ACTIVE

ASB ASSUR

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Financial year 2024 · closed on 31/12/2024

Net result

172 k €

+20.6% YoY

Gross margin

400,5 k €

+38.4% YoY

Equity

227 k €

-17.5% YoY

Workforce

2,6 ETP

-10.3% YoY

What does ASB ASSUR do?

ASB ASSUR is a Private limited company incorporated in 2002. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Verviers. It employs on average 2,6 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0479.045.980

Incorporation

18/12/2002

Legal form

Private limited company

Registered office

Avenue Reine Astrid 116
4802 Verviers · WallonieSee on map

Contributed capital

12 400,00 €

Latest accounts

31/12/2024

Average workforce

2,6 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances 66199Other activities auxiliary to financial services, except insurance and pension funding 66199Other activities auxiliary to financial services, except insurance and pension funding

Joint committees (1)

Signals

ProfitableSolid equityLow riskPositive cashflowPositive EBITDAHealthy social debts

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✦ Verdict · Analyst summary

Financials

Trend over 18 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2010		2009		2008		2007		2006
Income statement
Gross margin	400,5 k €	+38.4%	289,4 k €	+7.1%	270,1 k €	-1.9%	275,4 k €	-6.7%	295,2 k €	-18.4%	361,7 k €	+3.2%	350,3 k €	-7.2%	377,3 k €	-10.0%	419,2 k €	+10.7%	378,5 k €	-14.0%	440,3 k €	+12.1%	392,8 k €	-8.4%	428,6 k €	+66.9%	256,9 k €	-13.2%	295,8 k €	+5.6%	280,2 k €	+21.2%	231,2 k €	+45.1%	159,3 k €
EBITDA	291,9 k €	+42.7%	204,7 k €	+5.6%	193,8 k €	+19.1%	162,7 k €	-17.4%	197 k €	-26.7%	268,9 k €	+24.3%	216,4 k €	-24.0%	284,7 k €	-6.8%	305,5 k €	+22.1%	250,3 k €	-22.9%	324,8 k €	+11.7%	290,8 k €	+4.3%	278,9 k €	+68.5%	165,5 k €	-18.1%	202 k €	+29.4%	156,2 k €	-3.1%	161,2 k €	+33.9%	120,3 k €
Operating result	232,9 k €	+24.3%	187,3 k €	-1.3%	189,9 k €	+37.6%	137,9 k €	-19.2%	170,7 k €	-29.5%	242,2 k €	+27.9%	189,3 k €	-26.3%	257 k €	-9.3%	283,2 k €	+25.1%	226,4 k €	-23.9%	297,6 k €	+27.4%	233,5 k €	+3.3%	226,2 k €	+94.8%	116,1 k €	-3.2%	119,9 k €	+58.6%	75,6 k €	-12.6%	86,5 k €	+3.5%	83,6 k €
Net result	172 k €	+20.6%	142,6 k €	+5.6%	135 k €	+32.9%	101,6 k €	-18.5%	124,7 k €	-26.9%	170,6 k €	+20.9%	141,2 k €	-15.4%	166,9 k €	-9.1%	183,7 k €	+28.4%	143,1 k €	-23.1%	186 k €	+24.9%	148,9 k €	-0.8%	150 k €	+53.3%	97,8 k €	+38.3%	70,7 k €	+28.2%	55,2 k €	-3.0%	56,9 k €	-0.7%	57,2 k €
Balance sheet
Equity	227 k €	-17.5%	275 k €	+0.9%	272,4 k €	+14.8%	237,4 k €	+43.2%	165,8 k €	-10.9%	186 k €	+6.1%	175,4 k €	+0.1%	175,2 k €	+15.8%	151,3 k €	+18.6%	127,5 k €	+35.0%	94,5 k €	+122%	42,5 k €	+43.6%	29,6 k €	+3.5%	28,6 k €	-0.5%	28,7 k €	-65.4%	83 k €	+182%	29,4 k €	-59.5%	72,6 k €
Total assets	562,9 k €	+14.7%	490,8 k €	+7.2%	458 k €	+32.3%	346,1 k €	-13.6%	400,5 k €	+5.1%	380,9 k €	+13.0%	337,1 k €	-2.5%	345,7 k €	-2.1%	353,1 k €	+30.6%	270,3 k €	-10.3%	301,3 k €	+27.9%	235,7 k €	-1.1%	238,4 k €	+13.8%	209,6 k €	-28.7%	293,8 k €	-2.2%	300,4 k €	-15.5%	355,3 k €	+94.7%	182,5 k €
Cash	122,3 k €	+31.2%	93,2 k €	-57.2%	217,6 k €	+102%	107,9 k €	-26.1%	146,1 k €	+35.3%	108 k €	-27.9%	149,7 k €	+107%	72,2 k €	+50.4%	48 k €	-5.5%	50,8 k €	+8.8%	46,7 k €	+757%	5,4 k €	-65.9%	16 k €	+17.8%	13,5 k €	-2.1%	13,8 k €	+7138%	191 €	-98.1%	10,2 k €	+6.4%	9,6 k €
Debts	335,9 k €	+55.7%	215,8 k €	+16.3%	185,6 k €	+72.2%	107,8 k €	-53.9%	233,7 k €	+19.9%	194,9 k €	+20.5%	161,8 k €	-5.1%	170,5 k €	-15.6%	201,9 k €	+41.4%	142,8 k €	-31.0%	206,9 k €	+7.1%	193,2 k €	-7.5%	208,8 k €	+15.5%	180,9 k €	-30.6%	260,5 k €	+20.8%	215,6 k €	-33.7%	325,3 k €	+196%	109,9 k €
Other
Workforce	2,6 ETP	-10.3%	2,9 ETP	-3.3%	3,0 ETP	-16.7%	3,6 ETP	+12.5%	3,2 ETP		–		–		–		–		3,1 ETP	+19.2%	2,6 ETP	-3.7%	2,7 ETP	-28.9%	3,8 ETP	+26.7%	3,0 ETP	-16.7%	3,6 ETP	-5.3%	3,8 ETP	+40.7%	2,7 ETP	+50.0%	1,8 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 31/12/2024 · 1 active · 3 ended

