VANBREDA GEERTS

Public limited companyfounded 199927 yrs activeLooiweg 1, 2310 Rijkevorsel, BelgiumKBO/BCE: BE 0466.513.679

Summary

VANBREDA GEERTS 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 €2.59M and a net result of €910k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 61% of 1475 sector peers (fiscal year 2025). The company has been active since 1999 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

1 signal. The signal on the left, the evidence on the right.

○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 filings

Deviation from the deadline

2025

133 d early

2024

128 d early

2023

126 d early

2022

132 d early

2021

103 d early

2020

121 d early

2019

126 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, abbreviated schema

Equity

€2.59M▲ 7.5%

2024 · €2.41M

2018: €1.35M 2019: €1.48M 2020: €1.65M 2021: €1.82M 2022: €2.00M 2023: €2.20M 2024: €2.41M

2018 → 2025

Net result

€910k▼ 14.2%

2024 · €1.06M

2018: €609k 2019: €669k 2020: €831k 2021: €835k 2022: €929k 2023: €982k 2024: €1.06M

2018 → 2025

Total assets

€5.11M▲ 4.4%

2024 · €4.90M

2018: €3.50M 2019: €3.72M 2020: €3.74M 2021: €3.96M 2022: €4.48M 2023: €4.57M 2024: €4.90M

2018 → 2025

Solvency

50.7%▲ 1.5pp

2024 · 49.2%

2018: 38.6% 2019: 39.9% 2020: 44.1% 2021: 45.9% 2022: 44.7% 2023: 48.1% 2024: 49.2%

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€3.18M€3.10M▼ 2.5%

Equity€1.82M-€2.00M▲ 10.2%€2.20M▲ 9.8%€2.41M▲ 9.6%€2.59M▲ 7.5%

Operating result€1.13M-€1.26M▲ 11.5%€1.30M▲ 3.2%€1.37M▲ 5.4%€1.20M▼ 12.7%

Net result€835k-€929k▲ 11.3%€982k▲ 5.7%€1.06M▲ 7.9%€910k▼ 14.2%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 13% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €5.11M

93.6%

Fixed assets €326k ▼ 26.9%

Current assets €4.79M ▲ 7.6%

Equity and liabilities €5.11M

50.7%

49.3%

Equity €2.59M ▲ 7.5%

Debt €2.52M ▲ 1.4%

Debt's share of the balance-sheet total falls from 50.8% to 49.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

ROE

35.1%▼

2024 · 44.0%

ROA

17.8%▼

2024 · 21.7%

Debt ≤ 1 year

€2.19M▼

2024 · €2.20M

Income taxes

€320k▼

2024 · €375k

Staff costs

€1.18M▲

2024 · €1.09M

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 · 56 lines

Balance sheet Code20242025

Assets

Total assets20/58€4.90M€5.11M▲

Fixed assets21/28€446k€326k▼

Tangible fixed assets22/27€446k€326k▼

Land and buildings22€226k€176k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€64k€29k▼

Other tangible fixed assets26€154k€120k▼

Current assets29/58€4.45M€4.79M▲

Amounts receivable within one year40/41€1.39M€1.51M▲

Trade receivables40€1.38M€1.45M▲

Other amounts receivable41€12k€63k▲

Cash at bank and in hand54/58€3.05M€3.27M▲

Deferred charges and accrued income490/1€17k€7k▼

Equity and liabilities

Total equity and liabilities10/49€4.90M€5.11M▲

Equity10/15€2.41M€2.59M▲

Contributions10/11€207k€207k=

Capital10€207k€207k=

Issued capital100€207k€207k=

Reserves13€2.20M€2.39M▲

Non-distributable reserves130/1€21k€21k=

Legal reserve130€21k€21k=

Tax-exempt reserves132€9k€9k=

Distributable reserves133€2.18M€2.36M▲

Profit (loss) carried forward14€639-

Amounts payable17/49€2.49M€2.52M▲

Amounts payable within one year42/48€2.20M€2.19M▼

Trade debts44€1.11M€1.20M▲

Suppliers440/4€1.11M€1.20M▲

Taxes, remuneration and social security45€247k€258k▲

Taxes450/3€4k€3k▼

Remuneration and social security454/9€243k€254k▲

Other amounts payable47/48€848k€728k▼

Accrued charges and deferred income492/3€282k€336k▲

Income statement Code20242025

Turnover70€3.18M€3.10M▼

Non-recurring operating income76A€3k-

Goods, raw materials, services and sundry goods60/61€597k€599k▲

Remuneration, social security and pensions62€1.09M€1.18M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€120k▲

