ACTIVE

BCG

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Financial year 2025 · closed on 31/12/2025

Net result

-11,8 k €

-106.1% YoY

Gross margin

-9,7 k €

-103.6% YoY

Equity

233,1 k €

-4.8% YoY

What does BCG do?

BCG is a Private limited company incorporated in 1988. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Floreffe.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0433.976.119

Incorporation

13/04/1988

Legal form

Private limited company

Registered office

Chemin des Deux-Pays 32
5150 Floreffe · WallonieSee on map

Contributed capital

74 368,06 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Contacts

2 public details availableLog in to view

Signals

Solid equityLow riskGood liquidity

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	-9,7 k €	-104%	271 k €	+274%	72,5 k €	+87.4%	38,7 k €	+7.6%	36 k €	-35.2%	55,5 k €	+29.7%	42,8 k €	+2.4%	41,7 k €	-63.7%	115 k €	+129%	50,2 k €	-31.6%	73,3 k €	+6.8%	68,7 k €	+6.0%	64,8 k €	+12.9%	57,4 k €	-32.7%	85,3 k €	+12.4%	75,9 k €	-36.2%	119 k €	+4.3%	114,2 k €	+103%	56,2 k €	+102%	27,9 k €
EBITDA	-12,4 k €	-105%	270,6 k €	+844%	28,7 k €	+20.4%	23,8 k €	-5.5%	25,2 k €	-50.8%	51,2 k €	+13.1%	45,2 k €	+13.8%	39,8 k €	-65.3%	114,7 k €	+389%	23,5 k €	-42.3%	40,6 k €	+188%	14,1 k €	-49.4%	27,9 k €	-1.0%	28,2 k €	-47.3%	53,4 k €	+32.0%	40,5 k €	-36.8%	64 k €	+13.7%	56,3 k €	+126%	25 k €	+88.8%	13,2 k €
Operating result	-12,7 k €	-105%	270,4 k €	+847%	28,6 k €	+20.0%	23,8 k €	-5.5%	25,2 k €	-45.9%	46,5 k €	+15.5%	40,2 k €	+15.7%	34,8 k €	+247%	-23,6 k €	-2313%	-980 €	-106%	16 k €	+263%	-9,8 k €	-626%	-1,3 k €	+75.5%	-5,5 k €	-128%	19,3 k €	+22.6%	15,8 k €	-59.9%	39,3 k €	+25.0%	31,4 k €	+990%	-3,5 k €	-144%	8,1 k €
Net result	-11,8 k €	-106%	192,6 k €	+1025%	17,1 k €	+20.1%	14,3 k €	-21.5%	18,2 k €	-53.7%	39,3 k €	+22.4%	32,1 k €	+43.0%	22,4 k €	+162%	-36,2 k €	+2.1%	-37 k €	-798%	5,3 k €	+181%	-6,5 k €	+72.9%	-24,1 k €	-23.1%	-19,6 k €	+32.5%	-29 k €	-737%	-3,5 k €	-117%	20,3 k €	+47.7%	13,7 k €	+160%	-22,7 k €	-373%	8,3 k €
Balance sheet
Equity	233,1 k €	-4.8%	244,8 k €	+369%	52,2 k €	+48.8%	35,1 k €	+68.5%	20,8 k €	+691%	2,6 k €	+107%	-36,6 k €	+46.7%	-68,7 k €	+24.6%	-91,2 k €	-65.8%	-55 k €	-205%	-18 k €	+22.7%	-23,3 k €	-39.0%	-16,8 k €	-330%	7,3 k €	-72.8%	26,9 k €	-51.9%	55,9 k €	-5.8%	59,4 k €	+51.8%	39,1 k €	+54.0%	25,4 k €	-47.2%	48,1 k €
Total assets	314,1 k €	-15.9%	373,4 k €	+211%	120,1 k €	+20.7%	99,4 k €	-10.7%	111,4 k €	+4.4%	106,7 k €	+14.4%	93,2 k €	-7.3%	100,6 k €	-4.8%	105,7 k €	-53.6%	227,9 k €	-14.2%	265,6 k €	-19.6%	330,4 k €	+6.3%	310,7 k €	-3.9%	323,5 k €	-2.1%	330,3 k €	-7.4%	356,5 k €	-4.3%	372,6 k €	+4.5%	356,5 k €	+2.5%	347,7 k €	+175%	126,2 k €
Cash	189,4 k €	+48.0%	128 k €	+32785%	389,1 €		–		–		–		–		–		–		82 €		–		45 €		–		–		–		–		1,7 k €		–		7,5 k €	+148%	3 k €
Debts	5,8 k €	-87.2%	45,5 k €	-33.0%	67,9 k €	+5.4%	64,4 k €	-28.9%	90,6 k €	-5.3%	95,7 k €	-22.2%	122,9 k €	-25.3%	164,6 k €	-15.2%	194 k €	-31.1%	281,5 k €	+2.4%	274,9 k €	-20.4%	345,2 k €	+5.4%	327,5 k €	+4.3%	314,1 k €	+4.5%	300,5 k €	-0.0%	300,6 k €	-3.5%	311,5 k €	+2.4%	304,2 k €	-1.5%	308,9 k €	+488%	52,5 k €
Other
Workforce	–		–		–		–		–		0,0 ETP		0,0 ETP		0,0 ETP	-100%	0,8 ETP	-50.0%	1,6 ETP	+100%	0,8 ETP	-42.9%	1,4 ETP	0.0%	1,4 ETP	+100%	0,7 ETP	-22.2%	0,9 ETP	-40.0%	1,5 ETP	0.0%	1,5 ETP	-40.0%	2,5 ETP	0.0%	2,5 ETP	+127%	1,1 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 6 ended

