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LRS Insurance

Active Risk: not assessed
Public limited companyfounded 198838 yrs activeDiestseweg 7, 2440 Geel, BelgiumKBO/BCE: BE 0433.343.936
Summary

LRS Insurance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.28M and a net result of €-588k. Equity is shrinking by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 23% of 775 sector peers (fiscal year 2024). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

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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 check 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 23% of 775 sector peers (2024).
NBB · sector comparison
Position among 775 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
36 d early
2023
37 d early
2022
39 d early
2021
33 d early
2020
38 d early
2019
36 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, full schema

Equity
€1.28M▼ 31.5%
2023 · €1.86M
2019: €3.28M 2020: €3.05M 2021: €2.74M 2022: €1.40M 2023: €1.86M
2019 → 2024
Net result
€-588k▲ 20.0%
2023 · €-734k
2019: €464k 2020: €-230k 2021: €-304k 2022: €-1.34M 2023: €-734k
2019 → 2024
Total assets
€9.48M▼ 2.3%
2023 · €9.71M
2019: €11.11M 2020: €11.10M 2021: €10.44M 2022: €9.59M 2023: €9.71M
2019 → 2024
Solvency
13.5%▼ 5.7pp
2023 · 19.2%
2019: 29.5% 2020: 27.5% 2021: 26.3% 2022: 14.6% 2023: 19.2%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Turnover€9.86M-€9.95M▲ 0.9%€10.39M▲ 4.4%€11.00M▲ 5.9%€11.69M▲ 6.3%
Equity€3.05M-€2.74M▼ 10.0%€1.40M▼ 49.0%€1.86M▲ 33.3%€1.28M▼ 31.5%
Operating result€-259k-€-349k▼ 34.5%€-1.18M▼ 237%€-1.14M▲ 2.7%€-711k▲ 37.9%
Net result€-230k-€-304k▼ 32.4%€-1.34M▼ 342%€-734k▲ 45.4%€-588k▲ 20.0%
Result per fiscal year
Operating resultNet result
€-1.50M€-1.00M€-500k€0Operating result 2020: €-259k€-259kNet result 2020: €-230k€-230kOperating result 2021: €-349k€-349kNet result 2021: €-304k€-304kOperating result 2022: €-1.18M€-1.18MNet result 2022: €-1.34M€-1.34MOperating result 2023: €-1.14M€-1.14MNet result 2023: €-734k€-734kOperating result 2024: €-711k€-711kNet result 2024: €-588k€-588k20202021202220232024€-1.5M€-1M€-500k€0Operating result 2022: €-1.18M€-1.2MNet result 2022: €-1.34M€-1.3MOperating result 2023: €-1.14M€-1.1MNet result 2023: €-734k€-734kOperating result 2024: €-711k€-711kNet result 2024: €-588k€-588k202220232024
The operating result stays negative: a loss of €711k in 2024 against €1.14M in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €9.48M
Fixed assets €941k ▲ 16.7%
Current assets €8.54M ▼ 4.0%
Equity and liabilities €9.48M
Equity €1.28M ▼ 31.5%
Provisions €28k ▼ 15.5%
Debt €8.18M ▲ 4.7%
Debt's share of the balance-sheet total rises from 80.5% to 86.2%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
ROE
-46.0%▼
2023 · -39.4%
ROA
-6.2%▲
2023 · -7.6%
Debt ≤ 1 year
€6.84M▲
2023 · €6.31M
Income taxes
€6k▲
2023 · €-13k
Staff costs
€6.84M▼
2023 · €6.90M
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 · 2024 against 2023 · 71 lines
Balance sheet Code20232024
Assets
Total assets20/58€9.71M€9.48M▼
Fixed assets21/28€806k€941k▲
Intangible fixed assets21€573k€742k▲
Tangible fixed assets22/27€220k€186k▼
Plant, machinery and equipment23€7k€23k▲
Furniture and vehicles24€74k€63k▼
Other tangible fixed assets26€140k€100k▼
Financial fixed assets28€13k€13k=
Other financial fixed assets284/8€13k€13k=
Amounts receivable and cash guarantees285/8€13k€13k=
Current assets29/58€8.90M€8.54M▼
Amounts receivable within one year40/41€1.79M€1.65M▼
Trade receivables40€796k€730k▼
Other amounts receivable41€996k€919k▼
Current investments50/53€2.02M€1.61M▼
Other investments51/53€2.02M€1.61M▼
Cash at bank and in hand54/58€2.45M€2.27M▼
Deferred charges and accrued income490/1€2.64M€3.01M▲
Equity and liabilities
Total equity and liabilities10/49€9.71M€9.48M▼
Equity10/15€1.86M€1.28M▼
Contributions10/11€3.60M€3.60M=
Capital10€3.60M€3.60M=
Issued capital100€3.60M€3.60M=
Reserves13€1.44M€1.44M=
Non-distributable reserves130/1€278k€278k=
Legal reserve130€205k€205k=
Other1319€73k€73k=
Tax-exempt reserves132€31k€31k=
Distributable reserves133€1.13M€1.13M=
Profit (loss) carried forward14€-3.18M€-3.76M▼
Provisions and deferred taxes16€33k€28k▼
Provisions for liabilities and charges160/5€33k€28k▼
Other liabilities and charges164/5€33k€28k▼
Amounts payable17/49€7.81M€8.18M▲
Amounts payable within one year42/48€6.31M€6.84M▲
Trade debts44€3.04M€4.21M▲
Suppliers440/4€3.04M€4.21M▲
Taxes, remuneration and social security45€1.90M€1.84M▼
Taxes450/3€88k€79k▼
Remuneration and social security454/9€1.82M€1.77M▼
Other amounts payable47/48€1.36M€780k▼
Accrued charges and deferred income492/3€1.50M€1.34M▼
Income statement Code20232024
Operating income70/76A€11.33M€12.04M▲
Turnover70€11.00M€11.69M▲
Other operating income74€332k€351k▲
Operating charges60/66A€12.47M€12.76M▲
Services and other goods61€5.21M€5.60M▲
Remuneration, social security and pensions62€6.90M€6.84M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€353k€313k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€5k€-5k▼
Other operating charges640/8€5k€7k▲
Operating profit (loss)9901€-1.14M€-711k▲
Financial income75/76B€284k€167k▼
Recurring financial income75€105k€167k▲
Income from current assets751€98k€113k▲
Other financial income752/9€7k€54k▲
Non-recurring financial income76B€178k-
Financial charges65/66B€-113k€37k▲
Recurring financial charges65€-113k€37k▲
Debt charges650€26k€60k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-140k€-28k▲
Other financial charges652/9€699€5k▲
Profit (loss) for the period before taxes9903€-748k€-581k▲
Income taxes67/77€-13k€6k▲
Taxes670/3€6k€6k▲
Tax adjustments and reversals of tax provisions77€19k-
Profit (loss) for the period9904€-734k€-588k▲
Profit (loss) for the period to be appropriated9905€-734k€-588k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3.18M€-3.76M▼
Profit (loss) brought forward from the previous period14P€-2.44M€-3.18M▼
Social balance
Average headcount (FTE)908771.370.4▼

