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BV

Active
Private limited company (pre-2019)·Activiteiten van verzekeringsagenten en -makelaars· 17 yrs active
Kapellenstraat 77A ·9280 Lebbeke, Belgium
KBO/BCE: BE 0809.768.965
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Age17 yrs
Real estate2 parcels · 1,864 m²

Summary

Conclusion

the dossier summarised in one paragraph

BV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-06-2025 31 d early 2025-00211630
31-12-2023 31-07-2024 27-06-2024 34 d early 2024-00183452
31-12-2022 31-07-2023 29-08-2023 29 d late 2023-00370371
31-12-2021 31-07-2022 14-07-2022 17 d early 2022-20185217
31-12-2020 31-07-2021 31-08-2021 31 d late 2021-65400518
31-12-2019 31-07-2020 30-09-2020 61 d late 2020-57400555
31-12-2018 31-07-2019 19-08-2019 19 d late 2019-48000477
31-12-2017 31-07-2018 19-08-2019 384 d late 2019-48000419
31-12-2016 31-07-2017 31-07-2017 on the day 2017-40800148
31-12-2015 31-07-2016 24-08-2016 24 d late 2016-49800171

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 30-06-2025 2025-00211630
31-12-2023 micro 27-06-2024 2024-00183452
31-12-2022 micro 29-08-2023 2023-00370371
31-12-2021 micro 14-07-2022 2022-20185217
31-12-2020 micro 31-08-2021 2021-65400518
31-12-2019 micro 30-09-2020 2020-57400555
31-12-2018 verkort 19-08-2019 2019-48000477
31-12-2017 verkort 19-08-2019 2019-48000419
31-12-2016 verkort 31-07-2017 2017-40800148
31-12-2015 verkort 24-08-2016 2016-49800171

Directors

Directors & mandates

2 directors
Former directors (2)
  • Patronale Group NVLegal entity
    Director
    State Gazette act 23020362 (10-02-2023)
    Former
    - → 08-07-2022
  • Stradeq SALegal entity
    Director
    State Gazette act 23020362 (10-02-2023)
    Former
    - → 30-06-2012
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Private limited company (pre-2019)(015)
Incorporation12-02-2009
StatusActive
Postal code9280

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Kapellenstraat 77A9280 Lebbeke

Establishment units

1 location
BV
Kapellenstraat 77, 9280 LebbekeRechtstreekse verzekeringsverrichtingen leven
since 20202.300.683.117
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,864 m²
Buildings2
Building footprint410 m²
Volume (LiDAR)2,151 m³
Tallest building11.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42005B0784/00K000 Flanders 1,074 m² 1 · 306 m² 11.6 m · 1 fl.
42005B0784/00B000 Flanders 789 m² 1 · 104 m² 9.3 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 3 years ago
2023
10-02-2023 2 resigning Director changes
  • Stradeq SA, Bestuurder
  • Patronale Group NV, Bestuurder

Analysis

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 482 of the 4,657 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameNL BV
Registered office
Kapellenstraat 77A
9280 Lebbeke, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.