ACTIVE

First Class Service

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Financial year 2025 · closed on 31/12/2025

Net result

103 k €

-27.2% YoY

Gross margin

234,5 k €

-5.7% YoY

Equity

753,6 k €

+11.4% YoY

What does First Class Service do?

First Class Service is a Private limited company incorporated in 1989. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Couvin.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0436.566.514

Incorporation

30/01/1989

Legal form

Private limited company

Registered office

Rue des Fontaines, Peti. 8
5660 Couvin · WallonieSee on map

Contributed capital

12 423,48 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 70200Management consultancy activities 70220Business and other management consultancy activities

Joint committees (1)

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

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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	234,5 k €	-5.7%	248,5 k €	+50.8%	164,7 k €	-55.9%	374 k €	+463%	66,4 k €	+698%	8,3 k €	+58.6%	5,2 k €	-58.5%	12,7 k €	+31.2%	9,6 k €	+77.6%	5,4 k €	+3337%	-167,8 €	-104%	3,9 k €	-25.4%	5,3 k €	-49.1%	10,4 k €	-17.7%	12,6 k €	+23.7%	10,2 k €	+37.6%	7,4 k €	+9.5%	6,8 k €	-7.9%	7,4 k €	+6.2%	6,9 k €
EBITDA	161,4 k €	-11.0%	181,3 k €	+20.4%	150,6 k €	-59.7%	374 k €	+463%	66,4 k €	+698%	8,3 k €	+58.6%	5,2 k €	-58.5%	12,7 k €	+31.2%	9,6 k €	+77.6%	5,4 k €	+1154%	-515,3 €	-114%	3,6 k €	-24.8%	4,8 k €	-51.6%	9,9 k €	-15.3%	11,7 k €	+23.9%	9,4 k €	+40.8%	6,7 k €	+5.0%	6,4 k €	+15.4%	5,5 k €	+9.0%	5,1 k €
Operating result	151,7 k €	-6.0%	161,4 k €	+13.7%	142 k €	-62.0%	374 k €	+463%	66,4 k €	+698%	8,3 k €	+58.6%	5,2 k €	-58.5%	12,7 k €	+31.2%	9,6 k €	+89.2%	5,1 k €	+701%	-848,1 €	-126%	3,3 k €	-26.7%	4,5 k €	-53.4%	9,6 k €	-18.1%	11,7 k €	+59.2%	7,3 k €	+59.4%	4,6 k €	+7.4%	4,3 k €	+30.7%	3,3 k €	-29.8%	4,7 k €
Net result	103 k €	-27.2%	141,4 k €	+16.8%	121 k €	-62.6%	323,6 k €	+597%	46,5 k €	+746%	5,5 k €	+68.1%	3,3 k €	-60.1%	8,2 k €	+43.2%	5,7 k €	+65.1%	3,5 k €	+499%	-869 €	-140%	2,2 k €	-28.9%	3,1 k €	-55.4%	6,9 k €	-12.5%	7,8 k €	+74.6%	4,5 k €	+103%	2,2 k €	+10.5%	2 k €	+128%	876,3 €	-80.5%	4,5 k €
Balance sheet
Equity	753,6 k €	+11.4%	676,7 k €	+26.4%	535,3 k €	+29.2%	414,3 k €	+357%	90,7 k €	+105%	44,2 k €	+14.2%	38,7 k €	+9.2%	35,5 k €	+30.0%	27,3 k €	+26.6%	21,5 k €	+19.2%	18,1 k €	-4.6%	18,9 k €	+13.0%	16,8 k €	+22.3%	13,7 k €	+99.8%	6,9 k €	+809%	-967,7 €	+82.3%	-5,5 k €	+28.8%	-7,7 k €	+20.7%	-9,7 k €	+8.3%	-10,5 k €
Total assets	1,6 M €	+3.7%	1,5 M €	-7.8%	1,6 M €	+20.1%	1,4 M €	+7.7%	1,3 M €	+2.2%	1,2 M €	+2920%	40,7 k €	-1.1%	41,1 k €	+31.5%	31,3 k €	+34.2%	23,3 k €	+28.9%	18,1 k €	-15.0%	21,3 k €	+2.2%	20,8 k €	+27.3%	16,4 k €	+52.7%	10,7 k €	+198%	3,6 k €	-61.6%	9,4 k €	-13.0%	10,8 k €	+3.7%	10,4 k €	+153%	4,1 k €
Cash	30,5 k €	-38.8%	49,9 k €	+40.6%	35,5 k €	+13.1%	31,4 k €	-15.2%	37 k €	+127%	16,3 k €	+122%	7,3 k €	-46.2%	13,6 k €	+167%	5,1 k €	-53.0%	10,9 k €	+34.1%	8,1 k €	-24.2%	10,7 k €	+696%	1,3 k €	-4.7%	1,4 k €	-82.3%	8 k €	+185%	2,8 k €	-16.6%	3,4 k €	+24.3%	2,7 k €	+20.8%	2,2 k €	+58.8%	1,4 k €
Debts	798,8 k €	-2.6%	819,9 k €	-24.6%	1,1 M €	+16.1%	936,9 k €	-19.5%	1,2 M €	-1.7%	1,2 M €	+60997%	1,9 k €	-65.8%	5,7 k €	+41.1%	4 k €	+128%	1,8 k €		–		2,3 k €	-42.5%	4,1 k €	+53.2%	2,6 k €	-31.3%	3,8 k €	-15.7%	4,6 k €	-69.2%	14,8 k €	-19.6%	18,4 k €	-8.0%	20 k €	+36.9%	14,6 k €