The notes to these accounts (55 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2025
03-11
State Gazette act Resignation: Philip Van Eeckhoute CommV (managing director)
Appointment: Sabrina VEIDERS (chief executive officer) · Director discharge4 facts ▸
  • Board meeting, 29/09/2025
  • Director resignation, Philip Van Eeckhoute CommV (managing director)
  • Director discharge, Philip Van Eeckhoute CommV (managing director)
  • Director appointment, Sabrina VEIDERS (chief executive officer)
30-10
State Gazette act Resignations: Philip DA COSTA SENIOR, Serge MARTIN and Laurent SIMON
Purpose change · Name change · Registered-office move8 facts ▸
  • General meeting, 30 september 2025
  • Purpose change, De vennootschap heeft tot voorwerp, in België en in het buitenland, • bemiddeling in verzekeringen en herverzekeringen van welke aard of voor welke soort risico…
  • Name change, LRS INSURANCE
  • Registered-office move, 2440 Geel, Diestseweg 7
  • Capital, €61.500
  • Director resignation, Philip DA COSTA SENIOR (director)
  • Director resignation, Serge MARTIN (director)
  • Director resignation, Laurent SIMON (director)
28-10
State Gazette act Capital & shares
Share concentration1 fact ▸
  • Share concentration, 29/09/2025
28-10
State Gazette act Resignations: Adagia Fiscalia BV, Philip Van Eeckhoute CommV. and 7 others
Permanent representatives: Jan VERHOEYE, Philip VAN EECKHOUTE and 4 others · Appointments: Sabrina VEIDERS, Paul LIEKENS and 4 others · Director discharge27 facts ▸
  • General meeting, 29/09/2025
  • Director resignation, Adagia Fiscalia BV (director)
  • Director resignation, Adagia Fiscalia BV (chair of the board)
  • Permanent representative, Jan VERHOEYE
  • Director resignation, Philip Van Eeckhoute CommV. (director)
  • Director resignation, Philip Van Eeckhoute CommV. (managing director)
  • Permanent representative, Philip VAN EECKHOUTE
  • Director resignation, Vijverbos NV (director)
  • Director resignation, Vijverbos NV (vicevoorzitter van de raad van bestuur)
  • Permanent representative, Herwig DEJONGHE
  • Director resignation, Kathleen PEETERS (director)
  • Director resignation, Kathleen PEETERS (vicevoorzitter van de raad van bestuur)
  • +15 further facts in this act
09-09
State Gazette act Miscellaneous
Demerger · Accounting effect · Power of attorney7 facts ▸
  • Board meeting, 26/08/2025
  • Board meeting, 26/08/2025
  • Demerger, Overdracht onder bezwarende titel van een bedrijfstak (VAPZ)
  • Accounting effect, 01/09/2025
  • Power of attorney, voorzitter van de raad van bestuur en gedelegeerd bestuurder
  • Power of attorney, voorzitter van de raad van bestuur en gedelegeerd bestuurder
  • Fsma registration, verzekeringsagent, 01/09/2025
11-07
State Gazette act Capital & shares
Capital decrease · Capital · Statutes amendment7 facts ▸
  • General meeting, 25/06/2025
  • Capital decrease, €78.720,7
  • Capital decrease, €2.253.736,49
  • Capital decrease, €1.209.678,87
  • Capital, €61.500
  • Statutes amendment
  • Power of attorney, bestuurders
09-07
State Gazette act Resignations: BV Vandeputte & Hozee, Jozef Vandenberghe and Joannes Steverlynck
Appointment: Kathleen Peeters (vicevoorzitter) · Permanent representative: Piet Vandeputte8 facts ▸
  • Board meeting, 10/12/2024
  • General meeting, 10/06/2025
  • Director resignation, BV Vandeputte & Hozee (vicevoorzitter)
  • Director appointment, Kathleen Peeters (vicevoorzitter)
  • Director resignation, BV Vandeputte & Hozee (director)
  • Director resignation, Jozef Vandenberghe (director)
  • Director resignation, Joannes Steverlynck (director)
  • Permanent representative, Piet Vandeputte
25-06
NBB filing Annual accounts filed
fiscal year 2024 · full schema
19-06
State Gazette act Resignations & appointments
Demerger · Accounting effect · Transfer effective date5 facts ▸
  • Demerger, 10/06/2025
  • Board meeting, 10/06/2025
  • Board meeting, 10/06/2025
  • Accounting effect, 01/09/2025
  • Transfer effective date, 01/09/2025
2024
19-07
State Gazette act Appointment: Figurad Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Ann De Causmaecker3 facts ▸
  • General meeting, 11/06/2024
  • Auditor appointment, Figurad Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Ann De Causmaecker
24-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
State Gazette act Reappointments: BV Adagia Fiscalia, NV Vijverbos and 9 others
Permanent representatives: Jan Verhoeye, Herwig Dejonghe and 5 others · Appointments: BV Foundation Technologies, BV Vandeputte & Hozee and 3 others25 facts ▸
  • General meeting, 13/06/2023
  • Board meeting, 13/06/2023
  • Director reappointment, BV Adagia Fiscalia (director)
  • Permanent representative, Jan Verhoeye
  • Director reappointment, NV Vijverbos (director)
  • Permanent representative, Herwig Dejonghe
  • Director reappointment, CommV Philip Van Eeckhoute (director)
  • Permanent representative, Philip Van Eeckhoute
  • Director reappointment, Volker Klinges (director)
  • Director reappointment, Kari Verlinden (director)
  • Director reappointment, BV Vedeco Puurs (director)
