ACTIVE

FCIB

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Financial year 2025 · closed on 31/12/2025

Net result

99,3 k €

+4.9% YoY

Gross margin

418,9 k €

-1.3% YoY

Equity

311 k €

+46.9% YoY

What does FCIB do?

FCIB is a Private limited company incorporated in 2000. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tournai.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0473.606.062

Incorporation

22/12/2000

Legal form

Private limited company

Registered office

Rue de Tournai(TEM) 32
7520 Tournai · WallonieSee on map

Contributed capital

18 600,00 €

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 equityPositive cashflowPositive EBITDAHealthy social debts

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✦ Verdict · Analyst summary

Financials

Trend over 18 financial years

	2025		2024		2023		2022		2021		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	418,9 k €	-1.3%	424,6 k €	+14.6%	370,6 k €	+16.4%	318,4 k €	+7.7%	295,6 k €	-15.7%	350,6 k €	+5.7%	331,6 k €	-9.2%	365,4 k €	-7.6%	395,5 k €	+3.0%	383,9 k €	-0.3%	385,1 k €	+18.5%	325 k €	-6.7%	348,5 k €	-2.4%	356,9 k €	-6.8%	383 k €	-14.8%	449,7 k €	+6.0%	424,1 k €	+9.5%	387,2 k €
EBITDA	186,4 k €	+0.5%	185,6 k €	+26.8%	146,3 k €	+56.0%	93,8 k €	+75.9%	53,3 k €	-62.4%	141,9 k €	+19.5%	118,8 k €	-15.1%	139,9 k €	-22.7%	181 k €	+1.8%	177,9 k €	-3.3%	184 k €	+83.5%	100,3 k €	-27.2%	137,7 k €	-19.8%	171,7 k €	-8.0%	186,6 k €	-27.1%	256 k €	+30.4%	196,3 k €	+10.1%	178,3 k €
Operating result	145,4 k €	+0.8%	144,2 k €	+30.5%	110,5 k €	+140%	46 k €	+1080%	3,9 k €	-93.7%	61,6 k €	+39.6%	44,1 k €	-33.1%	66 k €	-25.8%	88,9 k €	-5.5%	94,1 k €	-6.5%	100,6 k €	+279%	-56,3 k €	-54.2%	-36,5 k €	+14.7%	-42,8 k €	-174%	58,2 k €	-54.2%	126,9 k €	+99.5%	63,6 k €	+26.0%	50,5 k €
Net result	99,3 k €	+4.9%	94,7 k €	+36.6%	69,3 k €	+241%	20,3 k €	+236%	-15 k €	-158%	25,7 k €	+160%	9,9 k €	-57.6%	23,4 k €	-49.0%	45,8 k €	-30.7%	66,2 k €	+5.1%	62,9 k €	+165%	-96,2 k €	-23.0%	-78,2 k €	-1.9%	-76,7 k €	-379%	27,5 k €	-60.0%	68,8 k €	+196%	23,3 k €	+40.8%	16,5 k €
Balance sheet
Equity	311 k €	+46.9%	211,7 k €	+80.9%	117 k €	+145%	47,7 k €	+74.0%	27,4 k €	-41.4%	46,8 k €	+122%	21,1 k €	+88.7%	11,2 k €	+191%	-12,2 k €	+79.0%	-58 k €	+53.3%	-124,2 k €	+33.6%	-187,1 k €	-106%	-90,9 k €	-617%	-12,7 k €	-119%	66,2 k €	+21.0%	54,8 k €	+243%	16 k €	+318%	-7,3 k €
Total assets	813,7 k €	+2.1%	796,7 k €	+3.4%	770,6 k €	+10.2%	699 k €	-8.0%	760,1 k €	-27.6%	1 M €	-2.2%	1,1 M €	-6.7%	1,2 M €	-7.4%	1,2 M €	+1.5%	1,2 M €	+0.8%	1,2 M €	-4.0%	1,3 M €	-13.0%	1,5 M €	-2.2%	1,5 M €	+55.0%	959 k €	-7.7%	1 M €	-1.2%	1,1 M €	-8.7%	1,2 M €
Cash	150,6 k €	+27.5%	118,1 k €	+184%	41,6 k €	-44.2%	74,5 k €	-13.6%	86,2 k €	-44.6%	155,5 k €	-15.3%	183,7 k €	+21.6%	151,1 k €	+5.0%	143,9 k €	+8.0%	133,2 k €	+75.5%	75,9 k €	-29.5%	107,7 k €	-35.5%	166,8 k €	-42.3%	289,4 k €	-24.8%	384,6 k €	+0.6%	382,3 k €	+51.9%	251,6 k €	+9.3%	230,3 k €
Debts	502,8 k €	-12.9%	577,4 k €	-10.5%	644,8 k €	+0.0%	644,5 k €	-11.2%	725,8 k €	-27.0%	993,6 k €	-5.2%	1 M €	-7.4%	1,1 M €	-9.4%	1,2 M €	-1.3%	1,3 M €	-4.5%	1,3 M €	-7.8%	1,4 M €	-6.4%	1,5 M €	+3.4%	1,5 M €	+70.2%	874,1 k €	-10.0%	971,2 k €	-4.8%	1 M €	-10.6%	1,1 M €
Other
Workforce	–		–		–		–		–		–		–		–		5,7 ETP	+23.9%	4,6 ETP	-9.8%	5,1 ETP	-13.6%	5,9 ETP	-1.7%	6,0 ETP	-3.2%	6,2 ETP	-1.6%	6,3 ETP	-4.5%	6,6 ETP	-5.7%	7,0 ETP	0.0%	7,0 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 · 2 active · 2 ended

