ACTIVE

DIFFERDING ASSURANCES

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Financial year 2024 · closed on 31/12/2024

Net result

75,1 k €

+47.7% YoY

Gross margin

148,8 k €

+23.2% YoY

Equity

159,5 k €

+89.0% YoY

What does DIFFERDING ASSURANCES do?

DIFFERDING ASSURANCES is a Private limited company incorporated in 1991. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Martelange.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0444.803.002

Incorporation

27/07/1991

Legal form

Private limited company

Registered office

Grand-Rue 5 box A
6630 Martelange · WallonieSee on map

Contributed capital

6 197,33 €

Latest accounts

31/12/2024

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

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	148,8 k €	+23.2%	120,9 k €	+86.4%	64,8 k €	+7.3%	60,4 k €	-4.6%	63,3 k €	-0.3%	63,5 k €	+15.4%	55,0 k €	-14.1%	64,0 k €	+15.2%	55,6 k €	+15.1%	48,3 k €	-26.6%	65,7 k €	-8.9%	72,2 k €	+11.4%	64,8 k €	+15.2%	56,2 k €	-18.1%	68,7 k €	+18.7%	57,9 k €	-4.1%	60,3 k €	-21.6%	77,0 k €	+54.1%	50,0 k €
EBITDA	102,2 k €	+45.6%	70,2 k €	+231%	21,2 k €	+11.3%	19,1 k €	+116%	8,8 k €	-61.1%	22,7 k €	+59.1%	14,3 k €	-47.9%	27,4 k €	+55.5%	17,6 k €	+44.7%	12,2 k €	-58.2%	29,2 k €	-8.1%	31,7 k €	+33.0%	23,9 k €	+110%	11,4 k €	-43.6%	20,2 k €	-15.0%	23,7 k €	-11.5%	26,8 k €	-40.8%	45,3 k €	+117%	20,9 k €
Operating result	101,3 k €	+44.9%	69,9 k €	+495%	11,8 k €	+22.5%	9,6 k €	+39.8%	6,9 k €	-46.7%	12,9 k €	+247%	3,7 k €	-78.0%	16,9 k €	+100%	8,4 k €	+277%	2,2 k €	-88.0%	18,6 k €	-16.5%	22,3 k €	-0.5%	22,4 k €	+1892%	1,1 k €	-87.8%	9,2 k €	-27.0%	12,6 k €	-22.2%	16,2 k €	-52.7%	34,4 k €	+175%	12,5 k €
Net result	75,1 k €	+47.7%	50,9 k €	+659%	6,7 k €	+89.1%	3,5 k €	+45.2%	2,4 k €	-65.1%	7,0 k €	+590%	1,0 k €	-89.6%	9,8 k €	+117%	4,5 k €	+431%	-1,4 k €	-112%	11,5 k €	-15.3%	13,6 k €	-14.3%	15,9 k €	+800%	-2,3 k €	-165%	3,5 k €	-56.5%	8,1 k €	-22.0%	10,4 k €	-50.1%	20,8 k €	+129%	9,1 k €
Balance sheet
Equity	159,5 k €	+89.0%	84,4 k €	+152%	33,5 k €	+0.3%	33,4 k €	+11.9%	29,9 k €	-29.6%	42,4 k €	-55.6%	95,7 k €	+0.2%	95,4 k €	+11.4%	85,7 k €	+5.6%	81,2 k €	-1.7%	82,5 k €	+218%	26,0 k €	-66.4%	77,3 k €	+25.9%	61,4 k €	-3.6%	63,7 k €	-36.4%	100,2 k €	+8.8%	92,1 k €	+12.7%	81,7 k €	-42.0%	140,9 k €
Total assets	175,2 k €	+68.4%	104,1 k €	+60.0%	65,1 k €	-0.5%	65,4 k €	-2.4%	67,0 k €	+7.9%	62,1 k €	-48.3%	120,1 k €	-4.0%	125,1 k €	+23.0%	101,7 k €	-2.1%	103,9 k €	-5.2%	109,5 k €	-8.4%	119,6 k €	+27.5%	93,8 k €	+10.0%	85,3 k €	-25.2%	114,0 k €	+0.7%	113,2 k €	-12.8%	129,7 k €	-30.7%	187,2 k €	+24.2%	150,7 k €
Cash	153,4 k €	+91.4%	80,1 k €	+610%	11,3 k €	-28.8%	15,8 k €	+134%	6,8 k €	-40.6%	11,4 k €	+7.6%	10,6 k €	+8.2%	9,8 k €	-46.2%	18,2 k €	+41.8%	12,8 k €	-27.2%	17,6 k €	-17.9%	21,5 k €	+30.5%	16,5 k €	+44.7%	11,4 k €	-30.6%	16,4 k €	-8.7%	17,9 k €	-52.7%	38,0 k €	+13.8%	33,3 k €	-11.2%	37,6 k €
Debts	15,7 k €	-20.1%	19,7 k €	-37.6%	31,5 k €	-1.3%	32,0 k €	-13.9%	37,1 k €	+88.9%	19,7 k €	-19.7%	24,5 k €	-17.6%	29,7 k €	+85.2%	16,0 k €	-29.4%	22,7 k €	-15.9%	27,0 k €	-71.2%	93,7 k €	+469%	16,5 k €	-31.0%	23,9 k €	-52.6%	50,3 k €	+286%	13,0 k €	-65.4%	37,7 k €	-64.3%	105,5 k €	+974%	9,8 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	-11.1%	0,9 ETP	-25.0%	1,2 ETP	0.0%	1,2 ETP	+20.0%	1,0 ETP	-28.6%	1,4 ETP	-12.5%	1,6 ETP	+100%	0,8 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 31/12/2024 · 1 active · 5 ended