  • Permanent representative, Peter Verhaegen
  • +13 further facts in this act
Show earlier events
22-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
16-01
State Gazette act Statutes amendment
Accounting effect · Capital · Authorised capital7 facts ▸
  • General meeting, 13 december 2022
  • Accounting effect, 1 januari 2023
  • Statutes amendment
  • Capital, €2.403.636,06
  • Authorised capital, 500.000,00 EUR
  • Nace code, 23304880
  • Representation, Voorzitter van de raad van bestuur samen met een bestuurder of samen met de gedelegeerd bestuurder
2022
31-12
Financial Weakest financial yearnet €-1.34M
Net result drops to €-1.34M, the lowest in the series; recovery starts the following year.
26-09
State Gazette act Resignation: Synani (director)
Permanent representatives: Bernard Vanden Avenne, Jan Verhoeye and 5 others · Appointments: Adagia Fiscalia, Vijverbos and 9 others24 facts ▸
  • General meeting, 07-06-2022
  • Director resignation, Synani (director)
  • Permanent representative, Bernard Vanden Avenne
  • Director appointment, Adagia Fiscalia (director)
  • Director appointment, Adagia Fiscalia (chair of the board)
  • Permanent representative, Jan Verhoeye
  • Director appointment, Vijverbos (director)
  • Director appointment, Vijverbos (ondervoorzitter van de raad van bestuur)
  • Permanent representative, Herwig Dejonghe
  • Director appointment, Vandeputte & Hozee (director)
  • Director appointment, Vandeputte & Hozee (ondervoorzitter van de raad van bestuur)
  • Permanent representative, Piet Vandeputte
  • +12 further facts in this act
28-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
25-03
State Gazette act Resignation: BV ACE (director)
Permanent representatives: Philippe Bijnens, Geert Lambrechts and 6 others · Appointments: BV Geert Lambrechts, BV Adagia Fiscalia and 10 others22 facts ▸
  • General meeting, 08-03-2022
  • Director resignation, BV ACE (director)
  • Permanent representative, Philippe Bijnens
  • Director appointment, BV Geert Lambrechts (director)
  • Permanent representative, Geert Lambrechts
  • Director appointment, BV Adagia Fiscalia (chair of the board)
  • Permanent representative, Jan Verhoeye
  • Director appointment, NV Vijverbos (ondervoorzitter van de raad van bestuur)
  • Permanent representative, Herwig Dejonghe
  • Director appointment, BV Vandeputte & Hozee (ondervoorzitter van de raad van bestuur)
  • Permanent representative, Piet Vandeputte
  • Director appointment, CommV Philip Van Eeckhoute (managing director)
  • +10 further facts in this act
2021
24-06
State Gazette act Resignation: Jozef Vandenberghe (chair of the board)
Appointments: Jan Verhoeye, Figurad Bedrijfsrevisoren BV and Philip Van Eeckhoute · Permanent representatives: Jan Verhoeye, Ann De Causmaecker and 6 others14 facts ▸
  • Board meeting, 08/06/2021
  • General meeting, 08/06/2021
  • Director resignation, Jozef Vandenberghe (chair of the board)
  • Director appointment, Jan Verhoeye (chair of the board)
  • Permanent representative, Jan Verhoeye
  • Auditor appointment, Figurad Bedrijfsrevisoren BV (statutory auditor)
  • Permanent representative, Ann De Causmaecker
  • Permanent representative, Philip Van Eeckhoute
  • Permanent representative, Bernard Vanden Avenne
  • Permanent representative, Herwig Dejonghe
  • Permanent representative, Piet Vandeputte
  • Permanent representative, Philippe Bijnens
  • +2 further facts in this act
23-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
10-11
State Gazette act Permanent representative: Philip Van Eeckhoute
Legal-form conversion3 facts ▸
  • Board meeting, 13/10/2020
  • Legal-form conversion, CommV
  • Permanent representative, Philip Van Eeckhoute
22-07
State Gazette act Resignation: Joannes Steverlynck (managing director)
Appointment: BV Philip Van Eeckhoute (managing director) · Permanent representative: Philip Van Eeckhoute4 facts ▸
  • Board meeting, 09/06/2020
  • Director resignation, Joannes Steverlynck (managing director)
  • Director appointment, BV Philip Van Eeckhoute (managing director)
  • Permanent representative, Philip Van Eeckhoute
25-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
10-01
State Gazette act Resignations: Piet Vandeputte, Peter Verhaegen and Multum Bedrijfsrevisoren BVBA
Appointments: BVBA Vandeputte & Hozee, BVBA Vedeco Puurs and Figurad Bedrijfsrevisoren BVBA · Permanent representatives: Piet Vandeputte, Peter Verhaegen and Ann De Causmaecker13 facts ▸
  • General meeting, 20/12/2018
  • Director resignation, Piet Vandeputte (director)
  • Director appointment, BVBA Vandeputte & Hozee (director)
  • Permanent representative, Piet Vandeputte
  • Director resignation, Peter Verhaegen (director)
  • Director appointment, BVBA Vedeco Puurs (director)
  • Permanent representative, Peter Verhaegen
  • Director resignation, Multum Bedrijfsrevisoren BVBA (statutory auditor)
  • Auditor appointment, Figurad Bedrijfsrevisoren BVBA (statutory auditor)
  • Permanent representative, Ann De Causmaecker
  • Board meeting, 20/12/2018
  • Director resignation, Piet Vandeputte (vicevoorzitter van de raad van bestuur)
