ACTIVE

HAYOIT ASSURANCES ET PRETS

Financial year 2025 · Closed on 31/12/2025

Net result134 k €+8,4 %over 1 year

Gross margin303,9 k €+6,5 %over 1 year

Equity1,2 M €+12,6 %over 1 year

Identity

Source · BCE/KBO

HAYOIT ASSURANCES ET PRETS is a Public limited company incorporated in 1992. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Quaregnon.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0448.824.938
Incorporation: 06/11/1992
Legal form: Public limited company
Registered office: Rue Jules Destrée 124
7390 Quaregnon · WallonieSee on map
Contributed capital: 123 946,76 €
Latest accounts: 31/12/2025

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

Financials

Source · NBB, 21 filings

Trend over 18 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	303,9 k €	+6.5%	285,4 k €	+8.3%	263,6 k €	+37.3%	192 k €	-16.7%	230,5 k €
EBITDA	218 k €	+6.1%	205,5 k €	+17.6%	174,7 k €	+23.2%	141,8 k €	-17.7%	172,3 k €
Operating result	205,1 k €	+5.7%	194,1 k €	+13.1%	171,5 k €	+23.5%	138,9 k €	-10.2%	154,6 k €
Net result	134 k €	+8.4%	123,6 k €	+10.6%	111,7 k €	+21.4%	92 k €	-5.3%	97,2 k €
Balance sheet
Equity	1,2 M €	+12.6%	1,1 M €	+5.2%	1 M €	+5.1%	961,3 k €	-6.9%	1 M €
Total assets	1,3 M €	+12.1%	1,2 M €	-17.0%	1,4 M €	+6.6%	1,3 M €	+6.6%	1,2 M €
Cash	973,4 k €	+17.8%	826 k €	-21.7%	1,1 M €	+1.7%	1 M €	+7.6%	964,2 k €
Debts	119,1 k €	+6.8%	111,5 k €	-72.6%	406,7 k €	+10.7%	367,4 k €	+70.5%	215,4 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

2 active · 5 ended

Active mandates

Françoise HAYOIT

Director · since 28 décembre 2023 · until 28 décembre 2029

Active

Philippe HAYOIT

Administrator - manager · since 28 décembre 2023 · until 28 décembre 2029

Active

Ended mandates

Françoise HAYOIT

Director · since 05 mars 2017 · until 13 mai 2023

Ended

Philippe HAYOIT

Administrator - manager · since 05 mars 2017 · until 13 mai 2023

Ended

Françoise HAYOIT

Director

Ended

Louise-Marguerite LHOST

Director

Ended

Full financial information

Source · NBB

	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	12/09/2026	30/09/2025	07/10/2024	29/08/2023	20/07/2022	01/07/2021
General meeting	09/05/2026	10/06/2025	11/06/2024	13/05/2023	14/05/2022	08/05/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	09/05/2026	12/09/2026	French	PDF
Micro model	31/12/2024	10/06/2025	30/09/2025	French	PDF
Micro model	31/12/2023	11/06/2024	07/10/2024	French	PDF
Micro model	31/12/2022	13/05/2023	29/08/2023	French	PDF
Micro model	31/12/2021	14/05/2022	20/07/2022	French	PDF
Micro model	31/12/2020	08/05/2021	01/07/2021	French	PDF
Micro modelCorrection	31/12/2019	09/05/2020	20/07/2020	French	PDF
Micro model	31/12/2019	09/05/2020	22/06/2020	French	PDF
Micro model	31/12/2018	11/05/2019	27/06/2019	French	PDF
Micro model	31/12/2017	12/05/2018	11/06/2018	French	PDF
Abridged model	31/12/2016	13/05/2017	23/08/2017	French	PDF
Abridged model	31/12/2015	14/06/2016	04/08/2016	French	PDF
Abridged model	31/12/2014	09/06/2015	27/08/2015	French	PDF
Abridged model	31/12/2013	10/06/2014	14/08/2014	French	PDF
Abridged model	31/12/2012	11/06/2013	27/06/2013	French	PDF
Abridged model	31/12/2011	12/06/2012	29/08/2012	French	PDF
Abridged model	31/12/2010	14/06/2011	18/08/2011	French	PDF
Abridged model	31/12/2009	08/06/2010	12/08/2010	French	PDF
Abridged model	31/12/2008	09/06/2009	26/08/2009	French	PDF
Abridged model	31/12/2007	10/06/2008	31/07/2008	French	PDF
Abridged model	31/12/2006	12/06/2007	31/08/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 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.

Board of directors

Source · NBB, accounts to 31/12/2025

2 active · 5 ended

Active mandates

Françoise HAYOIT

Director · since 28 décembre 2023 · until 28 décembre 2029

Active

Philippe HAYOIT

Administrator - manager · since 28 décembre 2023 · until 28 décembre 2029

Active

Ended mandates

Françoise HAYOIT

Director · since 05 mars 2017 · until 13 mai 2023

Ended

Philippe HAYOIT

Administrator - manager · since 05 mars 2017 · until 13 mai 2023

Ended

Françoise HAYOIT

Director

Ended

Louise-Marguerite LHOST

Director

Ended

Ownership and network

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Try for 7 days

Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates02/01/2024
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Capital / shares11/06/2018
CAPITAL, ACTIONS
PDF
Mandates10/01/2018
DEMISSIONS, NOMINATIONS
PDF
Mandates29/12/2017
DEMISSIONS, NOMINATIONS
PDF
Capital / shares28/01/2014
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates25/03/2011
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates30/08/2004
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 2025134 k €↑
2024
Annual accounts 2024123,6 k €↑
2023
Annual accounts 2023111,7 k €↑
2022
Annual accounts 202292 k €↓
2022
Name changeHAYOIT ET ASSURANCE ET PRETS
2021
Annual accounts 202197,2 k €↑
2021
Name changeHAYOIT ASSURANCES ET PRETS
2020
Annual accounts 202089,6 k €↓
2019
Annual accounts 2019406,2 k €↑
2018
Annual accounts 201871,1 k €↑
2017
Annual accounts 201762,4 k €↑
2016
Annual accounts 201655,1 k €↓
2015
Annual accounts 201586,3 k €↓
2014
Annual accounts 201490,9 k €↓
2013
Annual accounts 2013114,1 k €↑
2012
Annual accounts 201244 k €↓
2011
Annual accounts 2011101,5 k €↓
2010
Annual accounts 2010131,6 k €↓
2009
Annual accounts 2009132,5 k €↑
2008
Annual accounts 200889,3 k €
06/11/1992
IncorporationPublic limited company

HAYOIT ASSURANCES ET PRETS

Overview

Identity

Financials

Valuation

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

Timeline