Active mandates

SA Assurances Plainchamps

Managing director

Active

Ended mandates

JEAN-LUC DIFFERDING

Director

Ended

JEAN-LUC DIFFERDING

Manager

Ended

Joan JUCHEM

Associate

Ended

SA Assurances Plainchamps

Director

Ended

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro 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	10/07/2025	13/06/2024	27/06/2023	16/09/2022	23/11/2021	27/10/2020
General meeting	30/05/2025	31/05/2024	26/05/2023	05/09/2022	19/11/2021	30/09/2020
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

Ratios

Financial ratios

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Filings

Annual accounts filings

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	30/05/2025	10/07/2025	French	PDF
Micro model	31/12/2023	31/05/2024	13/06/2024	French	PDF
Micro model	31/12/2022	26/05/2023	27/06/2023	French	PDF
Micro model	31/12/2021	05/09/2022	16/09/2022	French	PDF
Micro model	31/12/2020	19/11/2021	23/11/2021	French	PDF
Micro model	31/12/2019	30/09/2020	27/10/2020	French	PDF
Micro model	31/12/2018	31/05/2019	10/10/2019	French	PDF
Micro model	31/12/2017	25/05/2018	26/09/2018	French	PDF
Micro model	31/12/2016	30/06/2017	26/09/2017	French	PDF
Abridged model	31/12/2015	30/06/2016	27/09/2016	French	PDF
Abridged model	31/12/2014	29/06/2015	28/09/2015	French	PDF
Abridged model	31/12/2013	30/05/2014	30/09/2014	French	PDF
Abridged model	31/12/2012	31/05/2013	08/10/2013	French	PDF
Abridged model	31/12/2011	25/05/2012	15/11/2012	French	PDF
Abridged model	31/12/2010	27/05/2011	22/12/2011	French	PDF
Abridged model	31/12/2009	12/11/2010	15/11/2010	French	PDF
Abridged model	31/12/2008	09/12/2009	09/12/2009	French	PDF
Abridged model	31/12/2007	04/11/2008	18/12/2008	French	PDF
Abridged model	31/12/2006	27/07/2007	31/07/2007	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 31/12/2024 · 1 active · 5 ended

Active mandates

SA Assurances Plainchamps

Managing director

Active

Ended mandates

JEAN-LUC DIFFERDING

Director

Ended

JEAN-LUC DIFFERDING

Manager

Ended

Joan JUCHEM

Associate

Ended

SA Assurances Plainchamps

Director

Ended

Shareholders

Ownership and network

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Competition

Similar companies

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

See the Business plan

2024
Annual accounts 202475,1 k €↑
2023
Annual accounts 202350,9 k €↑
2022
Annual accounts 20226,7 k €↑
2021
Annual accounts 20213,5 k €↑
2020
Annual accounts 20202,4 k €↓
2019
Annual accounts 20197,0 k €↑
2018
Annual accounts 20181,0 k €↓
2017
Annual accounts 20179,8 k €↑
2016
Annual accounts 20164,5 k €↑
2015
Annual accounts 2015-1,4 k €↓
2014
Annual accounts 201411,5 k €↓
2013
Annual accounts 201313,6 k €↓
2012
Annual accounts 201215,9 k €↑
2011
Annual accounts 2011-2,3 k €↓
2010
Annual accounts 20103,5 k €↓
2009
Annual accounts 20098,1 k €↓
2008
Annual accounts 200810,4 k €↓
2007
Annual accounts 200720,8 k €↑
2006
Annual accounts 20069,1 k €
27/07/1991
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

DIFFERDING ASSURANCES

Overview

What does DIFFERDING ASSURANCES do?

Trend over 19 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

Similar companies

Similar companies

Timeline