ACTIVE

ASSURANCES, FINANCEMENTS ET PRETS

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Financial year 2025 · closed on 31/12/2025
Net result
158,8 k €
+3.5% YoY
Gross margin
297,9 k €
+2.3% YoY
Equity
682,5 k €
+23.4% YoY

What does ASSURANCES, FINANCEMENTS ET PRETS do?

ASSURANCES, FINANCEMENTS ET PRETS is a Private limited company incorporated in 1998. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Couvin.

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0463.695.533
Incorporation
01/07/1998
Legal form
Private limited company
Registered office
Rue du Bercet 3
5660 Couvin · WallonieSee on map
Contributed capital
6 197,33 €
Latest accounts
31/12/2025
Activities (NACE)
66220Activities of insurance agents and brokers· main66220Activities of insurance agents and brokers67201Agents et courtiers d'assurances64999Other financial service activities, except insurance and pension funding n.e.c.64999Other financial service activities, except insurance and pension funding n.e.c.
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
View the BCE/KBO Public Search record →
Health score
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✦ Verdict · Analyst summary
Financials

Trend over 20 financial years

20252024202320222021202020192018201720162015201420132012201120102009200820072006
Income statement
Gross margin297,9 k €291,3 k €246,8 k €221,8 k €136,9 k €141,5 k €95,4 k €92,3 k €83,8 k €86,4 k €77,7 k €94,5 k €154,8 k €148 k €115,6 k €95,8 k €72,5 k €71,8 k €55,5 k €53,9 k €
EBITDA244,3 k €238,9 k €176,8 k €169,2 k €86,4 k €96,8 k €47,4 k €31,4 k €23,1 k €28,3 k €26,4 k €44,1 k €106,3 k €99,9 k €74,1 k €58,5 k €30,2 k €35,7 k €22,1 k €21,8 k €
Operating result234,5 k €229,2 k €170 k €162,7 k €80,1 k €92 k €42,9 k €27,6 k €19,5 k €23,7 k €21,3 k €37,8 k €99,7 k €92 k €67,1 k €52,1 k €23,6 k €28,7 k €14,8 k €13,6 k €
Net result158,8 k €153,4 k €106,7 k €107,4 k €50,9 k €59,2 k €27,8 k €14,6 k €8,2 k €10,6 k €7,2 k €25 k €63,9 k €55,3 k €34,8 k €29,3 k €5,6 k €14,9 k €4,3 k €3,4 k €
Balance sheet
Equity682,5 k €552,9 k €399,5 k €292,8 k €185,4 k €201,2 k €142 k €114,2 k €93,6 k €85,4 k €194,8 k €187,5 k €162,6 k €98,7 k €43,3 k €123,1 k €93,8 k €88,3 k €73,4 k €155,5 k €
Total assets740,6 k €596,4 k €423,6 k €340,5 k €235,1 k €253,8 k €188,8 k €187,3 k €143,1 k €136,3 k €242,2 k €252,3 k €252,1 k €217,8 k €166,8 k €228,1 k €211,1 k €194,8 k €182,6 k €266,4 k €
Cash626 k €26,2 k €323,1 k €239,7 k €162,7 k €107,9 k €56,8 k €60,3 k €10,2 k €25,9 k €52,5 k €11,8 k €95 k €96,2 k €41,7 k €59 k €44,3 k €26,9 k €29,3 k €38 k €
Debts58,1 k €43,5 k €24,1 k €47,7 k €49,7 k €52,6 k €46,9 k €73,1 k €49,6 k €50,9 k €47,5 k €64,7 k €88,2 k €116,7 k €121,2 k €102,7 k €114,9 k €104,2 k €106,9 k €108,6 k €
Other
Workforce–––––––––2,0 ETP1,3 ETP1,3 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 ETP1,0 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 · 2 ended