  • +1 further facts in this act
2018
25-09
State Gazette act Restructuring
Merger · Dissolution · Accounting effect6 facts ▸
  • General meeting, 27/08/2018
  • Merger, 27/08/2018
  • Dissolution, 27-08-2018
  • Accounting effect, 01/07/2018
  • Power of attorney, de gedelegeerde bestuurders van de overnemende vennootschap
  • Merger details, zonder kapitaalverhoging en zonder uitgifte van nieuwe aandelen
12-09
State Gazette act Purpose · Statutes amendment
Name change · Purpose change · Capital7 facts ▸
  • General meeting, 27 augustus 2018
  • Name change, Liantis risk solutions
  • Purpose change, De vennootschap heeft tot doel, in België en in het buitenland, • bemiddeling in verzekeringen en herverzekeringen van welke aard of voor welke soort risico’s o…
  • Capital, €2.403.636,06
  • Statutes amendment
  • Power of attorney
  • Authorized capital increase, 500.000,00, EUR
19-07
State Gazette act Restructuring
Appointment: Multum Bedrijfsrevisoren BV ovv BVBA (statutory auditor) · Permanent representatives: Luc Criel, Philip Van Eeckhoute and 4 others · Merger14 facts ▸
  • Merger
  • Board meeting, 26 juni 2018
  • Accounting effect, 1 juli 2018
  • General meeting, 22 mei 2018
  • Auditor appointment, Multum Bedrijfsrevisoren BV ovv BVBA (statutory auditor)
  • Permanent representative, Luc Criel
  • General meeting, 1 juni 2018
  • Permanent representative, Philip Van Eeckhoute
  • Permanent representative, Herwig Dejonghe
  • Permanent representative, Philippe Bijnens
  • Permanent representative, Jan Verhoeye
  • Permanent representative, Bernard Vanden Avenne
  • +2 further facts in this act
11-07
State Gazette act Restructuring
Merger · Dissolution · Capital increase8 facts ▸
  • General meeting, 26/06/2018
  • Merger, 01/07/2018
  • Dissolution, 01-07-2018
  • Capital increase, €1.282.316,26
  • Accounting effect, 01/01/2018
  • Share-exchange ratio, 140
  • Board authorisation, toekenning nieuwe aandelen aan aandeelhouders overgenomen vennootschap
  • Contribution in kind, 2.228.629,86 EUR, 31/12/2017
01-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
15-05
State Gazette act Restructuring
Merger · Accounting effect · Share issue8 facts ▸
  • Board meeting, 06/04/2018
  • Merger
  • Accounting effect, 01/01/2018
  • Share issue, nieuwe aandelen gecreeerd
  • Share transfer, Zenito Aanvullend Pensioen → vzw Auxilio
  • Share transfer, Zenito Aanvullend Pensioen → vzw CIP
  • Share transfer, Zenito Aanvullend Pensioen → vzw ADMB
  • Power of attorney, Philip Van Eeckhoute
12-03
State Gazette act Restructuring
Merger · Dissolution · Accounting effect5 facts ▸
  • General meeting, 13/02/2018
  • Merger, ontbinding zonder vereffening van Liekens en Partners, overname door ADMB Verzekeringen
  • Dissolution, 13-02-2018
  • Accounting effect, 01/01/2018
  • Power of attorney, ADMB VERZEKERINGEN
2017
27-12
State Gazette act Resignations & appointments · Restructuring
Permanent representatives: Karel Ghesquière and Philip Van Eeckhoute · Merger · Accounting effect6 facts ▸
  • Board meeting, 24/10/2017
  • General meeting, 24/10/2017
  • Permanent representative, Karel Ghesquière
  • Permanent representative, Philip Van Eeckhoute
  • Merger, fusie door overneming
  • Accounting effect, 01/01/2018
06-09
State Gazette act Reappointments: CVOA KG Consult, BVBA Philip Van Eeckhoute and Jozef Vandenberghe
Permanent representatives: Karel Ghesquière and Philip Van Eeckhoute · Appointment: CVOA KG Consult (chair) · Resignation: Rik Verhulst (director)8 facts ▸
  • General meeting, 23/05/2017
  • Director reappointment, CVOA KG Consult (director)
  • Permanent representative, Karel Ghesquière
  • Director appointment, CVOA KG Consult (chair)
  • Director reappointment, BVBA Philip Van Eeckhoute (director)
  • Permanent representative, Philip Van Eeckhoute
  • Director reappointment, Jozef Vandenberghe (director)
  • Director resignation, Rik Verhulst (director)
25-07
State Gazette act Capital & shares · Statutes amendment · Restructuring
Merger · Dissolution · Accounting effect8 facts ▸
  • General meeting, 27/06/2017
  • General meeting, 27/06/2017
  • Merger, 27/06/2017
  • Dissolution, 27-06-2017
  • Accounting effect, 01/01/2017
  • Capital increase, €62.000
  • Capital, €1.040.719,8
  • Statutes amendment
24-07
State Gazette act Restructuring
Merger · Dissolution · Capital increase13 facts ▸
  • General meeting, 27/06/2017
  • General meeting, 27/06/2017
  • Merger
  • Dissolution, 27-06-2017
  • Capital increase, €80.600
  • Capital, €1.121.319,8
  • Accounting effect, 01/01/2017
  • Real estate, Ville de Mouscron - anciennement commune de Luingne - 9ème division cadastrale Dans un bâtiment à usage de bureaux sur un terrain sis dans la zone artisanale du…
  • Statutes amendment
  • Exchange ratio, 1.46907
  • Contribution in kind, boekwaarde, 867.705,62 EUR
  • Statutes amendment, 5
  • +1 further facts in this act
22-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
25-01
State Gazette act Restructuring
Permanent representatives: Karel Ghesquière and Philip Van Eeckhoute · Merger · Accounting effect8 facts ▸
