ACTIVE

ASSURTEAM

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Financial year 2025 · closed on 31/12/2025

Net result

391,3 k €

+280.1% YoY

Gross margin

2,2 M €

+34.1% YoY

Equity

2,6 M €

+18.1% YoY

Workforce

13,1 ETP

What does ASSURTEAM do?

ASSURTEAM is a Public limited company incorporated in 1983. Its main activity is: Life insurance. Its registered office is in Woluwe-Saint-Pierre. It employs on average 13,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0426.066.956

Incorporation

23/12/1983

Legal form

Public limited company

Registered office

Rue Paul Wemaere 4
1150 Woluwe-Saint-Pierre · BruxellesSee on map

Contributed capital

69 410,25 €

Latest accounts

31/12/2025

Average workforce

13,1 ETP

Activities (NACE)

65112Life insurance· main 65112Life insurance 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances 64999Other financial service activities, except insurance and pension funding n.e.c.+9

Joint committees (1)

Contacts

1 public detail availableLog in to view

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	2,2 M €	+34.1%	1,7 M €	+4.1%	1,6 M €	+15.8%	1,4 M €	-21.4%	1,8 M €	+2.1%	1,7 M €	+23.0%	1,4 M €	+151%	558,2 k €	+3.3%	540,5 k €	+22.0%	443,1 k €	-64.9%	1,3 M €	-1.1%	1,3 M €	+243%	372,7 k €	-18.5%	457,4 k €	-52.3%	959 k €	+94.4%	493,4 k €	-38.3%	799,5 k €	+5.0%	761,3 k €	-9.6%	842,5 k €	+105%	411,5 k €
EBITDA	957,9 k €	+73.2%	553 k €	-0.8%	557,5 k €	+1.7%	548,2 k €	-41.7%	940,8 k €	+16.1%	810,2 k €	+23.5%	656,2 k €	+285%	170,6 k €	-41.2%	290,4 k €	+49.3%	194,6 k €	+48.9%	130,7 k €	+19.2%	109,6 k €	-24.1%	144,4 k €	-52.5%	304 k €	+239%	89,6 k €	-54.9%	198,8 k €	+54.4%	128,8 k €	-41.0%	218,2 k €	+21.3%	179,9 k €	+6.0%	169,7 k €
Operating result	638 k €	+176%	231,2 k €	+10.7%	208,8 k €	+24.8%	167,3 k €	-70.2%	562 k €	+14.1%	492,6 k €	+122%	222,1 k €	+56.9%	141,6 k €	-47.0%	267,2 k €	+50.3%	177,8 k €	+38.6%	128,3 k €	+28.2%	100,1 k €	+27.1%	78,7 k €	-49.7%	156,5 k €	+212%	50,2 k €	-68.7%	160,3 k €	+74.7%	91,7 k €	-50.4%	184,8 k €	+23.3%	149,9 k €	+7.8%	139,1 k €
Net result	391,3 k €	+280%	103 k €	+74.7%	58,9 k €	+2012%	2,8 k €	-98.0%	137,3 k €	-51.0%	280,1 k €	+235%	83,7 k €	+154%	32,9 k €	-87.5%	263,7 k €	+152%	104,6 k €	+23.0%	85 k €	+46.3%	58,1 k €	+225%	17,9 k €	-88.0%	149 k €	+599%	-29,9 k €	-118%	161,6 k €	+475%	28,1 k €	-78.7%	131,9 k €	-10.9%	148 k €	+61.0%	91,9 k €
Balance sheet
Equity	2,6 M €	+18.1%	2,2 M €	+5.0%	2,1 M €	+2.9%	2 M €	+0.1%	2 M €	+7.4%	1,9 M €	+17.8%	1,6 M €	+10.5%	1,4 M €	+2.4%	1,4 M €	+23.3%	1,1 M €	+10.2%	1 M €	+9.0%	941,7 k €	+6.6%	883,6 k €	+2.1%	865,7 k €	+20.8%	716,7 k €	-18.0%	873,7 k €	+22.7%	712,1 k €	+4.1%	684 k €	+23.9%	552,1 k €	+36.6%	404,1 k €
Total assets	5,3 M €	+23.7%	4,2 M €	-12.2%	4,8 M €	+0.5%	4,8 M €	-2.1%	4,9 M €	+2.0%	4,8 M €	+1.0%	4,8 M €	+14.8%	4,2 M €	+73.1%	2,4 M €	+29.2%	1,9 M €	+3.9%	1,8 M €	-6.8%	1,9 M €	-32.6%	2,9 M €	+7.7%	2,6 M €	+84.8%	1,4 M €	+0.0%	1,4 M €	+7.7%	1,3 M €	+12.7%	1,2 M €	+2.2%	1,2 M €	-17.8%	1,4 M €
Cash	2,4 M €	+321%	561 k €	-34.1%	851,4 k €	-21.2%	1,1 M €	+1.7%	1,1 M €	+21.9%	871,6 k €	+59.8%	545,5 k €	+338%	124,5 k €	-81.5%	671,3 k €	+38.4%	485,2 k €	+9.8%	441,9 k €	-16.8%	531 k €	-67.6%	1,6 M €	+17.8%	1,4 M €	+1074%	118,4 k €	-47.2%	224,4 k €	+32.6%	169,2 k €	+58.3%	106,9 k €	+8.4%	98,6 k €	-51.7%	204,2 k €
Debts	2,7 M €	+31.6%	2 M €	-25.8%	2,7 M €	+6.2%	2,6 M €	-9.5%	2,8 M €	-3.6%	2,9 M €	-8.0%	3,2 M €	+16.9%	2,7 M €	+171%	1 M €	+38.6%	728,4 k €	-4.8%	765,2 k €	-21.4%	974,1 k €	-48.5%	1,9 M €	+11.1%	1,7 M €	+150%	680,4 k €	+51.0%	450,6 k €	-21.5%	574,1 k €	+25.4%	457,9 k €	-20.1%	573,1 k €	-40.5%	962,5 k €
Other
Workforce	13,1 ETP		0,0 ETP	-100%	14,2 ETP	+7.6%	13,2 ETP	+37.5%	9,6 ETP		–		14,5 ETP	+59.3%	9,1 ETP		–		–		5,0 ETP	-9.1%	5,5 ETP	-91.0%	61,1 ETP	+1075%	5,2 ETP	+2.0%	5,1 ETP	-15.0%	6,0 ETP	-10.4%	6,7 ETP	-5.6%	7,1 ETP	0.0%	7,1 ETP	+22.4%	5,8 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 15 ended

