ACTIVE

JF de SART

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Financial year 2025 · closed on 31/12/2025

Net result

2,4 k €

+50.2% YoY

Gross margin

48,7 k €

+4.2% YoY

Equity

615 k €

+0.4% YoY

What does JF de SART do?

JF de SART is a Private limited company incorporated in 2000. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Fexhe-le-Haut-Clocher.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0469.103.480

Incorporation

06/01/2000

Legal form

Private limited company

Registered office

Rue de Noville 67
4347 Fexhe-le-Haut-Clocher · WallonieSee on map

Contributed capital

18 592,01 €

Latest accounts

31/12/2025

Activities (NACE)

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

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	48,7 k €	+4.2%	46,8 k €	-91.6%	555,5 k €	+112%	262,2 k €	-7.8%	284,5 k €	+24.4%	228,7 k €	+46.0%	156,7 k €	-19.7%	195 k €	+5.5%	184,8 k €	-9.7%	204,6 k €	+10.3%	185,6 k €	-20.8%	234,5 k €	+48.2%	158,3 k €	-38.9%	258,8 k €	+18.6%	218,3 k €	-28.5%	305,4 k €	+10.4%	276,6 k €	+4.9%	263,8 k €	-1.0%	266,5 k €	+13.7%	234,4 k €
EBITDA	40,4 k €	+6.4%	38 k €	-92.5%	506,2 k €	+195%	171,6 k €	-10.6%	192 k €	+47.1%	130,6 k €	+81.0%	72,1 k €	-34.1%	109,4 k €	+9.5%	99,9 k €	-6.7%	107,1 k €	+39.3%	76,9 k €	-27.7%	106,4 k €	+698%	13,3 k €	-88.0%	111,1 k €	+33.2%	83,4 k €	-48.1%	160,5 k €	+17.6%	136,5 k €	-13.7%	158,1 k €	+4.3%	151,7 k €	+36.4%	111,2 k €
Operating result	-672,5 €	-330%	292 €	-99.9%	480,2 k €	+230%	145,6 k €	-2.6%	149,6 k €	+69.4%	88,3 k €	+208%	28,6 k €	-61.7%	74,9 k €	+28.5%	58,3 k €	-26.0%	78,7 k €	+83.5%	42,9 k €	-43.1%	75,4 k €	+1098%	-7,6 k €	-109%	88,1 k €	+62.9%	54,1 k €	-58.1%	129 k €	+33.2%	96,8 k €	-7.7%	104,9 k €	+5.0%	100 k €	+30.4%	76,7 k €
Net result	2,4 k €	+50.2%	1,6 k €	-99.5%	334,4 k €	+238%	98,8 k €	+3.0%	96 k €	+68.7%	56,9 k €	+903%	5,7 k €	+1156%	451,6 €	-98.5%	30,9 k €	-32.1%	45,5 k €	+46.4%	31,1 k €	-57.2%	72,6 k €	+154%	-134,6 k €	-325%	59,7 k €	+109%	28,6 k €	-63.6%	78,7 k €	+40.3%	56,1 k €	-12.8%	64,3 k €	+4.4%	61,6 k €	+21.4%	50,7 k €
Balance sheet
Equity	615 k €	+0.4%	612,6 k €	+0.3%	611 k €	-15.9%	726,9 k €	+8.0%	673,1 k €	+11.1%	606 k €	+10.2%	549,9 k €	+0.9%	545 k €	+0.1%	544,5 k €	+6.0%	513,7 k €	+9.7%	468,2 k €	+7.1%	437,1 k €	+19.9%	364,5 k €	-33.2%	545,8 k €	+11.9%	487,7 k €	+5.9%	460,7 k €	+22.1%	377,4 k €	+16.9%	322,9 k €	+24.1%	260,2 k €	+30.0%	200,2 k €
Total assets	655,9 k €	-10.6%	733,6 k €	-3.4%	759,7 k €	-10.3%	847 k €	-7.1%	912,1 k €	+3.3%	883,2 k €	+5.4%	838 k €	-5.6%	887,2 k €	+13.6%	780,7 k €	+24.0%	629,9 k €	+0.9%	624,2 k €	+2.4%	609,5 k €	+13.3%	537,9 k €	-26.9%	736,2 k €	+5.4%	698,2 k €	-1.7%	710,1 k €	+10.5%	642,8 k €	+1.9%	630,7 k €	-4.3%	658,9 k €	+76.2%	373,9 k €
Cash	239,5 k €	-13.7%	277,5 k €	-17.6%	336,9 k €	-27.0%	461,6 k €	-7.0%	496,5 k €	+12.1%	442,8 k €	+24.8%	354,9 k €	+12.5%	315,4 k €	-0.9%	318,2 k €	-13.7%	368,6 k €	+5.1%	350,7 k €	+8.2%	324,1 k €	+16.1%	279,1 k €	-41.5%	477 k €	+11.1%	429,5 k €	+2.4%	419,5 k €	+27.6%	328,9 k €	+31.1%	250,9 k €	+31.0%	191,4 k €	-17.8%	233 k €
Debts	40,9 k €	-66.2%	121 k €	-18.6%	148,6 k €	+24.1%	119,7 k €	-49.9%	239 k €	-13.8%	277,3 k €	-3.8%	288,1 k €	+1.7%	283,2 k €	+20.5%	235 k €	+102%	116,2 k €	-25.5%	155,9 k €	-9.4%	172 k €	-0.5%	172,9 k €	-9.2%	190,4 k €	-9.5%	210,5 k €	-15.6%	249,4 k €	-6.0%	265,4 k €	-13.8%	307,8 k €	-22.8%	398,7 k €	+130%	173,7 k €
Other
Workforce	–		–		0,2 ETP	-85.7%	1,4 ETP	0.0%	1,4 ETP	0.0%	1,4 ETP	-26.3%	1,9 ETP	+11.8%	1,7 ETP	-22.7%	2,2 ETP	+15.8%	1,9 ETP	-17.4%	2,3 ETP	-17.9%	2,8 ETP	-6.7%	3,0 ETP	-21.1%	3,8 ETP	+40.7%	2,7 ETP	-3.6%	2,8 ETP	0.0%	2,8 ETP	+3.7%	2,7 ETP	-6.9%	2,9 ETP	-12.1%	3,3 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