Other operating charges640/8€8k€7k▼

Gross operating margin9900€2.59M€2.51M▼

Operating profit (loss)9901€1.37M€1.20M▼

Financial income75/76B€63k€31k▼

Recurring financial income75€63k€31k▼

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€1.44M€1.23M▼

Income taxes67/77€375k€320k▼

Profit (loss) for the period9904€1.06M€910k▼

Profit (loss) for the period to be appropriated9905€1.06M€910k▼

Appropriation of the result

Profit (loss) to be appropriated9906€1.06M€910k▼

Profit (loss) brought forward from the previous period14P€549€639▲

Transfer to equity691/2€212k€183k▼

To other reserves6921€212k€183k▼

Profit to be distributed694/7€848k€728k▼

Return on contributions (dividend)694€848k€728k▼

Social balance

Average headcount (FTE)908711.111.4▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 30Financial 2Gazette 18Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-03

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

25-03

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2018net €1.06M ▲7.9%

Operating result €1.37M, net result €1.06M, both a record.

22-10

State Gazette act Resignation: Eric Peeters (director)

6 facts ▸

General meeting, 01-10-2024
Director resignation, Eric Peeters (director)
Board composition, Pedro Matthynssens (chair of the board)
Board composition, Pascal Joosten (managing director)
Board composition, Filip Geerts (managing director)
Board composition, Koen Dierckx (director)

02-04

State Gazette act Reappointments: Pedro Matthynssens, Filip Geerts and 4 others

Permanent representative: Philippe Venken · Appointments: Pedro Matthynssens, Filip Geerts and Pascal Joosten11 facts ▸

General meeting, 07-03-2024
Director reappointment, Pedro Matthynssens (director)
Director reappointment, Filip Geerts (director)
Director reappointment, Pascal Joosten (director)
Director reappointment, Koen Dierckx (director)
Director reappointment, Erik Peeters (director)
Auditor reappointment, BDO Bedrijfsrevisoren BV
Permanent representative, Philippe Venken
Director appointment, Pedro Matthynssens (chair of the board)
Director appointment, Filip Geerts (managing director)
Director appointment, Pascal Joosten (managing director)

27-03

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

03-07

State Gazette act Statutes amendment

9 facts ▸

General meeting, 28-06-2023
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment
Statutes amendment

21-03

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Equity above €2MEq €2.00M ▲10.2%

5 profitable years in a row build equity to €2.00M.

11-05

State Gazette act Reappointment: BDO Bedrijfsrevisoren Burg. Venn. CVBA (statutory auditor)

Permanent representative: Philippe Venken3 facts ▸

General meeting, 03-03-2022
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
Permanent representative, Philippe Venken

19-04

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

25-11

State Gazette act Reappointment: Eric Peeters (director)

8 facts ▸

General meeting, 30-09-2021
Director reappointment, Eric Peeters (director)
Board composition, Pedro Matthynssens (bestuurder, voorzitter van de raad van bestuur)
Board composition, Pascal Joosten (bestuurder, gedelegeerd bestuurder)
Board composition, Filip Geerts (bestuurder, gedelegeerd bestuurder)
Board composition, Koen Dierckx (director)
Board composition, Eric Peeters (director)
Board composition, alle mandaten, 2024

Show earlier events

13-04

State Gazette act Reappointments: Pedro Matthynssens, Pascal Joosten and 2 others

Appointments: Pedro Matthynssens, Pascal Joosten and Filip Geerts8 facts ▸

General meeting, 04-03-2021
Director reappointment, Pedro Matthynssens (director)
Director appointment, Pedro Matthynssens (chair of the board)
Director reappointment, Pascal Joosten (director)
Director appointment, Pascal Joosten (managing director)
Director reappointment, Filip Geerts (director)
Director appointment, Filip Geerts (managing director)
Director reappointment, Koen Dierckx (director)

01-04

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

27-03

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

27-03

State Gazette act Reappointment: BDO Bedrijfsrevisoren Burg. Venn. CVBA (statutory auditor)

Permanent representative: Philippe Venken3 facts ▸

General meeting, 07-03-2019
Auditor reappointment, BDO Bedrijfsrevisoren Burg. Venn. CVBA
Permanent representative, Philippe Venken

