director)
- Director reappointment, C. Orlent (director)
- Director reappointment, B. Van Bauwel (director)
- Director reappointment, H. Verstraete (director)
- Director reappointment, P. Marck (director)
- Director reappointment, W. Merckx (director)
- Director reappointment, A. Roussis (director)
- Director reappointment, P. Vandoren (director)
- Director reappointment, D. Van Liempt (director)
30-05
State Gazette act
Appointment: BCVBA Pwc Bedrijfsrevisoren (statutory auditor)Permanent representative: Tom Meuleman · Mandate term3 facts ▸
State Gazette act
Appointment: BCVBA Pwc Bedrijfsrevisoren (statutory auditor)
Permanent representative: Tom Meuleman · Mandate term3 facts ▸
- Auditor appointment, BCVBA Pwc Bedrijfsrevisoren (statutory auditor)
- Permanent representative, Tom Meuleman
- Mandate term, until the general meeting approving the annual accounts for 31 December 2018
2015
28-12
State Gazette act
Resignations & appointmentsPower of attorney · Mandate term6 facts ▸
State Gazette act
Resignations & appointments
Power of attorney · Mandate term6 facts ▸
- Power of attorney, Jan Catry
- Power of attorney, Bart Vanoorbeek
- Power of attorney, Kathleen Brugmans
- Mandate term, 31-12-2018
- Mandate term, 31-12-2018
- Mandate term, 31-12-2018
16-11
State Gazette act
Appointments: Kristo Van Holsbeeck (director) and Philippe Debaillie (director)Purpose change4 facts ▸
State Gazette act
Appointments: Kristo Van Holsbeeck (director) and Philippe Debaillie (director)
Purpose change4 facts ▸
- General meeting, 30-10-2015
- Purpose change, De vennootschap kan tevens alle activiteiten inzake bemiddeling in bank- en beleggingsdiensten uitoefenen.
- Director appointment, Kristo Van Holsbeeck (director)
- Director appointment, Philippe Debaillie (director)
09-06
State Gazette act
Resignations & appointmentsAuditor representative change3 facts ▸
State Gazette act
Resignations & appointments
Auditor representative change3 facts ▸
- Board meeting
- Auditor representative change, aansprakelijk vertegenwoordiger commissaris-revisor, 01-01-2015
- Auditor representative change, aansprakelijk vertegenwoordiger commissaris-revisor, 01-01-2015
09-06
State Gazette act
Resignation: Jacques Stuyck (director)2 facts ▸
State Gazette act
Resignation: Jacques Stuyck (director)
2 facts ▸
- General meeting, 25-03-2015
- Director resignation, Jacques Stuyck (director)
2014
30-06
State Gazette act
Statutes amendment · Resignations & appointmentsStatutes amendment2 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
Statutes amendment2 facts ▸
- General meeting, 12-06-2014
- Statutes amendment
28-02
State Gazette act
Resignations & appointmentsPower of attorney2 facts ▸
State Gazette act
Resignations & appointments
Power of attorney2 facts ▸
- Board meeting, 02-12-2013
- Power of attorney, Walter Verschueren
2013
18-10
State Gazette act
Resignation: René Van den Bosch (managing director)Appointment: Dirk Van Liempt (ceo gedelegeerd bestuurder)4 facts ▸
State Gazette act
Resignation: René Van den Bosch (managing director)
Appointment: Dirk Van Liempt (ceo gedelegeerd bestuurder)4 facts ▸
- Director resignation, René Van den Bosch (managing director)
- Director appointment, Dirk Van Liempt (ceo gedelegeerd bestuurder)
- Board composition, Dirk Van Liempt (managing director)
- Board composition, Paul Marck (director)
12-07
State Gazette act
Reappointment: Ernst & Young (statutory auditor)2 facts ▸
State Gazette act
Reappointment: Ernst & Young (statutory auditor)
2 facts ▸
- General meeting, 27-03-2013
- Auditor reappointment, Ernst & Young
24-05
State Gazette act
