ACTIVE

AGIFRA

Export PDF

Financial year 2025 · closed on 31/12/2025

Net result

1,5 M €

+96.8% YoY

Gross margin

2,2 M €

+13.3% YoY

Equity

4,3 M €

+39.7% YoY

Workforce

12,2 ETP

+5.2% YoY

What does AGIFRA do?

AGIFRA is a Public limited company incorporated in 1989. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Braine-l'Alleud. It employs on average 12,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0437.717.448

Incorporation

13/06/1989

Legal form

Public limited company

Registered office

Rue du Hautmont 8
1421 Braine-l'Alleud · WallonieSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Average workforce

12,2 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 riskPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

Available with a Rovalta subscriptionTry for 7 days

Recommended credit limit

✦ 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 €	+13.3%	2 M €	+1.5%	1,9 M €	+4.3%	1,9 M €	+4.6%	1,8 M €	-3.2%	1,8 M €	+2.6%	1,8 M €	+5.5%	1,7 M €	+1.5%	1,7 M €	+24.8%	1,3 M €	+62.3%	826,3 k €	-2.1%	844,2 k €	+2.8%	821 k €	+42.2%	577,5 k €	+18.2%	488,7 k €	-16.0%	581,8 k €	+142%	240,2 k €	-19.6%	298,9 k €	+17.9%	253,4 k €	+57.8%	160,5 k €
EBITDA	1,3 M €	+21.9%	1,1 M €	-6.3%	1,1 M €	+7.2%	1,1 M €	-9.4%	1,2 M €	-8.4%	1,3 M €	-5.1%	1,4 M €	+5.1%	1,3 M €	+0.8%	1,3 M €	+17.9%	1,1 M €	+94.1%	558,1 k €	-5.7%	591,6 k €	+14.5%	516,6 k €	+28.6%	401,7 k €	+26.9%	316,5 k €	-25.3%	423,6 k €	+170%	157 k €	-23.7%	205,7 k €	+17.4%	175,2 k €	+55.2%	112,9 k €
Operating result	905,2 k €	+27.0%	712,9 k €	-5.8%	757,1 k €	+14.5%	661,1 k €	-0.7%	666,1 k €	-17.9%	811,4 k €	-5.2%	855,6 k €	+9.3%	782,5 k €	-4.6%	820,4 k €	+11.1%	738,6 k €	+67.8%	440,1 k €	-7.0%	473,2 k €	+15.1%	411 k €	+16.1%	354 k €	+36.7%	259 k €	-27.9%	359,3 k €	+208%	116,6 k €	-29.8%	166,2 k €	+13.7%	146,2 k €	+62.8%	89,8 k €
Net result	1,5 M €	+96.8%	747,1 k €	+86.0%	401,7 k €	-8.0%	436,4 k €	+69.6%	257,2 k €	+25.3%	205,3 k €	-50.7%	416,7 k €	+16.6%	357,3 k €	+3.7%	344,5 k €	+75.1%	196,7 k €	-8.2%	214,2 k €	-37.7%	344 k €	+176%	124,7 k €	+752%	14,6 k €	-88.4%	126,6 k €	-40.1%	211,4 k €	+751%	24,8 k €	-63.1%	67,3 k €	+12.7%	59,7 k €	+1142%	4,8 k €
Balance sheet
Equity	4,3 M €	+39.7%	3,1 M €	+23.9%	2,5 M €	+12.7%	2,2 M €	+9.9%	2 M €	+0.9%	2 M €	-2.2%	2 M €	+9.4%	1,9 M €	-6.9%	2 M €	+44.7%	1,4 M €	+16.5%	1,2 M €	+5.7%	1,1 M €	+64.0%	687,9 k €	+113%	323 k €	+4.7%	308,3 k €	+27.6%	241,7 k €	+60.8%	150,3 k €	+3.3%	145,5 k €	+13.5%	128,2 k €	+8.2%	118,5 k €
Total assets	8,3 M €	-0.1%	8,3 M €	-5.4%	8,8 M €	+80.3%	4,9 M €	+3.1%	4,7 M €	-15.2%	5,6 M €	-8.5%	6,1 M €	-2.5%	6,2 M €	-5.1%	6,6 M €	-8.9%	7,2 M €	+107%	3,5 M €	+12.3%	3,1 M €	-3.6%	3,2 M €	+56.4%	2,1 M €	+7.1%	1,9 M €	+2.6%	1,9 M €	+16.1%	1,6 M €	-2.8%	1,7 M €	+2.8%	1,6 M €	+7.2%	1,5 M €
Cash	293,3 k €	+223%	90,8 k €	-11.0%	102 k €	-90.8%	1,1 M €	+42.2%	782,8 k €	-30.2%	1,1 M €	+20.5%	931,2 k €	+107%	450,1 k €	-56.9%	1 M €	+62.5%	643 k €	+329%	150 k €	-27.8%	207,8 k €	-64.6%	587 k €	+546%	90,9 k €	-32.1%	133,9 k €	+241%	39,3 k €	+45.0%	27,1 k €	-34.1%	41,1 k €	+47.4%	27,9 k €	+16.5%	24 k €
Debts	4 M €	-23.8%	5,2 M €	-17.1%	6,3 M €	+138%	2,6 M €	-1.2%	2,7 M €	-24.0%	3,5 M €	-11.1%	4 M €	-4.8%	4,2 M €	-3.0%	4,3 M €	-20.9%	5,4 M €	+157%	2,1 M €	+15.9%	1,8 M €	-26.0%	2,5 M €	+50.8%	1,6 M €	+6.2%	1,5 M €	-3.0%	1,6 M €	+12.7%	1,4 M €	-3.1%	1,4 M €	-0.1%	1,4 M €	+4.4%	1,4 M €
Other
Workforce	12,2 ETP	+5.2%	11,6 ETP	+4.5%	11,1 ETP		–		9,4 ETP	+8.0%	8,7 ETP	+10.1%	7,9 ETP	+12.9%	7,0 ETP		–		4,2 ETP	-20.8%	5,3 ETP	0.0%	5,3 ETP	-7.0%	5,7 ETP	+111%	2,7 ETP	0.0%	2,7 ETP	+8.0%	2,5 ETP	+150%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 27 ended