  • Board meeting, 11/10/2016
  • Permanent representative, Karel Ghesquière
  • Permanent representative, Philip Van Eeckhoute
  • Merger
  • Accounting effect, 01/01/2017
  • Share issue, 451740, 225.328 aan vzw ADMB, 225.328 aan vzw Sociaal Bureau, 1084 aan Medicontrol
  • Real estate, onroerend goed gelegen te 7700 Moeskroen, Gustave Fachestraat 3/1
  • Exchange ratio, 1.46907
2016
07-12
State Gazette act Restructuring
Merger · Accounting effect · Share issue5 facts ▸
  • Board meeting, 11/10/2016
  • Merger, fusion by absorption
  • Accounting effect, 01/01/2017
  • Share issue, 1 new share of ADMB Verzekeringen per share of Liekens, none
  • Auditor appointment
13-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
2013
13-08
State Gazette act Resignation: Karel Ghesquière (director)
Appointment: CVOA K.G. Consult (director) · Permanent representative: Karel Ghesquière · Director discharge6 facts ▸
  • General meeting, 28/06/2013
  • Director resignation, Karel Ghesquière (director)
  • Director discharge, Karel Ghesquière
  • Director appointment, CVOA K.G. Consult (director)
  • Director appointment, CVOA K.G. Consult (chair)
  • Permanent representative, Karel Ghesquière
2012
20-07
State Gazette act Restructuring
Resignation: H.J. Cloostermans & C (director) · Permanent representative: Cloostermans, Herman Jozef · Capital decrease15 facts ▸
  • General meeting, 26/06/2012
  • Director resignation, H.J. Cloostermans & C (director)
  • Capital decrease, €2.301.841,19
  • Capital, €648.158,81
  • Share issue, 1 to 10, split
  • Merger, absorption, 01/01/2012
  • Dissolution, 26-06-2012
  • Net-asset statement, netto inbrengwaarde activa en passiva
  • Capital increase, €251.840,29
  • Capital increase, €78.720,7
  • Capital, €978.719,8
  • Accounting effect, 01/01/2012
  • +3 further facts in this act
09-05
State Gazette act Restructuring
Merger · Accounting effect · Share issue7 facts ▸
  • Merger
  • Accounting effect, 01/01/2012
  • Share issue, Replacement of 55,000 existing shares by 550,000 new shares (10 new for 1 old) and issuance of 187 new shares per share of NV Filip VANDEVEN
  • Profit participation, 01/01/2012
  • Exchange ratio basis, boekhoudkundig eigen vermogen per 31 december 2011
  • Cash consideration, nee
  • Auditor appointment
2011
18-08
State Gazette act Appointments: Philip Van Eeckhoute BVBA (director) and Philip Van Eeckhoute (managing director)
Permanent representative: Philip Van Eeckhoute · Reappointments: Jozef Vandenberghe, Rik Verhulst and Karel Ghesquière · Mandate compensation12 facts ▸
  • General meeting, 09/06/2011
  • Director appointment, Philip Van Eeckhoute BVBA (director)
  • Permanent representative, Philip Van Eeckhoute
  • Mandate compensation, Philip Van Eeckhoute BVBA
  • Director reappointment, Jozef Vandenberghe (director)
  • Director reappointment, Rik Verhulst (director)
  • Board meeting
  • Director appointment, Philip Van Eeckhoute (managing director)
  • Mandate compensation, Philip Van Eeckhoute
  • Director reappointment, Karel Ghesquière (chair of the board)
  • Director reappointment, Karel Ghesquière (director)
  • Director reappointment, Karel Ghesquière (gedelegeerd bestuurder)
31-03
State Gazette act Capital & shares
Name change · Capital increase · Bank account7 facts ▸
  • General meeting, 04/03/2011
  • Name change, ADMB VERZEKERINGEN
  • Capital increase, €470.000
  • Bank account, 03/03/2011
  • Capital, €2.950.000
  • Statutes amendment
  • Statutes amendment
2004
01-03
State Gazette act Restructuring
Merger · Capital · Accounting effect8 facts ▸
  • General meeting, 04-02-2004
  • Merger
  • Merger
  • Capital, €62.000
  • Capital, €62.000
  • Accounting effect, 01-01-2004
  • Director discharge, ADMB VERZEKERINGEN
  • Capital increase
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
10 directors, no change since 2025
Ludovic THEATE
Director · since 29-09-2025
Current
Paul LIEKENS
Director · since 29-09-2025
Current
Sabrina VEIDERS
Director · since 29-09-2025
Current
Kari Verlinden
Director · since 13-06-2023
Current
Kathleen Peeters
Vicevoorzitter · since 08-03-2022
Current
SYNANI
Director · since 08-03-2022 · Legal entity · perm. rep.: Bernard Vanden Avenne
Current
4 other directors
Jan Verhoeye
Chair of the board · since 08-06-2021
Current
Philip Van Eeckhoute
Managing director · since 01-02-2012
Current
BVBA Philip VAN EECKHOUTE
Director · Legal entity · perm. rep.: Philip Van Eeckhoute
Not recently confirmed
CVOA KG Consult
Chair · since 06-09-2017 · Legal entity · perm. rep.: Karel Ghesquière
Not recently confirmed
30-09-2025 Laurent SIMON: Resigned as Director
30-09-2025 Philip DA COSTA SENIOR: Resigned as Director
30-09-2025 Serge Martin: Resigned as Director
29-09-2025 Ludovic THEATE: Appointed as Director
29-09-2025 Paul LIEKENS: Appointed as Director
Full history in the Timeline (88 changes) →
Location & real-estate footprint
Registered office, Geel · 3 establishment units since 2000
establishment All 3 establishment units on the map
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.

