ACTIVE

Agent de banque et d'assurances COEUR DU HAINAUT

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Financial year 2025 · Closed on 31/12/2025

Net result1 M €+16,7 %over 1 year

Gross margin4 M €+7,4 %over 1 year

Equity667,3 k €+6,0 %over 1 year

Workforce41,3 ETP+1,2 %over 1 year

Identity

Source · BCE/KBO

Agent de banque et d'assurances COEUR DU HAINAUT 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 La Louvière. It employs on average 41,3 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0465.013.743
Incorporation: 28/12/1998
Legal form: Limited partnership
Registered office: Rue Albert 1,Roi des Belges(L.L) 23
7100 La Louvière · WallonieSee on map
Contributed capital: 75 500,00 €
Latest accounts: 31/12/2025
Average workforce: 41,3 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

Joint committees (3)

Signals

ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	4 M €	+7.4%	3,7 M €	+2.6%	3,6 M €	+7.2%	3,4 M €	-7.2%	3,6 M €
EBITDA	1,5 M €	+14.0%	1,3 M €	+11.5%	1,2 M €	+11.8%	1,1 M €	+24.4%	848,8 k €
Operating result	1,5 M €	+14.2%	1,3 M €	+3.4%	1,3 M €	+20.7%	1 M €	+27.3%	819,6 k €
Net result	1 M €	+16.7%	894,4 k €	+4.2%	858,3 k €	+20.3%	713,5 k €	+1.5%	703,3 k €
Balance sheet
Equity	667,3 k €	+6.0%	629,3 k €	+4.2%	604,1 k €	-1.7%	614,7 k €	+6.0%	579,9 k €
Total assets	3,1 M €	+10.4%	2,8 M €	-4.0%	2,9 M €	+10.6%	2,6 M €	+4.2%	2,5 M €
Cash	1,3 M €	+175%	460,5 k €	-51.5%	948,7 k €	-22.4%	1,2 M €	+27.9%	956 k €
Debts	2,4 M €	+11.7%	2,2 M €	-6.2%	2,3 M €	+20.2%	1,9 M €	+3.6%	1,9 M €
Other
Workforce	41,3 ETP	+1.2%	40,8 ETP	-1.9%	41,6 ETP	-3.0%	42,9 ETP	-4.2%	44,8 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

9 active · 14 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
SEBASTIEN SZYMUSIK	Directorsince 01/04/2024
PHILIPPE KERBUSCH	Directorsince 01/02/2024
BRUNO PUYSTIENS	DirectorManagersince 01/04/2021ended
MICKAEL CRUGENAIRE	Directorsince 01/01/2019Managerended
OLIVIER LANGELET	Directorsince 01/02/2017Managerended
PATRICK GOBBE	Administrator - managersince 01/07/2012MandateendedDirectorendedManagerended
CHRISTOPHE MEES	Directorsince 01/01/2010Managerended
Christophe PERNIAUX	Directorsince 01/01/2010Managerended
OLIVIER ZANIN	Director

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
CHANTAL DENEUFBOURG	Manager01/01/2020 → 31/12/2020
FRANCOIS BERNARD	Manager01/01/2020 → 30/04/2021
ROBERTA SERBI	Manager01/01/2020 → 30/06/2020
Fabian STEVENS	Directorsince 01/01/2014

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	26/08/2026	26/08/2025	08/07/2024	22/07/2023	19/07/2022	31/08/2021
General meeting	19/06/2026	20/06/2025	21/06/2024	16/06/2023	17/06/2022	18/06/2021
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	19/06/2026	26/08/2026	French	PDF
Abridged model	31/12/2024	20/06/2025	26/08/2025	French	PDF
Abridged model	31/12/2023	21/06/2024	08/07/2024	French	PDF
Abridged model	31/12/2022	16/06/2023	22/07/2023	French	PDF
Abridged model	31/12/2021	17/06/2022	19/07/2022	French	PDF
Abridged model	31/12/2020	18/06/2021	31/08/2021	French	PDF
Abridged model	31/12/2019	19/06/2020	30/09/2020	French	PDF
Abridged model	31/12/2018	21/06/2019	04/07/2019	French	PDF
Abridged model	31/12/2017	16/06/2018	20/08/2018	French	PDF
Micro model	31/12/2016	16/06/2017	20/07/2017	French	PDF
Abridged model	31/12/2015	17/06/2016	17/06/2016	French	PDF
Abridged model	31/12/2014	19/06/2015	19/06/2015	French	PDF
Abridged model	31/12/2013	20/06/2014	20/06/2014	French	PDF
Abridged model	31/12/2012	21/06/2013	21/06/2013	French	PDF
Abridged model	31/12/2011	15/06/2012	15/06/2012	French	PDF
Abridged model	31/12/2010	17/06/2011	17/06/2011	French	PDF
Abridged model	31/12/2009	18/06/2010	18/06/2010	French	PDF
Abridged model	31/12/2008	17/06/2009	17/06/2009	French	PDF
Abridged model	31/12/2007	18/06/2008	18/06/2008	French	PDF
Abridged model	31/12/2006	20/06/2007	20/06/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 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

