ACTIVE

LWL ASSURANCES

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Financial year 2025 · closed on 31/12/2025

Net result

1,1 M €

+3.5% YoY

Gross margin

2,1 M €

+19.8% YoY

Equity

288,3 k €

-1.7% YoY

Workforce

12,1 ETP

+6.1% YoY

What does LWL ASSURANCES do?

LWL ASSURANCES is a Private limited company incorporated in 2003. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Stavelot. It employs on average 12,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0479.852.367

Incorporation

26/03/2003

Legal form

Private limited company

Registered office

Route de Malmedy 13 box B
4970 Stavelot · WallonieSee on map

Contributed capital

41 534,00 €

Latest accounts

31/12/2025

Average workforce

12,1 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 17 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2015		2014		2013		2012		2011		2010		2009		2008
Income statement
Gross margin	2,1 M €	+19.8%	1,7 M €	+26.0%	1,4 M €	+22.0%	1,1 M €	+8.5%	1 M €	+15.2%	905,1 k €	+14.6%	789,5 k €	+45.2%	543,9 k €	+41.1%	385,5 k €	-17.1%	464,7 k €	+12.4%	413,6 k €	+12.2%	368,6 k €	+12.5%	327,7 k €	+18.8%	275,7 k €	+70.0%	162,2 k €	+5.6%	153,6 k €	+27.9%	120,1 k €
EBITDA	1,3 M €	+20.7%	1,1 M €	+36.5%	817,4 k €	+20.0%	681 k €	+9.6%	621,4 k €	+15.9%	536,2 k €	+6.3%	504,6 k €	+64.9%	306 k €	+73.1%	176,8 k €	-43.5%	313,2 k €	+11.2%	281,7 k €	+15.6%	243,7 k €	+22.1%	199,7 k €	+20.0%	166,3 k €	+48.5%	112 k €	-12.7%	128,2 k €	+27.2%	100,8 k €
Operating result	1,2 M €	+16.4%	988,1 k €	+43.6%	688,2 k €	+24.5%	552,9 k €	+10.2%	501,9 k €	+18.2%	424,5 k €	+9.4%	388,2 k €	+53.2%	253,3 k €	+120%	115,3 k €	-48.0%	221,9 k €	+14.9%	193,2 k €	+14.7%	168,4 k €	+138%	70,7 k €	-14.1%	82,3 k €	+61.2%	51 k €	-32.2%	75,3 k €	+58.4%	47,5 k €
Net result	1,1 M €	+3.5%	1,1 M €	+50.0%	737,5 k €	+21.1%	608,9 k €	+8.1%	563,1 k €	+26.5%	445,2 k €	+19.4%	372,9 k €	+49.1%	250 k €	+119%	114,2 k €	-17.9%	139 k €	+21.5%	114,5 k €	+12.5%	101,8 k €	+196%	34,4 k €	-15.5%	40,7 k €	+80.7%	22,5 k €	-39.7%	37,4 k €	+187%	13 k €
Balance sheet
Equity	288,3 k €	-1.7%	293,3 k €	+97.1%	148,9 k €	+0.0%	148,8 k €	+0.6%	147,9 k €	+3.6%	142,9 k €	+46.3%	97,6 k €	+3.0%	94,8 k €	+0.0%	94,8 k €	-74.4%	370,2 k €	+50.9%	245,3 k €	+69.3%	144,9 k €	+17.6%	123,2 k €	-34.7%	188,8 k €	+23.2%	153,3 k €	+17.2%	130,7 k €	+40.0%	93,3 k €
Total assets	2,1 M €	+47.7%	1,4 M €	+7.4%	1,3 M €	-4.4%	1,4 M €	-1.9%	1,4 M €	-0.9%	1,4 M €	+6.3%	1,3 M €	+66.7%	786,9 k €	+117%	363,3 k €	-55.7%	820,4 k €	+5.4%	778,4 k €	+22.4%	635,9 k €	-2.6%	652,6 k €	-4.7%	685,1 k €	+40.8%	486,7 k €	-1.2%	492,8 k €	-4.6%	516,3 k €
Cash	160,1 k €	+10.5%	144,9 k €	+30.6%	111 k €	+7.0%	103,7 k €	+2.7%	101 k €	+185%	35,5 k €	+23.0%	28,8 k €	-74.0%	110,9 k €	-26.3%	150,6 k €	+148%	60,7 k €	-31.4%	88,4 k €	+223%	27,4 k €	+156%	10,7 k €	-82.0%	59,4 k €	+247%	17,1 k €	+155%	6,7 k €	+38672%	17,3 €
Debts	1,7 M €	+61.8%	1,1 M €	-5.2%	1,1 M €	-5.2%	1,2 M €	-3.0%	1,2 M €	-1.6%	1,2 M €	+3.4%	1,2 M €	+76.1%	678,8 k €	+165%	256,1 k €	-41.7%	439,3 k €	-15.7%	521,2 k €	+10.2%	472,8 k €	-8.4%	515,9 k €	+6.1%	486,1 k €	+45.8%	333,4 k €	-7.9%	362 k €	-14.4%	422,9 k €
Other
Workforce	12,1 ETP	+6.1%	11,4 ETP	+16.3%	9,8 ETP	+15.3%	8,5 ETP	+9.0%	7,8 ETP	+18.2%	6,6 ETP	+17.9%	5,6 ETP	+30.2%	4,3 ETP	+7.5%	4,0 ETP	+100%	2,0 ETP	-4.8%	2,1 ETP	+16.7%	1,8 ETP	+5.9%	1,7 ETP	0.0%	1,7 ETP	+143%	0,7 ETP	+75.0%	0,4 ETP	+33.3%	0,3 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 12 ended