Diestseweg 72440 Geel
Ground area
5,500 m²
Building footprint
1,366 m²
Volume, LiDAR
12,968 m³
3 parcels, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
LRS Insurance
Jan Breydellaan 107, 8200 BruggeActivities auxiliary to financial services and insurance activities
since 20002.038.338.105
LRS Insurance
Diestsevest 82, 3000 LeuvenOther activities auxiliary to financial services, excluding insurance and pension funding
since 20122.205.890.361
LRS Insurance
Diestseweg 7, 2440 GeelInsurance, reinsurance and pension funding, except compulsory social security
since 20152.249.731.787
3 parcels
Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31424B0762/00Z002 Flanders 4,553 m² 1 · 1,115 m² 12.1 m · 3 fl.
24062H0036/00B013 Flanders 765 m² 1 · 163 m² 16.1 m · 4 fl.
13008H0510/00F000 Flanders 181 m² 1 · 88 m² 13.9 m · 4 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
FIGURAD BEDRIJFSREVISORENCurrent
Statutory auditor · represented by Ann De Causmaecker
10-01-2019 → present
Show 2 earlier auditors
Multum Bedrijfsrevisoren BV ovv BVBA
Statutory auditor · represented by Luc Criel
19-07-2018 → 19-07-2018
Multum Bedrijfsrevisoren BVBA
Statutory auditor
- → 10-01-2019