Resignations: Daniël Falque (director) and Frans Sercu (director)Appointments: Patrick Vandoren (director) and Dirk Van Liempt (director) · Reappointment: Ann Collin (director)6 facts ▸
State Gazette act
Resignations: Daniël Falque (director) and Frans Sercu (director)
Appointments: Patrick Vandoren (director) and Dirk Van Liempt (director) · Reappointment: Ann Collin (director)6 facts ▸
- General meeting, 27-03-2013
- Director resignation, Daniël Falque (director)
- Director resignation, Frans Sercu (director)
- Director appointment, Patrick Vandoren (director)
- Director appointment, Dirk Van Liempt (director)
- Director reappointment, Ann Collin (director)
18-03
State Gazette act
Resignation: Daniel Falque (voorzitter bestuurder)Appointments: Hans Verstraete (chair) and Patrick Vandoren (director)4 facts ▸
State Gazette act
Resignation: Daniel Falque (voorzitter bestuurder)
Appointments: Hans Verstraete (chair) and Patrick Vandoren (director)4 facts ▸
- Board meeting, 01-12-2012
- Director resignation, Daniel Falque (voorzitter bestuurder)
- Director appointment, Hans Verstraete (chair)
- Director appointment, Patrick Vandoren (director)
18-01
State Gazette act
Statutes amendment3 facts ▸
State Gazette act
Statutes amendment
3 facts ▸
- General meeting, 11-12-2012
- Statutes amendment
- Statutes amendment
2012
17-07
State Gazette act
Resignations: Johan Thijs (voorzitter bestuurder) and Patrick Tans (director)Appointments: Daniël Falque, Hans Verstraete and 5 others10 facts ▸
State Gazette act
Resignations: Johan Thijs (voorzitter bestuurder) and Patrick Tans (director)
Appointments: Daniël Falque, Hans Verstraete and 5 others10 facts ▸
- General meeting, 14-06-2012
- Director resignation, Johan Thijs (voorzitter bestuurder)
- Director resignation, Patrick Tans (director)
- Director appointment, Daniël Falque (director)
- Director appointment, Hans Verstraete (director)
- Director appointment, Paul Marck (director)
- Director appointment, Wim Merckx (non-executive director)
- Director appointment, Catharina Orient (non-executive director)
- Director appointment, Axel Roussis (non-executive director)
- Director appointment, Beatrijs Van Bauwel (non-executive director)
17-07
State Gazette act
Resignation: Corten Roger (director)2 facts ▸
State Gazette act
Resignation: Corten Roger (director)
2 facts ▸
- General meeting, 30-03-2012
- Director resignation, Corten Roger (director)
2010
25-08
State Gazette act
Appointment: Arin Collin (non-executive director)4 facts ▸
State Gazette act
Appointment: Arin Collin (non-executive director)
4 facts ▸
- General meeting, 03-08-2010
- Director appointment, Arin Collin (non-executive director)
- Board composition, René Van der Bosch (gedelegeerd bestuurder coo)
- Board composition, Roger Corten (gedelegeerd bestuurder ceo)
27-04
State Gazette act
Reappointment: Ernst & Young (commissaris revisor)2 facts ▸
State Gazette act
Reappointment: Ernst & Young (commissaris revisor)
2 facts ▸
- General meeting, 24-03-2010
- Auditor reappointment, Ernst & Young (commissaris revisor)
27-04
State Gazette act
Resignations: Danny de Raymaeker (director) and Luc Gijsens (director)Appointments: Frans Sercu, Patrick Tans and 2 others · Reappointments: Johan Thijs, Roger Corten and 4 others13 facts ▸
State Gazette act
Resignations: Danny de Raymaeker (director) and Luc Gijsens (director)
Appointments: Frans Sercu, Patrick Tans and 2 others · Reappointments: Johan Thijs, Roger Corten and 4 others13 facts ▸
- General meeting, 24-03-2010
- Director resignation, Danny de Raymaeker (director)
- Director resignation, Luc Gijsens (director)
- Director appointment, Frans Sercu (director)
