Agent de banque et d'assurances Liège Cité Ardente
0462.372.967 · rovalta.com · 27/09/2026
ACTIVE
Agent de banque et d'assurances Liège Cité Ardente
Financial year 2025 · Closed on 31/12/2025
Net result1,5 M €+35,0 %over 1 year
Gross margin6,4 M €+8,5 %over 1 year
Equity1 M €+3,7 %over 1 year
Workforce53,5 ETP-0,6 %over 1 year
Overview
Identity
Source · BCE/KBOAgent de banque et d'assurances Liège Cité Ardente is a Limited partnership incorporated in 1998. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Ans. It employs on average 53,5 ETP workers (FTE).
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0462.372.967
- Incorporation
- 08/01/1998
- Legal form
- Limited partnership
- Registered office
- Chaussée du Roi Albert 50
4431 Ans · WallonieSee on map - Contributed capital
- 77 000,00 €
- Latest accounts
- 31/12/2025
- Average workforce
- 53,5 ETP
Activities (NACE)
Joint committees (3)
- 100
- 218
- 341
Signals
ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Financials
Source · NBB, 18 filingsTrend over 18 financial years
| 2025 | 2024 | 2023 | 2022 | 2019 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | 6,4 M € | +8.5% | 5,9 M € | +11.3% | 5,3 M € | -5.5% | 5,6 M € | +172% | 2,1 M € |
| EBITDA | 2,5 M € | +27.4% | 2 M € | +19.6% | 1,6 M € | -5.0% | 1,7 M € | +114% | 801,9 k € |
| Operating result | 2,2 M € | +33.0% | 1,7 M € | +18.4% | 1,4 M € | -11.5% | 1,6 M € | +110% | 749,7 k € |
| Net result | 1,5 M € | +35.0% | 1,1 M € | +22.4% | 934,6 k € | -14.7% | 1,1 M € | +118% | 503,1 k € |
| Balance sheet | |||||||||
| Equity | 1 M € | +3.7% | 1 M € | -8.0% | 1,1 M € | +11.2% | 988,3 k € | +150% | 396 k € |
| Total assets | 3,7 M € | +1.8% | 3,7 M € | -7.8% | 4 M € | +21.6% | 3,3 M € | +181% | 1,2 M € |
| Cash | 878,8 k € | +222% | 272,5 k € | -32.4% | 402,8 k € | +93.3% | 208,4 k € | -36.8% | 329,8 k € |
| Debts | 2,7 M € | +12.3% | 2,4 M € | -8.9% | 2,6 M € | +24.0% | 2,1 M € | +175% | 768,4 k € |
| Other | |||||||||
| Workforce | 53,5 ETP | -0.6% | 53,8 ETP | +6.3% | 50,6 ETP | -11.7% | 57,3 ETP | +158% | 22,2 ETP |
Valuation
Indicative valuation
As an indication, this company is worth
between 10 M€ and 25 M€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/202516 active · 37 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
GRAZIELLA LAURENT | Director | since 01/01/2026 | 000 |
SEBASTIEN HABAY | Director | since 01/04/2023 | |
AURORE LAHAYE | Director | since 01/10/2022 | |
BENJAMIN CIPRIANO FLORES | Director | since 01/10/2022 | |
CARMELA LOMONACO | Director | since 01/10/2022 | |
LUC PINCHARD | Director | since 01/10/2022 | |
ALAIN SYNE | Director | since 01/01/2022 | 000 |
EMMANUEL JENNES | Director | since 01/01/2022 | |
ERIC MARECHAL | Director | since 01/01/2022 | 000 |
ETIENNE CHRETIEN | Director | since 01/01/2022 | 000 |
FREDERIC LEBRUN | Director | since 01/01/2022 | 000 |
NATHALIE VONAU | Director | since 01/01/2022 | 000 |
SEBASTIEN JACQUES | Director | since 01/01/2022 | 000 |
ALAIN FAGNAN - POLIS | Director | since 15/01/2019 | |
XAVIER MOORS | Director | since 01/10/2014 | 000 |
