SOCIETE DE CONSEILS FINANCIERS, D'ASSURANCES ET DE CREDITS
0456.640.267 · rovalta.com · 27/09/2026
ACTIVE
SOCIETE DE CONSEILS FINANCIERS, D'ASSURANCES ET DE CREDITS
Financial year 2025 · Closed on 31/12/2025
Net result456 k €+14,5 %over 1 year
Gross margin1 M €+10,5 %over 1 year
Equity169,3 k €+3,7 %over 1 year
Workforce5,3 ETP+10,4 %over 1 year
Overview
Identity
Source · BCE/KBOSOCIETE DE CONSEILS FINANCIERS, D'ASSURANCES ET DE CREDITS is a Private limited company incorporated in 1995. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Braine-l'Alleud. It employs on average 5,3 ETP workers (FTE).
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0456.640.267
- Incorporation
- 08/12/1995
- Legal form
- Private limited company
- Registered office
- Chaussée Bara 104 box 1
1420 Braine-l'Alleud · WallonieSee on map - Contributed capital
- 6 817,06 €
- Latest accounts
- 31/12/2025
- Average workforce
- 5,3 ETP
Activities (NACE)
Signals
ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Financials
Source · NBB, 20 filingsTrend over 19 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | 1 M € | +10.5% | 923,3 k € | +21.5% | 759,7 k € | +20.3% | 631,5 k € | +18.9% | 531,2 k € |
| EBITDA | 654,2 k € | +14.7% | 570,6 k € | +21.3% | 470,2 k € | +17.3% | 400,8 k € | +26.1% | 318 k € |
| Operating result | 618,2 k € | +14.3% | 540,6 k € | +20.4% | 449 k € | +19.9% | 374,6 k € | +26.3% | 296,6 k € |
| Net result | 456 k € | +14.5% | 398,2 k € | +20.4% | 330,8 k € | +21.0% | 273,4 k € | +26.6% | 216,1 k € |
| Balance sheet | |||||||||
| Equity | 169,3 k € | +3.7% | 163,3 k € | +91.9% | 85,1 k € | +56.6% | 54,3 k € | +32.9% | 40,9 k € |
| Total assets | 797,6 k € | +26.3% | 631,7 k € | +8.2% | 583,7 k € | +39.0% | 420,1 k € | +3.6% | 405,4 k € |
| Cash | 582,9 k € | +40.0% | 416,5 k € | +9.0% | 382,1 k € | +44.7% | 264,1 k € | -13.5% | 305,4 k € |
| Debts | 627,6 k € | +34.1% | 468,1 k € | -5.9% | 497,6 k € | +36.4% | 364,9 k € | +0.6% | 362,8 k € |
| Other | |||||||||
| Workforce | 5,3 ETP | +10.4% | 4,8 ETP | 0.0% | 4,8 ETP | +20.0% | 4,0 ETP | +5.3% | 3,8 ETP |
Valuation
Indicative valuation
As an indication, this company is worth
between 2,5 M€ and 5 M€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/20252 active · 14 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Director | since 01/06/2017 | ||
PIERRE COLARD | Director | since 28/12/1995 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Manager | since 01/06/2017 | ||
PIERRE COLARD | Manager | 01/01/2015 → 31/12/2015 | |
SEBASTIEN COLARD | Manager | 01/01/2015 → 31/12/2015 | 000 |
PIERRE COLARD | Manager | 01/01/2014 → 31/12/2014 |
Other companies at this address
Chaussée Bara 104 1420 Braine-l'Alleud| Company | CBE no. |
|---|---|
| 0807.613.882 |
Financials
Full financial information
Source · NBB| 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 | 27/03/2026 | 25/04/2025 | 15/04/2024 | 27/04/2023 | 30/06/2022 | 01/07/2021 |
| General meeting | 24/03/2026 | 08/04/2025 | 09/04/2024 | 11/04/2023 | 12/04/2022 | 13/04/2021 |
| 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 · NBBLooking for more information about this company?
