ACTIVE

AJL-BCA

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Financial year 2025 · closed on 31/12/2025

Net result

8,7 k €

-73.1% YoY

Gross margin

306 k €

-0.5% YoY

Equity

183,2 k €

+5.1% YoY

What does AJL-BCA do?

AJL-BCA is a Private limited company incorporated in 2001. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Thuin.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0476.138.059

Incorporation

23/11/2001

Legal form

Private limited company

Registered office

Place du Chapitre(THN) 11
6530 Thuin · WallonieSee on map

Contributed capital

10 514,00 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Signals

ProfitablePositive 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	306 k €	-0.5%	307,5 k €	+39.3%	220,7 k €	+136%	93,4 k €	+32.0%	70,8 k €	+0.3%	70,6 k €	+19.3%	59,1 k €	-11.0%	66,5 k €	+2.4%	64,9 k €	+2.3%	63,5 k €	+36.8%	46,4 k €	-35.4%	71,8 k €	+26.1%	57 k €	-28.2%	79,4 k €	+15.5%	68,7 k €	-3.1%	70,9 k €	+82.1%	38,9 k €	+316%	9,3 k €	-63.5%	25,6 k €	-65.2%	73,7 k €
EBITDA	83,3 k €	-30.7%	120,3 k €	+44.2%	83,4 k €	+324%	19,7 k €	+56.7%	12,6 k €	-31.2%	18,3 k €	+47.5%	12,4 k €	+10.1%	11,2 k €	-36.2%	17,6 k €	-22.0%	22,6 k €	+371%	4,8 k €	-84.8%	31,7 k €	+127%	14 k €	-51.4%	28,7 k €	+14.9%	25 k €	-48.2%	48,2 k €	+41.5%	34,1 k €	+336%	7,8 k €	-68.3%	24,7 k €	-65.8%	72,1 k €
Operating result	24,7 k €	-58.5%	59,4 k €	+131%	25,8 k €	+272%	6,9 k €	+174%	-9,4 k €	-252%	6,2 k €	+284%	-3,4 k €	-66.0%	-2 k €	-123%	8,7 k €	-52.9%	18,5 k €	+12135%	-154 €	-101%	25,1 k €	+1408%	1,7 k €	-89.8%	16,3 k €	+76.5%	9,2 k €	-72.0%	33,1 k €	+41.7%	23,4 k €	+380%	-8,3 k €	-196%	8,7 k €	-85.5%	60 k €
Net result	8,7 k €	-73.1%	32,5 k €	+249%	9,3 k €	+6643%	-142 €	+98.9%	-12,5 k €	-680%	2,2 k €	+138%	-5,6 k €	-67.8%	-3,4 k €	-235%	2,5 k €	-72.3%	9 k €	+359%	-3,5 k €	-121%	16,9 k €	+1686%	-1,1 k €	-111%	9,9 k €	+118%	4,6 k €	-78.7%	21,5 k €	+51.8%	14,1 k €	+223%	-11,5 k €	-360%	4,4 k €	-90.1%	44,5 k €
Balance sheet
Equity	183,2 k €	+5.1%	174,3 k €	+22.9%	141,9 k €	+7.0%	132,6 k €	+3.1%	128,6 k €	-8.9%	141,1 k €	+1.6%	138,9 k €	-3.9%	144,6 k €	-2.3%	147,9 k €	+1.7%	145,4 k €	+6.6%	136,5 k €	-2.5%	139,9 k €	+13.7%	123,1 k €	-0.9%	124,1 k €	+8.7%	114,2 k €	+4.2%	109,6 k €	+24.3%	88,2 k €	+19.1%	74 k €	-13.4%	85,5 k €	+5.5%	81,1 k €
Total assets	630,4 k €	+14.7%	549,7 k €	-8.0%	597,8 k €	+218%	187,8 k €	+8.4%	173,2 k €	-9.4%	191,1 k €	+5.0%	182 k €	-1.7%	185,1 k €	-7.7%	200,6 k €	+16.4%	172,3 k €	-8.8%	189 k €	-7.8%	205 k €	+4.2%	196,8 k €	-3.9%	204,9 k €	-3.1%	211,4 k €	-7.9%	229,6 k €	+5.4%	217,8 k €	-10.0%	242 k €	-8.8%	265,5 k €	+60.2%	165,7 k €
Cash	1,4 k €	-97.1%	47,8 k €	+42.2%	33,6 k €	+302%	8,4 k €	+60.6%	5,2 k €	-80.3%	26,4 k €	+909%	2,6 k €	-68.7%	8,4 k €	+227%	2,6 k €	-79.7%	12,6 k €	+548%	1,9 k €	-84.8%	12,8 k €	-48.9%	25 k €	-21.4%	31,8 k €	+19.6%	26,6 k €	+14.5%	23,2 k €	-10.1%	25,9 k €	-18.4%	31,7 k €	-33.9%	47,9 k €	+20.9%	39,6 k €
Debts	447,2 k €	+19.1%	375,4 k €	-17.7%	455,9 k €	+726%	55,2 k €	+23.8%	44,6 k €	-10.7%	50 k €	+16.0%	43,1 k €	+6.3%	40,5 k €	-23.1%	52,7 k €	+138%	22,2 k €	-54.3%	48,5 k €	-24.0%	63,7 k €	-13.6%	73,8 k €	-8.6%	80,8 k €	-17.0%	97,3 k €	-18.9%	120 k €	-7.5%	129,7 k €	-22.8%	168 k €	-6.6%	180 k €	+113%	84,7 k €
Other
Workforce	–		3,7 ETP	+27.6%	2,9 ETP	+38.1%	2,1 ETP	+110%	1,0 ETP	0.0%	1,0 ETP		–		–		1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	+100%	0,5 ETP		–		–		0,0 ETP	-100%	0,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 5 ended

