ACTIVE

P.A. Conseils

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Financial year 2024 · closed on 31/12/2024

Net result

1,7 k €

-94.5% YoY

Gross margin

119,2 k €

-11.7% YoY

Equity

295,2 k €

+0.6% YoY

What does P.A. Conseils do?

P.A. Conseils is a Private limited company incorporated in 2003. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tournai.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0479.808.718

Incorporation

12/03/2003

Legal form

Private limited company

Registered office

Rue de Pont(TOU) 30-32
7500 Tournai · WallonieSee on map

Contributed capital

18 600,00 €

Latest accounts

31/12/2024

Activities (NACE)

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

Joint committees (2)

Contacts

1 public detail availableLog in to view

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	119,2 k €	-11.7%	135,1 k €	-15.0%	159 k €	-22.2%	204,3 k €	+14.9%	177,8 k €	+44.9%	122,7 k €	+0.4%	122,2 k €	+17.1%	104,4 k €	+64.6%	63,4 k €	-14.9%	74,5 k €	+7.8%	69,1 k €	-5.7%	73,2 k €	+48.9%	49,2 k €	+27.7%	38,5 k €	-39.1%	63,3 k €	-12.3%	72,2 k €	+12.9%	63,9 k €	-34.2%	97,2 k €	+121%	43,9 k €
EBITDA	55,8 k €	-41.0%	94,6 k €	-24.3%	124,9 k €	-26.3%	169,6 k €	+3.1%	164,5 k €	+106%	80 k €	+2.8%	77,9 k €	-21.0%	98,6 k €	+70.1%	57,9 k €	-16.1%	69,1 k €	+1109%	-6,8 k €	-120%	33,5 k €	+210%	10,8 k €	+716%	1,3 k €	-95.2%	27,3 k €	-28.1%	38 k €	+21.3%	31,3 k €	-63.4%	85,6 k €	+103%	42,1 k €
Operating result	5,3 k €	-91.4%	61,8 k €	-33.1%	92,3 k €	-32.9%	137,7 k €	+9.3%	126 k €	+218%	39,7 k €	+4.3%	38 k €	-45.9%	70,3 k €	+135%	30 k €	-29.3%	42,4 k €	+649%	-7,7 k €	-124%	32,6 k €	+527%	5,2 k €	+193%	-5,6 k €	-127%	20,4 k €	-35.4%	31,6 k €	+29.7%	24,3 k €	-68.8%	78 k €	+116%	36,1 k €
Net result	1,7 k €	-94.5%	30,3 k €	-50.2%	60,9 k €	-32.4%	90,1 k €	+6.8%	84,3 k €	+248%	24,2 k €	+5.8%	22,9 k €	-46.1%	42,4 k €	+233%	12,7 k €	+65.2%	7,7 k €	+237%	-5,6 k €	-124%	22,9 k €	+319%	5,5 k €	+233%	-4,1 k €	-126%	15,9 k €	-33.3%	23,9 k €	+37.6%	17,4 k €	-70.2%	58,2 k €	+168%	21,7 k €
Balance sheet
Equity	295,2 k €	+0.6%	293,5 k €	-16.8%	352,9 k €	+20.8%	292,1 k €	+44.6%	202 k €	+71.7%	117,7 k €	+3.3%	113,9 k €	+25.1%	91 k €	+87.3%	48,6 k €	+35.5%	35,9 k €	+27.4%	28,2 k €	-54.8%	62,3 k €	+50.0%	41,5 k €	-67.1%	126,1 k €	-4.8%	132,4 k €	+11.6%	118,7 k €	+22.4%	97 k €	+18.5%	81,8 k €	+184%	28,8 k €
Total assets	981,5 k €	+60.1%	613 k €	+5.3%	582,4 k €	+5.8%	550,2 k €	+22.0%	451 k €	+12.0%	402,7 k €	-0.5%	404,8 k €	+2.6%	394,7 k €	+4.9%	376,3 k €	+0.9%	372,9 k €	+421%	71,6 k €	-10.0%	79,6 k €	-47.6%	151,9 k €	-6.6%	162,6 k €	+0.9%	161,2 k €	+10.9%	145,3 k €	+16.0%	125,3 k €	+9.3%	114,7 k €	-38.7%	187,1 k €
Cash	116,9 k €	-44.9%	212,1 k €	-15.5%	251,1 k €	-7.5%	271,4 k €	+26.2%	215,1 k €	+89.1%	113,7 k €	+46.4%	77,7 k €	+23.5%	62,9 k €	+24.2%	50,6 k €	+92.7%	26,3 k €	-36.0%	41,1 k €	-36.9%	65,1 k €	-49.7%	129,4 k €	-3.3%	133,7 k €	+4.7%	127,8 k €	+10.1%	116,1 k €	+33.9%	86,7 k €	-1.7%	88,1 k €	-51.5%	181,9 k €
Debts	660,3 k €	+117%	303,9 k €	+32.7%	229,1 k €	-11.3%	258,1 k €	+3.7%	249 k €	-12.6%	285 k €	-1.5%	289,4 k €	-4.1%	301,6 k €	-7.9%	327,6 k €	-2.1%	334,8 k €	+670%	43,5 k €	+151%	17,3 k €	-83.8%	107,1 k €	+378%	22,4 k €	+3.0%	21,8 k €	+37.9%	15,8 k €	-27.7%	21,8 k €	+6.8%	20,5 k €	-86.1%	147,1 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		0,0 ETP	-100%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	0.0%	0,8 ETP	+100%	0,4 ETP		–