Try for freeAnnual accounts filings
Source · NBB, 20 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 24/03/2026 | 27/03/2026 | French | |
| Abridged model | 31/12/2024 | 08/04/2025 | 25/04/2025 | French | |
| Abridged model | 31/12/2023 | 09/04/2024 | 15/04/2024 | French | |
| Abridged model | 31/12/2022 | 11/04/2023 | 27/04/2023 | French | |
| Abridged model | 31/12/2021 | 12/04/2022 | 30/06/2022 | French | |
| Abridged model | 31/12/2020 | 13/04/2021 | 01/07/2021 | French | |
| Abridged model | 31/12/2019 | 14/04/2020 | 06/07/2020 | French | |
| Abridged model | 31/12/2018 | 09/04/2019 | 02/07/2019 | French | |
| Abridged model | 31/12/2017 | 10/04/2018 | 26/07/2018 | French | |
| Abridged model | 31/12/2016 | 15/06/2017 | 20/07/2017 | French | |
| Abridged model | 31/12/2015 | 12/04/2016 | 20/07/2016 | French | |
| Abridged model | 31/12/2014 | 14/04/2015 | 30/06/2015 | French | |
| Abridged model | 31/12/2013 | 08/04/2014 | 30/06/2014 | French | |
| Abridged model | 31/12/2012 | 09/04/2013 | 27/06/2013 | French | |
| Abridged model | 31/12/2011 | 10/04/2012 | 25/07/2012 | French | |
| Abridged model | 31/12/2010 | 30/06/2011 | 26/07/2011 | French | |
| Abridged model | 31/12/2009 | 13/04/2010 | 05/08/2010 | French | |
| Abridged model | 31/12/2008 | 30/06/2009 | 26/08/2009 | French | |
| Abridged model | 31/12/2007 | 30/06/2008 | 27/08/2008 | French | |
| Abridged model | 31/12/2006 | 23/05/2007 | 30/07/2007 | French |
Valuation
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 2,5 M€ and 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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Board of directors
Source · NBB, accounts to 31/12/20252 active · 14 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Director | since 01/06/2017 | ||
PIERRE COLARD | Director | since 28/12/1995 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Manager | since 01/06/2017 | ||
PIERRE COLARD | Manager | 01/01/2015 → 31/12/2015 | |
SEBASTIEN COLARD | Manager | 01/01/2015 → 31/12/2015 | 000 |
PIERRE COLARD | Manager | 01/01/2014 → 31/12/2014 |
Ownership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Registered office03/10/2023SIEGE SOCIAL - MODIFICATION FORME JURIDIQUE
- Mandates30/06/2017DEMISSIONS, NOMINATIONS
- Restructuring16/06/2011DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
- Restructuring20/04/2011RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
- Mandates24/06/2008DENOMINATION - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
- Mandates07/12/2005CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025456 k €↑
- 2024Annual accounts 2024398,2 k €↑
- 2023Annual accounts 2023330,8 k €↑
- 2022Annual accounts 2022273,4 k €↑
- 2021Annual accounts 2021216,1 k €↑
- 2020Annual accounts 2020188,2 k €↑
- 2019Annual accounts 2019157,8 k €↑
- 2018Annual accounts 2018156,4 k €↑
- 2017Annual accounts 2017104,1 k €↑
- 2016Annual accounts 2016103,3 k €↑
- 2015Annual accounts 2015102,1 k €↓
- 2014Annual accounts 2014116,6 k €↑
- 2013Annual accounts 201371,4 k €↓
- 2012Annual accounts 201282,5 k €↑
- 2011Annual accounts 201122,3 k €↑
- 2010Annual accounts 201010,3 k €↑
- 2009Annual accounts 2009-24,1 k €↑
- 2008Annual accounts 2008-70,5 k €↓
- 2007Annual accounts 200761,5 k €
- 08/12/1995IncorporationPrivate limited company
Registered offices
Source · NBB annual accounts, CBE| Registered address | Period | Source |
|---|---|---|
| Chaussée Bara 104 bte 1, 1420 Braine-l'AlleudCurrent | accounts 2023 → 2025 · CBE, tracked since 27/09/2026 | Accounts 2025 · 2026-00064153 |
| Avenue du Mont Marcure 31, 1420 Braine-l'Alleud | accounts 2021 → 2022 | Accounts 2022 · 2023-00068401 |
Annual accounts date a value by the financial year it appears in. The CBE dates a change to the day, but its history has only been kept since 27/09/2026.