ACTIVE

LIFE & FINANCE BROKERAGE

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Financial year 2025 · Closed on 31/12/2025

Net result18 k €+191,1 %over 1 year

Gross margin385,9 k €-4,9 %over 1 year

Equity73,7 k €+32,3 %over 1 year

Workforce5,3 ETP-8,6 %over 1 year

Identity

Source · BCE/KBO

LIFE & FINANCE BROKERAGE is a Private limited company incorporated in 2003. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Silly. It employs on average 5,3 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0479.638.373
Incorporation: 25/02/2003
Legal form: Private limited company
Registered office: Place de Hoves(Hoves) 15
7830 Silly · WallonieSee on map
Contributed capital: 12 600,00 €
Latest accounts: 31/12/2025
Average workforce: 5,3 ETP

Activities (NACE)

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

Joint committees (1)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 18 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	385,9 k €	-4.9%	405,8 k €	+25.7%	322,8 k €	+7.1%	301,4 k €	+18.2%	254,9 k €
EBITDA	100,9 k €	+9.6%	92,1 k €	+18.4%	77,8 k €	-10.1%	86,5 k €	+17.3%	73,7 k €
Operating result	37,8 k €	+20.6%	31,4 k €	+36.5%	23 k €	+19.5%	19,2 k €	+21.5%	15,8 k €
Net result	18 k €	+191%	6,2 k €	+129%	2,7 k €	-8.5%	3 k €	-16.2%	3,5 k €
Balance sheet
Equity	73,7 k €	+32.3%	55,7 k €	+12.5%	49,5 k €	+5.8%	46,8 k €	+6.7%	43,8 k €
Total assets	775,2 k €	+44.8%	535,3 k €	-17.9%	651,9 k €	+4.3%	625,2 k €	+73.6%	360,1 k €
Cash	51,3 k €	+4.7%	49 k €	+27.5%	38,4 k €	+8.6%	35,4 k €	-16.8%	42,5 k €
Debts	543,7 k €	+27.7%	425,8 k €	-16.8%	511,7 k €	+10.4%	463,4 k €	+46.5%	316,2 k €
Other
Workforce	5,3 ETP	-8.6%	5,8 ETP	+11.5%	5,2 ETP	+8.3%	4,8 ETP	-2.0%	4,9 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

4 active · 5 ended

Active mandates

Jean Philippe Marchant

Director

Active

Pascal Delatte

Director

Active

Philippe De Jaeger

Director

Active

Pierre De Keyser

Director

Active

Ended mandates

Jean Philippe Marchant

Director · since 05 décembre 2019

Ended

Philippe De Jaeger

Director · since 05 décembre 2019

Ended

Pascal Delatte

Manager

Ended

Pierre De Keyser

Manager

Ended

Other companies at this address

Place de Hoves(Hoves) 15 7830 Silly

Company	CBE no.
LIFE & FINANCE CONSULT● Active	0478.852.772

Full financial information

Source · NBB

	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	18/06/2026	19/06/2025	17/07/2024	02/08/2023	30/08/2022	30/09/2021
General meeting	29/05/2026	13/05/2025	14/05/2024	09/05/2023	10/05/2022	11/05/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	29/05/2026	18/06/2026	French	PDF
Abridged model	31/12/2024	13/05/2025	19/06/2025	French	PDF
Abridged model	31/12/2023	14/05/2024	17/07/2024	French	PDF
Abridged model	31/12/2022	09/05/2023	02/08/2023	French	PDF
Abridged model	31/12/2021	10/05/2022	30/08/2022	French	PDF
Abridged model	31/12/2020	11/05/2021	30/09/2021	French	PDF
Abridged model	31/12/2019	12/05/2020	31/08/2020	French	PDF
Abridged model	31/12/2018	14/05/2019	30/08/2019	French	PDF
Abridged model	31/12/2017	08/05/2018	30/07/2018	French	PDF
Abridged model	31/12/2016	09/05/2017	24/07/2017	French	PDF
Abridged model	31/12/2015	10/05/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	28/04/2015	09/07/2015	French	PDF
Abridged model	31/12/2013	13/05/2014	18/07/2014	French	PDF
Abridged model	31/12/2012	14/05/2013	12/07/2013	French	PDF
Abridged model	31/12/2011	08/05/2012	16/07/2012	French	PDF
Abridged model	31/12/2010	10/05/2011	19/07/2011	French	PDF
Abridged model	31/12/2009	11/05/2010	08/06/2010	French	PDF
Abridged model	31/12/2008	12/05/2009	02/07/2009	French	PDF
Abridged model	31/12/2007	13/05/2008	29/08/2008	French	PDF
Abridged model	31/12/2006	11/07/2007	31/07/2007	French	PDF
Abridged model	31/12/2005	11/10/2006	09/03/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 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.

Board of directors

Source · NBB, accounts to 31/12/2025

4 active · 5 ended

Active mandates

Jean Philippe Marchant

Director

Active

Pascal Delatte

Director

Active

Philippe De Jaeger

Director

Active

Pierre De Keyser

Director

Active

Ended mandates

Jean Philippe Marchant

Director · since 05 décembre 2019

Ended

Philippe De Jaeger

Director · since 05 décembre 2019

Ended

Pascal Delatte

Manager

Ended

Pierre De Keyser

Manager

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates10/12/2019
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Restructuring27/07/2015
CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring26/05/2015
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates10/10/2005
DEMISSIONS, NOMINATIONS
PDF
Other24/01/2005
DIVERS
PDF
Other05/03/2003
RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
PDF

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A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

2025
Annual accounts 202518 k €↑
2024
Annual accounts 20246,2 k €↑
2023
Annual accounts 20232,7 k €↓
2022
Annual accounts 20223 k €↓
2021
Annual accounts 20213,5 k €↑
2020
Annual accounts 2020-14 k €↓
2019
Annual accounts 201923,8 k €↑
2018
Annual accounts 201811,1 k €↑
2017
Annual accounts 201722,8 €↓
2016
Annual accounts 201638,6 k €↑
2014
Annual accounts 20147,8 k €↑
2013
Annual accounts 2013-13,3 k €↓
2012
Annual accounts 20123,6 k €↑
2011
Annual accounts 20111,4 k €↑
2010
Annual accounts 2010-4,4 k €↑
2009
Annual accounts 2009-4,9 k €↓
2008
Annual accounts 2008243,8 €↓
2007
Annual accounts 200711,6 k €
25/02/2003
IncorporationPrivate limited company

LIFE & FINANCE BROKERAGE

Overview

Identity

Financials

Valuation

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

Timeline