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 11 ended

Active mandates

Pascaline Caucheteur

Mandate

Active

Ended mandates

André ANGILIS

Director

Ended

André ANGILLIS

Director

Ended

Ann Veronique ANGILIS

Director

Ended

Ann Véronique ANGILLIS

Director

Ended

At this address

Other companies at this address

Company	CBE no.
UNITE ZEBIERE● Active	0778.390.356

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro 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	17/09/2026	30/07/2025	09/09/2024	25/08/2023	29/08/2022	16/08/2021
General meeting	26/08/2026	28/07/2025	06/09/2024	21/08/2023	10/06/2022	10/06/2021
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

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro modelCorrection	31/12/2025	26/08/2026	17/09/2026	French	PDF
Micro model	31/12/2025	26/08/2026	27/08/2026	French	PDF
Micro model	31/12/2024	28/07/2025	30/07/2025	French	PDF
Micro model	31/12/2023	06/09/2024	09/09/2024	French	PDF
Micro model	31/12/2022	21/08/2023	25/08/2023	French	PDF
Micro model	31/12/2021	10/06/2022	29/08/2022	French	PDF
Micro model	31/12/2020	10/06/2021	16/08/2021	French	PDF
Micro model	31/12/2019	02/07/2020	06/07/2020	French	PDF
Micro model	31/12/2018	19/06/2019	02/07/2019	French	PDF
Micro model	31/12/2017	28/06/2018	04/07/2018	French	PDF
Micro model	31/12/2016	28/07/2017	28/07/2017	French	PDF
Abridged model	31/12/2015	28/05/2016	29/08/2016	French	PDF
Abridged model	31/12/2014	23/05/2015	19/08/2015	French	PDF
Abridged model	31/12/2013	24/05/2014	28/08/2014	French	PDF
Abridged model	31/12/2012	25/05/2013	25/02/2014	French	PDF
Abridged model	31/12/2011	26/05/2012	27/07/2012	French	PDF
Abridged model	31/12/2010	28/05/2011	18/08/2011	French	PDF
Abridged model	31/12/2009	22/05/2010	11/08/2010	French	PDF
Abridged model	31/12/2008	23/05/2009	30/08/2009	French	PDF
Abridged model	31/12/2007	21/06/2008	25/08/2008	French	PDF
Abridged model	31/12/2006	16/06/2007	14/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

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 · 11 ended

Active mandates

Pascaline Caucheteur

Mandate

Active

Ended mandates

André ANGILIS

Director

Ended

André ANGILLIS

Director

Ended

Ann Veronique ANGILIS

Director

Ended

Ann Véronique ANGILLIS

Director

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Registered office10/04/2025
SIEGE SOCIAL
PDF
Registered office25/10/2022
SIEGE SOCIAL
PDF
Mandates26/08/2021
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Mandates17/08/2012
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Capital / shares28/07/2005
CAPITAL, ACTIONS - ASSEMBLEE GENERALE - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
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 2025103 k €↓
2024
Annual accounts 2024141,4 k €↑
2023
Annual accounts 2023121 k €↓
2022
Annual accounts 2022323,6 k €↑
2021
Annual accounts 202146,5 k €↑
2020
Annual accounts 20205,5 k €↑
2019
Annual accounts 20193,3 k €↓
2018
Annual accounts 20188,2 k €↑
2017
Annual accounts 20175,7 k €↑
2016
Annual accounts 20163,5 k €↑
2015
Annual accounts 2015-869 €↓
2014
Annual accounts 20142,2 k €↓
2013
Annual accounts 20133,1 k €↓
2012
Annual accounts 20126,9 k €↓
2011
Annual accounts 20117,8 k €↑
2010
Annual accounts 20104,5 k €↑
2009
Annual accounts 20092,2 k €↑
2008
Annual accounts 20082 k €↑
2007
Annual accounts 2007876,3 €↓
2006
Annual accounts 20064,5 k €
30/01/1989
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

First Class Service

Overview

What does First Class Service 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