ACTIVE

Aléas Assurances

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Financial year 2025 · closed on 31/12/2025

Net result

162,5 k €

+9.5% YoY

Gross margin

422 k €

+4.8% YoY

Equity

71,7 k €

+21.0% YoY

Workforce

2,3 ETP

-8.0% YoY

What does Aléas Assurances do?

Aléas Assurances is a Private limited company incorporated in 2001. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Ans. It employs on average 2,3 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0474.450.358

Incorporation

29/03/2001

Legal form

Private limited company

Registered office

Rue Edouard Colson 287
4431 Ans · WallonieSee on map

Contributed capital

25 000,00 €

Latest accounts

31/12/2025

Average workforce

2,3 ETP

Activities (NACE)

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

Joint committees (2)

307
3070

Signals

ProfitableSolid equityLow riskPositive 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

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	422 k €	+4.8%	402,5 k €	+1.8%	395,4 k €	-18.5%	484,9 k €	+38.4%	350,4 k €	+93.7%	180,9 k €	+4.4%	173,2 k €	+0.6%	172,1 k €	+15.1%	149,6 k €	+55.3%	96,3 k €	-28.5%	134,8 k €	+27.8%	105,5 k €	-34.7%	161,6 k €	+4.6%	154,4 k €	+22.2%	126,4 k €	+9.6%	115,3 k €	-0.8%	116,2 k €	+10.9%	104,7 k €	+29.3%	81 k €	+4.0%	77,9 k €
EBITDA	266,3 k €	+8.1%	246,3 k €	-14.2%	287 k €	-23.7%	376,3 k €	+61.7%	232,7 k €	+87.8%	123,9 k €	-0.9%	125 k €	+25.4%	99,7 k €	+29.3%	77,1 k €	+111%	36,5 k €	-60.0%	91,3 k €	+77.9%	51,3 k €	-55.3%	114,8 k €	+4.7%	109,7 k €	+41.9%	77,3 k €	+5.6%	73,2 k €	-6.1%	77,9 k €	+14.5%	68 k €	+36.3%	49,9 k €	+2.4%	48,8 k €
Operating result	224,5 k €	+9.6%	204,9 k €	-17.2%	247,4 k €	-29.0%	348,3 k €	+77.6%	196,2 k €	+179%	70,4 k €	-8.4%	76,9 k €	+20.4%	63,9 k €	+40.2%	45,5 k €	+386%	9,4 k €	-87.1%	72,5 k €	+123%	32,5 k €	-65.5%	94,2 k €	+2.1%	92,2 k €	+136%	39,1 k €	+59.1%	24,6 k €	-37.0%	39 k €	+42.8%	27,3 k €	+240%	8 k €	-36.6%	12,7 k €
Net result	162,5 k €	+9.5%	148,3 k €	-18.1%	181,1 k €	-30.0%	258,6 k €	+87.8%	137,7 k €	+182%	48,8 k €	-30.4%	70,1 k €	+27.0%	55,2 k €	+33.9%	41,2 k €	+284%	10,7 k €	-77.5%	47,7 k €	+268%	12,9 k €	-79.2%	62,1 k €	-3.0%	64 k €	+225%	19,7 k €	+59.5%	12,4 k €	-60.8%	31,5 k €	+57.0%	20,1 k €	+265269%	-7,6 €	-100%	6,9 k €
Balance sheet
Equity	71,7 k €	+21.0%	59,2 k €	-56.4%	135,9 k €	+60.4%	84,7 k €	-49.0%	166,1 k €	+42.7%	116,4 k €	+72.1%	67,7 k €	+0.1%	67,6 k €	+17.7%	57,4 k €	+4.9%	54,7 k €	-30.7%	79 k €	+7.4%	73,5 k €	-18.8%	90,6 k €	+218%	28,4 k €	-49.6%	56,4 k €	+41.3%	39,9 k €	+44.9%	27,6 k €	-0.3%	27,6 k €	-32.7%	41,1 k €	-36.9%	65,1 k €
Total assets	220,8 k €	-16.2%	263,3 k €	-20.2%	330 k €	+17.8%	280,3 k €	-66.9%	846,4 k €	+196%	285,8 k €	-15.4%	337,8 k €	+20.7%	279,9 k €	-1.1%	283,1 k €	-6.2%	301,8 k €	+153%	119,4 k €	+4.5%	114,3 k €	-15.6%	135,5 k €	-28.6%	189,7 k €	+65.4%	114,7 k €	+3.8%	110,5 k €	-19.1%	136,6 k €	-20.6%	172,1 k €	-6.3%	183,6 k €	-0.3%	184,2 k €
Cash	71 k €	+20.2%	59,1 k €	-46.4%	110,3 k €	+88.3%	58,6 k €	-8.9%	64,3 k €	-11.4%	72,6 k €	-12.7%	83,2 k €	+26.0%	66 k €	+66.5%	39,7 k €	+4.3%	38 k €	-54.6%	83,8 k €	+39.8%	60 k €	-10.9%	67,3 k €	-35.2%	103,8 k €	+73.4%	59,9 k €	-18.0%	73,1 k €	+22.2%	59,8 k €	+10.1%	54,3 k €	+47.3%	36,9 k €	-39.4%	60,8 k €
Debts	149,1 k €	-27.0%	204,1 k €	+5.1%	194,2 k €	-0.7%	195,5 k €	-71.2%	678,9 k €	+304%	168,1 k €	-37.4%	268,3 k €	+27.2%	210,9 k €	-6.6%	225,7 k €	-8.6%	246,9 k €	+515%	40,2 k €	-0.9%	40,5 k €	-9.2%	44,6 k €	-72.3%	161 k €	+177%	58,1 k €	-17.2%	70,1 k €	-35.5%	108,7 k €	-24.6%	144,2 k €	+1.2%	142,5 k €	+20.3%	118,5 k €
Other
Workforce	2,3 ETP	-8.0%	2,5 ETP	+108%	1,2 ETP	-7.7%	1,3 ETP	-13.3%	1,5 ETP	+50.0%	1,0 ETP	-16.7%	1,2 ETP	+9.1%	1,1 ETP	-35.3%	1,7 ETP	+70.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	+11.1%	0,9 ETP	+12.5%	0,8 ETP	-46.7%	1,5 ETP	+36.4%	1,1 ETP	+37.5%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 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 · 2 active · 17 ended