- Director appointment, Patrick Tans (director)
- Director reappointment, Johan Thijs (director)
- Director reappointment, Roger Corten (director)
- Director reappointment, Frans Sercu (director)
- Director reappointment, Jacobus Stuyck (director)
- Director reappointment, Patrick Tans (director)
- Director reappointment, René Van den Bosch (director)
- Director appointment, Roger Corten (gedelegeerd bestuurder c.e.c)
- +1 further facts in this act
2009
21-12
State Gazette act
Resignations: Danny De Raymaeker (bestuurder voorzitter) and Lucien Gijsens (director)Appointments: Patrick Tans, Frans Sercu and 3 others8 facts ▸
State Gazette act
Resignations: Danny De Raymaeker (bestuurder voorzitter) and Lucien Gijsens (director)
Appointments: Patrick Tans, Frans Sercu and 3 others8 facts ▸
- Board meeting, 30-09-2009
- Director resignation, Danny De Raymaeker (bestuurder voorzitter)
- Director resignation, Lucien Gijsens (director)
- Director appointment, Patrick Tans (director)
- Director appointment, Frans Sercu (director)
- Director appointment, Johan Thijs (chair)
- Director appointment, Roger Corten (gedelegeerd bestuurder c.e.o)
- Director appointment, René Van den Bosch (gedelegeerd bestuurder c.0.0)
2008
04-02
State Gazette act
Permanent representative: Jean-Pierre Romont2 facts ▸
State Gazette act
Permanent representative: Jean-Pierre Romont
2 facts ▸
- Board meeting, 18-12-2007
- Permanent representative, Jean-Pierre Romont
2007
21-06
State Gazette act
Reappointment: Ernst & Young (statutory auditor)Auditor termination3 facts ▸
State Gazette act
Reappointment: Ernst & Young (statutory auditor)
Auditor termination3 facts ▸
- General meeting
- Auditor termination, Ernst & Young
- Auditor reappointment, Ernst & Young
2006
31-07
State Gazette act
Resignations: Defrancg Christian, Daemen Johan and Celis EmileAppointments: Florquin François, Thijs Johan and Debaillie Marc7 facts ▸
State Gazette act
Resignations: Defrancg Christian, Daemen Johan and Celis Emile
Appointments: Florquin François, Thijs Johan and Debaillie Marc7 facts ▸
- General meeting, 29-03-2006
- Director resignation, Defrancg Christian (director)
- Director resignation, Daemen Johan (director)
- Director resignation, Celis Emile (director)
- Director appointment, Florquin François (director)
- Director appointment, Thijs Johan (director)
- Director appointment, Debaillie Marc (director)
2005
30-06
State Gazette act
Capital & shares · Purpose · Statutes amendment · RestructuringMerger · Retroactive effective date · Name change5 facts ▸
State Gazette act
Capital & shares · Purpose · Statutes amendment · Restructuring
Merger · Retroactive effective date · Name change5 facts ▸
- General meeting
- Merger, absorption, 31-04-2004
- Retroactive effective date, 01-01-2005
- Name change, ADD
- Purpose change, De vennootschap heeft als voorwerp alle verrichtingen en bewerkingen in verband met het verzekeringsbedrijf, herverzekering inbegrepen Zij kan optreden als make…
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
24 directors, no change since 2026
Nele VANDAELE
CurrentDirector · since 01-09-2025
Johan MAERTENS
CurrentDirector · since 21-02-2023
Dirk Ector
CurrentGedelegeerd besturder · since 01-09-2021
Catherina Orlent
CurrentDirector · since 31-03-2021
Philippe Rommel
CurrentDirector · since 31-03-2021
Werner Van Steen
CurrentDirector · since 10-02-2021
18 other directors
Gustaaf Sap
CurrentDirector · since 12-12-2018
Annelies Van Bauwel
CurrentDirector · since 05-10-2017
Kristo van Holsbeeck
CurrentDirector · since 30-10-2015
Wim Merckx
CurrentDirector · since 14-06-2012
A. Collin
Not recently confirmedDirector · since 30-03-2016
