ACTIVE

FINANCES ET COURTAGE

Export PDF

Financial year 2024 · Closed on 31/12/2024

Net result326,7 k €+8,7 %over 1 year

Gross margin908,4 k €+9,2 %over 1 year

Equity455,4 k €+30,6 %over 1 year

Workforce5,6 ETP+14,3 %over 1 year

Identity

Source · BCE/KBO

FINANCES ET COURTAGE is a Private limited company incorporated in 1985. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Braine-le-Comte. It employs on average 5,6 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0427.693.190
Incorporation: 29/07/1985
Legal form: Private limited company
Registered office: Rue de la Station 9
7090 Braine-le-Comte · WallonieSee on map
Contributed capital: 7 050,59 €
Latest accounts: 31/12/2024
Average workforce: 5,6 ETP

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, 19 filings

Trend over 19 financial years

	2024		2023		2022		2021		2020
Income statement
Gross margin	908,4 k €	+9.2%	832,1 k €	+9.3%	761,6 k €	+13.6%	670,6 k €	+20.0%	559 k €
EBITDA	655,5 k €	+6.5%	615,3 k €	+12.0%	549,4 k €	+29.8%	423,4 k €	+16.4%	363,6 k €
Operating result	464,3 k €	+8.6%	427,6 k €	+16.1%	368,4 k €	+44.6%	254,8 k €	+1.5%	251,1 k €
Net result	326,7 k €	+8.7%	300,5 k €	+16.2%	258,6 k €	+42.4%	181,6 k €	-8.8%	199,1 k €
Balance sheet
Equity	455,4 k €	+30.6%	348,6 k €	+52.8%	228,2 k €	+52.5%	149,6 k €	+1.1%	148 k €
Total assets	1,5 M €	-1.3%	1,5 M €	+8.4%	1,4 M €	+24.5%	1,1 M €	-2.8%	1,1 M €
Cash	846,1 k €	+13.7%	744 k €	+80.0%	413,3 k €	+249%	118,5 k €	-77.2%	518,9 k €
Debts	1 M €	-10.8%	1,2 M €	-0.3%	1,2 M €	+20.3%	966,6 k €	-3.2%	999,1 k €
Other
Workforce	5,6 ETP	+14.3%	4,9 ETP	-15.5%	5,8 ETP	-7.9%	6,3 ETP	+18.9%	5,3 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 31/12/2024

2 active · 6 ended

Active mandates

Jean MAROT

Director · since 01 janvier 2022

Active

FINANCES et COURTAGE P.M.

Director · 0821.654.831

Represented by Marie-Eve Marot

Active

Ended mandates

FINANCES et COURTAGE P.M.

Administrator - manager · since 17 avril 2020 · 0821.654.831

Represented by MARIE-EVE MAROT

Ended

OLIVIER VANDERBECQ

Director · since 17 avril 2020

Ended

PIERRE MAROT

Manager · since 01 janvier 2006 · until 31 décembre 2007

Ended

FINANCES et COURTAGE P.M.

Director · 0821.654.831

Represented by Marie-Eve Marot

Ended

Other companies at this address

Rue de la Station 9 7090 Braine-le-Comte

Company	CBE no.
COURFINA● Active	0755.415.808
FINANCES et COURTAGE P.M.● Active	0821.654.831

Full financial information

Source · NBB

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	29/07/2025	16/07/2024	30/08/2023	23/08/2022	01/07/2021	24/07/2020
General meeting	30/06/2025	13/05/2024	08/05/2023	09/05/2022	10/05/2021	11/05/2020
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

Looking for more information about this company?

Try for free

Annual accounts filings

Source · NBB, 19 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	30/06/2025	29/07/2025	French	PDF
Abridged model	31/12/2023	13/05/2024	16/07/2024	French	PDF
Abridged model	31/12/2022	08/05/2023	30/08/2023	French	PDF
Abridged model	31/12/2021	09/05/2022	23/08/2022	French	PDF
Abridged model	31/12/2020	10/05/2021	01/07/2021	French	PDF
Abridged model	31/12/2019	11/05/2020	24/07/2020	French	PDF
Abridged model	31/12/2018	13/05/2019	16/07/2019	French	PDF
Abridged model	31/12/2017	26/05/2018	24/07/2018	French	PDF
Abridged model	31/12/2016	27/05/2017	30/08/2017	French	PDF
Abridged model	31/12/2015	28/05/2016	12/08/2016	French	PDF
Abridged model	31/12/2014	29/05/2015	27/08/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	21/08/2014	French	PDF
Abridged model	31/12/2012	31/05/2013	22/08/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	14/08/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	26/08/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	31/08/2010	French	PDF
Abridged model	31/12/2008	15/09/2009	16/10/2009	French	PDF
Abridged model	31/12/2007	08/12/2008	18/12/2008	French	PDF
Abridged model	31/12/2006	14/05/2007	19/10/2007	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 31/12/2024

2 active · 6 ended

Active mandates

Jean MAROT

Director · since 01 janvier 2022

Active

FINANCES et COURTAGE P.M.

Director · 0821.654.831

Represented by Marie-Eve Marot

Active

Ended mandates

FINANCES et COURTAGE P.M.

Administrator - manager · since 17 avril 2020 · 0821.654.831

Represented by MARIE-EVE MAROT

Ended

OLIVIER VANDERBECQ

Director · since 17 avril 2020

Ended

PIERRE MAROT

Manager · since 01 janvier 2006 · until 31 décembre 2007

Ended

FINANCES et COURTAGE P.M.

Director · 0821.654.831

Represented by Marie-Eve Marot

Ended

Ownership and network

Looking for more information about this company?

Try for free

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates24/04/2020
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DIVERS - DEMISSIONS, NOMINATIONS
PDF
Restructuring09/08/2019
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring19/06/2019
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates28/12/2011
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2024
Annual accounts 2024326,7 k €↑
2023
Annual accounts 2023300,5 k €↑
2022
Annual accounts 2022258,6 k €↑
2021
Annual accounts 2021181,6 k €↓
2020
Annual accounts 2020199,1 k €↑
2019
Annual accounts 201917 k €↑
2018
Annual accounts 20183,9 k €↑
2017
Annual accounts 20171,3 k €↓
2016
Annual accounts 201629 k €↑
2015
Annual accounts 201524,2 k €↓
2014
Annual accounts 201451,2 k €↑
2013
Annual accounts 201320,2 k €↓
2012
Annual accounts 201272,5 k €↑
2011
Annual accounts 2011791,3 €↓
2010
Annual accounts 201023 k €↓
2009
Annual accounts 2009246,6 k €↑
2008
Annual accounts 20082,4 k €↑
2007
Annual accounts 2007-20,4 k €↓
2006
Annual accounts 2006-6,1 k €
29/07/1985
IncorporationPrivate limited company

FINANCES ET COURTAGE

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