Active mandates

CINDY DELNOOZ ASSURANCES

Managing director · 0799.824.485

Represented by Cindy DELNOOZ

Active

LIM ASSUR

Managing director · 0655.724.750

Represented by Jean-Christophe VRONEN

Active

Ended mandates

CINDY DELNOOZ ASSURANCES

Managing director · since 31 mars 2023 · 0799.824.485

Represented by Cindy DELNOOZ

Ended

Carabin Ornella Assurances

Managing director · since 07 octobre 2021 · 0773.581.928

Represented by Ornella CARABIN

Ended

Colyn Camille Assurances

Managing director · since 07 octobre 2021 · 0773.582.225

Represented by Camille COLYN

Ended

COLYN VINCENT ASSURANCES

Managing director · since 07 octobre 2021 · 0475.985.631

Represented by Vincent COLYN

Ended

At this address

Other companies at this address

Company	CBE no.
UTVA NVALA● Active	0775.690.588

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	25/08/2026	28/05/2025	26/07/2024	26/05/2023	20/06/2022	02/04/2021
General meeting	30/06/2026	28/05/2025	28/06/2024	25/05/2023	04/06/2022	01/04/2021
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	30/06/2026	25/08/2026	French	PDF
Abridged model	31/12/2024	28/05/2025	28/05/2025	French	PDF
Abridged model	31/12/2023	28/06/2024	26/07/2024	French	PDF
Abridged model	31/12/2022	25/05/2023	26/05/2023	French	PDF
Abridged model	31/12/2021	04/06/2022	20/06/2022	French	PDF
Abridged model	31/12/2020	01/04/2021	02/04/2021	French	PDF
Abridged model	31/12/2019	20/04/2020	08/05/2020	French	PDF
Abridged model	31/12/2018	01/03/2019	31/05/2019	French	PDF
Abridged model	31/12/2017	03/04/2018	04/04/2018	French	PDF
Abridged model	31/12/2016	28/03/2017	31/03/2017	French	PDF
Abridged model	31/12/2015	12/02/2016	18/05/2016	French	PDF
Abridged model	31/12/2014	24/03/2015	29/05/2015	French	PDF
Abridged model	31/12/2013	12/03/2014	09/04/2014	French	PDF
Abridged model	31/12/2012	15/02/2013	11/03/2013	French	PDF
Abridged model	31/12/2011	29/03/2012	03/04/2012	French	PDF
Abridged model	31/12/2010	20/06/2011	22/06/2011	French	PDF
Abridged model	31/12/2009	25/03/2010	29/03/2010	French	PDF
Abridged model	31/12/2008	06/06/2009	19/06/2009	French	PDF
Abridged model	31/12/2007	11/03/2008	18/03/2008	French	PDF
Abridged model	31/12/2006	02/06/2007	12/06/2007	French	PDF

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 · 2 active · 17 ended

Active mandates

CINDY DELNOOZ ASSURANCES

Managing director · 0799.824.485

Represented by Cindy DELNOOZ

Active

LIM ASSUR

Managing director · 0655.724.750

Represented by Jean-Christophe VRONEN

Active

Ended mandates

CINDY DELNOOZ ASSURANCES

Managing director · since 31 mars 2023 · 0799.824.485

Represented by Cindy DELNOOZ

Ended

Carabin Ornella Assurances

Managing director · since 07 octobre 2021 · 0773.581.928

Represented by Ornella CARABIN

Ended

Colyn Camille Assurances

Managing director · since 07 octobre 2021 · 0773.582.225

Represented by Camille COLYN

Ended

COLYN VINCENT ASSURANCES

Managing director · since 07 octobre 2021 · 0475.985.631

Represented by Vincent COLYN

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates06/07/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates05/02/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates21/04/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates17/10/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates18/10/2021
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DIVERS - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates22/04/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates29/05/2020
DEMISSIONS, NOMINATIONS
PDF
Registered office18/10/2016
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 2025162,5 k €↑
2024
Annual accounts 2024148,3 k €↓
2023
Annual accounts 2023181,1 k €↓
2022
Annual accounts 2022258,6 k €↑
2021
Annual accounts 2021137,7 k €↑
2021
Name changeAléas Assurances
2020
Annual accounts 202048,8 k €↓
2019
Annual accounts 201970,1 k €↑
2018
Annual accounts 201855,2 k €↑
2017
Annual accounts 201741,2 k €↑
2016
Annual accounts 201610,7 k €↓
2016
Name changeNELIS - VRONEN ASSURANCES
2015
Annual accounts 201547,7 k €↑
2014
Annual accounts 201412,9 k €↓
2013
Annual accounts 201362,1 k €↓
2012
Annual accounts 201264 k €↑
2011
Annual accounts 201119,7 k €↑
2010
Annual accounts 201012,4 k €↓
2009
Annual accounts 200931,5 k €↑
2008
Annual accounts 200820,1 k €↑
2007
Annual accounts 2007-7,6 €↓
2006
Annual accounts 20066,9 k €
2006
Name changeNELIS Jean-Pierre
29/03/2001
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

Aléas Assurances

Overview

What does Aléas Assurances 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