A. Roussis
Not recently confirmedDirector · since 30-03-2016
B. Van Bauwel
Not recently confirmedDirector · since 30-03-2016
C. Orlent
Not recently confirmedDirector · since 30-03-2016
D. Van Liempt
Not recently confirmedDirector · since 30-03-2016
H. Verstraete
Not recently confirmedDirector · since 30-03-2016
P. Marck
Not recently confirmedDirector · since 30-03-2016
P. Vandoren
Not recently confirmedDirector · since 30-03-2016
W. Merckx
Not recently confirmedDirector · since 30-03-2016
Catharina Orient
Not recently confirmedNon-executive director · since 14-06-2012
Arin Collin
Not recently confirmedNon-executive director · since 03-08-2010
Jacobus Stuyck
Not recently confirmedDirector
Debaillie Marc
Not recently confirmedDirector · since 29-03-2006
Florquin François
Not recently confirmedDirector · since 29-03-2006
29-04-2026
Nele VANDAELE: Appointed as Director
03-03-2026
Bart Vanoorbeek: Resigned
16-09-2025
Nele VANDAELE: Appointed as Chair
01-09-2025
Nele VANDAELE: Appointed as Director
01-09-2025
Jan Van Hove: Resigned as Director
Location & real-estate footprint
Registered office, Leuven · 3 establishment units since 1969
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.
Geldenaaksebaan 4703001 LeuvenGround area
5.6 ha
Building footprint
5,687 m²
Volume, LiDAR
70,804 m³
3 parcels, Flanders · tallest building 56.8 m, ±10 floors. Linked by address, not a title deed.
3 establishment units
ADD
since 19692.143.751.072
ADD
since 19992.036.894.486
ADD
since 20232.365.599.772
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0077/00M000 | Flanders | 5.2 ha | 1 · 3,774 m² | 12.1 m · 3 fl. |
| 24514B0186/00W000 | Flanders | 2,437 m² | 1 · 664 m² | 7.9 m · 2 fl. |
| 44082B0532/00A002 | Flanders | 1,249 m² | 1 · 1,249 m² | 56.8 m · 10 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| KPMG BedrijfsrevisorenCurrent Statutory auditor · represented by Ellemarie Bex | 30-04-2025 → present |
Show 3 earlier auditors
| Ernst & Young Auditor succeeded by PWC Bedrijfsrevisoren BCVBA in 2016 | 21-06-2007 → 19-03-2016 |
| Pwc Bedrijfsrevisoren Auditor · represented by Kurt Cappoen succeeded by KPMG Bedrijfsrevisoren in 2025 | 30-03-2022 → 30-04-2025 |
| PWC Bedrijfsrevisoren BCVBA Auditor succeeded by Pwc Bedrijfsrevisoren in 2022 | 19-03-2016 → 30-03-2022 |
Articles of association
Purpose
- Het stellen van alle handelingen, hetzij voor eigen rekening, hetzij voor rekening van derden, hetzij in deelnemingen met derden, met betrekking tot alle activiteiten van…
Full purpose
- Het stellen van alle handelingen, hetzij voor eigen rekening, hetzij voor rekening van derden, hetzij in deelnemingen met derden, met betrekking tot alle activiteiten van bemiddeling en adviesverlening inzake verzekering, medeverzekering en herverzekering, alsook alle activiteiten van risico-analyse en risicobeheer. Zij kan optreden als makelaar, gevolmachtigde of algemeen agent van verzekeringsmaatschappijen en verzekeringsportefeuilles. Het stellen van alle handelingen van verzekeringsbemiddeling, onder meer het met elkaar in contact brengen van verzekeringsnemers en verzekeringsondernemingen, het aanbieden, voorstellen, uitwerken of sluiten van verzekeringsovereenkomsten, het innen van premies en alle activiteiten die betrekking hebben op het beheer en de uitvoering van verzekeringsovereenkomsten of betrekking hebben op schadegevallen. - Het verlenen van adviezen inzake verzekering, herverzekering en risicobeheer (met inbegrip van preventieacties), zonder dat hieruit noodzakelijk verzekeringsovereenkomsten ontstaan. - Het analyseren van risico's die een natuurlijke of rechtspersoon kunnen