ACTIVE

CONSILO INSURANCE

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Financial year 2025 · closed on 31/12/2025

Net result

71,2 k €

-47.9% YoY

Gross margin

1,8 M €

+2.0% YoY

Equity

523,5 k €

+15.7% YoY

Workforce

20,2 ETP

+3.6% YoY

What does CONSILO INSURANCE do?

CONSILO INSURANCE is a Private limited company incorporated in 1997. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Malle. It employs on average 20,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0460.653.790

Incorporation

13/05/1997

Legal form

Private limited company

Registered office

Zwaluwenlaan 2 box 1
2390 Malle · FlandreSee on map

Contributed capital

30 000,00 €

Latest accounts

31/12/2025

Average workforce

20,2 ETP

Activities (NACE)

66191Other activities auxiliary to financial services, except insurance and pension funding· main 66191Other activities auxiliary to financial services, except insurance and pension funding 66220Activities of insurance agents and brokers 66220Activities of insurance agents and brokers

Joint committees (2)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,8 M €	+2.0%	1,8 M €	+12.1%	1,6 M €	+28.3%	1,2 M €	-6.7%	1,3 M €	+23.2%	1,1 M €	+35.3%	787,4 k €	+40.1%	561,9 k €	+10.7%	507,4 k €	+59.8%	317,6 k €	+546%	49,1 k €	-5.1%	51,8 k €	+45.4%	35,6 k €	+11.8%	31,8 k €	-28.7%	44,6 k €	+8.5%	41,1 k €	-48.5%	79,8 k €	-37.2%	127 k €	+70.4%	74,6 k €
EBITDA	529,9 k €	-6.6%	567,4 k €	+24.5%	455,8 k €	+14.9%	396,8 k €	-40.6%	667,6 k €	+41.1%	473 k €	+16.3%	406,8 k €	+71.7%	236,9 k €	+14.5%	207 k €	+46.2%	141,6 k €	+254%	40 k €	-20.7%	50,4 k €	+46.5%	34,4 k €	+84.5%	18,6 k €	-11.9%	21,2 k €	-21.9%	27,1 k €	-43.0%	47,5 k €	-51.7%	98,4 k €	+102%	48,7 k €
Operating result	184,9 k €	-16.7%	221,9 k €	+65.2%	134,3 k €	-4.5%	140,6 k €	-67.6%	433,7 k €	+90.8%	227,3 k €	-15.6%	269,2 k €	+115%	125 k €	+26.5%	98,8 k €	+38.5%	71,4 k €	+220%	22,3 k €	-29.7%	31,7 k €	+104%	15,5 k €	+2017%	734 €	-77.9%	3,3 k €	-85.2%	22,4 k €	-42.4%	38,9 k €	-54.5%	85,6 k €	+169%	31,8 k €
Net result	71,2 k €	-47.9%	136,7 k €	+127%	60,3 k €	-26.1%	81,6 k €	-80.4%	416,3 k €	+203%	137,4 k €	-43.0%	240,8 k €	+81.3%	132,8 k €	+79.6%	73,9 k €	+49.7%	49,4 k €	+172%	18,2 k €	-30.5%	26,2 k €	+91.6%	13,7 k €	+1256%	1 k €	-69.6%	3,3 k €	-71.0%	11,4 k €	-61.6%	29,8 k €	-53.2%	63,6 k €	+202%	21 k €
Balance sheet
Equity	523,5 k €	+15.7%	452,3 k €	+0.4%	450,6 k €	-23.7%	590,3 k €	-17.1%	711,7 k €	+141%	295,4 k €	+86.9%	158,1 k €	+0.5%	157,3 k €	+5.9%	148,5 k €	+21.0%	122,8 k €	-56.6%	282,9 k €	+6.9%	264,7 k €	+8.7%	243,5 k €	+3.7%	234,9 k €	+0.4%	233,9 k €	+1.4%	230,5 k €	+5.2%	219,1 k €	+15.7%	189,4 k €	+47.7%	128,2 k €
Total assets	2,1 M €	-6.3%	2,3 M €	-12.3%	2,6 M €	+20.4%	2,2 M €	-4.6%	2,3 M €	-5.1%	2,4 M €	-3.4%	2,5 M €	+102%	1,2 M €	-3.2%	1,3 M €	+21.6%	1 M €	+235%	310,7 k €	+5.9%	293,3 k €	+12.1%	261,7 k €	+10.2%	237,5 k €	-1.6%	241,2 k €	-6.3%	257,6 k €	+10.8%	232,5 k €	+2.8%	226,1 k €	+0.7%	224,6 k €
Cash	51,1 k €	+121%	23,1 k €	-73.9%	88,4 k €	+257%	24,8 k €	-92.9%	349,8 k €	+431%	65,9 k €	+140%	27,5 k €	-43.8%	48,9 k €	+88.6%	25,9 k €	-4.9%	27,2 k €	-69.5%	89,3 k €	-3.0%	92,1 k €	+119%	41,9 k €	-26.8%	57,3 k €	-3.3%	59,3 k €	-72.4%	214,4 k €	+303%	53,2 k €	+26.8%	42 k €	+20.4%	34,9 k €
Debts	1,6 M €	-11.8%	1,8 M €	-14.9%	2,2 M €	+36.9%	1,6 M €	+1.2%	1,6 M €	-25.8%	2,1 M €	-9.6%	2,3 M €	+117%	1,1 M €	-4.4%	1,1 M €	+22.2%	912,3 k €	+3181%	27,8 k €	-2.9%	28,6 k €	+57.4%	18,2 k €	+595%	2,6 k €	-64.5%	7,4 k €	-72.2%	26,5 k €	+98.3%	13,4 k €	-63.7%	36,8 k €	-59.4%	90,4 k €
Other
Workforce	20,2 ETP	+3.6%	19,5 ETP	+12.1%	17,4 ETP	+11.5%	15,6 ETP	+21.9%	12,8 ETP	+13.3%	11,3 ETP	+54.8%	7,3 ETP	+19.7%	6,1 ETP	+7.0%	5,7 ETP		–		0,5 ETP		–		–		0,2 ETP	-50.0%	0,4 ETP	0.0%	0,4 ETP	-60.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 12 ended

