ACTIVE

FRANCOIS DROULEZ ASSURANCES

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Financial year 2025 · closed on 31/12/2025

Net result

43,3 k €

+22.1% YoY

Gross margin

270,4 k €

+12.1% YoY

Equity

55,8 k €

-10.7% YoY

Workforce

3,1 ETP

0.0% YoY

What does FRANCOIS DROULEZ ASSURANCES do?

FRANCOIS DROULEZ ASSURANCES is a Private limited company incorporated in 2003. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tournai. It employs on average 3,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0480.069.331

Incorporation

16/04/2003

Legal form

Private limited company

Registered office

Quai Andreï Sakharov(TOU) 30
7500 Tournai · WallonieSee on map

Contributed capital

12 400,00 €

Latest accounts

31/12/2025

Average workforce

3,1 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

ProfitableSolid equityLow riskGood liquidityPositive 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	270,4 k €	+12.1%	241,3 k €	+1.8%	236,9 k €	+13.7%	208,3 k €	-8.5%	227,6 k €	+11.9%	203,4 k €	-22.8%	263,6 k €	+171%	97,4 k €	+4.6%	93,1 k €	+60.4%	58 k €	-67.1%	176,6 k €	+4.6%	168,8 k €	+340%	38,4 k €	-72.9%	141,4 k €	+0.0%	141,4 k €	+26.3%	112 k €	+36.5%	82,1 k €	+22.2%	67,2 k €	+41.9%	47,3 k €	-12.4%	54 k €
EBITDA	68,1 k €	+17.9%	57,8 k €	-0.6%	58,1 k €	+20.1%	48,4 k €	-47.2%	91,8 k €	-9.5%	101,5 k €	-40.5%	170,6 k €	+252%	48,4 k €	-3.9%	50,4 k €	+292%	12,8 k €	-90.2%	131,5 k €	+1.6%	129,4 k €	+562378%	23 €	-100.0%	102,3 k €	+1.0%	101,3 k €	+29.4%	78,3 k €	+50.9%	51,9 k €	+2.5%	50,6 k €	+53.4%	33 k €	-30.9%	47,8 k €
Operating result	64,3 k €	+27.7%	50,4 k €	+5.7%	47,7 k €	+25.6%	38 k €	-53.3%	81,3 k €	-15.1%	95,7 k €	-42.8%	167,4 k €	+299%	42 k €	-1.9%	42,8 k €	+4688%	-933,3 €	-101%	116,6 k €	+11.9%	104,2 k €	+537%	-23,8 k €	-131%	77,3 k €	+1.0%	76,6 k €	+38.4%	55,3 k €	+51.3%	36,6 k €	+9.6%	33,4 k €	+116%	15,4 k €	+274%	4,1 k €
Net result	43,3 k €	+22.1%	35,5 k €	+9.9%	32,3 k €	+33.0%	24,3 k €	-58.8%	58,9 k €	-15.3%	69,6 k €	-39.3%	114,6 k €	+377%	24 k €	+36.2%	17,6 k €	+146%	-38,7 k €	-153%	73,3 k €	-24.0%	96,4 k €	+318%	-44,2 k €	-170%	62,9 k €	+22.8%	51,2 k €	+38.6%	37 k €	+123%	16,6 k €	+4.2%	15,9 k €	+196%	5,4 k €	+231%	-4,1 k €
Balance sheet
Equity	55,8 k €	-10.7%	62,5 k €	+0.8%	62 k €	-22.2%	79,8 k €	-6.7%	85,5 k €	+222%	26,5 k €	+56.2%	17 k €	+37.0%	12,4 k €	-93.3%	185,7 k €	+10.5%	168,1 k €	-18.7%	206,8 k €	+55.2%	133,2 k €	+262%	36,9 k €	-54.5%	81,1 k €	+347%	18,2 k €	+7.3%	16,9 k €	+93.6%	8,7 k €	+6.8%	8,2 k €	-58.6%	19,8 k €	+37.2%	14,4 k €
Total assets	85,7 k €	-2.8%	88,2 k €	+0.8%	87,4 k €	-13.6%	101,2 k €	-6.0%	107,7 k €	-6.5%	115,2 k €	-36.6%	181,7 k €	+533%	28,7 k €	-87.1%	221,7 k €	+3.8%	213,7 k €	-19.2%	264,6 k €	+9.6%	241,4 k €	+52.8%	158 k €	-25.3%	211,3 k €	-13.0%	243 k €	+2.5%	237,2 k €	+15.0%	206,3 k €	-8.4%	225,1 k €	+0.9%	223,2 k €	-8.5%	243,8 k €
Cash	17,8 k €	-54.4%	39,1 k €	-2.0%	39,9 k €	+33.8%	29,8 k €	-26.0%	40,3 k €	+0.8%	40 k €	-68.7%	127,6 k €	+3279%	3,8 k €	-97.0%	127 k €	+44.3%	88 k €	-43.1%	154,7 k €	+43.8%	107,6 k €	+234%	32,2 k €	-32.2%	47,5 k €	-23.7%	62,2 k €	+39.2%	44,7 k €	+51.9%	29,4 k €	-41.1%	50 k €	-13.4%	57,7 k €	+596%	8,3 k €
Debts	29,4 k €	+14.5%	25,6 k €	+0.9%	25,4 k €	+18.6%	21,4 k €	-3.5%	22,2 k €	-74.9%	88,6 k €	-46.2%	164,7 k €	+910%	16,3 k €	-54.7%	36 k €	-21.1%	45,6 k €	-21.0%	57,8 k €	-31.4%	84,2 k €	-19.9%	105,1 k €	-19.3%	130,2 k €	-42.1%	224,9 k €	+2.1%	220,2 k €	+11.5%	197,5 k €	-8.9%	216,9 k €	+6.7%	203,4 k €	-3.8%	211,4 k €
Other
Workforce	3,1 ETP	0.0%	3,1 ETP	+3.3%	3,0 ETP	0.0%	3,0 ETP	+3.4%	2,9 ETP		–		–		–		–		–		–		0,9 ETP	0.0%	0,9 ETP	+12.5%	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	-11.1%	0,9 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 7 ended