Active mandates

BRUNO GERMIAT

Director · since 01 mars 2022

Active

Ended mandates

GG INVEST

Director · since 01 mars 2022 · 0870.718.619

Ended

Bruno Germiat

Manager · since 06 mai 1988

Ended

Bruno Germiat

Mandate

Ended

BRUNO GERMIAT

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
ANAM● Active	0880.258.370
GG INVEST● Active	0870.718.619
UNITE TVA BG GROUP● Active	0786.702.959

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro 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	25/07/2026	30/08/2025	28/07/2025	23/06/2023	26/08/2022	24/06/2021
General meeting	30/06/2026	30/08/2025	24/07/2025	21/06/2023	15/06/2022	11/06/2021
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

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	30/06/2026	25/07/2026	French	PDF
Micro model	31/12/2024	30/08/2025	30/08/2025	French	PDF
Micro model	31/12/2023	24/07/2025	28/07/2025	French	PDF
Micro model	31/12/2022	21/06/2023	23/06/2023	French	PDF
Micro model	31/12/2021	15/06/2022	26/08/2022	French	PDF
Abridged model	31/12/2020	11/06/2021	24/06/2021	French	PDF
Abridged model	31/12/2019	10/06/2020	12/06/2020	French	PDF
Abridged model	31/12/2018	02/05/2019	07/05/2019	French	PDF
Abridged model	31/12/2017	29/06/2018	13/08/2018	French	PDF
Abridged model	31/12/2016	08/12/2017	14/12/2017	French	PDF
Abridged model	31/12/2015	30/06/2016	31/07/2016	French	PDF
Abridged model	31/12/2014	30/10/2015	28/04/2016	French	PDF
Abridged model	31/12/2013	27/11/2014	28/11/2014	French	PDF
Abridged model	31/12/2012	31/10/2013	05/11/2013	French	PDF
Abridged model	31/12/2011	31/08/2012	27/09/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	30/12/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	25/08/2010	French	PDF
Abridged model	31/12/2008	11/05/2009	11/05/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	27/08/2008	French	PDF
Abridged model	31/12/2006	23/07/2007	01/08/2007	French	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 6 ended

Active mandates

BRUNO GERMIAT

Director · since 01 mars 2022

Active

Ended mandates

GG INVEST

Director · since 01 mars 2022 · 0870.718.619

Ended

Bruno Germiat

Manager · since 06 mai 1988

Ended

Bruno Germiat

Mandate

Ended

BRUNO GERMIAT

Manager

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates12/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DIVERS
PDF
Mandates23/03/2022
DEMISSIONS, NOMINATIONS
PDF
Registered office14/09/2020
SIEGE SOCIAL
PDF
Registered office08/02/2018
SIEGE SOCIAL
PDF
Court decision15/02/2017
RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, ETC...)
PDF
Court decision26/09/2016
RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, ETC...)
PDF
Court decision26/07/1997
RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, 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 2025-11,8 k €↓
2024
Annual accounts 2024192,6 k €↑
2023
Annual accounts 202317,1 k €↑
2023
Name changeBCG
2022
Annual accounts 202214,3 k €↓
2021
Annual accounts 202118,2 k €↓
2021
Name changeBRUNO GERMIAT
2020
Annual accounts 202039,3 k €↑
2019
Annual accounts 201932,1 k €↑
2018
Annual accounts 201822,4 k €↑
2017
Annual accounts 2017-36,2 k €↑
2016
Annual accounts 2016-37 k €↓
2015
Annual accounts 20155,3 k €↑
2014
Annual accounts 2014-6,5 k €↑
2013
Annual accounts 2013-24,1 k €↓
2012
Annual accounts 2012-19,6 k €↑
2011
Annual accounts 2011-29 k €↓
2010
Annual accounts 2010-3,5 k €↓
2009
Annual accounts 200920,3 k €↑
2008
Annual accounts 200813,7 k €↑
2007
Annual accounts 2007-22,7 k €↓
2006
Annual accounts 20068,3 k €
13/04/1988
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

BCG

Overview

What does BCG 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