Active mandates

FINAREVA

Director · since 01 août 2011 · 0830.181.725

Represented by Luycks Valerie

Active

OVAD Management

Director · since 01 août 2011 · 0838.306.167

Represented by van ZEEBROECK OLIVIER

Active

LLX Finance

Managing director · since 30 décembre 2005 · 0878.296.891

Represented by Lacroix LAURENT

Active

PEJATEN

Director · since 30 décembre 2005 · 0878.382.213

Represented by Massar PIERRE

Active

Laurent LACROIX

Director · since 03 juin 2005

Active

Ended mandates

LLX Finance

Director · since 30 décembre 2005 · 0878.296.891

Represented by Lacroix LAURENT

Ended

LLX Finance

Managing director · since 30 décembre 2005 · until 30 décembre 2011 · 0878.296.891

Represented by Laurent Lacroix

Ended

PEJATEN

Managing director · since 30 décembre 2005 · until 30 décembre 2011 · 0878.382.213

Represented by Pierre Massar

Ended

T'SAS I.

Director · since 30 décembre 2005 · until 30 décembre 2011 · 0428.364.569

Ended

At this address

Other companies at this address

Company	CBE no.
PEJATEN● Active	0878.382.213
PHARMACITY● Active	0472.480.862
Realteam● Active	0578.967.759
UTVA TEAM ASSURFINANCE II● Active	0734.519.236

Annual accounts

Full financial information

	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	27/08/2026	08/08/2025	30/09/2024	30/08/2023	19/08/2022	31/08/2021
General meeting	29/05/2026	30/05/2025	31/05/2024	26/05/2023	27/05/2022	28/05/2021
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

