ACTIVE

Cabay & fils

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Financial year 2025 · Closed on 31/12/2025

Net result

304,5 k €

-17,4 %over 1 year

Gross margin

878,2 k €

-4,1 %over 1 year

Equity

771,6 k €

-2,6 %over 1 year

Workforce

6,1 ETP

+29,8 %over 1 year

Identity

Source · BCE/KBO

Cabay & fils is a Private limited company incorporated in 1982. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Aubel. It employs on average 6,1 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0423.878.221
Incorporation: 30/12/1982
Legal form: Private limited company
Registered office: Place Antoine Ernst 14
4880 Aubel · WallonieSee on map
Contributed capital: 62 000,00 €
Latest accounts: 31/12/2025
Average workforce: 6,1 ETP

Activities (NACE)

66199Other activities auxiliary to financial services, except insurance and pension funding· main 66199Other activities auxiliary to financial services, except insurance and pension funding 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers 66191Other activities auxiliary to financial services, except insurance and pension funding 66191Other activities auxiliary to financial services, except insurance and pension funding

Joint committees (5)

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 19 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	878,2 k €	-4.1%	915,3 k €	+17.3%	780,5 k €	+13.1%	690,2 k €	+12.5%	613,5 k €
EBITDA	531,6 k €	-14.6%	622,6 k €	+21.8%	511 k €	+29.3%	395,1 k €	+36.5%	289,6 k €
Operating result	402,6 k €	-19.2%	498,6 k €	+27.9%	389,9 k €	+34.5%	289,9 k €	+82.2%	159,2 k €
Net result	304,5 k €	-17.4%	368,8 k €	+23.5%	298,7 k €	+37.4%	217,4 k €	+77.5%	122,5 k €
Balance sheet
Equity	771,6 k €	-2.6%	792,1 k €	+13.4%	698,2 k €	+11.8%	624,5 k €	-2.7%	642,1 k €
Total assets	1,2 M €	-3.0%	1,3 M €	-0.1%	1,3 M €	+2.0%	1,3 M €	-4.2%	1,3 M €
Cash	326,1 k €	+128%	143,1 k €	+107%	69 k €	-69.7%	227,9 k €	-7.8%	247,3 k €
Debts	464,6 k €	-3.6%	481,9 k €	-16.4%	576,3 k €	-8.0%	626,3 k €	-5.3%	661,1 k €
Other
Workforce	6,1 ETP	+29.8%	4,7 ETP	+6.8%	4,4 ETP	-25.4%	5,9 ETP	-6.3%	6,3 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

2 active · 16 ended

Active mandates

FXCM

Director · since 08 février 2021 · 0761.960.140

Represented by François-Xavier Cabay

Active

Olivier DANDOIS

Director

Active

Ended mandates

GROUPALIA FINANCES

Director · since 10 février 2022 · 0885.852.993

Represented by Benoît CABAY

Ended

BeNice

Director · since 08 février 2021 · 0822.263.159

Represented by Benoît CABAY

Ended

BeNice

Director · since 08 février 2021 · until 10 février 2022 · 0822.263.159

Represented by Benoît Cabay

Ended

Evrard CABAY

Managing director · since 09 avril 2018 · until 08 février 2021

Ended

Other companies at this address

Place Antoine Ernst 14 4880 Aubel

Company	CBE no.
GROUPALIA FINANCES● Active	0885.852.993
UNITE TVA CABAY● Active	0765.561.414

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Micro 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	10/06/2026	02/07/2025	25/06/2024	21/06/2023	22/06/2022	30/08/2021
General meeting	25/05/2026	26/05/2025	27/05/2024	29/05/2023	30/05/2022	31/05/2021
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	25/05/2026	10/06/2026	French	PDF
Abridged model	31/12/2024	26/05/2025	02/07/2025	French	PDF
Abridged model	31/12/2023	27/05/2024	25/06/2024	French	PDF
Abridged model	31/12/2022	29/05/2023	21/06/2023	French	PDF
Abridged model	31/12/2021	30/05/2022	22/06/2022	French	PDF
Micro model	31/12/2020	31/05/2021	30/08/2021	French	PDF
Micro model	31/12/2019	25/05/2020	25/06/2020	French	PDF
Abridged model	31/12/2018	27/05/2019	03/07/2019	French	PDF
Micro model	31/12/2017	22/03/2018	11/06/2018	French	PDF
Micro model	31/12/2016	29/05/2017	09/06/2017	French	PDF
Abridged modelCorrection	31/12/2015	30/05/2016	05/08/2016	French	PDF
Abridged model	31/12/2015	30/05/2016	07/07/2016	French	PDF
Abridged model	31/12/2014	25/05/2015	01/07/2015	French	PDF
Abridged model	31/12/2013	03/07/2014	07/08/2014	French	PDF
Abridged model	31/12/2012	27/05/2013	30/08/2013	French	PDF
Abridged model	31/12/2011	28/05/2012	31/08/2012	French	PDF
Abridged model	31/12/2010	23/08/2011	24/08/2011	French	PDF
Abridged model	31/12/2009	13/08/2010	23/08/2010	French	PDF
Abridged model	31/12/2008	14/08/2009	27/08/2009	French	PDF
Abridged model	31/12/2007	26/05/2008	29/08/2008	French	PDF
Abridged model	31/12/2006	28/05/2007	27/08/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 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 · 16 ended

Active mandates

FXCM

Director · since 08 février 2021 · 0761.960.140

Represented by François-Xavier Cabay

Active

Olivier DANDOIS

Director

Active

Ended mandates

GROUPALIA FINANCES

Director · since 10 février 2022 · 0885.852.993

Represented by Benoît CABAY

Ended

BeNice

Director · since 08 février 2021 · 0822.263.159

Represented by Benoît CABAY

Ended

BeNice

Director · since 08 février 2021 · until 10 février 2022 · 0822.263.159

Represented by Benoît Cabay

Ended

Evrard CABAY

Managing director · since 09 avril 2018 · until 08 février 2021

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates21/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates04/03/2021
DEMISSIONS, NOMINATIONS
PDF
Capital / shares19/04/2018
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE
PDF
Mandates27/09/2016
DEMISSIONS, NOMINATIONS
PDF
Mandates11/02/2016
DEMISSIONS, NOMINATIONS
PDF
Capital / shares03/02/2014
CAPITAL, ACTIONS
PDF
Capital / shares08/06/2012
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DIVERS
PDF
Mandates22/10/2010
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 2025304,5 k €↓
2024
Annual accounts 2024368,8 k €↑
2023
Annual accounts 2023298,7 k €↑
2023
Name changeCABAY & FILS
2022
Annual accounts 2022217,4 k €↑
2021
Annual accounts 2021122,5 k €↓
2021
Name changeEVRARD CABAY
2019
Annual accounts 2019159,9 k €↑
2018
Annual accounts 2018142,2 k €↓
2017
Annual accounts 2017168,1 k €↑
2016
Annual accounts 2016161,6 k €↓
2015
Annual accounts 2015208,8 k €↑
2014
Annual accounts 2014183,9 k €↓
2013
Annual accounts 2013243,2 k €↑
2012
Annual accounts 2012184,2 k €↑
2011
Annual accounts 2011135,2 k €↑
2010
Annual accounts 2010130,3 k €↓
2009
Annual accounts 2009149,8 k €↑
2008
Annual accounts 2008115,1 k €↑
2007
Annual accounts 200724 k €↓
2006
Annual accounts 200685,2 k €
30/12/1982
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Cabay & fils

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