9 active · 14 ended

Active mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
SEBASTIEN SZYMUSIK	Directorsince 01/04/2024
PHILIPPE KERBUSCH	Directorsince 01/02/2024
BRUNO PUYSTIENS	DirectorManagersince 01/04/2021ended
MICKAEL CRUGENAIRE	Directorsince 01/01/2019Managerended
OLIVIER LANGELET	Directorsince 01/02/2017Managerended
PATRICK GOBBE	Administrator - managersince 01/07/2012MandateendedDirectorendedManagerended
CHRISTOPHE MEES	Directorsince 01/01/2010Managerended
Christophe PERNIAUX	Directorsince 01/01/2010Managerended
OLIVIER ZANIN	Director

Ended mandates

Director	Mandates in this company	Period	Other mandatescurrentendedstruck offbankruptcies
CHANTAL DENEUFBOURG	Manager01/01/2020 → 31/12/2020
FRANCOIS BERNARD	Manager01/01/2020 → 30/04/2021
ROBERTA SERBI	Manager01/01/2020 → 30/06/2020
Fabian STEVENS	Directorsince 01/01/2014

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates22/08/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates22/08/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates14/06/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates14/06/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates14/09/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates14/01/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates13/01/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates05/03/2020
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

Source · CBE, NBB annual accounts

Year

Identity

Incorporation

Name

Registered office

Annual accounts

Filings20 filings

Mandates

SEBASTIEN SZYMUSIK

PHILIPPE KERBUSCH

MICKAEL CRUGENAIRE

OLIVIER LANGELET

PATRICK GOBBE

CHRISTOPHE MEES

Christophe PERNIAUX

BRUNO PUYSTIENS

FRANCOIS BERNARD

ROBERTA SERBI

CHANTAL DENEUFBOURG

Fabian STEVENS

and 6 more mandates

19981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023202420252026

Agent de banque et d'assurances COEUR DU HAINAUTAGENCE DE BANQUE ET D'ASSURANCES COEUR DU HAINAUT

Rue Albert 1,Roi des Belges(L.L) 23, 7100 La Louvière

Director

Administrator - manager

Director

Manager

CurrentPlanned, not yet servedEndedAccounts filedToday

Registered offices

Source · NBB annual accounts, CBE

Registered address	Period	Source
Rue Albert 1,Roi des Belges(L.L) 23, 7100 La LouvièreCurrent	accounts 2021 → 2025	Accounts 2025 · 2026-00449252

Company names

Source · NBB annual accounts, CBE

Name	Period	Source
Agent de banque et d'assurances COEUR DU HAINAUTCurrent	accounts 2024 → 2025	Accounts 2025 · 2026-00449252
AGENCE DE BANQUE ET D'ASSURANCES COEUR DU HAINAUT	accounts 2022 → 2023	Accounts 2023 · 2024-00241080
AGENT DE BANQUE ET D'ASSURANCES COEUR DU HAINAUT	accounts 2021	Accounts 2021 · 2022-20210103

Events

2025
Annual accounts 20251 M €↑
2024
Annual accounts 2024894,4 k €↑
2024
Name changeAgent de banque et d'assurances COEUR DU HAINAUT
2023
Annual accounts 2023858,3 k €↑
2022
Annual accounts 2022713,5 k €↑
2022
Name changeAGENCE DE BANQUE ET D'ASSURANCES COEUR DU HAINAUT
2021
Annual accounts 2021703,3 k €↑
2020
Annual accounts 2020542,8 k €↑
2019
Annual accounts 2019288 k €↑
2018
Annual accounts 2018257,9 k €↑
2017
Annual accounts 201799 k €↓
2016
Annual accounts 2016205,1 k €↓
2015
Annual accounts 2015391,5 k €↑
2014
Annual accounts 2014267,5 k €↑
2013
Annual accounts 2013226,6 k €↑
2012
Annual accounts 2012185,8 k €↓
2011
Annual accounts 2011281,6 k €↑
2010
Annual accounts 2010191,3 k €↑
2009
Annual accounts 2009102,8 k €↑
2008
Annual accounts 200843 k €↓
2007
Annual accounts 200767 k €↑
2006
Annual accounts 200665,7 k €
28/12/1998
IncorporationLimited partnership

Agent de banque et d'assurances COEUR DU HAINAUT

Overview

Identity

Financials

Valuation

Indicative valuation

Board of directors

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

Registered offices

Company names

Events