ACTIVE

WAVRE FINANCE

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Financial year 2025 · Closed on 31/12/2025

Net result108,1 k €-29,4 %over 1 year

Gross margin342 k €-6,4 %over 1 year

Equity156,1 k €+0,1 %over 1 year

Workforce2,0 ETP-100,0 %over 1 year

Identity

Source · BCE/KBO

WAVRE FINANCE is a Public limited company incorporated in 1994. Its main activity is: Life insurance. Its registered office is in Wavre. It employs on average 2,0 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0453.169.350
Incorporation: 15/07/1994
Legal form: Public limited company
Registered office: Rue de Nivelles 27
1300 Wavre · WallonieSee on map
Contributed capital: 62 000,00 €
Latest accounts: 31/12/2025
Average workforce: 2,0 ETP

Activities (NACE)

65112Life insurance· main 65112Life insurance 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers 65122Non-life insurance 65122Non-life insurance

Joint committees (5)

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	342 k €	-6.4%	365,3 k €	-2.8%	375,7 k €	+3.5%	362,9 k €	+7.5%	337,4 k €
EBITDA	164,1 k €	-20.2%	205,6 k €	-12.7%	235,5 k €	-5.8%	249,9 k €	+6.2%	235,3 k €
Operating result	113,7 k €	-29.1%	160,3 k €	-16.3%	191,4 k €	-9.3%	211 k €	+8.8%	193,9 k €
Net result	108,1 k €	-29.4%	153 k €	-17.4%	185,3 k €	-10.7%	207,4 k €	+9.3%	189,7 k €
Balance sheet
Equity	156,1 k €	+0.1%	156 k €	+0.0%	156 k €	+0.2%	155,7 k €	+5.0%	148,3 k €
Total assets	411,7 k €	+1.5%	405,6 k €	+5.1%	386,1 k €	-11.6%	436,8 k €	+11.4%	392,3 k €
Cash	147,4 k €	-10.5%	164,7 k €	+101%	82,1 k €	-40.4%	137,7 k €	+293%	35 k €
Debts	255,5 k €	+3.2%	247,6 k €	+7.6%	230,1 k €	-18.1%	281,1 k €	+15.2%	243,9 k €
Other
Workforce	2,0 ETP	-100.0%	155 080,0 ETP	+14.6%	135 347,1 ETP	+29.8%	104 268,6 ETP	+7.6%	96 943,6 ETP

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

1 active · 14 ended

Active mandates

BELLEMAX

Director · since 19 avril 2013 · 0526.933.296

Represented by EMMANUEL BELLEMANS

Active

Ended mandates

Albert d' OULTREMONT

Director · since 07 mai 2004 · until 06 mai 2007

Ended

Emmanuel BELLEMANS

Managing director · since 07 mai 2004 · until 06 mai 2007

Ended

ALBERT D'OULTREMONT

Director

Ended

BELLEMAX

Managing director · 0526.933.296

Ended

Other companies at this address

Rue de Nivelles 27 1300 Wavre

Company	CBE no.
NHN● Active	0744.787.180
Wavre Jodoigne Finance● Active	0715.686.388

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged 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	31/08/2026	31/07/2025	24/07/2024	30/08/2023	16/08/2022	31/08/2021
General meeting	01/06/2026	03/06/2025	03/06/2024	05/06/2023	06/06/2022	01/06/2021
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, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	01/06/2026	31/08/2026	French	PDF
Abridged model	31/12/2024	03/06/2025	31/07/2025	French	PDF
Abridged model	31/12/2023	03/06/2024	24/07/2024	French	PDF
Abridged model	31/12/2022	05/06/2023	30/08/2023	French	PDF
Abridged model	31/12/2021	06/06/2022	16/08/2022	French	PDF
Micro model	31/12/2020	01/06/2021	31/08/2021	French	PDF
Micro model	31/12/2019	01/06/2020	21/08/2020	French	PDF
Micro model	31/12/2018	03/06/2019	29/08/2019	French	PDF
Micro model	31/12/2017	04/06/2018	31/08/2018	French	PDF
Abridged model	31/12/2016	05/06/2017	24/08/2017	French	PDF
Abridged model	31/12/2015	06/06/2016	29/08/2016	French	PDF
Abridged model	31/12/2014	01/06/2015	25/08/2015	French	PDF
Abridged model	31/12/2013	02/06/2014	18/08/2014	French	PDF
Abridged model	31/12/2012	03/06/2013	28/08/2013	French	PDF
Abridged model	31/12/2011	04/06/2012	28/08/2012	French	PDF
Abridged model	31/12/2010	06/06/2011	25/08/2011	French	PDF
Abridged model	31/12/2009	07/05/2010	29/10/2010	French	PDF
Abridged model	31/12/2008	02/05/2009	01/02/2010	French	PDF
Abridged model	31/12/2007	02/05/2008	31/10/2008	French	PDF
Abridged model	31/12/2006	04/05/2007	31/10/2007	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

1 active · 14 ended

Active mandates

BELLEMAX

Director · since 19 avril 2013 · 0526.933.296

Represented by EMMANUEL BELLEMANS

Active

Ended mandates

Albert d' OULTREMONT

Director · since 07 mai 2004 · until 06 mai 2007

Ended

Emmanuel BELLEMANS

Managing director · since 07 mai 2004 · until 06 mai 2007

Ended

ALBERT D'OULTREMONT

Director

Ended

BELLEMAX

Managing director · 0526.933.296

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates23/02/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates27/09/2018
DEMISSIONS, NOMINATIONS
PDF
Mandates21/04/2016
DEMISSIONS, NOMINATIONS
PDF
Mandates05/12/2014
DEMISSIONS, NOMINATIONS
PDF
Mandates20/06/2014
DEMISSIONS, NOMINATIONS
PDF
Mandates22/04/2014
DEMISSIONS, NOMINATIONS
PDF
Mandates26/08/2013
DEMISSIONS, NOMINATIONS
PDF
Mandates25/03/2013
DEMISSIONS, NOMINATIONS
PDF

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

See the Business plan

Timeline

2025
Annual accounts 2025108,1 k €↓
2024
Annual accounts 2024153 k €↓
2023
Annual accounts 2023185,3 k €↓
2022
Annual accounts 2022207,4 k €↑
2021
Annual accounts 2021189,7 k €↑
2020
Annual accounts 202088,8 k €↑
2019
Annual accounts 20191,1 k €↓
2018
Annual accounts 20189,1 k €↓
2017
Annual accounts 201711 k €↓
2016
Annual accounts 201627,1 k €↑
2015
Annual accounts 201522,9 k €↓
2014
Annual accounts 201432 k €↓
2013
Annual accounts 201350,7 k €↓
2012
Annual accounts 2012119,9 k €↑
2011
Annual accounts 201142,8 k €↑
2010
Annual accounts 201012,7 k €↑
2009
Annual accounts 2009-11,9 k €↓
2008
Annual accounts 200861,8 k €↑
2007
Annual accounts 2007-3,6 k €↓
2006
Annual accounts 200625,7 k €
15/07/1994
IncorporationPublic limited company

WAVRE FINANCE

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