ACTIVE

ASSURAL

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Financial year 2025 · closed on 31/12/2025

Net result

23,6 k €

+64.1% YoY

Gross margin

274,2 k €

+4.7% YoY

Equity

247,3 k €

-3.5% YoY

What does ASSURAL do?

ASSURAL is a Public limited company incorporated in 2000. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Waregem.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0472.573.409

Incorporation

14/08/2000

Legal form

Public limited company

Registered office

Leiestraat 73
8792 Waregem · FlandreSee on map

Contributed capital

62 624,10 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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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	274,2 k €	+4.7%	261,8 k €	+2.5%	255,5 k €	+25.6%	203,4 k €	-10.3%	226,7 k €	+14.2%	198,5 k €	+8.6%	182,8 k €	-2.3%	187,2 k €	+2.0%	183,5 k €	-12.2%	209 k €	+18.7%	176,1 k €	-1.1%	178 k €	+10.1%	161,6 k €	+10.0%	147 k €	+6.7%	137,8 k €	-10.6%	154,2 k €	+21.6%	126,8 k €	+0.0%	126,7 k €	+15.4%	109,9 k €	-6.7%	117,8 k €
EBITDA	102,1 k €	+19.0%	85,8 k €	+1.1%	84,9 k €	+69.4%	50,2 k €	-40.8%	84,7 k €	+23.3%	68,7 k €	+29.8%	52,9 k €	-16.7%	63,6 k €	-1.8%	64,7 k €	-20.3%	81,2 k €	+41.2%	57,5 k €	-9.8%	63,7 k €	+27.6%	50 k €	+9.8%	45,5 k €	+18.9%	38,3 k €	-35.8%	59,6 k €	+24.2%	48 k €	-22.4%	61,8 k €	+32.7%	46,6 k €	-20.5%	58,6 k €
Operating result	55,8 k €	+29.9%	43 k €	-17.4%	52 k €	+142%	21,5 k €	-56.1%	48,8 k €	+27.5%	38,3 k €	+59.7%	24 k €	-43.4%	42,4 k €	+13.4%	37,4 k €	-31.9%	54,9 k €	+136%	23,3 k €	+21.5%	19,2 k €	-35.7%	29,8 k €	-2.4%	30,6 k €	+46.7%	20,8 k €	-48.0%	40,1 k €	+50.5%	26,6 k €	-37.8%	42,8 k €	+60.5%	26,7 k €	-44.1%	47,7 k €
Net result	23,6 k €	+64.1%	14,4 k €	-47.2%	27,2 k €	+917%	2,7 k €	-88.5%	23,2 k €	+36.9%	17 k €	+153%	6,7 k €	-63.9%	18,6 k €	+33.1%	14 k €	-43.3%	24,6 k €	+366%	5,3 k €	+46.3%	3,6 k €	-61.6%	9,4 k €	-39.9%	15,6 k €	+52.6%	10,2 k €	-43.5%	18,1 k €	+197%	6,1 k €	-50.5%	12,3 k €	+32.9%	9,3 k €	-61.7%	24,2 k €
Balance sheet
Equity	247,3 k €	-3.5%	256,3 k €	+5.9%	241,9 k €	+1.1%	239,3 k €	+1.1%	236,6 k €	+9.3%	216,5 k €	+8.5%	199,6 k €	+1.8%	196 k €	+10.5%	177,4 k €	+8.5%	163,5 k €	+17.7%	138,9 k €	+3.9%	133,6 k €	-16.5%	160 k €	+6.2%	150,6 k €	+11.6%	135 k €	-14.6%	158,1 k €	+12.9%	140 k €	+4.5%	133,9 k €	+10.1%	121,6 k €	+8.2%	112,3 k €
Total assets	312,7 k €	-22.9%	405,8 k €	-1.0%	409,9 k €	+3.6%	395,7 k €	-2.9%	407,7 k €	+4.1%	391,8 k €	-43.8%	697 k €	+13.2%	615,8 k €	+25.1%	492,2 k €	+6.0%	464,4 k €	-10.8%	520,5 k €	-15.1%	613,1 k €	+13.0%	542,4 k €	+27.8%	424,5 k €	-6.9%	455,8 k €	+6.9%	426,2 k €	+9.6%	388,7 k €	-13.6%	450,1 k €	-6.7%	482,6 k €	+22.5%	394 k €
Cash	94,3 k €	-54.3%	206,4 k €	-11.8%	234,1 k €	-23.8%	307,3 k €	+13.7%	270,4 k €	+15.7%	233,6 k €	-37.2%	371,9 k €	-19.3%	460,9 k €	+98.4%	232,3 k €	-21.2%	294,6 k €	+11.9%	263,3 k €	-27.2%	361,8 k €	+35.5%	267 k €	+389%	54,6 k €	-24.2%	72,1 k €	-16.3%	86,1 k €	+53.8%	56 k €	-58.7%	135,6 k €	+89.0%	71,8 k €	-22.5%	92,5 k €
Debts	65,4 k €	-56.3%	149,5 k €	-11.0%	168 k €	+7.4%	156,4 k €	-8.6%	171,1 k €	-2.4%	175,3 k €	-64.8%	497,4 k €	+18.5%	419,8 k €	+33.4%	314,8 k €	+4.6%	300,9 k €	-21.1%	381,6 k €	-20.4%	479,5 k €	+25.4%	382,4 k €	+39.6%	273,9 k €	-14.6%	320,8 k €	+19.7%	268,1 k €	+7.8%	248,8 k €	-19.6%	309,3 k €	-14.3%	360,8 k €	+28.1%	281,7 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		2,8 ETP	0.0%	2,8 ETP	0.0%	2,8 ETP	0.0%	2,8 ETP	0.0%	2,8 ETP	0.0%	2,8 ETP	+21.7%	2,3 ETP	+27.8%	1,8 ETP	0.0%	1,8 ETP	0.0%	1,8 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 · 3 active · 17 ended

