ACTIVE

A+ ASSURANCES

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Financial year 2025 · closed on 31/12/2025

Net result

1,8 k €

+263.1% YoY

Gross margin

140,8 k €

+0.3% YoY

Equity

34,9 k €

+5.4% YoY

Workforce

3,0 ETP

0.0% YoY

What does A+ ASSURANCES do?

A+ ASSURANCES is a Private limited company incorporated in 1993. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Waterloo. It employs on average 3,0 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0451.829.364

Incorporation

29/12/1993

Legal form

Private limited company

Registered office

Drève Richelle 161 O box 107
1410 Waterloo · WallonieSee on map

Latest accounts

31/12/2025

Average workforce

3,0 ETP

Activities (NACE)

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

Signals

ProfitableSolid equityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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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	140,8 k €	+0.3%	140,4 k €	+18.5%	118,4 k €	+3.9%	113,9 k €	-1.4%	115,5 k €	+0.9%	114,5 k €	+0.4%	114 k €	+5.4%	108,2 k €	+11.0%	97,5 k €	-1.7%	99,2 k €	+1.9%	97,3 k €	-4.3%	101,7 k €	+19.6%	85 k €	-6.1%	90,6 k €	+20.6%	75,1 k €	-18.2%	91,8 k €	+3.1%	89 k €	+33.6%	66,6 k €	-13.1%	76,6 k €	+13.9%	67,3 k €
EBITDA	17,2 k €	+28.3%	13,4 k €	+18.7%	11,3 k €	-0.7%	11,4 k €	-4.9%	11,9 k €	-11.9%	13,5 k €	+102%	6,7 k €	+22.5%	5,5 k €	-26.1%	7,4 k €	-34.1%	11,2 k €	+78.5%	6,3 k €	-41.5%	10,8 k €	+129%	4,7 k €	-29.6%	6,7 k €	-80.4%	34,1 k €	-37.4%	54,5 k €	+44.6%	37,7 k €	+448%	6,9 k €	-43.6%	12,2 k €	-4.4%	12,7 k €
Operating result	4,7 k €	+4.3%	4,5 k €	+3.8%	4,3 k €	-15.3%	5,1 k €	+4.5%	4,9 k €	-24.7%	6,5 k €	+54.7%	4,2 k €	+2.9%	4,1 k €	-41.3%	6,9 k €	-29.4%	9,8 k €	+107%	4,8 k €	-40.8%	8 k €	+251%	2,3 k €	-54.4%	5 k €	-85.3%	34,1 k €	-36.3%	53,5 k €	+45.8%	36,7 k €	+2010%	1,7 k €	-54.9%	3,9 k €	+195%	-4 k €
Net result	1,8 k €	+263%	490 €	-4.1%	511 €	-61.3%	1,3 k €	+80.6%	731 €	-71.5%	2,6 k €	+112%	1,2 k €	-36.8%	1,9 k €	-24.3%	2,5 k €	-12.2%	2,9 k €	+153%	-5,5 k €	-1524%	384 €	+106%	-6,7 k €	-393%	2,3 k €	-93.1%	33,3 k €	-34.1%	50,4 k €	+45.6%	34,6 k €	+13865%	248 €	-83.6%	1,5 k €	+120%	-7,5 k €
Balance sheet
Equity	34,9 k €	+5.4%	33,2 k €	+1.5%	32,7 k €	-38.0%	52,6 k €	+2.6%	51,3 k €	+1.4%	50,6 k €	+5.3%	48 k €	+2.6%	46,8 k €	+4.3%	44,9 k €	+6.0%	42,4 k €	+7.3%	39,5 k €	-12.2%	45 k €	+0.9%	44,6 k €	-13.1%	51,3 k €	+4.7%	49 k €	+211%	15,8 k €	+2.8%	15,4 k €	+4.3%	14,7 k €	+1.7%	14,5 k €	+11.7%	13 k €
Total assets	79 k €	+44.5%	54,7 k €	-3.0%	56,4 k €	-36.0%	88,1 k €	-18.0%	107,4 k €	-24.1%	141,6 k €	+9.9%	128,8 k €	-9.0%	141,5 k €	-28.7%	198,6 k €	-30.8%	286,8 k €	-14.1%	334 k €	-13.4%	385,7 k €	+11.8%	345,1 k €	+7.5%	320,9 k €	+34.2%	239,2 k €	+34.0%	178,5 k €	+49.3%	119,5 k €	+44.0%	83 k €	+19.4%	69,5 k €	+4.5%	66,5 k €
Cash	9,1 k €	-11.1%	10,3 k €	-30.5%	14,8 k €	-33.4%	22,2 k €	+187%	7,7 k €	-44.6%	14 k €	+89.5%	7,4 k €	-22.6%	9,5 k €	+174%	3,5 k €	-58.2%	8,3 k €	+47.7%	5,6 k €	+873%	579,5 €	-93.5%	9 k €	+40.1%	6,4 k €	+34.1%	4,8 k €	+1505%	297 €	+436%	55,4 €	-94.6%	1 k €	-11.2%	1,1 k €	-72.0%	4,1 k €
Debts	44,1 k €	+105%	21,5 k €	-9.2%	23,7 k €	-33.2%	35,5 k €	-36.7%	56,1 k €	-38.4%	91 k €	+12.6%	80,8 k €	-14.7%	94,7 k €	-38.4%	153,7 k €	-37.1%	244,5 k €	-17.0%	294,5 k €	-13.6%	340,7 k €	+13.4%	300,5 k €	+11.5%	269,6 k €	+41.8%	190,2 k €	+16.9%	162,7 k €	+69.2%	96,2 k €	+40.9%	68,3 k €	+24.1%	55 k €	+2.7%	53,6 k €
Other
Workforce	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	0.0%	3,0 ETP	+7.1%	2,8 ETP	+7.7%	2,6 ETP	0.0%	2,6 ETP	0.0%	2,6 ETP	-13.3%	3,0 ETP	+20.0%	2,5 ETP	+31.6%	1,9 ETP	+26.7%	1,5 ETP	0.0%	1,5 ETP	0.0%	1,5 ETP	-6.3%	1,6 ETP	+14.3%	1,4 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 16 ended