Active mandates

Frédéric CLAEYSSENS

Director · since 15 décembre 2000

Active

Frédéric Claeyssens

Director

Active

Ended mandates

Frédéric CLAEYSSENS

Manager · since 15 décembre 2000

Ended

Frédéric CLAEYSSENS

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
HAB PROJET● Active	0801.382.920

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	26/05/2026	25/04/2025	29/04/2024	11/04/2023	04/05/2022	06/04/2021
General meeting	30/03/2026	31/03/2025	30/03/2024	30/03/2023	30/03/2022	30/03/2021
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	30/03/2026	26/05/2026	French	PDF
Micro model	31/12/2024	31/03/2025	25/04/2025	French	PDF
Micro model	31/12/2023	30/03/2024	29/04/2024	French	PDF
Micro model	31/12/2022	30/03/2023	11/04/2023	French	PDF
Micro model	31/12/2021	30/03/2022	04/05/2022	French	PDF
Micro model	31/12/2020	30/03/2021	06/04/2021	French	PDF
Micro model	31/12/2019	30/03/2020	14/04/2020	French	PDF
Micro model	31/12/2018	30/03/2019	17/07/2019	French	PDF
Micro model	31/12/2017	30/03/2018	09/05/2018	French	PDF
Micro model	31/12/2016	30/03/2017	15/06/2017	French	PDF
Abridged model	31/12/2015	30/03/2016	09/05/2016	French	PDF
Abridged model	31/12/2014	30/03/2015	28/05/2015	French	PDF
Abridged model	31/12/2013	31/03/2014	18/06/2014	French	PDF
Abridged model	31/12/2012	30/03/2013	23/04/2013	French	PDF
Abridged model	31/12/2011	30/03/2012	16/04/2012	French	PDF
Abridged model	31/12/2010	30/03/2011	20/04/2011	French	PDF
Abridged model	31/12/2009	30/03/2010	12/04/2010	French	PDF
Abridged model	31/12/2008	30/03/2009	14/04/2009	French	PDF
Abridged model	31/12/2007	31/03/2008	16/04/2008	French	PDF
Abridged model	31/12/2006	30/03/2007	26/04/2007	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 · 2 active · 2 ended

Active mandates

Frédéric CLAEYSSENS

Director · since 15 décembre 2000

Active

Frédéric Claeyssens

Director

Active

Ended mandates

Frédéric CLAEYSSENS

Manager · since 15 décembre 2000

Ended

Frédéric CLAEYSSENS

Manager

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates05/06/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates13/07/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Registered office20/01/2003
SIEGE SOCIAL
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 202599,3 k €↑
2024
Annual accounts 202494,7 k €↑
2023
Annual accounts 202369,3 k €↑
2022
Annual accounts 202220,3 k €↑
2021
Annual accounts 2021-15 k €↓
2018
Annual accounts 201825,7 k €↑
2017
Annual accounts 20179,9 k €↓
2016
Annual accounts 201623,4 k €↓
2015
Annual accounts 201545,8 k €↓
2014
Annual accounts 201466,2 k €↑
2013
Annual accounts 201362,9 k €↑
2012
Annual accounts 2012-96,2 k €↓
2011
Annual accounts 2011-78,2 k €↓
2010
Annual accounts 2010-76,7 k €↓
2009
Annual accounts 200927,5 k €↓
2008
Annual accounts 200868,8 k €↑
2007
Annual accounts 200723,3 k €↑
2006
Annual accounts 200616,5 k €
22/12/2000
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

FCIB

Overview

What does FCIB do?

Trend over 18 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