Articles of association

Duration
Unlimited
according to the deed of 16-01-2023
Purpose
De vennootschap heeft tot voorwerp, in België en in het buitenland, • bemiddeling in verzekeringen en herverzekeringen van welke aard of voor welke soort risico’s ook en dit als…
Full purpose

De vennootschap heeft tot voorwerp, in België en in het buitenland, • bemiddeling in verzekeringen en herverzekeringen van welke aard of voor welke soort risico’s ook en dit als makelaar; • het beheer, het overnemen en overdragen van verzekeringsportefeuilles; • alle expertises, studie en advies en tussenkomst allerhande met betrekking tot de aangehaalde domeinen; • het afsluiten van verzekeringsovereenkomsten en alle activiteiten die daarmee verband houden, inclusief de vertegenwoordiging van verzekeringsmaatschappijen; Bovenvermelde opsomming is niet beperkend zodat de vennootschap alle handelingen kan stellen van commerciële, industriële, onroerende, roerende en financiële aard die rechtstreeks of onrechtstreeks met dit doel verwant of verknocht zijn of op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar voorwerp. Activiteiten De vennootschap mag alle handelingen stellen die rechtstreeks of onrechtstreeks verband houden met haar voorwerp. De vennootschap kan hiervoor samenwerkingsverbanden sluiten met andere ondernemingen of organisaties. De vennootschap mag op welke wijze ook betrokken zijn in zaken, ondernemingen of vennootschappen die hetzelfde, een soortgelijk, een gelijkaardig of samenhangend voorwerp hebben of die de ontwikkeling van haar voorwerp kunnen bevorderen. De vennootschap kan andere rechtspersonen oprichten, dan wel deelnemen in of rechtstreeks of onrechtstreeks belangen nemen in andere rechtspersonen.

according to the deed of 30-10-2025

Structure & network

Connections & network

39 connected companies
Philip Van Eeckhoute, Shared director, links 6 companies PVPhilip VanEeckhouteLiantis caisse d'assurances sociales, via Philip Van Eeckhoute LCLiantis caissed'assurances…Liantis group, via Philip Van Eeckhoute LGLiantis groupLiantis service externe pour la prévention et la protection, via Philip Van Eeckhoute LSLiantisservice…Liantis sociaal secretariaat, via Philip Van Eeckhoute LSLiantis sociaalsecretariaatBLUEBRIDGE INCUBATIE- EN INNOVATIECENTRUM, via Philip Van Eeckhoute BIBLUEBRIDGEINCUBATIE- EN…SBB Gecertificeerde Accountants en Adviseurs, via Philip Van Eeckhoute SGSBBGecertificeerde…Jan Verhoeye, Shared director, links 4 companies JVJan VerhoeyeGIGARANT, via Jan Verhoeye GGIGARANTSYNTRA WEST, via Jan Verhoeye SWSYNTRA WESTKathleen Peeters, Shared director, links 4 companies KPKathleen Peeters+13 companies via a shared director +13via a shareddirectorAGC Serviglass, Shared director ASAGC ServiglassAXA BELGIUM, Shared director ABAXA BELGIUMLRS Insurance LRSInsurance0433.343.936
Shared directorsBundled connections
Linked via shared directors
Show 35 more companies with a shared director
SYNTRA WEST
via Jan Verhoeye · Lid van het uitvoerend comité
→
AGC Serviglass
Shared director
→
AMPHORA
Shared director
→
AXA BELGIUM
Shared director
→
AXA IM SELECT BELGIUM
Shared director
→
BEOBANK NV/SA
Shared director
→
COMPENS®
Shared director
→
DIGICHAMBERS
Shared director
→
ELISABETH AAN ZEE
Shared director
→
F'in Common
Shared director
→
Ghentpoort
Shared director
→
GVO
Shared director
→
Het Laar
Shared director
→
KIDSLIFE BRUSSELS
Shared director
→
Kidslife Vlaanderen
Shared director
→
LEGAL VILLAGE
Shared director
→
O.L.V. van Lourdes
Shared director
→
PREVIUS
Shared director
→
SALM INVEST
Shared director
→
Sint Anna
Shared director
→
Sint Anna
Shared director
→
Sint Jozef
Shared director
→
Sint Vincentius
Shared director
→
Sint Vincentius
Shared director
→
SKILLIANT
Shared director
→
TSF Belgique
Shared director
→
→

