ACTIVE

SCHYNS ASSURANCES

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Financial year 2025 · closed on 31/12/2025

Net result

311 k €

+16.1% YoY

Gross margin

775,5 k €

+8.2% YoY

Equity

1,8 M €

-21.2% YoY

Workforce

3,3 ETP

-15.4% YoY

What does SCHYNS ASSURANCES do?

SCHYNS ASSURANCES is a Public limited company incorporated in 1989. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Herve. It employs on average 3,3 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0439.630.724

Incorporation

23/12/1989

Legal form

Public limited company

Registered office

Place du Marché 2
4651 Herve · WallonieSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Average workforce

3,3 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Contacts

2 public details availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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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	775,5 k €	+8.2%	717 k €	+1.4%	706,8 k €	+8.4%	651,7 k €	+2.2%	637,9 k €	+20.3%	530,4 k €	-2.7%	544,9 k €	+6.4%	512,1 k €	+15.1%	444,9 k €	-1.3%	450,8 k €	+6.2%	424,4 k €	+2.9%	412,5 k €	-1.3%	417,8 k €	-2.7%	429,2 k €	+13.8%	377,3 k €	+3.9%	363,3 k €	-4.8%	381,5 k €	+18.7%	321,4 k €	+4.5%	307,5 k €	+22.5%	251 k €
EBITDA	533,5 k €	+14.1%	467,7 k €	-4.9%	491,9 k €	+1.9%	482,8 k €	-2.0%	492,4 k €	+22.5%	402,1 k €	-7.4%	434,1 k €	+7.9%	402,5 k €	+15.6%	348,3 k €	-0.9%	351,3 k €	+3.0%	341,2 k €	-0.3%	342,3 k €	-0.9%	345,3 k €	-4.2%	360,3 k €	+15.8%	311,1 k €	+5.6%	294,7 k €	-5.8%	312,7 k €	+20.8%	258,9 k €	+3.0%	251,3 k €	+27.9%	196,5 k €
Operating result	415,7 k €	+14.5%	362,9 k €	-11.4%	409,8 k €	+3.3%	396,9 k €	-2.2%	405,6 k €	+30.8%	310,2 k €	-9.3%	341,8 k €	+9.0%	313,5 k €	+20.8%	259,5 k €	-13.7%	300,6 k €	+6.7%	281,8 k €	-10.4%	314,4 k €	+0.5%	312,9 k €	-5.1%	329,9 k €	+17.8%	280 k €	+4.5%	268,1 k €	-5.6%	283,9 k €	+17.6%	241,4 k €	+3.3%	233,7 k €	+30.0%	179,7 k €
Net result	311 k €	+16.1%	267,8 k €	-4.1%	279,1 k €	+4.0%	268,3 k €	-1.7%	272,9 k €	+32.3%	206,3 k €	-7.9%	224 k €	+1.7%	220,2 k €	+24.0%	177,6 k €	-11.3%	200,1 k €	+2.0%	196,3 k €	-7.5%	212,1 k €	-2.9%	218,4 k €	-5.8%	231,8 k €	+21.6%	190,6 k €	+0.9%	188,9 k €	+0.8%	187,4 k €	+0.7%	186,2 k €	+11.8%	166,5 k €	+26.0%	132,2 k €
Balance sheet
Equity	1,8 M €	-21.2%	2,3 M €	+2.2%	2,2 M €	+14.4%	1,9 M €	+16.1%	1,7 M €	+19.6%	1,4 M €	-22.6%	1,8 M €	+14.2%	1,6 M €	+16.3%	1,4 M €	+15.1%	1,2 M €	+9.3%	1,1 M €	+8.7%	988,7 k €	+11.5%	886,5 k €	+2.8%	862,2 k €	+14.9%	750,3 k €	+9.3%	686,7 k €	+14.9%	597,7 k €	+18.6%	504,1 k €	+14.1%	441,9 k €	+14.4%	386,4 k €
Total assets	2,7 M €	+3.7%	2,6 M €	+8.3%	2,4 M €	+17.2%	2 M €	+12.8%	1,8 M €	+6.0%	1,7 M €	-19.8%	2,1 M €	+2.1%	2,1 M €	+5.7%	2 M €	+39.9%	1,4 M €	+6.4%	1,3 M €	+4.5%	1,3 M €	+1.3%	1,2 M €	+8.6%	1,1 M €	+2.0%	1,1 M €	+3.7%	1,1 M €	+9.1%	992,2 k €	+5.9%	937,1 k €	+11.0%	844,2 k €	+0.7%	838,5 k €
Cash	1,9 M €	+13.8%	1,7 M €	+11.1%	1,5 M €	+20.0%	1,3 M €	+35.9%	945,5 k €	+4.5%	905,1 k €	-26.3%	1,2 M €	+6.1%	1,2 M €	+19.4%	969,5 k €	+11.9%	866,5 k €	+19.2%	727,1 k €	+179875%	404 €	-99.2%	53,2 k €	-81.3%	284,5 k €	-36.7%	449,7 k €	+5.9%	424,7 k €	+28.7%	330 k €	-1.3%	334,4 k €	+8.9%	307,1 k €	+1.9%	301,4 k €
Debts	891,9 k €	+181%	317,9 k €	+89.3%	167,9 k €	+72.2%	97,5 k €	-27.3%	134,2 k €	-56.1%	305,9 k €	-3.8%	318 k €	-36.3%	499 k €	-18.0%	608,3 k €	+169%	226,2 k €	-6.4%	241,8 k €	-10.9%	271,2 k €	-24.0%	356,6 k €	+26.3%	282,4 k €	-24.1%	371,9 k €	-6.0%	395,6 k €	+1.5%	389,7 k €	-10.0%	433 k €	+7.6%	402,4 k €	-11.0%	452,2 k €
Other
Workforce	3,3 ETP	-15.4%	3,9 ETP	-7.1%	4,2 ETP	+10.5%	3,8 ETP	+26.7%	3,0 ETP	-9.1%	3,3 ETP	+22.2%	2,7 ETP	+8.0%	2,5 ETP	+8.7%	2,3 ETP	-11.5%	2,6 ETP	+23.8%	2,1 ETP	+16.7%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 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 · 2 active · 8 ended