Active mandates

Bernard LEFEBVRE

Director · since 19 décembre 2023 · until 17 mai 2030

Active

Delphine LEFEBVRE

Director · since 19 décembre 2023 · until 17 mai 2030

Active

IMMALEF

Managing director · since 19 décembre 2023 · until 17 mai 2030 · 0472.578.951

Represented by Lucien LEFEBVRE

Active

Ended mandates

Bernard LEFEBVRE

Director · since 23 juillet 2021 · until 19 décembre 2023

Ended

Bernard LEFEBVRE

Director · since 23 juillet 2021 · until 15 mai 2026

Ended

Delphine LEFEBVRE

Director · since 15 mai 2020 · until 19 décembre 2023

Ended

Delphine LEFEBVRE

Director · since 15 mai 2020 · until 15 mai 2026

Ended

At this address

Other companies at this address

Company	CBE no.
BOEKHOUDKANTOOR LEFEBVRE● Active	0472.573.211
IMMALEF● Active	0472.578.951

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro 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	11/06/2026	16/06/2025	22/06/2024	16/06/2023	22/07/2022	02/08/2021
General meeting	15/05/2026	16/05/2025	17/05/2024	19/05/2023	20/05/2022	21/05/2021
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
Micro model	31/12/2025	15/05/2026	11/06/2026	Dutch	PDF
Micro model	31/12/2024	16/05/2025	16/06/2025	Dutch	PDF
Micro model	31/12/2023	17/05/2024	22/06/2024	Dutch	PDF
Micro model	31/12/2022	19/05/2023	16/06/2023	Dutch	PDF
Micro model	31/12/2021	20/05/2022	22/07/2022	Dutch	PDF
Micro model	31/12/2020	21/05/2021	02/08/2021	Dutch	PDF
Micro model	31/12/2019	15/05/2020	30/09/2020	Dutch	PDF
Micro model	31/12/2018	17/05/2019	30/08/2019	Dutch	PDF
Micro model	31/12/2017	18/05/2018	14/08/2018	Dutch	PDF
Micro model	31/12/2016	19/05/2017	28/07/2017	Dutch	PDF
Abridged model	31/12/2015	20/05/2016	14/06/2016	Dutch	PDF
Abridged model	31/12/2014	15/05/2015	29/08/2015	Dutch	PDF
Abridged model	31/12/2013	16/05/2014	27/08/2014	Dutch	PDF
Abridged model	31/12/2012	17/05/2013	28/08/2013	Dutch	PDF
Abridged model	31/12/2011	18/05/2012	21/08/2012	Dutch	PDF
Abridged model	31/12/2010	20/05/2011	02/08/2011	Dutch	PDF
Abridged model	31/12/2009	21/05/2010	19/07/2010	Dutch	PDF
Abridged model	31/12/2008	15/05/2009	30/06/2009	Dutch	PDF
Abridged model	31/12/2007	16/05/2008	16/06/2008	Dutch	PDF
Abridged model	31/12/2006	19/05/2007	18/06/2007	Dutch	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 · 3 active · 17 ended

Active mandates

Bernard LEFEBVRE

Director · since 19 décembre 2023 · until 17 mai 2030

Active

Delphine LEFEBVRE

Director · since 19 décembre 2023 · until 17 mai 2030

Active

IMMALEF

Managing director · since 19 décembre 2023 · until 17 mai 2030 · 0472.578.951

Represented by Lucien LEFEBVRE

Active

Ended mandates

Bernard LEFEBVRE

Director · since 23 juillet 2021 · until 19 décembre 2023

Ended

Bernard LEFEBVRE

Director · since 23 juillet 2021 · until 15 mai 2026

Ended

Delphine LEFEBVRE

Director · since 15 mai 2020 · until 19 décembre 2023

Ended

Delphine LEFEBVRE

Director · since 15 mai 2020 · until 15 mai 2026

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates28/12/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - ONTSLAGEN - BENOEMINGEN
PDF
Mandates10/08/2021
ONTSLAGEN - BENOEMINGEN
PDF
Mandates13/11/2020
ONTSLAGEN - BENOEMINGEN
PDF
Mandates07/10/2014
ONTSLAGEN - BENOEMINGEN
PDF
Mandates02/01/2009
ONTSLAGEN - BENOEMINGEN
PDF
Mandates22/06/2006
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 202523,6 k €↑
2024
Annual accounts 202414,4 k €↓
2023
Annual accounts 202327,2 k €↑
2022
Annual accounts 20222,7 k €↓
2021
Annual accounts 202123,2 k €↑
2020
Annual accounts 202017 k €↑
2019
Annual accounts 20196,7 k €↓
2018
Annual accounts 201818,6 k €↑
2017
Annual accounts 201714 k €↓
2016
Annual accounts 201624,6 k €↑
2015
Annual accounts 20155,3 k €↑
2014
Annual accounts 20143,6 k €↓
2013
Annual accounts 20139,4 k €↓
2012
Annual accounts 201215,6 k €↑
2011
Annual accounts 201110,2 k €↓
2010
Annual accounts 201018,1 k €↑
2009
Annual accounts 20096,1 k €↓
2008
Annual accounts 200812,3 k €↑
2007
Annual accounts 20079,3 k €↓
2006
Annual accounts 200624,2 k €
14/08/2000
IncorporationPublic 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

ASSURAL

Overview

What does ASSURAL 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