ACTIVE

FD CONSEILS

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Financial year 2025 · closed on 31/12/2025

Net result

18,7 k €

+48.3% YoY

Gross margin

499,4 k €

-12.0% YoY

Equity

113,8 k €

+19.7% YoY

What does FD CONSEILS do?

FD CONSEILS is a Private limited company incorporated in 2002. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Chapelle-lez-Herlaimont.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0477.952.553

Incorporation

10/07/2002

Legal form

Private limited company

Registered office

Rue Robert 35
7160 Chapelle-lez-Herlaimont · 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

Joint committees (1)

Signals

ProfitableLow riskPositive 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	499,4 k €	-12.0%	567,2 k €	+22.1%	464,4 k €	-2.5%	476,5 k €	+3.4%	460,9 k €	+3.4%	445,9 k €	+89.6%	235,1 k €	+15.3%	203,9 k €	-13.4%	235,5 k €	-5.9%	250,2 k €	-7.4%	270,2 k €	-9.8%	299,6 k €	-13.6%	346,5 k €	+5.0%	330,2 k €	+7.7%	306,5 k €	-8.2%	334 k €	+48.1%	225,5 k €	+74.5%	129,2 k €	+18.2%	109,3 k €	+31.8%	82,9 k €
EBITDA	475,1 k €	-12.7%	543,9 k €	+21.7%	447,1 k €	-1.5%	453,9 k €	+3.7%	437,7 k €	+3.2%	424,2 k €	+98.1%	214,1 k €	+16.8%	183,3 k €	-14.5%	214,5 k €	-11.7%	242,8 k €	-9.2%	267,5 k €	-9.8%	296,5 k €	-13.6%	343,2 k €	+8.3%	316,9 k €	+15.2%	275,1 k €	-9.7%	304,6 k €	+47.4%	206,6 k €	+55.9%	132,6 k €	+26.9%	104,5 k €	+169%	38,8 k €
Operating result	444,9 k €	-14.0%	517,5 k €	+22.0%	424,1 k €	-5.8%	450,2 k €	+4.7%	430,2 k €	+4.5%	411,8 k €	+104%	201,7 k €	+18.0%	170,9 k €	-14.6%	200,2 k €	-12.3%	228,2 k €	-0.0%	228,2 k €	-2.8%	234,8 k €	-14.6%	275 k €	+7.3%	256,2 k €	+13.6%	225,5 k €	-5.9%	239,5 k €	+30.4%	183,6 k €	+71.5%	107,1 k €	+32.5%	80,8 k €	+345%	18,2 k €
Net result	18,7 k €	+48.3%	12,6 k €	+24.6%	10,1 k €	+32.2%	7,7 k €	+15.6%	6,6 k €	+153%	2,6 k €	+80.7%	1,4 k €	-32.2%	2,1 k €	-80.2%	10,8 k €	+26.1%	8,6 k €	-8.1%	9,3 k €	+30.1%	7,2 k €	+0.5%	7,1 k €	-11.2%	8 k €	+75.8%	4,6 k €	-66.8%	13,8 k €	+293%	-7,1 k €	-163%	11,3 k €	+36.6%	8,3 k €	-19.3%	10,2 k €
Balance sheet
Equity	113,8 k €	+19.7%	95,1 k €	+15.3%	82,5 k €	-23.7%	108,1 k €	+7.6%	100,4 k €	+7.1%	93,8 k €	+2.9%	91,2 k €	+1.6%	89,8 k €	+2.4%	87,6 k €	+14.1%	76,8 k €	+12.6%	68,2 k €	-54.5%	150 k €	+4.9%	142,9 k €	+5.3%	135,8 k €	+6.3%	127,8 k €	+3.7%	123,2 k €	+12.6%	109,5 k €	-6.1%	116,6 k €	+10.7%	105,3 k €	+8.5%	97,1 k €
Total assets	382,5 k €	+42.7%	268,1 k €	-6.2%	285,7 k €	+19.1%	239,8 k €	+48.9%	161,1 k €	-2.3%	164,9 k €	-14.3%	192,3 k €	+5.6%	182,1 k €	-9.3%	200,7 k €	+10.7%	181,4 k €	+19.6%	151,6 k €	-33.6%	228,4 k €	-7.5%	246,8 k €	-12.0%	280,6 k €	-18.5%	344,3 k €	+9.4%	314,8 k €	+53.3%	205,4 k €	+21.9%	168,5 k €	+1.6%	165,8 k €	-3.6%	172 k €
Cash	142,8 k €	+3.2%	138,4 k €	-3.5%	143,4 k €	+1.8%	140,9 k €	+23.6%	114 k €	+0.6%	113,3 k €	-21.6%	144,5 k €	+29.7%	111,4 k €	-11.5%	125,9 k €	+3.1%	122,1 k €		–		135,5 k €	+44.2%	93,9 k €	+13.2%	83 k €	+28.7%	64,5 k €	-20.1%	80,7 k €	+2.4%	78,9 k €	+88.4%	41,8 k €	+116%	19,4 k €	+16.0%	16,7 k €
Debts	268,7 k €	+62.0%	165,9 k €	-14.9%	195 k €	+62.0%	120,3 k €	+144%	49,2 k €	-11.1%	55,4 k €	-43.8%	98,6 k €	+10.5%	89,3 k €	-19.8%	111,4 k €	+15.7%	96,3 k €	+36.7%	70,5 k €	+3.5%	68,1 k €	-24.4%	90,1 k €	-20.0%	112,5 k €	-27.3%	154,8 k €	+10.1%	140,6 k €	+205%	46,2 k €	+67.0%	27,6 k €	-54.3%	60,5 k €	-19.3%	75 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		–		–		–		0,2 ETP	-60.0%	0,5 ETP	0.0%	0,5 ETP	-50.0%	1,0 ETP		–		0,3 ETP	-80.0%	1,5 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 · 3 active · 13 ended

