ACTIVE

PROMISIA ASSURANCES

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Financial year 2025 · Closed on 31/12/2025

Net result157,4 k €+81,9 %over 1 year

Gross margin619,8 k €-22,1 %over 1 year

Equity586,6 k €-10,3 %over 1 year

Workforce7,9 ETP-24,0 %over 1 year

Identity

Source · BCE/KBO

PROMISIA ASSURANCES is a Private limited company incorporated in 1979. Its main activity is: Non-life insurance. Its registered office is in Malmedy. It employs on average 7,9 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0420.178.858
Incorporation: 28/12/1979
Legal form: Private limited company
Registered office: Avenue des Alliés 82a
4960 Malmedy · WallonieSee on map
Contributed capital: 606 750,83 €
Latest accounts: 31/12/2025
Average workforce: 7,9 ETP

Activities (NACE)

65122Non-life insurance· main 65122Non-life insurance 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (2)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	619,8 k €	-22.1%	795,2 k €	+12.5%	706,9 k €	+7.5%	657,5 k €	+3.9%	632,5 k €
EBITDA	250,4 k €	+33.2%	188,1 k €	+11.0%	169,4 k €	+8.8%	155,7 k €	+9.8%	141,8 k €
Operating result	214,1 k €	+75.5%	122 k €	+165%	46 k €	+45.4%	31,6 k €	+67.8%	18,9 k €
Net result	157,4 k €	+81.9%	86,5 k €	+313%	20,9 k €	-3.3%	21,6 k €	+573%	-4,6 k €
Balance sheet
Equity	586,6 k €	-10.3%	654,2 k €	+9.5%	597,7 k €	-1.5%	606,7 k €	-1.4%	615,1 k €
Total assets	901,3 k €	+15.0%	783,8 k €	-3.9%	815,8 k €	-9.7%	903,6 k €	-0.2%	905,5 k €
Cash	403,7 k €	+9.5%	368,7 k €	-16.4%	441 k €	+40.3%	314,4 k €	-1.5%	319,1 k €
Debts	314,7 k €	+143%	129,3 k €	-40.7%	218,1 k €	-26.5%	296,8 k €	+2.2%	290,4 k €
Other
Workforce	7,9 ETP	-24.0%	10,4 ETP	-6.3%	11,1 ETP	-2.6%	11,4 ETP	+2.7%	11,1 ETP

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 31/12/2025

2 active · 11 ended

Active mandates

Carole MARECHAL

Director · since 27 juin 2025 · until 27 juin 2031

Active

MARE INVEST

Managing director · since 06 juin 2007 · 0890.005.979

Represented by Raymond MARECHAL

Active

Ended mandates

Carole MARECHAL

Manager · since 01 janvier 2014

Ended

Gilles MARCEHAL

Manager · since 01 janvier 2014

Ended

Carole MARECHAL

Director · since 01 juillet 2007

Ended

Carole MARECHAL

Manager · since 01 juillet 2007

Ended

Other companies at this address

Avenue des Alliés 82a 4960 Malmedy

Company	CBE no.
PROMISIA FINANCES● Active	0449.442.768

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	04/08/2026	25/07/2025	30/07/2024	31/07/2023	19/08/2022	28/08/2021
General meeting	24/07/2026	27/06/2025	28/06/2024	30/06/2023	30/06/2022	25/06/2021
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, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	24/07/2026	04/08/2026	French	PDF
Abridged model	31/12/2024	27/06/2025	25/07/2025	French	PDF
Abridged model	31/12/2023	28/06/2024	30/07/2024	French	PDF
Abridged model	31/12/2022	30/06/2023	31/07/2023	French	PDF
Abridged model	31/12/2021	30/06/2022	19/08/2022	French	PDF
Abridged model	31/12/2020	25/06/2021	28/08/2021	French	PDF
Abridged model	31/12/2019	26/06/2020	30/06/2020	French	PDF
Abridged model	31/12/2018	28/06/2019	01/08/2019	French	PDF
Abridged model	31/12/2017	29/06/2018	11/07/2018	French	PDF
Abridged model	31/12/2016	28/06/2017	11/07/2017	French	PDF
Abridged model	31/12/2015	30/08/2016	31/08/2016	French	PDF
Abridged modelCorrection	31/12/2014	27/07/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	29/10/2015	30/10/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	20/08/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	30/08/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	10/08/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	29/08/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	30/08/2010	French	PDF
Abridged model	31/12/2008	30/06/2009	31/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	20/08/2008	French	PDF
Abridged model	31/12/2006	12/06/2007	27/08/2007	French	PDF

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 31/12/2025

2 active · 11 ended

Active mandates

Carole MARECHAL

Director · since 27 juin 2025 · until 27 juin 2031

Active

MARE INVEST

Managing director · since 06 juin 2007 · 0890.005.979

Represented by Raymond MARECHAL

Active

Ended mandates

Carole MARECHAL

Manager · since 01 janvier 2014

Ended

Gilles MARCEHAL

Manager · since 01 janvier 2014

Ended

Carole MARECHAL

Director · since 01 juillet 2007

Ended

Carole MARECHAL

Manager · since 01 juillet 2007

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates31/01/2022
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Capital / shares13/01/2015
CAPITAL, ACTIONS
PDF
Restructuring13/01/2015
CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring13/01/2015
DENOMINATION - OBJET - CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring12/11/2014
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring12/11/2014
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Registered office18/04/2014
SIEGE SOCIAL
PDF
Mandates21/01/2008
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 2025157,4 k €↑
2024
Annual accounts 202486,5 k €↑
2023
Annual accounts 202320,9 k €↓
2022
Annual accounts 202221,6 k €↑
2021
Annual accounts 2021-4,6 k €↓
2020
Annual accounts 2020102,2 k €↑
2019
Annual accounts 201973,1 k €↑
2018
Annual accounts 201869,4 k €↓
2017
Annual accounts 201780,7 k €↑
2016
Annual accounts 201677,6 k €↑
2015
Annual accounts 20153,4 k €↓
2014
Annual accounts 201467,8 k €↑
2013
Annual accounts 20139,3 k €↓
2012
Annual accounts 201217,4 k €↓
2011
Annual accounts 201117,4 k €↑
2010
Annual accounts 201015,4 k €↑
2009
Annual accounts 20095,2 k €↓
2008
Annual accounts 200840,2 k €↑
2007
Annual accounts 200720 k €↑
2006
Annual accounts 20062,2 k €
28/12/1979
IncorporationPrivate limited company

PROMISIA ASSURANCES

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

Other companies at this address

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