ACTIVE

PROMISIA FINANCES

Financial year 2025 · Closed on 31/12/2025

Net result269,5 k €+1 109,8 %over 1 year

Gross margin294,7 k €+215,7 %over 1 year

Equity261,7 k €+3 442,9 %over 1 year

Identity

Source · BCE/KBO

PROMISIA FINANCES is a Public limited company incorporated in 1993. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Malmedy.

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0449.442.768
Incorporation: 17/02/1993
Legal form: Public limited company
Registered office: Avenue des Alliés 82a
4960 Malmedy · WallonieSee on map
Contributed capital: 115 818,52 €
Latest accounts: 31/12/2025

Activities (NACE)

66199Other activities auxiliary to financial services, except insurance and pension funding· main 66199Other activities auxiliary to financial services, except insurance and pension funding 67130Autres auxiliaires financiers

Joint committees (3)

Contacts

1 public detail availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 22 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	294,7 k €	+216%	93,3 k €	-39.5%	154,4 k €	-10.6%	172,7 k €	+22.2%	141,4 k €
EBITDA	280,9 k €	+1554%	-19,3 k €	-119%	-8,8 k €	-415%	2,8 k €	+108%	-34,1 k €
Operating result	280,9 k €	+1246%	-24,5 k €	-29.0%	-19 k €	-158%	-7,4 k €	+83.5%	-44,7 k €
Net result	269,5 k €	+1110%	-26,7 k €	-33.3%	-20 k €	-118%	-9,2 k €	+80.5%	-47,2 k €
Balance sheet
Equity	261,7 k €	+3443%	-7,8 k €	-142%	18,9 k €	-51.5%	38,9 k €	-19.1%	48,1 k €
Total assets	262,9 k €	+156%	102,8 k €	-36.5%	161,9 k €	-27.3%	222,8 k €	+41.9%	157 k €
Cash	12,9 k €	-25.8%	17,3 k €	-52.4%	36,4 k €	+7.5%	33,9 k €	+133%	14,5 k €
Debts	1,2 k €	-98.9%	110,6 k €	-22.6%	143 k €	-22.2%	183,9 k €	+68.9%	108,9 k €
Other
Workforce	–		–		–		–		–

Valuation

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 21 ended

Active mandates

CAHAY-DENNE

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0659.698.285

Represented by Gilles CAHAY

Active

CAMA HOLDING

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0741.531.544

Represented by Carole MARECHAL

Active

MARE INVEST

Managing director · since 01 juillet 2007 · until 25 juin 2026 · 0890.005.979

Represented by Raymond MARECHAL

Active

Ended mandates

CAHAY-DENNE

Director · since 25 juin 2020 · until 25 juin 2026 · 0659.698.285

Represented by Gilles Cahay

Ended

CAMA HOLDING

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0741.531.544

Represented by Carole Marechal

Ended

Raymond MARECHAL

Director · since 15 décembre 2015

Ended

Carole MARECHAL

Director · since 01 janvier 2015

Ended

Other companies at this address

Avenue des Alliés 82a 4960 Malmedy

Company	CBE no.
PROMISIA ASSURANCES● Active	0420.178.858

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	04/08/2026	25/07/2025	10/07/2024	31/07/2023	25/07/2022	28/08/2021
General meeting	24/07/2026	27/06/2025	28/06/2024	30/06/2023	24/06/2022	25/06/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 22 filings

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	24/07/2026	04/08/2026	French	PDF
Micro model	31/12/2024	27/06/2025	25/07/2025	French	PDF
Micro model	31/12/2023	28/06/2024	10/07/2024	French	PDF
Micro model	31/12/2022	30/06/2023	31/07/2023	French	PDF
Micro model	31/12/2021	24/06/2022	25/07/2022	French	PDF
Micro model	31/12/2020	25/06/2021	28/08/2021	French	PDF
Micro model	31/12/2019	26/06/2020	30/06/2020	French	PDF
Micro model	31/12/2018	28/06/2019	31/07/2019	French	PDF
Micro model	31/12/2017	29/06/2018	11/07/2018	French	PDF
Micro model	31/12/2016	28/06/2017	11/07/2017	French	PDF
Abridged model	31/12/2015	30/08/2016	31/08/2016	French	PDF
Abridged modelCorrection	31/12/2014	27/07/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	30/06/2015	18/08/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	20/08/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	30/08/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	10/08/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	29/08/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	30/08/2010	French	PDF
Abridged modelCorrection	31/12/2008	30/06/2009	29/09/2009	French	PDF
Abridged model	31/12/2008	30/06/2009	31/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	20/08/2008	French	PDF
Abridged model	31/12/2006	12/06/2007	25/07/2007	French	PDF

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.

Board of directors

Source · NBB, accounts to 31/12/2025

3 active · 21 ended

Active mandates

CAHAY-DENNE

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0659.698.285

Represented by Gilles CAHAY

Active

CAMA HOLDING

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0741.531.544

Represented by Carole MARECHAL

Active

MARE INVEST

Managing director · since 01 juillet 2007 · until 25 juin 2026 · 0890.005.979

Represented by Raymond MARECHAL

Active

Ended mandates

CAHAY-DENNE

Director · since 25 juin 2020 · until 25 juin 2026 · 0659.698.285

Represented by Gilles Cahay

Ended

CAMA HOLDING

Managing director · since 25 juin 2020 · until 25 juin 2026 · 0741.531.544

Represented by Carole Marechal

Ended

Raymond MARECHAL

Director · since 15 décembre 2015

Ended

Carole MARECHAL

Director · since 01 janvier 2015

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Other31/01/2022
OBJET
PDF
Mandates02/07/2020
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Restructuring13/05/2020
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates11/02/2016
DEMISSIONS, NOMINATIONS
PDF
Capital / shares13/01/2015
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Restructuring13/01/2015
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring07/01/2015
DENOMINATION - OBJET - CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring12/11/2014
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
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 2025269,5 k €↑
2024
Annual accounts 2024-26,7 k €↓
2023
Annual accounts 2023-20 k €↓
2022
Annual accounts 2022-9,2 k €↑
2022
Name changePROMISIA FINANCES
2021
Annual accounts 2021-47,2 k €↑
2021
Name changePROMISIA BANQUE
2020
Annual accounts 2020-56,5 k €↑
2019
Annual accounts 2019-61 k €↓
2018
Annual accounts 201817 k €↑
2017
Annual accounts 2017-13,2 k €↓
2016
Annual accounts 201616,6 k €↑
2015
Annual accounts 2015-78,7 k €↓
2014
Annual accounts 2014-5,6 k €↓
2013
Annual accounts 2013136,6 k €↑
2012
Annual accounts 2012107,5 k €↓
2011
Annual accounts 2011124,8 k €↓
2010
Annual accounts 2010131,2 k €↑
2009
Annual accounts 200994,2 k €↑
2008
Annual accounts 200852,3 k €↑
2007
Annual accounts 200749,2 k €↓
2006
Annual accounts 2006138,9 k €
17/02/1993
IncorporationPublic limited company

PROMISIA FINANCES

Overview

Identity

Financials

Valuation

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

Timeline