ACTIVE

A.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS)

Financial year 2025 · Closed on 31/12/2025

Net result76 k €-41,1 %over 1 year

Gross margin163,4 k €-24,1 %over 1 year

Equity112,9 k €-17,5 %over 1 year

Identity

Source · BCE/KBO

A.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS) is a Public limited company incorporated in 1980. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Wavre.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0420.894.876
Incorporation: 21/08/1980
Legal form: Public limited company
Registered office: Rue du Chemin de Fer 19
1300 Wavre · WallonieSee on map
Contributed capital: 62 000,00 €
Latest accounts: 31/12/2025

Activities (NACE)

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

Joint committees (2)

Contacts

4 public details availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	163,4 k €	-24.1%	215,4 k €	+80.3%	119,4 k €	+20.1%	99,5 k €	+3.2%	96,3 k €
EBITDA	101 k €	-37.4%	161,4 k €	+216%	51,2 k €	+17.8%	43,4 k €	+234%	-32,3 k €
Operating result	100,6 k €	-37.5%	161 k €	+244%	46,8 k €	+19.3%	39,2 k €	+207%	-36,5 k €
Net result	76 k €	-41.1%	129 k €	+248%	37,1 k €	-2.0%	37,8 k €	+1.6%	37,2 k €
Balance sheet
Equity	112,9 k €	-17.5%	136,8 k €	+87.9%	72,8 k €	+2.9%	70,8 k €	+4.1%	68 k €
Total assets	134,7 k €	-60.2%	338,3 k €	+44.2%	234,6 k €	+4.7%	224,1 k €	-2.2%	229,1 k €
Cash	48,4 k €	+2826%	1,7 k €	-47.6%	3,2 k €	+221%	984,7 €	-36.0%	1,5 k €
Debts	21,8 k €	-89.1%	199,5 k €	+24.9%	159,8 k €	+5.5%	151,4 k €	-5.5%	160,1 k €
Other
Workforce	–		–		–		1,2 ETP		–

Valuation

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

0 active · 12 ended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
JBF INVEST1017.516.835Represented by Julien François	Director01/01/2025 → 31/12/2025
PHF INVEST0843.305.726	Managing director01/01/2024 → 31/12/2024
PHILIPPE FRANCOIS	Director05/06/2023 → 04/06/2029

Other companies at this address

Rue du Chemin de Fer 19 1300 Wavre

Company	CBE no.
GROUPE JBF INVEST● Active	1024.597.538
JBF INVEST● Active	1017.516.835

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro 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	30/06/2026	30/06/2025	27/09/2024	01/09/2023	29/08/2022	24/08/2021
General meeting	20/05/2026	05/06/2025	05/06/2024	05/06/2023	08/06/2022	07/06/2021
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

Looking for more information about this company?

Try for free

Annual accounts filings

Source · NBB, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	20/05/2026	30/06/2026	French	PDF
Micro model	31/12/2024	05/06/2025	30/06/2025	French	PDF
Micro model	31/12/2023	05/06/2024	27/09/2024	French	PDF
Abridged model	31/12/2022	05/06/2023	01/09/2023	French	PDF
Abridged model	31/12/2021	08/06/2022	29/08/2022	French	PDF
Abridged model	31/12/2020	07/06/2021	24/08/2021	French	PDF
Abridged model	31/12/2019	02/12/2020	16/12/2020	French	PDF
Abridged model	31/12/2018	27/11/2019	29/11/2019	French	PDF
Abridged model	31/12/2017	19/11/2018	29/11/2018	French	PDF
Abridged model	31/12/2016	25/10/2017	31/10/2017	French	PDF
Abridged model	31/12/2015	30/09/2016	26/10/2016	French	PDF
Abridged model	31/12/2014	28/09/2015	28/09/2015	French	PDF
Abridged modelCorrection	31/12/2013	19/09/2014	14/10/2014	French	PDF
Abridged model	31/12/2013	02/06/2014	09/10/2014	French	PDF
Abridged model	31/12/2012	03/06/2013	10/07/2013	French	PDF
Abridged model	31/12/2011	04/06/2012	12/06/2012	French	PDF
Abridged model	31/12/2010	06/06/2011	14/06/2011	French	PDF
Abridged model	31/12/2009	01/06/2010	15/07/2010	French	PDF
Abridged model	31/12/2008	02/06/2009	23/07/2009	French	PDF
Abridged model	31/12/2007	02/06/2008	27/06/2008	French	PDF
Abridged model	31/12/2006	04/06/2007	22/06/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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

0 active · 12 ended

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
JBF INVEST1017.516.835Represented by Julien François	Director01/01/2025 → 31/12/2025
PHF INVEST0843.305.726	Managing director01/01/2024 → 31/12/2024
PHILIPPE FRANCOIS	Director05/06/2023 → 04/06/2029

Ownership and network

Looking for more information about this company?

Try for free

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates27/06/2025
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates12/03/2024
DEMISSIONS, NOMINATIONS
PDF
Registered office11/06/2020
SIEGE SOCIAL
PDF
Mandates13/07/2018
DEMISSIONS, NOMINATIONS
PDF
Mandates09/07/2014
DEMISSIONS, NOMINATIONS
PDF
Mandates01/07/2014
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates16/01/2013
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates18/08/2011
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

Incorporation

Name

Registered office

Annual accounts

Filings19 filings

Mandates

JBF INVEST

PHF INVEST

PHILIPPE FRANCOIS

Julien François

Etienne Poelman

Sophie VANWETSWINKEL

Henri VANWETSWINKEL

19801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026202720282029

A.I.C. (ALTERNATIVE INSURANCE CONSULTANTA.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS)

Rue du Chemin de Fer 19, 1300 Wavre

Managing director

Director

Managing director

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue du Chemin de Fer 19, 1300 WavreCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00231814

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
A.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS)Current		CBE
A.I.C. (ALTERNATIVE INSURANCE CONSULTANT	accounts 2023 → 2025	Accounts 2025 · 2026-00231814
A.I.C - Alternative Insurance Consultants	accounts 2022	Accounts 2022 · 2023-00445392
A.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS)	accounts 2006 → 2021	Accounts 2021 · 2022-20354876

Events

2025
Annual accounts 202576 k €↓
2024
Annual accounts 2024129 k €↑
2023
Annual accounts 202337,1 k €↓
2023
Name changeA.I.C. (ALTERNATIVE INSURANCE CONSULTANT
2022
Annual accounts 202237,8 k €↑
2022
Name changeA.I.C - Alternative Insurance Consultants
2021
Annual accounts 202137,2 k €↓
2020
Annual accounts 202039,4 k €↓
2019
Annual accounts 201949,3 k €↑
2017
Annual accounts 201713,9 k €↑
2016
Annual accounts 2016-916,2 €↓
2015
Annual accounts 201510,9 k €↑
2014
Annual accounts 2014-2,5 k €↓
2013
Annual accounts 20134,2 k €↓
2012
Annual accounts 201214,7 k €↑
2011
Annual accounts 20118,9 k €↑
2010
Annual accounts 2010-10 k €↓
2009
Annual accounts 2009-808 €↓
2008
Annual accounts 20084,5 k €↑
2007
Annual accounts 2007-26,4 k €↓
2006
Annual accounts 2006-11,2 k €
21/08/1980
IncorporationPublic limited company

A.I.C. (ALTERNATIVE INSURANCE CONSULTANTS - ASSOCIATION D'INTERETS COLLECTIFS)

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

Registered offices

Company names

Events