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 3 active · 10 ended

Active mandates

PIERRE-ALAIN RUCQUOIS

Managing director · since 17 novembre 2020

Active

SEBASTIEN LEBRUN

Director · since 17 novembre 2020 · until 15 avril 2025

Active

VIRGINIE LIENARD

Director · since 17 novembre 2020

Active

Ended mandates

SEBASTIEN LEBRUN

Director · since 17 novembre 2020

Ended

SEBASTIEN LEBRUN

Director · since 01 octobre 2019

Ended

ROXANE ALAVOINE

Director · since 01 octobre 2015

Ended

ROXANE ALAVOINE

Manager · since 01 octobre 2015

Ended

At this address

Other companies at this address

Company	CBE no.
PAC PATRIMOINE● Active	1008.436.546

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Micro 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	21/08/2025	30/08/2024	29/09/2023	08/08/2022	31/08/2021	29/09/2020
General meeting	12/08/2025	28/08/2024	20/09/2023	12/07/2022	31/08/2021	08/09/2020
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
Micro model	31/12/2024	12/08/2025	21/08/2025	French	PDF
Micro model	31/12/2023	28/08/2024	30/08/2024	French	PDF
Micro model	31/12/2022	20/09/2023	29/09/2023	French	PDF
Micro model	31/12/2021	12/07/2022	08/08/2022	French	PDF
Micro model	31/12/2020	31/08/2021	31/08/2021	French	PDF
Micro model	31/12/2019	08/09/2020	29/09/2020	French	PDF
Micro model	31/12/2018	23/08/2019	27/08/2019	French	PDF
Micro model	31/12/2017	22/08/2018	27/08/2018	French	PDF
Micro model	31/12/2016	23/08/2017	25/08/2017	French	PDF
Abridged model	31/12/2015	29/08/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	27/08/2015	27/08/2015	French	PDF
Abridged model	31/12/2013	31/05/2014	27/08/2014	French	PDF
Abridged model	31/12/2012	25/05/2013	14/08/2013	French	PDF
Abridged model	31/12/2011	26/05/2012	20/08/2012	French	PDF
Abridged model	31/12/2010	28/05/2011	16/08/2011	French	PDF
Abridged model	31/12/2009	29/05/2010	16/08/2010	French	PDF
Abridged model	31/12/2008	30/05/2009	22/07/2009	French	PDF
Abridged model	31/12/2007	31/05/2008	30/06/2008	French	PDF
Abridged model	31/12/2006	26/05/2007	05/07/2007	French	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2024 · 3 active · 10 ended

Active mandates

PIERRE-ALAIN RUCQUOIS

Managing director · since 17 novembre 2020

Active

SEBASTIEN LEBRUN

Director · since 17 novembre 2020 · until 15 avril 2025

Active

VIRGINIE LIENARD

Director · since 17 novembre 2020

Active

Ended mandates

SEBASTIEN LEBRUN

Director · since 17 novembre 2020

Ended

SEBASTIEN LEBRUN

Director · since 01 octobre 2019

Ended

ROXANE ALAVOINE

Director · since 01 octobre 2015

Ended

ROXANE ALAVOINE

Manager · since 01 octobre 2015

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates24/04/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates25/11/2020
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DEMISSIONS, NOMINATIONS
PDF
Mandates23/12/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates27/01/2017
DEMISSIONS, NOMINATIONS
PDF
Mandates26/10/2015
DENOMINATION - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates29/01/2015
DEMISSIONS, NOMINATIONS
PDF
Other27/03/2003
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 20241,7 k €↓
2023
Annual accounts 202330,3 k €↓
2022
Annual accounts 202260,9 k €↓
2021
Annual accounts 202190,1 k €↑
2020
Annual accounts 202084,3 k €↑
2019
Annual accounts 201924,2 k €↑
2018
Annual accounts 201822,9 k €↓
2017
Annual accounts 201742,4 k €↑
2016
Annual accounts 201612,7 k €↑
2015
Annual accounts 20157,7 k €↑
2014
Annual accounts 2014-5,6 k €↓
2013
Annual accounts 201322,9 k €↑
2012
Annual accounts 20125,5 k €↑
2011
Annual accounts 2011-4,1 k €↓
2010
Annual accounts 201015,9 k €↓
2009
Annual accounts 200923,9 k €↑
2008
Annual accounts 200817,4 k €↓
2007
Annual accounts 200758,2 k €↑
2006
Annual accounts 200621,7 k €
12/03/2003
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

P.A. Conseils

Overview

What does P.A. Conseils do?

Trend over 19 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