Active mandates

Arnaud De Ganseman

Director

Active

Dominique Bruniaux

Associate

Active

Pierre De Ganseman

Director

Active

Ended mandates

Arnaud De Ganseman

Associate

Ended

ARNAUD DE GANSEMAN

Manager

Ended

ARNAUD DEGANSMAN

Manager

Ended

Audrey De Ganseman

Associate

Ended

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	13/06/2026	19/05/2025	24/05/2024	16/06/2023	16/06/2022	02/06/2021
General meeting	18/05/2026	19/05/2025	20/05/2024	15/05/2023	16/05/2022	17/05/2021
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

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	18/05/2026	13/06/2026	French	PDF
Micro model	31/12/2024	19/05/2025	19/05/2025	French	PDF
Micro model	31/12/2023	20/05/2024	24/05/2024	French	PDF
Micro model	31/12/2022	15/05/2023	16/06/2023	French	PDF
Micro model	31/12/2021	16/05/2022	16/06/2022	French	PDF
Micro model	31/12/2020	17/05/2021	02/06/2021	French	PDF
Micro model	31/12/2019	18/05/2020	27/08/2020	French	PDF
Micro model	31/12/2018	20/05/2019	05/08/2019	French	PDF
Micro model	31/12/2017	22/05/2018	24/08/2018	French	PDF
Micro model	31/12/2016	15/05/2017	29/08/2017	French	PDF
Abridged model	31/12/2015	13/05/2016	30/08/2016	French	PDF
Abridged model	31/12/2014	13/05/2015	26/08/2015	French	PDF
Abridged model	31/12/2013	13/05/2014	25/08/2014	French	PDF
Abridged model	31/12/2012	20/05/2013	22/08/2013	French	PDF
Abridged model	31/12/2011	14/05/2012	30/08/2012	French	PDF
Abridged model	31/12/2010	13/05/2011	25/08/2011	French	PDF
Abridged modelCorrection	31/12/2009	13/05/2010	21/09/2010	French	PDF
Abridged model	31/12/2009	13/05/2010	12/08/2010	French	PDF
Abridged model	31/12/2008	13/05/2009	27/08/2009	French	PDF
Abridged model	31/12/2007	14/05/2008	26/08/2008	French	PDF
Abridged model	31/12/2006	14/05/2007	22/08/2007	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 · 3 active · 13 ended

Active mandates

Arnaud De Ganseman

Director

Active

Dominique Bruniaux

Associate

Active

Pierre De Ganseman

Director

Active

Ended mandates

Arnaud De Ganseman

Associate

Ended

ARNAUD DE GANSEMAN

Manager

Ended

ARNAUD DEGANSMAN

Manager

Ended

Audrey De Ganseman

Associate

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates04/01/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Mandates26/11/2021
SIEGE SOCIAL - ADRESSE AUTRE QUE SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates19/07/2013
DEMISSIONS, NOMINATIONS
PDF
Mandates05/12/2012
DEMISSIONS, NOMINATIONS
PDF
Mandates03/02/2012
ADRESSE AUTRE QUE SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates23/11/2011
DEMISSIONS, NOMINATIONS
PDF
Mandates25/09/2008
DENOMINATION - SIEGE SOCIAL - ADRESSE AUTRE QUE SIEGE SOCIAL - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates19/11/2007
DEMISSIONS, NOMINATIONS
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 202518,7 k €↑
2024
Annual accounts 202412,6 k €↑
2023
Annual accounts 202310,1 k €↑
2022
Annual accounts 20227,7 k €↑
2021
Annual accounts 20216,6 k €↑
2020
Annual accounts 20202,6 k €↑
2019
Annual accounts 20191,4 k €↓
2018
Annual accounts 20182,1 k €↓
2017
Annual accounts 201710,8 k €↑
2016
Annual accounts 20168,6 k €↓
2015
Annual accounts 20159,3 k €↑
2014
Annual accounts 20147,2 k €↑
2013
Annual accounts 20137,1 k €↓
2012
Annual accounts 20128 k €↑
2011
Annual accounts 20114,6 k €↓
2010
Annual accounts 201013,8 k €↑
2009
Annual accounts 2009-7,1 k €↓
2008
Annual accounts 200811,3 k €↑
2007
Annual accounts 20078,3 k €↓
2006
Annual accounts 200610,2 k €
10/07/2002
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

FD CONSEILS

Overview

What does FD CONSEILS 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