Active mandates

Gilles Arnauts

Mandate

Active

Nathalie Drapier

Mandate

Active

Ended mandates

Didier Helleputte

Manager · since 01 janvier 2006

Ended

Gilles Arnauts

Manager · since 01 janvier 2006

Ended

AD FINANCES

Mandate · 0478.694.901

Ended

AD FINANCES

Manager · 0478.694.901

Represented by Gilles Arnauts

Ended

At this address

Other companies at this address

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ADEROOMS● Active	0729.638.255
Alexandre Orthodontie● Active	0688.565.287
BELSKAND● Active	0736.950.768
Bluebird Diamonds● Active	1006.546.234
EMERGYA MANAGEMENT● Active	0770.733.492
European Finance & Technologie Solutions● Active	1005.272.168
Falk & Ross Group Belgium● Active	0471.752.372
FINLIFE● Active	0480.666.375
HERPE & PARTNERS● Active	0845.273.143
LASNE FINANCE● Active	0870.847.291
LA TERRE EMOI● Active	0864.280.292
LVMA TAX CONSULTING● Active	0652.902.149
MANDALA● Active	0666.588.156
OCIT● Active	0810.758.860
Ô Mely● Active	0726.398.554
THE COTTON GROUP● Active	0440.097.116

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	04/08/2026	07/07/2025	10/07/2024	31/07/2023	14/07/2022	28/07/2021
General meeting	12/06/2026	13/06/2025	13/06/2024	15/06/2023	15/06/2022	15/06/2021
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

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	12/06/2026	04/08/2026	French	PDF
Abridged model	31/12/2024	13/06/2025	07/07/2025	French	PDF
Abridged model	31/12/2023	13/06/2024	10/07/2024	French	PDF
Abridged model	31/12/2022	15/06/2023	31/07/2023	French	PDF
Abridged model	31/12/2021	15/06/2022	14/07/2022	French	PDF
Abridged model	31/12/2020	15/06/2021	28/07/2021	French	PDF
Abridged model	31/12/2019	15/06/2020	30/07/2020	French	PDF
Abridged model	31/12/2018	20/06/2019	23/07/2019	French	PDF
Abridged model	31/12/2017	20/06/2018	18/07/2018	French	PDF
Abridged model	31/12/2016	20/06/2017	19/07/2017	French	PDF
Abridged model	31/12/2015	20/06/2016	26/07/2016	French	PDF
Abridged model	31/12/2014	19/06/2015	19/07/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	16/10/2014	French	PDF
Abridged model	31/12/2012	28/06/2013	25/07/2013	French	PDF
Abridged model	31/12/2011	30/06/2012	27/08/2012	French	PDF
Abridged model	31/12/2010	30/06/2011	01/08/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	31/08/2010	French	PDF
Abridged model	31/12/2008	30/06/2009	17/07/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	18/07/2008	French	PDF
Abridged model	31/12/2006	30/06/2007	27/09/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 k€

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 · 16 ended

Active mandates

Gilles Arnauts

Mandate

Active

Nathalie Drapier

Mandate

Active

Ended mandates

Didier Helleputte

Manager · since 01 janvier 2006

Ended

Gilles Arnauts

Manager · since 01 janvier 2006

Ended

AD FINANCES

Mandate · 0478.694.901

Ended

AD FINANCES

Manager · 0478.694.901

Represented by Gilles Arnauts

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates21/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - ANNEE COMPTABLE
PDF
Mandates09/07/2012
DENOMINATION - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates22/10/2010
DEMISSIONS, NOMINATIONS
PDF
Registered office26/08/2008
SIEGE SOCIAL
PDF
Mandates26/08/2008
DEMISSIONS, NOMINATIONS
PDF
Mandates23/11/2007
DEMISSIONS, NOMINATIONS
PDF
Other02/01/2007
DIVERS
PDF
Mandates12/10/2006
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 20251,8 k €↑
2024
Annual accounts 2024490 €↓
2023
Annual accounts 2023511 €↓
2022
Annual accounts 20221,3 k €↑
2021
Annual accounts 2021731 €↓
2020
Annual accounts 20202,6 k €↑
2019
Annual accounts 20191,2 k €↓
2018
Annual accounts 20181,9 k €↓
2017
Annual accounts 20172,5 k €↓
2016
Annual accounts 20162,9 k €↑
2015
Annual accounts 2015-5,5 k €↓
2014
Annual accounts 2014384 €↑
2013
Annual accounts 2013-6,7 k €↓
2012
Annual accounts 20122,3 k €↓
2011
Annual accounts 201133,3 k €↓
2011
Name changeA+ ASSURANCES
2010
Annual accounts 201050,4 k €↑
2009
Annual accounts 200934,6 k €↑
2008
Annual accounts 2008248 €↓
2007
Annual accounts 20071,5 k €↑
2006
Annual accounts 2006-7,5 k €
2006
Name changeJACQUES RENAUD
29/12/1993
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

A+ ASSURANCES

Overview

What does A+ ASSURANCES 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