Active mandates

PHILIPPE NICOLAS

Administrator - manager

Active

Ended mandates

BRUNO VECCHIATO

Manager

Ended
PHILIPPE NICOLAS

Manager

Ended
At this address

Other companies at this address

CompanyCBE no.
IMMOBILIERE RESIDENCE DU PARC● Active
0870.124.246
MK 13● Active
0881.444.047
Annual accounts

Full financial information

202520242023202220212020
Type of accountMicro modelMicro modelMicro modelMicro modelMicro modelMicro model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date27/06/202630/06/202528/06/202426/06/202314/07/202230/06/2021
General meeting25/06/202626/06/202527/06/202422/06/202323/06/202224/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202525/06/202627/06/2026FrenchPDF
Micro model31/12/202426/06/202530/06/2025FrenchPDF
Micro model31/12/202327/06/202428/06/2024FrenchPDF
Micro model31/12/202222/06/202326/06/2023FrenchPDF
Micro model31/12/202123/06/202214/07/2022FrenchPDF
Micro model31/12/202024/06/202130/06/2021FrenchPDF
Micro model31/12/201925/06/202029/06/2020FrenchPDF
Micro model31/12/201827/06/201920/08/2019FrenchPDF
Micro model31/12/201728/06/201829/08/2018FrenchPDF
Abridged model30/12/201617/06/201730/06/2017FrenchPDF
Abridged model30/12/201523/06/201629/06/2016FrenchPDF
Abridged model30/12/201425/06/201522/07/2015FrenchPDF
Abridged model30/12/201326/06/201430/06/2014FrenchPDF
Abridged model30/12/201227/06/201301/07/2013FrenchPDF
Abridged model30/12/201128/06/201216/07/2012FrenchPDF
Abridged model30/12/201023/06/201127/06/2011FrenchPDF
Abridged model30/12/200924/06/201025/06/2010FrenchPDF
Abridged model30/12/200825/06/200926/06/2009FrenchPDF
Abridged model30/12/200726/06/200828/06/2008FrenchPDF
Abridged model30/12/200628/06/200703/07/2007FrenchPDF
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 · 2 ended

Active mandates

PHILIPPE NICOLAS

Administrator - manager

Active

Ended mandates

BRUNO VECCHIATO

Manager

Ended
PHILIPPE NICOLAS

Manager

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Mandates30/05/2022
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - MODIFICATION FORME JURIDIQUE - OBJET - DEMISSIONS, NOMINATIONS
    PDF
  • Other16/10/2018
    ANNEE COMPTABLE
    PDF
  • Mandates21/12/2017
    CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …)
    PDF
  • Mandates22/07/2016
    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

Timeline

  1. 2025
    Annual accounts 2025158,8 k €↑
  2. 2024
    Annual accounts 2024153,4 k €↑
  3. 2023
    Annual accounts 2023106,7 k €↓
  4. 2022
    Annual accounts 2022107,4 k €↑
  5. 2021
    Annual accounts 202150,9 k €↓
  6. 2020
    Annual accounts 202059,2 k €↑
  7. 2019
    Annual accounts 201927,8 k €↑
  8. 2018
    Annual accounts 201814,6 k €↑
  9. 2017
    Annual accounts 20178,2 k €↓
  10. 2016
    Annual accounts 201610,6 k €↑
  11. 2015
    Annual accounts 20157,2 k €↓
  12. 2014
    Annual accounts 201425 k €↓
  13. 2013
    Annual accounts 201363,9 k €↑
  14. 2012
    Annual accounts 201255,3 k €↑
  15. 2011
    Annual accounts 201134,8 k €↑
  16. 2010
    Annual accounts 201029,3 k €↑
  17. 2009
    Annual accounts 20095,6 k €↓
  18. 2008
    Annual accounts 200814,9 k €↑
  19. 2007
    Annual accounts 20074,3 k €↑
  20. 2006
    Annual accounts 20063,4 k €
  21. 01/07/1998
    IncorporationPrivate limited company