Active mandates

ASB ASSUR & ASSOCIES

Director · since 01 mars 2020 · 0739.548.784

Represented by Serge BOUGARD

Active

Ended mandates

Serge BOUGARD

Director · until 01 mars 2020

Ended

Serge BOUGARD

Administrator - manager

Ended

Serge BOUGARD

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
ASB ASSUR & ASSOCIES● Active	0739.548.784
ASB ASSUR UNITE● Active	0741.633.096

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Micro model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	03/07/2025	26/08/2024	23/06/2023	21/03/2023	23/06/2021	19/06/2020
General meeting	13/06/2025	14/06/2024	16/06/2023	10/06/2022	11/06/2021	12/06/2020
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

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	13/06/2025	03/07/2025	French	PDF
Abridged model	31/12/2023	14/06/2024	26/08/2024	French	PDF
Abridged model	31/12/2022	16/06/2023	23/06/2023	French	PDF
Abridged model	31/12/2021	10/06/2022	21/03/2023	French	PDF
Abridged model	31/12/2020	11/06/2021	23/06/2021	French	PDF
Micro model	31/12/2019	12/06/2020	19/06/2020	French	PDF
Micro model	31/12/2018	14/06/2019	31/08/2019	French	PDF
Micro model	31/12/2017	08/06/2018	19/06/2018	French	PDF
Micro model	31/12/2016	09/06/2017	12/06/2017	French	PDF
Abridged model	31/12/2015	10/06/2016	17/06/2016	French	PDF
Abridged model	31/12/2014	12/06/2015	24/06/2015	French	PDF
Abridged model	31/12/2013	13/06/2014	16/06/2014	French	PDF
Abridged model	31/12/2012	14/06/2013	20/06/2013	French	PDF
Abridged model	31/12/2011	08/06/2012	25/06/2012	French	PDF
Abridged model	31/12/2010	10/06/2011	29/06/2011	French	PDF
Abridged model	31/12/2009	11/06/2010	23/06/2010	French	PDF
Abridged model	31/12/2008	12/06/2009	24/06/2009	French	PDF
Abridged model	31/12/2007	13/06/2008	24/06/2008	French	PDF
Abridged model	31/12/2006	08/06/2007	12/07/2007	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 31/12/2024 · 1 active · 3 ended

Active mandates

ASB ASSUR & ASSOCIES

Director · since 01 mars 2020 · 0739.548.784

Represented by Serge BOUGARD

Active

Ended mandates

Serge BOUGARD

Director · until 01 mars 2020

Ended

Serge BOUGARD

Administrator - manager

Ended

Serge BOUGARD

Manager

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates10/01/2024
MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates27/03/2020
DEMISSIONS, NOMINATIONS - MODIFICATION FORME JURIDIQUE
PDF
Registered office29/01/2009
SIEGE SOCIAL
PDF
Other27/12/2002
RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
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

2024
Annual accounts 2024172 k €↑
2023
Annual accounts 2023142,6 k €↑
2022
Annual accounts 2022135 k €↑
2021
Annual accounts 2021101,6 k €↓
2020
Annual accounts 2020124,7 k €↓
2019
Annual accounts 2019170,6 k €↑
2018
Annual accounts 2018141,2 k €↓
2017
Annual accounts 2017166,9 k €↓
2016
Annual accounts 2016183,7 k €↑
2015
Annual accounts 2015143,1 k €↓
2014
Annual accounts 2014186 k €↑
2013
Annual accounts 2013148,9 k €↓
2012
Annual accounts 2012150 k €↑
2010
Annual accounts 201097,8 k €↑
2009
Annual accounts 200970,7 k €↑
2008
Annual accounts 200855,2 k €↓
2007
Annual accounts 200756,9 k €↓
2006
Annual accounts 200657,2 k €
18/12/2002
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

ASB ASSUR

Overview

What does ASB ASSUR 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