Active mandates

DAMIEN JACQUIEZ

Mandate

Active

Jean-Michel BEQUET

Mandate

Active

MATHIEU LOSSEAU

Mandate

Active

Ended mandates

DAMIEN JACQUIEZ

Manager

Ended

Henri FLORE

Mandate

Ended

JEAN-MICHEL BEQUET

Manager

Ended

MATHIEU LOSSEAU

Manager

Ended

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	11/06/2026	11/07/2025	25/06/2024	19/10/2023	24/05/2022	21/05/2021
General meeting	15/05/2026	23/05/2025	18/05/2024	19/05/2023	22/05/2022	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
Abridged model	31/12/2025	15/05/2026	11/06/2026	French	PDF
Abridged model	31/12/2024	23/05/2025	11/07/2025	French	PDF
Abridged model	31/12/2023	18/05/2024	25/06/2024	French	PDF
Abridged model	31/12/2022	19/05/2023	19/10/2023	French	PDF
Abridged model	31/12/2021	22/05/2022	24/05/2022	French	PDF
Abridged model	31/12/2020	21/05/2021	21/05/2021	French	PDF
Abridged model	31/12/2019	15/05/2020	25/06/2020	French	PDF
Abridged model	31/12/2018	17/05/2019	08/06/2019	French	PDF
Abridged model	31/12/2017	18/05/2018	26/06/2018	French	PDF
Abridged model	31/12/2016	19/05/2017	04/07/2017	French	PDF
Abridged model	31/12/2015	28/06/2016	17/08/2016	French	PDF
Abridged model	31/12/2014	23/06/2015	26/08/2015	French	PDF
Abridged model	31/12/2013	24/06/2014	04/09/2014	French	PDF
Abridged model	31/12/2012	25/06/2013	19/08/2013	French	PDF
Abridged model	31/12/2011	26/06/2012	21/08/2012	French	PDF
Abridged model	31/12/2010	28/06/2011	25/08/2011	French	PDF
Abridged model	31/12/2009	17/06/2010	24/08/2010	French	PDF
Abridged model	31/12/2008	15/05/2009	26/08/2009	French	PDF
Abridged model	31/12/2007	26/06/2008	03/07/2008	French	PDF
Abridged model	31/12/2006	25/03/2007	24/09/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

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 · 5 ended

Active mandates

DAMIEN JACQUIEZ

Mandate

Active

Jean-Michel BEQUET

Mandate

Active

MATHIEU LOSSEAU

Mandate

Active

Ended mandates

DAMIEN JACQUIEZ

Manager

Ended

Henri FLORE

Mandate

Ended

JEAN-MICHEL BEQUET

Manager

Ended

MATHIEU LOSSEAU

Manager

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates23/12/2025
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates07/09/2022
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - OBJET - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates10/04/2019
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates09/08/2016
DEMISSIONS, NOMINATIONS
PDF
Mandates22/05/2006
MODIFICATION FORME JURIDIQUE - DENOMINATION - ANNEE COMPTABLE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Registered office13/10/2003
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 20258,7 k €↓
2024
Annual accounts 202432,5 k €↑
2023
Annual accounts 20239,3 k €↑
2022
Annual accounts 2022-142 €↑
2022
Name changeAJL-BCA
2021
Annual accounts 2021-12,5 k €↓
2021
Name changeBUREAU CONSEIL ASSURANCES
2020
Annual accounts 20202,2 k €↑
2019
Annual accounts 2019-5,6 k €↓
2018
Annual accounts 2018-3,4 k €↓
2017
Annual accounts 20172,5 k €↓
2016
Annual accounts 20169 k €↑
2015
Annual accounts 2015-3,5 k €↓
2014
Annual accounts 201416,9 k €↑
2013
Annual accounts 2013-1,1 k €↓
2012
Annual accounts 20129,9 k €↑
2011
Annual accounts 20114,6 k €↓
2010
Annual accounts 201021,5 k €↑
2009
Annual accounts 200914,1 k €↑
2008
Annual accounts 2008-11,5 k €↓
2007
Annual accounts 20074,4 k €↓
2006
Annual accounts 200644,5 k €
23/11/2001
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

AJL-BCA

Overview

What does AJL-BCA do?

Trend over 20 financial years

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