GREGORY JAVAUX | Director | since 01/07/2004 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
VIRGINIE BRONFORT | Director | 01/01/2022 → 31/01/2024 | 00 |
VIRGINIE BRONFORT | Director | since 01/01/2022 | 00 |
Alain FAGNAN POLIS | Director | since 15/01/2019 | 000 |
Alain FAGNAN POLIS | Manager | since 15/01/2019 | 000 |
Other companies at this address
Chaussée du Roi Albert 50 4431 Ans| Company | CBE no. |
|---|---|
TWINS HALL● Active | 0429.096.821 |
Financials
Full financial information
Source · NBB| 2025 | 2024 | 2023 | 2022 | 2019 | 2018 | |
|---|---|---|---|---|---|---|
| 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 | 01/01/2019 | 01/01/2018 |
| Closing of the financial year | 31/12/2025 | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2019 | 31/12/2018 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 19/06/2026 | 17/06/2025 | 24/06/2024 | 07/07/2023 | 16/06/2020 | 20/06/2019 |
| General meeting | 16/06/2026 | 17/06/2025 | 18/06/2024 | 20/06/2023 | 16/06/2020 | 18/06/2019 |
| 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, 18 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 16/06/2026 | 19/06/2026 | French | |
| Abridged model | 31/12/2024 | 17/06/2025 | 17/06/2025 | French | |
| Abridged model | 31/12/2023 | 18/06/2024 | 24/06/2024 | French | |
| Abridged model | 31/12/2022 | 20/06/2023 | 07/07/2023 | French | |
| Abridged model | 31/12/2019 | 16/06/2020 | 16/06/2020 | French | |
| Abridged model | 31/12/2018 | 18/06/2019 | 20/06/2019 | French | |
| Abridged model | 31/12/2017 | 19/06/2018 | 21/06/2018 | French | |
| Abridged model | 31/12/2016 | 20/06/2017 | 22/06/2017 | French | |
| Abridged model | 31/12/2015 | 21/06/2016 | 21/06/2016 | French | |
| Abridged model | 31/12/2014 | 16/06/2015 | 16/06/2015 | French | |
| Abridged model | 31/12/2013 | 17/06/2014 | 17/06/2014 | French | |
| Abridged model | 31/12/2012 | 18/06/2013 | 18/06/2013 | French | |
| Abridged model | 31/12/2011 | 19/06/2012 | 22/06/2012 | French | |
| Abridged model | 31/12/2010 | 21/06/2011 | 24/06/2011 | French | |
| Abridged model | 31/12/2009 | 15/06/2010 | 22/06/2010 | French | |
| Abridged model | 31/12/2008 | 17/06/2009 | 02/07/2009 | French | |
| Abridged model | 31/12/2007 | 18/06/2008 | 24/06/2008 | French | |
| Abridged model | 31/12/2006 | 20/06/2007 | 21/06/2007 | French |
Valuation
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 10 M€ and 25 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 31/12/202516 active · 37 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
GRAZIELLA LAURENT | Director | since 01/01/2026 | 000 |
SEBASTIEN HABAY | Director | since 01/04/2023 | |
AURORE LAHAYE | Director | since 01/10/2022 | |
BENJAMIN CIPRIANO FLORES | Director | since 01/10/2022 | |
CARMELA LOMONACO | Director | since 01/10/2022 | |
LUC PINCHARD | Director | since 01/10/2022 | |
ALAIN SYNE | Director | since 01/01/2022 | 000 |
EMMANUEL JENNES | Director | since 01/01/2022 | |
ERIC MARECHAL | Director | since 01/01/2022 | 000 |
ETIENNE CHRETIEN | Director | since 01/01/2022 | 000 |
FREDERIC LEBRUN | Director | since 01/01/2022 | 000 |