bedreigen. - De activiteiten van beheer en plaatsing van accidentele en financiële risico's die natuurlijke of rechtspersonen lopen, evenals het aangaan van alle desbetreffende verzekeringen, herverzekeringen en medeverzekeringen en het uitvoeren van alle in de ruimst mogelijke zin daarbij behorende diensten. - Het ontwikkelen van eigen verzekeringsproducten waarbij het risico bij Belgische of buitenlandse verzekeringsmaatschappijen geplaatst wordt en het verzorgen van het daarop betrekking hebbende polis-en schadebeheer in naam en voor rekening van deze verzekeringsmaatschappijen. - Het ontwikkelen van de internationale samenwerking met Belgische en buitenlandse bemiddelaars met de bedoeling om tot een internationaal netwerk te komen. - De vennootschap kan dezelfde rol vervullen voor alle operaties van lening, geldplaatsing of financiering, dit alles in de meest brede zin van het woord. De vennootschap kan tevens alle activiteiten inzake bemiddeling in bank-en beleggingsdiensten uitoefenen. -De vennootschap kan autonoom optreden als consultant zowel op het vlak van verzekeringen als IT en kan software ontwikkelen met het oog op commercialisatie. De vennootschap mag alle industriële, commerciële of financiële verrichtingen, roerende of onroerende, uitvoeren die rechtstreeks of onrechtstreeks met voornoemd voorwerp verband houden of van aard zijn de uitbreiding ervan te bevorderen. De vennootschap kan zich inmengen in bestaande of op te richten private ondernemingen of handelsvennootschappen die rechtstreeks of onrechtstreeks betrekking hebben op haar doelstelling. De vennootschap mag hiertoe ook bestuursmandaten uitoefenen. De vennootschap mag haar voorwerp verwezenlijken zowel in België als in het buitenland op de wijze die zij het best geschikt zal achten.
Structure & network
Connections & network
34 connected companiesLinked via shared directors
→
via Nele VANDAELE · Director
→
via Werner Van Steen · Member of the executive committee
→
via Werner Van Steen · Non-executive director
→
Show 30 more companies with a shared director
via Nele VANDAELE · Director
→
via Nele VANDAELE and Dirk Ector · Director
→
via Werner Van Steen and Dirk Ector
former→
via Nele VANDAELE · Director
former→
via Nele VANDAELE · Director
former→
via Nele VANDAELE · Director
former→
via Werner Van Steen · Lid en als voorzitter van de raad van bestuur
former→
via Dirk Ector · Director
former→
via Werner Van Steen · Director
former→
via Werner Van Steen · Member and chair of the board
former→
via Johan MAERTENS · Member
former→
via Dirk Ector · Director
former→
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Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Leuven
Molenbeek-Saint-Jean · indirect
controls
ADDBE 0406.080.305
Acquisitions and mergers
4 transactionsCapital and shareholders
Capital over the years
- 23-10-2023 Capital stated in the act · 2,750,000 EUR · 10,000 shares
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 12,807 EUR awarded · 12,807 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,788 EUR | 2,788 EUR |
| 2024 | 2 | -2,753 EUR | 6,247 EUR |
| 2023 | 1 | 2,296 EUR | 2,296 EUR |
| 2022 | 2 | 10,476 EUR | 1,476 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Legal Entity Identifier
5493002LAO0WJK0SQP59
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,002 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1969
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
58290Other software publishing
62100Computer programming
65112Insurance, reinsurance and pension funding, except compulsory social security
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.