Ratios

Financial ratios

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Filings

Annual accounts filings

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	29/05/2026	27/08/2026	French	PDF
Abridged model	31/12/2024	30/05/2025	08/08/2025	French	PDF
Abridged model	31/12/2023	31/05/2024	30/09/2024	French	PDF
Abridged model	31/12/2022	26/05/2023	30/08/2023	French	PDF
Abridged model	31/12/2021	27/05/2022	19/08/2022	French	PDF
Abridged model	31/12/2020	28/05/2021	31/08/2021	French	PDF
Abridged model	31/12/2019	29/05/2020	30/09/2020	French	PDF
Abridged model	31/12/2018	07/06/2019	12/06/2019	French	PDF
Abridged model	31/12/2017	01/06/2018	06/08/2018	French	PDF
Abridged model	31/12/2016	02/06/2017	30/08/2017	French	PDF
Abridged modelCorrection	31/12/2015	03/06/2016	14/11/2016	French	PDF
Abridged model	31/12/2015	03/06/2016	25/08/2016	French	PDF
Abridged model	31/12/2014	05/06/2015	22/07/2015	French	PDF
Abridged model	31/12/2013	06/06/2014	14/06/2014	French	PDF
Abridged model	31/12/2012	07/06/2013	28/07/2013	French	PDF
Abridged model	31/12/2011	01/06/2012	22/08/2012	French	PDF
Abridged model	31/12/2010	03/06/2011	01/07/2011	French	PDF
Abridged model	31/12/2009	04/06/2010	29/07/2010	French	PDF
Abridged model	31/12/2008	05/06/2009	17/07/2009	French	PDF
Abridged model	31/12/2007	06/06/2008	23/06/2008	French	PDF
Abridged model	31/12/2006	01/06/2007	18/07/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 15 ended

Active mandates

FINAREVA

Director · since 01 août 2011 · 0830.181.725

Represented by Luycks Valerie

Active

OVAD Management

Director · since 01 août 2011 · 0838.306.167

Represented by van ZEEBROECK OLIVIER

Active

LLX Finance

Managing director · since 30 décembre 2005 · 0878.296.891

Represented by Lacroix LAURENT

Active

PEJATEN

Director · since 30 décembre 2005 · 0878.382.213

Represented by Massar PIERRE

Active

Laurent LACROIX

Director · since 03 juin 2005

Active

Ended mandates

LLX Finance

Director · since 30 décembre 2005 · 0878.296.891

Represented by Lacroix LAURENT

Ended

LLX Finance

Managing director · since 30 décembre 2005 · until 30 décembre 2011 · 0878.296.891

Represented by Laurent Lacroix

Ended

PEJATEN

Managing director · since 30 décembre 2005 · until 30 décembre 2011 · 0878.382.213

Represented by Pierre Massar

Ended

T'SAS I.

Director · since 30 décembre 2005 · until 30 décembre 2011 · 0428.364.569

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates23/10/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates20/10/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates28/05/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates31/01/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates09/01/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates06/01/2020
DEMISSIONS, NOMINATIONS
PDF
Other25/10/2019
DIVERS
PDF
Restructuring17/05/2019
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF

Source: Belgian Official Gazette

Competition

Similar companies

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

See the Business plan

2025
Annual accounts 2025391,3 k €↑
2024
Annual accounts 2024103 k €↑
2023
Annual accounts 202358,9 k €↑
2022
Annual accounts 20222,8 k €↓
2021
Annual accounts 2021137,3 k €↓
2020
Annual accounts 2020280,1 k €↑
2019
Annual accounts 201983,7 k €↑
2018
Annual accounts 201832,9 k €↓
2017
Annual accounts 2017263,7 k €↑
2016
Annual accounts 2016104,6 k €↑
2015
Annual accounts 201585 k €↑
2014
Annual accounts 201458,1 k €↑
2013
Annual accounts 201317,9 k €↓
2012
Annual accounts 2012149 k €↑
2011
Annual accounts 2011-29,9 k €↓
2010
Annual accounts 2010161,6 k €↑
2009
Annual accounts 200928,1 k €↓
2008
Annual accounts 2008131,9 k €↓
2007
Annual accounts 2007148 k €↑
2006
Annual accounts 200691,9 k €
23/12/1983
IncorporationPublic 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

ASSURTEAM

Overview

What does ASSURTEAM do?

Trend over 20 financial years

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