NATHALIE VONAU | Director | since 01/01/2022 | 000 |
SEBASTIEN JACQUES | Director | since 01/01/2022 | 000 |
ALAIN FAGNAN - POLIS | Director | since 15/01/2019 | |
XAVIER MOORS | Director | since 01/10/2014 | 000 |
GREGORY JAVAUX | Director | since 01/07/2004 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
VIRGINIE BRONFORT | Director | 01/01/2022 → 31/01/2024 | 00 |
VIRGINIE BRONFORT | Director | since 01/01/2022 | 00 |
Alain FAGNAN POLIS | Director | since 15/01/2019 | 000 |
Alain FAGNAN POLIS | Manager | since 15/01/2019 | 000 |
Ownership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Mandates10/09/2026DEMISSIONS, NOMINATIONS
- Mandates23/01/2026DEMISSIONS, NOMINATIONS
- Mandates25/03/2024DEMISSIONS, NOMINATIONS
- Mandates20/04/2023DEMISSIONS, NOMINATIONS
- Mandates03/11/2022DEMISSIONS, NOMINATIONS
- Mandates05/09/2022DEMISSIONS, NOMINATIONS
- Restructuring13/01/2022DENOMINATION - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
- Mandates06/01/2022DEMISSIONS, NOMINATIONS
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 20251,5 M €↑
- 2024Annual accounts 20241,1 M €↑
- 2023Annual accounts 2023934,6 k €↓
- 2023Name changeAGENT DE BANQUE ET D'ASSU RANCES LIEGE CITE ARDENTE
- 2022Annual accounts 20221,1 M €↑
- 2022Name changeAGENT DE BANQUE ET D'ASSURANCES LIEGE CITE ARDENTE
- 2019Annual accounts 2019503,1 k €↑
- 2019Name changeAgent de banque et d'assurances LIEGE NORD ET EST
- 2018Annual accounts 2018465,1 k €↑
- 2017Annual accounts 2017406 k €↓
- 2016Annual accounts 2016728,1 k €↓
- 2015Annual accounts 2015778,4 k €↑
- 2014Annual accounts 2014529,9 k €↓
- 2013Annual accounts 2013543,2 k €↓
- 2012Annual accounts 2012605,8 k €↓
- 2011Annual accounts 2011708,1 k €↑
- 2011Name changeBELFIUS LIEGE NORD ET EST
- 2010Annual accounts 2010316,4 k €↑
- 2010Name changeDEXIA LIEGE NORD ET EST
- 2009Annual accounts 2009261,4 k €↑
- 2008Annual accounts 2008220,5 k €↑
- 2007Annual accounts 2007172,2 k €↓
- 2006Annual accounts 2006233,4 k €
- 08/01/1998IncorporationLimited partnership
Registered offices
Source · NBB annual accounts, CBE| Registered address | Period | Source |
|---|---|---|
| Chaussée du Roi Albert 50, 4431 LoncinCurrent | CBE, tracked since 27/09/2026 | CBE |
| CHAUSSEE DU ROI ALBERT 50, 4430 Ans | accounts 2022 → 2025 | Accounts 2025 · 2026-00176527 |
Company names
Source · NBB annual accounts, CBE| Name | Period | Source |
|---|---|---|
| Agent de banque et d'assurances Liège Cité ArdenteCurrent | CBE, tracked since 27/09/2026 | CBE |
| AGENT DE BANQUE ET D'ASSU RANCES LIEGE CITE ARDENTE | accounts 2023 → 2025 | Accounts 2025 · 2026-00176527 |
| AGENT DE BANQUE ET D'ASSURANCES LIEGE CITE ARDENTE | accounts 2022 | Accounts 2022 · 2023-00219019 |
| Agent de banque et d'assurances LIEGE NORD ET EST | accounts 2019 | Accounts 2019 · 2020-17700573 |
| BELFIUS LIEGE NORD ET EST | accounts 2011 → 2018 | Accounts 2018 · 2019-20600294 |
| DEXIA LIEGE NORD ET EST | accounts 2010 | Accounts 2010 · 2011-22700013 |
| DEXIA HAUTS DE LIEGE | accounts 2006 → 2009 | Accounts 2009 · 2010-20700596 |
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.