ACTIVE

Nivezé Prévoyance

Financial year 2025 · Closed on 30/06/2025

Net result43,1 k €-33,1 %over 1 year

Gross margin630,6 k €+2,9 %over 1 year

Equity1,5 M €+2,8 %over 1 year

Identity

Source · BCE/KBO

Nivezé Prévoyance is a Cooperative society incorporated in 1917. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Jalhay.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0405.845.624
Incorporation: 11/11/1917
Legal form: Cooperative society
Registered office: Rue Pré Jonas 2A
4845 Jalhay · WallonieSee on map
Contributed capital: 40 075,00 €
Latest accounts: 30/06/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 47 filings

Trend over 17 financial years

	2025		2024		2023		2022		2019
Income statement
Gross margin	630,6 k €	+2.9%	613 k €	+10.3%	555,9 k €	+8.9%	510,5 k €	-10.0%	567 k €
EBITDA	102,8 k €	-24.1%	135,5 k €	+20.5%	112,5 k €	-5.0%	118,4 k €	-37.3%	188,7 k €
Operating result	54,9 k €	-34.6%	84 k €	+38.6%	60,6 k €	-6.5%	64,8 k €	-55.1%	144,3 k €
Net result	43,1 k €	-33.1%	64,5 k €	+33.2%	48,4 k €	-19.8%	60,3 k €	-43.3%	106,4 k €
Balance sheet
Equity	1,5 M €	+2.8%	1,5 M €	+4.3%	1,4 M €	+3.3%	1,4 M €	-1.9%	1,4 M €
Total assets	1,7 M €	+1.4%	1,7 M €	+2.4%	1,6 M €	+2.3%	1,6 M €	-7.7%	1,7 M €
Cash	744 k €	+12.0%	664 k €	+5.6%	628,7 k €	+288%	162 k €	+76.3%	91,9 k €
Debts	177,5 k €	-9.4%	195,9 k €	-10.0%	217,8 k €	+2.5%	212,5 k €	-33.3%	318,7 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 30/06/2025

8 active · 10 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Charles HOUSSA	Director10/11/2023 → 09/11/2029
André Mathonet	Director12/11/2021 → 12/11/2027
Cédric Herman	Director10/11/2017 → 13/11/2026
Christian Marchot	Director18/11/2016 → 13/11/2026
Claudine Gernay	Chairman of the board of directors05/03/2021 → 13/11/2026Vice-chairman of the board of directors16/11/2012 → 13/11/2026endedManaging director10/11/2006 → 16/11/2018endedDirectorended
Daniel Wuidart	Managing director14/11/2014 → 13/11/2026Director27/10/2002 → 14/11/2020ended
Frédéric Jérôme	Director10/11/2017 → 13/11/2026
Virginie Blocteur	Director10/11/2017 → 13/11/2026

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Joseph Laurent	Mandate05/03/2021 → 13/11/2026Chairman of the board of directors05/03/2021 → 13/11/2026
Noëlle Willem	Director05/03/2021 → 14/11/2022

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/07/2024	01/07/2023	01/07/2022	01/07/2021	01/07/2020	01/07/2019
Closing of the financial year	30/06/2025	30/06/2024	30/06/2023	30/06/2022	30/06/2021	30/06/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	17/11/2025	26/11/2024	16/11/2023	24/11/2022	17/11/2021	31/12/2020
General meeting	14/11/2025	08/11/2024	10/11/2023	14/11/2022	12/11/2021	11/12/2020
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 47 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	30/06/2025	14/11/2025	17/11/2025	French	PDF
Micro model	30/06/2024	08/11/2024	26/11/2024	French	PDF
Micro model	30/06/2023	10/11/2023	16/11/2023	French	PDF
Micro model	30/06/2022	14/11/2022	24/11/2022	French	PDF
Micro model	30/06/2021	12/11/2021	17/11/2021	French	PDF
Micro model	30/06/2020	11/12/2020	31/12/2020	French	PDF
Micro model	30/06/2019	15/11/2019	03/12/2019	French	PDF
Abridged model	30/06/2018	09/11/2018	16/11/2018	French	PDF
Abridged model	30/06/2017	10/11/2017	05/12/2017	French	PDF
Abridged model	30/06/2016	18/11/2016	13/12/2016	French	PDF
Abridged model	30/06/2015	13/11/2015	20/11/2015	French	PDF
Abridged model	30/06/2014	14/11/2014	11/12/2014	French	PDF
Abridged model	30/06/2013	08/11/2013	20/11/2013	French	PDF
Abridged model	30/06/2012	16/11/2012	30/11/2012	French	PDF
Abridged model	30/06/2011	25/11/2011	13/12/2011	French	PDF
Abridged model	30/06/2010	19/11/2010	09/12/2010	French	PDF
Abridged model	30/06/2009	13/11/2009	08/12/2009	French	PDF
Abridged model	30/06/2008	14/11/2008	24/11/2008	French	PDF
Abridged model	30/06/2007	09/11/2007	30/11/2007	French	PDF
Abridged model	30/06/2006	10/11/2006	29/11/2006	French	PDF
Abridged model	30/06/2005	10/11/2005	07/12/2005	French	PDF
Abridged model	30/06/2004	12/11/2004	25/11/2004	French	PDF
Abridged model	30/06/2003	14/11/2003	31/12/2003	French	PDF
Abridged model	30/06/2002	27/10/2002	07/11/2002	French	PDF
Abridged model	30/06/2001	28/10/2001	05/02/2002	French	PDF
Abridged model	30/06/2000	29/10/2000	27/11/2000	French	PDF
Abridged model	30/06/1999	28/10/1999	13/12/1999	French	PDF
Abridged model	30/06/1998	25/10/1998	17/11/1998	French	—
Abridged model	30/06/1997	26/10/1997	01/12/1997	French	—
Abridged model	30/06/1996	27/10/1996	03/12/1996	French	—
Abridged model	30/06/1995	29/10/1995	01/12/1995	French	—
Abridged model	30/06/1994	30/10/1994	20/01/1995	French	—
Abridged modelCorrection	31/05/1993	29/08/1993	07/01/1994	French	—
Abridged model	31/05/1993	29/08/1993	27/10/1993	French	—
Abridged model	31/05/1992	30/08/1992	16/09/1992	French	—
Abridged model	31/05/1991	25/08/1991	22/11/1991	French	—
Abridged model	31/05/1990	26/08/1990	07/09/1990	French	—
Abridged model	31/05/1989	27/08/1989	29/08/1989	French	—
Abridged model	31/05/1988	21/08/1988	28/12/1988	French	—
Abridged model	31/05/1987	30/08/1987	29/12/1987	French	—
Abridged model	31/05/1986	24/08/1986	30/09/1986	French	—
m900-p	31/05/1984	01/01/9999	28/12/1984	English	—
m900-p	31/05/1982	29/08/1982	10/01/1983	English	—
m900-p	31/05/1981	01/01/9999	30/12/1981	English	—
m900-p	31/05/1980	01/01/9999	28/10/1980	English	—
m900-p	31/05/1979	01/01/9999	28/12/1979	English	—
m900-p	31/05/1978	01/01/9999	16/10/1978	English	—