Acquisitions and mergers

10 transactions
Took over:ADMB Finance
BE 0444.026.309merger by absorption · State Gazette act of 25-09-2018 (2 acts) · effective 27-08-2018
BE 0432.665.827State Gazette act of 11-07-2018 (2 acts)
BE 0818.623.283silent merger · State Gazette act of 12-03-2018 (2 acts)
Took over:Liekens
BE 0414.915.322merger by absorption · State Gazette act of 25-07-2017 · effective 27-06-2017
Took over:Sartorius
BE 0447.059.439State Gazette act of 24-07-2017 (2 acts)
Took over:Liekens
BE 0414.915.322merger by absorption · proposal · State Gazette act of 07-12-2016
Took over:FILIP VANDEVEN
BE 0439.501.555merger by absorption · State Gazette act of 20-07-2012 (2 acts)
Took over:JULES PEETERS
State Gazette act of 01-03-2004
Took over:VERZEKERINGEN PAUL DE SMET
State Gazette act of 01-03-2004
Split off to:Liantis assurance
BE 1024.106.105State Gazette act of 09-09-2025 (2 acts) · effective 10-06-2025

Capital and shareholders

Shareholders according to the acts
Share transfer act of 15-05-2018 ↗

The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 30-10-2025 Capital stated in the act · 61,500 EUR
  2. 11-07-2025 Capital reduction of 78,720.70 EUR · to 3,524,915.36 EUR · “aanrekening boekhoudkundige verliezen op belaste reserves”
  3. 11-07-2025 Capital reduction of 2,253,736.49 EUR · to 1,271,178.87 EUR · “aanzuivering van de geleden verliezen”
  4. 11-07-2025 Capital reduction of 1,209,678.87 EUR · to 61,500 EUR · reële kapitaalvermindering
  5. 16-01-2023 Capital stated in the act · 2,403,636.06 EUR
  6. 12-09-2018 Capital stated in the act · 2,403,636.06 EUR · 2,703,087 shares
  7. 11-07-2018 Capital increase of 1,282,316.26 EUR · to 2,403,636.06 EUR
  8. 25-07-2017 Capital increase of 62,000 EUR · 1,247 new shares
Show 5 older capital entries
  1. 24-07-2017 Capital increase of 80,600 EUR · 451,740 new shares
  2. 20-07-2012 Capital reduction of 2,301,841.19 EUR · to 648,158.81 EUR · “aanzuivering van de geleden verliezen”
  3. 20-07-2012 Capital increase of 251,840.29 EUR · to 899,999.10 EUR · 280,500 new shares
  4. 20-07-2012 Capital increase of 78,720.70 EUR · to 978,719.80 EUR · no new shares
  5. 31-03-2011 Capital increase of 470,000 EUR · to 2,950,000 EUR · 5,000 new shares · in cash

Public money · subsidies and aid

Flemish government

2022 to 2025 · 5 entries · 17,196 EUR awarded · 17,252 EUR paid
Year Entries awardedpaid
2025 1 3,448 EUR3,448 EUR
2024 1 5,057 EUR5,057 EUR
2023 1 705 EUR761 EUR
2022 2 7,986 EUR7,986 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
4 entries · 16,710 EUR · 16,766 EUR paid · Fonds voor Innoveren en Ondernemen
Vlaams opleidingsverlof (VOV)
1 entry · 486 EUR · 486 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Legal Entity Identifier

87550062G57IHIYE5689
live in the LEI register

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VANDERLINDEN ASSURANCES
BE 0455.563.666
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BE 0462.666.244
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,005 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
Founded08-02-1988
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

5 entries
Enterprise
E-mail:paul.liekens@lrsinsurance.be
Enterprise
Phone:0475 43 06 56
Enterprise
Establishment Leuven 2.205.890.361
E-mail:info@liantis.be
Establishment Leuven 2.205.890.361

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