Howden Belgium

Active

Public limited companyfounded 20206 yrs activeBelgicastraat 1, 1930 Zaventem, BelgiumKBO/BCE: BE 0745.664.635

Summary

Howden Belgium 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 €16.2m and a net result of -€7.3m. Equity is shrinking by ~22.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 44% of 603 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Howden BelgiumActive

Risk analysis Report Compare

Activity

Insurance agents and brokers

NACE 66220

#1 company by staff growth in Flemish Brabant, Finance and insurance sector6 sites

Size

€46.7mtotal assets 2025

Staff: 37.4 FTE
Equity: €16.2m
Loss: -€7.3m

Financial health

Financial institution: outside the modelProbability: sector outside the model

Structure

Parent: Howden Broking Group Ltd.
Board: 4 members
Holdings: 4

Auditor: Ernst & Young BedrijfsrevisorenAccounts 35 d early

SignalsLatest 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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 26-06-2026, 35 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

35 d early

2024

42 d late

2023

1 d early

2022

45 d early

2021

74 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)

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

25-08-26 RestructuringPermanent representative: Wouter Van den…
13-08-26 Capital & shares · RestructuringMerger · Shareholding · Accounting…
14-07-26 Resignation: Louise Cable-Alexander (director)Appointment: Laurent Berckmans (director) ·…

Key points

Risk: 5 loss-making years in a rowloss fiscal year 2025 -€7.3m View
Caution: Among the weakest 5% on net resultsector median €113,942 · 604 companies -€7.3m View
Controlled by Howden Broking Group Ltd.itself parent of 4 companies parent View
Merger with DWELSHAUVERS ASSURANCESmerger on 16-07-2026 2026 View
Caution: Result fell in 2025from -€5.3m to -€7.3m ▼ 37.2% View
Board changedlatest change 14-07-2026 · 4 in office 1 joined · 1 left View