Active mandates

Marc SCHYNS

Managing director · since 27 avril 2020

Active

Philippe SCHYNS

Managing director · since 27 avril 2020

Active

Ended mandates

Marc SCHYNS

Managing director · since 25 avril 2014 · until 27 avril 2020

Ended

Philippe SCHYNS

Managing director · since 25 avril 2014 · until 27 avril 2020

Ended

Marc Schyns

Managing director · since 27 avril 2009 · until 27 avril 2014

Ended

Marc SCHYNS

Managing director · since 27 avril 2008 · until 27 avril 2014

Ended

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	06/05/2026	29/08/2025	13/06/2024	26/06/2023	31/08/2022	13/09/2021
General meeting	24/04/2026	25/04/2025	26/04/2024	28/04/2023	22/04/2022	23/04/2021
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
Abridged model	31/12/2025	24/04/2026	06/05/2026	French	PDF
Abridged model	31/12/2024	25/04/2025	29/08/2025	French	PDF
Abridged model	31/12/2023	26/04/2024	13/06/2024	French	PDF
Abridged model	31/12/2022	28/04/2023	26/06/2023	French	PDF
Abridged model	31/12/2021	22/04/2022	31/08/2022	French	PDF
Abridged model	31/12/2020	23/04/2021	13/09/2021	French	PDF
Abridged model	31/12/2019	24/04/2020	18/05/2020	French	PDF
Abridged model	31/12/2018	26/04/2019	17/06/2019	French	PDF
Abridged model	31/12/2017	30/06/2018	06/09/2018	French	PDF
Abridged model	31/12/2016	28/04/2017	10/05/2017	French	PDF
Abridged model	31/12/2015	29/04/2016	09/05/2016	French	PDF
Abridged model	31/12/2014	24/04/2015	13/05/2015	French	PDF
Abridged model	31/12/2013	25/04/2014	15/07/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	17/07/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	12/07/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	05/07/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	09/07/2010	French	PDF
Abridged model	31/12/2008	24/04/2009	28/04/2009	French	PDF
Abridged model	31/12/2007	25/04/2008	19/05/2008	French	PDF
Abridged model	31/12/2006	27/04/2007	26/06/2007	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 · 2 active · 8 ended

Active mandates

Marc SCHYNS

Managing director · since 27 avril 2020

Active

Philippe SCHYNS

Managing director · since 27 avril 2020

Active

Ended mandates

Marc SCHYNS

Managing director · since 25 avril 2014 · until 27 avril 2020

Ended

Philippe SCHYNS

Managing director · since 25 avril 2014 · until 27 avril 2020

Ended

Marc Schyns

Managing director · since 27 avril 2009 · until 27 avril 2014

Ended

Marc SCHYNS

Managing director · since 27 avril 2008 · until 27 avril 2014

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Other17/08/2026
SCISSION PARTIELLE DANS DISSOLUTION PAR CONSTITUTION DE DEUX
PDF
Restructuring02/06/2026
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates18/05/2020
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Registered office06/05/2019
SIEGE SOCIAL
PDF
Mandates27/06/2014
DEMISSIONS, NOMINATIONS
PDF
Capital / shares21/01/2014
CAPITAL, ACTIONS
PDF
Capital / shares11/01/2012
CAPITAL, ACTIONS
PDF
Mandates30/06/2008
DEMISSIONS, NOMINATIONS
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 2025311 k €↑
2024
Annual accounts 2024267,8 k €↓
2023
Annual accounts 2023279,1 k €↑
2022
Annual accounts 2022268,3 k €↓
2021
Annual accounts 2021272,9 k €↑
2020
Annual accounts 2020206,3 k €↓
2019
Annual accounts 2019224 k €↑
2018
Annual accounts 2018220,2 k €↑
2017
Annual accounts 2017177,6 k €↓
2016
Annual accounts 2016200,1 k €↑
2015
Annual accounts 2015196,3 k €↓
2014
Annual accounts 2014212,1 k €↓
2013
Annual accounts 2013218,4 k €↓
2012
Annual accounts 2012231,8 k €↑
2011
Annual accounts 2011190,6 k €↑
2010
Annual accounts 2010188,9 k €↑
2009
Annual accounts 2009187,4 k €↑
2008
Annual accounts 2008186,2 k €↑
2007
Annual accounts 2007166,5 k €↑
2006
Annual accounts 2006132,2 k €
23/12/1989
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

SCHYNS ASSURANCES

Overview

What does SCHYNS ASSURANCES do?

Trend over 20 financial years

Indicative valuation

Board of directors

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