21-03

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

21-01

State Gazette act Permanent representative: Philippe Venken

Mandate end2 facts ▸

Permanent representative, Philippe Venken
Mandate end, na de gewone algemene vergadering die zich zal uitspreken over de goedkeuring van de jaarrekening van het boekjaar 2018

2018

20-03

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

03-04

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

12-01

State Gazette act Appointments: Pascal Joosten (managing director) and Filip Geerts (managing director)

Registered-office move5 facts ▸

Board meeting, 23-11-2016
Registered-office move, Looiweg 1, 2310 Rijkevorsel
Board meeting, 03-02-2016
Director appointment, Pascal Joosten (managing director)
Director appointment, Filip Geerts (managing director)

2016

18-02

State Gazette act Resignations: ABES INSURE (manager) and GEERTS Filip Jozef Hugo (manager)

Appointments: MATTHYNSSENS Pedro Ludovicus Honoré, JOOSTEN Pascal Michel Alin and 4 others · Name change · Legal-form conversion20 facts ▸

General meeting, 03-02-2016
Name change, VANBREDA GEERTS
Legal-form conversion, naamloze vennootschap
Capital, €206.800
Net-asset statement, 31-12-2015
Director resignation, ABES INSURE (manager)
Director resignation, GEERTS Filip Jozef Hugo (manager)
Director appointment, MATTHYNSSENS Pedro Ludovicus Honoré (director)
Director appointment, JOOSTEN Pascal Michel Alin (director)
Director appointment, DIERCKX Koen August Jozef (director)
Director appointment, GEERTS Filip Jozef Hugo (director)
Director appointment, PEETERS Eric Francis Jan (director)
+8 further facts in this act

14-01

State Gazette act Resignation: Annemie Victor (manager)

2 facts ▸

General meeting, 16-12-2015
Director resignation, Annemie Victor (manager)

2014

18-04

State Gazette act Appointment: Annemie Victor (manager)

Mandate compensation3 facts ▸

General meeting, 31-12-2012
Director appointment, Annemie Victor (manager)
Mandate compensation, Annemie Victor

16-01

State Gazette act Capital & shares · Statutes amendment

Capital increase · Bank account · Capital6 facts ▸

General meeting, 23-12-2013
Capital increase, €181.800
Bank account, BNP Paribas Fortis Bank, BE54 0017 1520 2597
Capital, €206.800
Statutes amendment
Power of attorney, de zaakvoerder

2012

14-09

State Gazette act Resignation: Pascale Druyts (manager)

1 fact ▸

Director resignation, Pascale Druyts (manager)

2011

11-02

State Gazette act Appointment: Abes Insure GCV (manager)

Permanent representative: Peeters Eric3 facts ▸

General meeting, 24-12-2010
Director appointment, Abes Insure GCV (manager)
Permanent representative, Peeters Eric

2008

01-12

State Gazette act Appointment: DRUYTS Pascale (zaakvoerster)

Mandate compensation3 facts ▸

General meeting, 01-10-2008
Director appointment, DRUYTS Pascale (zaakvoerster)
Mandate compensation, DRUYTS Pascale

2007

15-01

State Gazette act Registered office

Registered-office move2 facts ▸

General meeting, 18-12-2006
Registered-office move, Bochtenstraat 32 - 2310 Rijkevorsel

2004

26-01

State Gazette act Resignation: GEERTS Jan (manager)

Director discharge3 facts ▸

General meeting, 30-12-2003
Director resignation, GEERTS Jan (manager)
Director discharge, GEERTS Jan

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 directors, no change since 2024

GEERTS Filip Jozef Hugo

Managing director · since 04-02-2016

Current

DIERCKX Koen August Jozef

Director · since 03-02-2016

Current

JOOSTEN Pascal Michel Alin

Managing director · since 03-02-2016

Current

MATTHYNSSENS Pedro Ludovicus Honoré

Chair of the board · since 03-02-2016

Current

Erik Peeters

Director

Current

PEETERS Eric Francis Jan

Director · since 04-02-2016

Not recently confirmed

30-09-2024 Eric Peeters: Resigned as Director

07-03-2024 GEERTS Filip Jozef Hugo: Appointed as Managing director

07-03-2024 JOOSTEN Pascal Michel Alin: Appointed as Managing director

07-03-2024 MATTHYNSSENS Pedro Ludovicus Honoré: Appointed as Chair of the board

04-03-2021 GEERTS Filip Jozef Hugo: Mandate renewed as Director

Full history in the Timeline (24 changes) →

Location & real-estate footprint

Registered office, Rijkevorsel · 1 establishment unit since 1999

establishment The establishment unit 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.