Active mandates

FINTOP

Mandate · 0822.365.703

Represented by Willem Asselberg

Active

Ended mandates

FINTOP

Manager · since 24 mars 2016 · 0822.365.703

Represented by Wim Asselberg

Ended

FINTOP

Director · since 24 mars 2016 · 0822.365.703

Represented by Wim Asselberg

Ended

WARANDE INVEST BV

Director · since 24 mars 2016 · until 16 juin 2021 · 0820.976.623

Represented by Leo Peeters

Ended

WARANDE INVEST BV

Director · since 24 mars 2016 · 0820.976.623

Represented by Leo Peeters

Ended

At this address

Other companies at this address

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OperaSana International● Active	1021.552.431

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	31/08/2026	18/08/2025	26/07/2024	25/08/2023	09/02/2022	17/06/2021
General meeting	30/06/2026	30/06/2025	30/06/2024	30/06/2023	08/02/2022	07/06/2021
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	30/06/2026	31/08/2026	Dutch	PDF
Abridged model	31/12/2024	30/06/2025	18/08/2025	Dutch	PDF
Abridged model	31/12/2023	30/06/2024	26/07/2024	Dutch	PDF
Abridged model	31/12/2022	30/06/2023	25/08/2023	Dutch	PDF
Abridged model	31/12/2021	08/02/2022	09/02/2022	Dutch	PDF
Abridged model	31/12/2020	07/06/2021	17/06/2021	Dutch	PDF
Abridged model	31/12/2019	22/06/2020	31/08/2020	Dutch	PDF
Abridged model	31/12/2018	28/06/2019	28/06/2019	Dutch	PDF
Abridged model	31/12/2017	29/06/2018	10/07/2018	Dutch	PDF
Micro model	31/12/2016	28/07/2017	29/07/2017	Dutch	PDF
Abridged model	31/12/2015	30/06/2016	01/08/2016	Dutch	PDF
Abridged model	31/12/2014	07/05/2015	19/08/2015	Dutch	PDF
Abridged model	31/12/2013	02/05/2014	27/08/2014	Dutch	PDF
Abridged model	31/12/2012	02/05/2013	27/08/2013	Dutch	PDF
Abridged model	31/12/2011	03/05/2012	27/08/2012	Dutch	PDF
Abridged model	31/12/2010	05/05/2011	29/08/2011	Dutch	PDF
Abridged model	31/12/2009	06/05/2010	30/08/2010	Dutch	PDF
Abridged model	31/12/2008	07/05/2009	27/08/2009	Dutch	PDF
Abridged model	31/12/2007	30/05/2008	26/09/2008	Dutch	PDF
Abridged model	31/12/2006	25/05/2007	11/07/2007	Dutch	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 12 ended

Active mandates

FINTOP

Mandate · 0822.365.703

Represented by Willem Asselberg

Active

Ended mandates

FINTOP

Manager · since 24 mars 2016 · 0822.365.703

Represented by Wim Asselberg

Ended

FINTOP

Director · since 24 mars 2016 · 0822.365.703

Represented by Wim Asselberg

Ended

WARANDE INVEST BV

Director · since 24 mars 2016 · until 16 juin 2021 · 0820.976.623

Represented by Leo Peeters

Ended

WARANDE INVEST BV

Director · since 24 mars 2016 · 0820.976.623

Represented by Leo Peeters

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates29/12/2025
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - BENAMING - ONTSLAGEN - BENOEMINGEN
PDF
Mandates18/10/2021
ONTSLAGEN - BENOEMINGEN
PDF
Registered office15/03/2017
MAATSCHAPPELIJKE ZETEL
PDF
Restructuring15/04/2016
BENAMING - ONTSLAGEN - BENOEMINGEN - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring10/02/2016
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Registered office07/03/2011
MAATSCHAPPELIJKE ZETEL
PDF
Mandates01/07/2010
ONTSLAGEN - BENOEMINGEN
PDF
Mandates31/03/2010
BENAMING - ONTSLAGEN - BENOEMINGEN
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 202571,2 k €↓
2024
Annual accounts 2024136,7 k €↑
2023
Annual accounts 202360,3 k €↓
2022
Annual accounts 202281,6 k €↓
2021
Annual accounts 2021416,3 k €↑
2020
Annual accounts 2020137,4 k €↓
2019
Annual accounts 2019240,8 k €↑
2018
Annual accounts 2018132,8 k €↑
2017
Annual accounts 201773,9 k €↑
2016
Annual accounts 201649,4 k €↑
2014
Annual accounts 201418,2 k €↓
2013
Annual accounts 201326,2 k €↑
2012
Annual accounts 201213,7 k €↑
2011
Annual accounts 20111 k €↓
2010
Annual accounts 20103,3 k €↓
2009
Annual accounts 200911,4 k €↓
2008
Annual accounts 200829,8 k €↓
2007
Annual accounts 200763,6 k €↑
2006
Annual accounts 200621 k €
13/05/1997
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

CONSILO INSURANCE

Overview

What does CONSILO INSURANCE do?

Trend over 19 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