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Board of directors

Source · NBB, accounts to 30/06/2025

8 active · 10 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Charles HOUSSA	Director10/11/2023 → 09/11/2029
André Mathonet	Director12/11/2021 → 12/11/2027
Cédric Herman	Director10/11/2017 → 13/11/2026
Christian Marchot	Director18/11/2016 → 13/11/2026
Claudine Gernay	Chairman of the board of directors05/03/2021 → 13/11/2026Vice-chairman of the board of directors16/11/2012 → 13/11/2026endedManaging director10/11/2006 → 16/11/2018endedDirectorended
Daniel Wuidart	Managing director14/11/2014 → 13/11/2026Director27/10/2002 → 14/11/2020ended
Frédéric Jérôme	Director10/11/2017 → 13/11/2026
Virginie Blocteur	Director10/11/2017 → 13/11/2026

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
Joseph Laurent	Mandate05/03/2021 → 13/11/2026Chairman of the board of directors05/03/2021 → 13/11/2026
Noëlle Willem	Director05/03/2021 → 14/11/2022

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates16/01/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates12/12/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates06/01/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates15/03/2021
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DIVERS - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates31/12/2018
DEMISSIONS, NOMINATIONS
PDF
Mandates05/12/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates21/04/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates15/04/2016
DEMISSIONS, NOMINATIONS
PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation1917

Name

Registered office

Annual accounts

Filings17 filings

Mandates

Charles HOUSSA

André Mathonet

Claudine Gernay

Virginie Blocteur

Cédric Herman

Frédéric Jérôme

Christian Marchot

Daniel Wuidart

Noëlle Willem

Joseph Laurent

Roger JEROME

Henri SCHRAYEN

and 5 more mandates

1966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026202720282029

Nivezé Prévoyance

Rue Pré Jonas 2A, 4845 Jalhay

Director

Chairman of the board of directorsVice-chairman of the board of directorsManaging director

Director

Managing directorDirector

Director

Chairman of the board of directors

Director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue Pré Jonas 2A, 4845 JalhayCurrent	accounts 2022 → 2025	Accounts 2025 · 2025-00567509

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
Nivezé PrévoyanceCurrent	accounts 2022 → 2025	Accounts 2025 · 2025-00567509

Events

2025
Annual accounts 202543,1 k €↓
2024
Annual accounts 202464,5 k €↑
2023
Annual accounts 202348,4 k €↓
2022
Annual accounts 202260,3 k €↓
2019
Annual accounts 2019106,4 k €↑
2018
Annual accounts 201834 k €↓
2017
Annual accounts 201742,8 k €↓
2016
Annual accounts 201653,7 k €↑
2015
Annual accounts 201534,8 k €↓
2014
Annual accounts 201451,4 k €↑
2013
Annual accounts 201336,6 k €↑
2012
Annual accounts 201225,1 k €↓
2011
Annual accounts 201179,6 k €↑
2010
Annual accounts 201070,5 k €↑
2009
Annual accounts 200954,8 k €↑
2008
Annual accounts 200845,4 k €↑
2007
Annual accounts 200740,4 k €
11/11/1917
IncorporationCooperative society

Nivezé Prévoyance

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline

Timeline

Registered offices

Company names

Events