Active mandates

FRANCOIS GILLARD

Managing director

Active

Ended mandates

Alexandre Gillard

Director · since 15 mai 2023 · until 15 mai 2029

Ended

Christophe Leclercq

Director · since 15 mai 2023 · until 15 mai 2029

Ended

Eric Philippe

Director · since 15 mai 2023 · until 15 mai 2029

Ended

François Gillard

Managing director · since 15 mai 2023 · until 15 mai 2029

Ended

At this address

Other companies at this address

Company	CBE no.
ONE Services● Active	0835.345.192

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	31/07/2026	23/07/2025	30/08/2024	09/08/2023	30/08/2022	13/08/2021
General meeting	19/05/2026	20/05/2025	21/05/2024	16/05/2023	17/05/2022	18/05/2021
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

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

22 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	19/05/2026	31/07/2026	French	PDF
Abridged model	31/12/2024	20/05/2025	23/07/2025	French	PDF
Abridged modelCorrection	31/12/2023	21/05/2024	30/08/2024	French	PDF
Abridged model	31/12/2023	21/05/2024	26/08/2024	French	PDF
Abridged model	31/12/2022	16/05/2023	09/08/2023	French	PDF
Abridged model	31/12/2021	17/05/2022	30/08/2022	French	PDF
Abridged model	31/12/2020	18/05/2021	13/08/2021	French	PDF
Abridged model	31/12/2019	07/09/2020	28/09/2020	French	PDF
Abridged modelCorrection	31/12/2018	21/05/2019	31/12/2019	French	PDF
Abridged model	31/12/2018	21/05/2019	14/08/2019	French	PDF
Abridged model	31/12/2017	15/05/2018	20/07/2018	French	PDF
Abridged model	31/12/2016	16/05/2017	26/07/2017	French	PDF
Abridged model	31/12/2015	17/05/2016	05/07/2016	French	PDF
Abridged model	31/12/2014	19/05/2015	08/06/2015	French	PDF
Abridged model	31/12/2013	20/05/2014	25/06/2014	French	PDF
Abridged model	31/12/2012	21/05/2013	20/06/2013	French	PDF
Abridged model	31/12/2011	15/05/2012	11/06/2012	French	PDF
Abridged model	31/12/2010	17/05/2011	12/07/2011	French	PDF
Abridged model	31/12/2009	18/05/2010	31/05/2010	French	PDF
Abridged model	31/12/2008	19/05/2009	30/06/2009	French	PDF
Abridged model	31/12/2007	20/05/2008	22/07/2008	French	PDF
Abridged model	31/12/2006	15/05/2007	08/06/2007	French	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 27 ended

Active mandates

FRANCOIS GILLARD

Managing director

Active

Ended mandates

Alexandre Gillard

Director · since 15 mai 2023 · until 15 mai 2029

Ended

Christophe Leclercq

Director · since 15 mai 2023 · until 15 mai 2029

Ended

Eric Philippe

Director · since 15 mai 2023 · until 15 mai 2029

Ended

François Gillard

Managing director · since 15 mai 2023 · until 15 mai 2029

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates21/01/2025
DEMISSIONS, NOMINATIONS
PDF
Other12/09/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates03/07/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates14/07/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates13/01/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates16/04/2018
DEMISSIONS, NOMINATIONS
PDF
Capital / shares26/03/2018
CAPITAL, ACTIONS
PDF
Restructuring23/11/2017
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 20251,5 M €↑
2024
Annual accounts 2024747,1 k €↑
2023
Annual accounts 2023401,7 k €↓
2022
Annual accounts 2022436,4 k €↑
2021
Annual accounts 2021257,2 k €↑
2020
Annual accounts 2020205,3 k €↓
2019
Annual accounts 2019416,7 k €↑
2018
Annual accounts 2018357,3 k €↑
2017
Annual accounts 2017344,5 k €↑
2016
Annual accounts 2016196,7 k €↓
2015
Annual accounts 2015214,2 k €↓
2014
Annual accounts 2014344 k €↑
2013
Annual accounts 2013124,7 k €↑
2012
Annual accounts 201214,6 k €↓
2011
Annual accounts 2011126,6 k €↓
2010
Annual accounts 2010211,4 k €↑
2009
Annual accounts 200924,8 k €↓
2008
Annual accounts 200867,3 k €↑
2007
Annual accounts 200759,7 k €↑
2006
Annual accounts 20064,8 k €
13/06/1989
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

AGIFRA

Overview

What does AGIFRA 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