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

Active mandates

Jean-François de Sart

Mandate

Active

At this address

Other companies at this address

Company	CBE no.
Bureau de SART● Active	0832.971.959

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	18/07/2026	09/07/2025	26/07/2024	26/07/2023	22/07/2022	22/07/2021
General meeting	27/06/2026	11/06/2025	28/06/2024	30/06/2023	04/06/2022	05/06/2021
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	27/06/2026	18/07/2026	French	PDF
Abridged model	31/12/2024	11/06/2025	09/07/2025	French	PDF
Abridged model	31/12/2023	28/06/2024	26/07/2024	French	PDF
Abridged model	31/12/2022	30/06/2023	26/07/2023	French	PDF
Abridged model	31/12/2021	04/06/2022	22/07/2022	French	PDF
Abridged model	31/12/2020	05/06/2021	22/07/2021	French	PDF
Abridged model	31/12/2019	06/06/2020	20/07/2020	French	PDF
Abridged model	31/12/2018	01/06/2019	24/07/2019	French	PDF
Abridged model	31/12/2017	02/06/2018	30/07/2018	French	PDF
Abridged model	31/12/2016	03/06/2017	18/07/2017	French	PDF
Abridged model	31/12/2015	04/06/2016	13/07/2016	French	PDF
Abridged model	31/12/2014	06/06/2015	16/07/2015	French	PDF
Abridged model	31/12/2013	07/06/2014	17/07/2014	French	PDF
Abridged model	31/12/2012	01/06/2013	03/07/2013	French	PDF
Abridged model	31/12/2011	02/06/2012	27/06/2012	French	PDF
Abridged model	31/12/2010	25/06/2011	28/07/2011	French	PDF
Abridged model	31/12/2009	26/06/2010	15/07/2010	French	PDF
Abridged model	31/12/2008	27/06/2009	28/07/2009	French	PDF
Abridged model	31/12/2007	28/06/2008	08/07/2008	French	PDF
Abridged model	31/12/2006	02/06/2007	04/07/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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

Active mandates

Jean-François de Sart

Mandate

Active

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates02/03/2023
MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - OBJET - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Capital / shares19/12/2013
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates10/01/2007
DENOMINATION
PDF
Capital / shares03/05/2006
ASSEMBLEE GENERALE - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
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 20252,4 k €↑
2024
Annual accounts 20241,6 k €↓
2023
Annual accounts 2023334,4 k €↑
2022
Annual accounts 202298,8 k €↑
2021
Annual accounts 202196 k €↑
2020
Annual accounts 202056,9 k €↑
2019
Annual accounts 20195,7 k €↑
2018
Annual accounts 2018451,6 €↓
2017
Annual accounts 201730,9 k €↓
2016
Annual accounts 201645,5 k €↑
2015
Annual accounts 201531,1 k €↓
2014
Annual accounts 201472,6 k €↑
2013
Annual accounts 2013-134,6 k €↓
2012
Annual accounts 201259,7 k €↑
2011
Annual accounts 201128,6 k €↓
2010
Annual accounts 201078,7 k €↑
2009
Annual accounts 200956,1 k €↓
2008
Annual accounts 200864,3 k €↑
2007
Annual accounts 200761,6 k €↑
2006
Annual accounts 200650,7 k €
06/01/2000
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

JF de SART

Overview

What does JF de SART do?

Trend over 20 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