Active mandates

S. GALLE MANAGEMENT

Director · 0657.840.142

Represented by Sylvain GALLE

Active

S.LEMAIRE MANAGEMENT

Director · 0662.390.333

Represented by Sébastien LEMAIRE

Active

Ended mandates

S. GALLE MANAGEMENT

Manager · since 10 octobre 2016 · 0657.840.142

Represented by Sylvain GALLE

Ended

S. GALLE MANAGEMENT

Director · since 10 octobre 2016 · 0657.840.142

Represented by Sylvain GALLE

Ended

S.LEMAIRE MANAGEMENT

Manager · since 10 octobre 2016 · 0662.390.333

Represented by Sébastien LEMAIRE

Ended

S.LEMAIRE MANAGEMENT

Director · since 10 octobre 2016 · 0662.390.333

Represented by Sébastien LEMAIRE

Ended

At this address

Other companies at this address

Company	CBE no.
LWL IMMO● Active	0779.602.460
LWL Unité● Active	0669.925.550

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	19/08/2026	12/08/2025	13/08/2024	11/07/2023	28/06/2022	12/08/2021
General meeting	15/06/2026	16/06/2025	15/06/2024	15/06/2023	15/06/2022	15/06/2021
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	15/06/2026	19/08/2026	French	PDF
Abridged model	31/12/2024	16/06/2025	12/08/2025	French	PDF
Abridged model	31/12/2023	15/06/2024	13/08/2024	French	PDF
Abridged model	31/12/2022	15/06/2023	11/07/2023	French	PDF
Abridged model	31/12/2021	15/06/2022	28/06/2022	French	PDF
Abridged model	31/12/2020	15/06/2021	12/08/2021	French	PDF
Abridged model	31/12/2019	15/06/2020	13/08/2020	French	PDF
Abridged model	31/12/2018	17/06/2019	13/08/2019	French	PDF
Abridged model	31/12/2017	15/06/2018	26/07/2018	French	PDF
Abridged model	31/12/2016	15/06/2017	14/07/2017	French	PDF
Abridged model	31/12/2015	15/06/2016	27/06/2016	French	PDF
Abridged model	31/12/2014	15/06/2015	14/07/2015	French	PDF
Abridged model	31/12/2013	16/06/2014	15/07/2014	French	PDF
Abridged model	31/12/2012	17/06/2013	24/07/2013	French	PDF
Abridged model	31/12/2011	15/06/2012	06/07/2012	French	PDF
Abridged model	31/12/2010	15/06/2011	28/06/2011	French	PDF
Abridged model	31/12/2009	15/06/2010	08/07/2010	French	PDF
Abridged model	31/12/2008	15/06/2009	13/07/2009	French	PDF
Abridged model	31/12/2007	16/06/2008	20/06/2008	French	PDF
Abridged model	31/12/2006	15/06/2007	03/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 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 · 2 active · 12 ended

Active mandates

S. GALLE MANAGEMENT

Director · 0657.840.142

Represented by Sylvain GALLE

Active

S.LEMAIRE MANAGEMENT

Director · 0662.390.333

Represented by Sébastien LEMAIRE

Active

Ended mandates

S. GALLE MANAGEMENT

Manager · since 10 octobre 2016 · 0657.840.142

Represented by Sylvain GALLE

Ended

S. GALLE MANAGEMENT

Director · since 10 octobre 2016 · 0657.840.142

Represented by Sylvain GALLE

Ended

S.LEMAIRE MANAGEMENT

Manager · since 10 octobre 2016 · 0662.390.333

Represented by Sébastien LEMAIRE

Ended

S.LEMAIRE MANAGEMENT

Director · since 10 octobre 2016 · 0662.390.333

Represented by Sébastien LEMAIRE

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Registered office24/10/2025
SIEGE SOCIAL
PDF
Restructuring30/06/2025
OBJET - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring15/04/2025
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates31/12/2021
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates29/11/2016
DEMISSIONS, NOMINATIONS
PDF
Restructuring21/09/2016
DENOMINATION - CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Other11/07/2016
DIVERS
PDF
Capital / shares15/01/2014
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
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 20251,1 M €↑
2024
Annual accounts 20241,1 M €↑
2023
Annual accounts 2023737,5 k €↑
2022
Annual accounts 2022608,9 k €↑
2021
Annual accounts 2021563,1 k €↑
2020
Annual accounts 2020445,2 k €↑
2019
Annual accounts 2019372,9 k €↑
2018
Annual accounts 2018250 k €↑
2017
Annual accounts 2017114,2 k €↓
2015
Annual accounts 2015139 k €↑
2014
Annual accounts 2014114,5 k €↑
2013
Annual accounts 2013101,8 k €↑
2012
Annual accounts 201234,4 k €↓
2011
Annual accounts 201140,7 k €↑
2010
Annual accounts 201022,5 k €↓
2009
Annual accounts 200937,4 k €↑
2008
Annual accounts 200813 k €
26/03/2003
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

LWL ASSURANCES

Overview

What does LWL ASSURANCES do?

Trend over 17 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