Looiweg 12310 Rijkevorsel

Ground area

483 m²

Building footprint

466 m²

Volume, LiDAR

2,032 m³

Parcel 13502E0203/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Looiweg 1, 2310 Rijkevorsel

NACE 67201

since 19992.092.451.732

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13502E0203/00L000	Flanders	483 m²	1 · 466 m²	6.8 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Statutory auditor

1 auditor

BDO Bedrijfsrevisoren Burg. Venn. CVBACurrent

Auditor · represented by Philippe Venken

07-03-2019 → present

Show 1 earlier auditors

BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES

Auditor · represented by Philippe Venken

succeeded by BDO Bedrijfsrevisoren Burg. Venn. CVBA in 2019

03-02-2016 → 07-03-2019

Articles of association

Purpose

Het optreden als makelaar, agent en vertegenwoordiger van verzekeringsmaatschappijen; het beheer van en overgeven en overnemen van verzekeringsportefeuilles; alle expertises…

Full purpose

Het optreden als makelaar, agent en vertegenwoordiger van verzekeringsmaatschappijen; het beheer van en overgeven en overnemen van verzekeringsportefeuilles; alle expertises, studies en raadgevingen en tussenkomsten allerhande, het bemiddelen in hypothecaire en andere leningsovereenkomsten. Zij mag alle roerende en onroerend, industriële en financiële verrichtingen doen, evenals alle verrichtingen die rechtstreeks of onrechtstreeks verband houden met haar maatschappelijk doel; en dit in de meest ruime zin, zowel in binnen- en buitenland. Zij mag belangen hebben of verwerven in andere vennootschappen. Zij mag zich borg stellen voor eigen rekening of ten gunste van derden, evenals voorschotten en kredieten toestaan en waarborgen verstrekken.

according to the deed of 18-02-2016

Structure & network

Connections & network

11 connected companies

Shared directors

Linked via shared directors

Becobra

via MATTHYNSSENS Pedro Ludovicus Honoré · Chair

→

Justitia

via MATTHYNSSENS Pedro Ludovicus Honoré · Director

→

VANBREDA CREDINCO

via MATTHYNSSENS Pedro Ludovicus Honoré · Director

→

Vanbreda Soenen Missinne

via MATTHYNSSENS Pedro Ludovicus Honoré, JOOSTEN Pascal Michel Alin and DIERCKX Koen August Jozef

→

Show 7 more companies with a shared director

Vanbreda Waasland

via MATTHYNSSENS Pedro Ludovicus Honoré, JOOSTEN Pascal Michel Alin and DIERCKX Koen August Jozef · Director

→

The Boston Consulting Group

via MATTHYNSSENS Pedro Ludovicus Honoré · Member of the executive committee

former→

Embuild Antwerpen

Shared director

→

Embuild Antwerpen Algemene Aannemers

Shared director

→

NV BEKAERT SA

Shared director

→

ORBISS

Shared director

→

VIDAGRI

Shared director

→

Ownership & control

2 parent companies

Control over this companyparent company per the LEI register2

VANBREDA RISK & BENEFITS

Antwerpen

Unibreda

Antwerpen · indirect

controls

VANBREDA GEERTSBE 0466.513.679

Capital and shareholders

Capital over the years

18-02-2016 Capital stated in the act · 206,800 EUR · 200 shares
16-01-2014 Capital increase of 181,800 EUR · to 206,800 EUR · “zonder uitgifte van nieuwe kapitaalaandelen”

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 2,364 EUR awarded · 2,364 EUR paid

Year	Entries	awarded	paid
2025	1	2,364 EUR	2,364 EUR

Schemes

Vlaams opleidingsverlof (VOV)

1 entry · 2,364 EUR · 2,364 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Legal Entity Identifier

69940029IM0J2YAGVH51

live in the LEI register

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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,421 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

Founded11-08-1999

Fiscal year end31-12

Activities, NACEBEL 2025

66220Insurance agents and brokers

Sources

Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers

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