Financials
- Financial year
- 2025
- Total assets
- €2.5m
- Profit
- €428,413
- Solvency
- 76.4%
Total assets▲ 25.8%
Net result
20182025
Summary
VANBREDA DEKERF 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 €1.9m and a net result of €428,413. Equity remains stable across the filed financial years (±1.3% per year). Its solvency ranks better than 81% of 1,840 sector peers (NACE 66, financial year 2025). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
3rd oldest company in Ternat, Finance and insurance sector1 site
Size
€2.5mtotal assets 2025
- Staff
- 5.9 FTE
- Equity
- €1.9m
- Profit
- €428,413
Turnover not published (abbreviated format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Parent
- VANBREDA RISK & BENEFITS · 60%
- Board
- 5 members
- Pedro MatthynssensChair
- KANTOOR DEKERF-DEBERDTManaging director · permanent representative DEKERF Dirk Dominiek Cornelius
Auditor: BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISESAccounts 133 days early4 of 9 deeds read
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
neutral
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 days early
2024
128 days early
2023
61 days early
2022
38 days early
2021
26 days late
2020
61 days late
2019
48 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 June (4 of the last 5 filed years within 73 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
23-10-2026 today31-12-2026 year end31-07-2027 deadline
- Resignations & appointmentsPower of attorney
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2018 to 2025net €428,413 ▲21.7%
Key points
- Positive: 3rd oldest company in Ternat, Finance and insurance sectorin the Checked rankings No. 3 View
- Positive: 8 profitable years in a rowprofit 2025: €428,413 8 years View
- Controlled by VANBREDA RISK & BENEFITSultimately: Unibreda 60% View
- Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
By topic
Board & ownership
- Board
- 5 members
- Parent
- VANBREDA RISK & BENEFITS · 60%
- Auditor
- BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES
- Pedro MatthynssensChair
- Pedro MathynssensChair
- Koen DierckxDirector
- Pascal JoostenManaging director
- KANTOOR DEKERF-DEBERDTManaging director
Network & group
- Group
- Unibreda
Timeline
- Events
- 39
- Since
- 1995
- Next accounts
- by 31-07-2027
- 25-03-2025Annual accounts filed
- 12-07-2024Capital & shares · Amendment of the…
- 08-07-2024Resignation: Dirk Dekerf (director)
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 21-12-1993
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 34
- Who signs
- Two directors jointly
- Annual meeting
- First Thursday of March at 10:30
- Purpose
- “Het uitvoeren van alle verrichtingen in verband met agentuur en makelaarsverrichtingen…” (deed in Dutch)
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies Which other companies belong to the same group?Unibreda · 19 companies
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