Active mandates

TESSE SYLVAIN

Director · 0462.806.794

Active

Ended mandates

F.D. HOLDING

Manager · since 28 novembre 2008 · 0808.253.092

Represented by François Droulez

Ended

François DROULEZ

Manager · since 29 avril 2003 · until 31 décembre 2010

Ended

François DROULEZ

Manager · since 29 avril 2003

Ended

F.D. HOLDING

Manager · 0808.253.092

Represented by FRANCOIS DROULEZ

Ended

At this address

Other companies at this address

Company	CBE no.
FINANCIERE DU BEFFROI● Active	0562.899.116
TOURNAI ASSURANCES● Active	0439.665.069

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged 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	04/08/2026	29/08/2025	30/08/2024	11/08/2023	26/08/2022	12/08/2021
General meeting	01/06/2026	02/06/2025	03/06/2024	05/06/2023	06/06/2022	06/08/2021
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	01/06/2026	04/08/2026	French	PDF
Abridged model	31/12/2024	02/06/2025	29/08/2025	French	PDF
Abridged model	31/12/2023	03/06/2024	30/08/2024	French	PDF
Abridged model	31/12/2022	05/06/2023	11/08/2023	French	PDF
Abridged model	31/12/2021	06/06/2022	26/08/2022	French	PDF
Micro model	31/12/2020	06/08/2021	12/08/2021	French	PDF
Abridged model	31/12/2019	18/08/2020	18/08/2020	French	PDF
Abridged model	31/12/2018	03/06/2019	30/07/2019	French	PDF
Abridged model	31/12/2017	04/06/2018	31/07/2018	French	PDF
Abridged model	31/12/2016	05/06/2017	30/08/2017	French	PDF
Abridged model	31/12/2015	06/06/2016	17/08/2016	French	PDF
Abridged model	31/12/2014	01/06/2015	30/09/2015	French	PDF
Abridged model	31/12/2013	02/06/2014	28/08/2014	French	PDF
Abridged model	31/12/2012	03/06/2013	02/07/2013	French	PDF
Abridged model	31/12/2011	04/06/2012	25/06/2012	French	PDF
Abridged model	31/12/2010	06/06/2011	22/08/2011	French	PDF
Abridged model	31/12/2009	01/06/2010	20/07/2010	French	PDF
Abridged model	31/12/2008	02/06/2009	23/06/2009	French	PDF
Abridged model	31/12/2007	03/06/2008	15/07/2008	French	PDF
Abridged model	31/12/2006	05/06/2007	23/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 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 31/12/2025 · 1 active · 7 ended

Active mandates

TESSE SYLVAIN

Director · 0462.806.794

Active

Ended mandates

F.D. HOLDING

Manager · since 28 novembre 2008 · 0808.253.092

Represented by François Droulez

Ended

François DROULEZ

Manager · since 29 avril 2003 · until 31 décembre 2010

Ended

François DROULEZ

Manager · since 29 avril 2003

Ended

F.D. HOLDING

Manager · 0808.253.092

Represented by FRANCOIS DROULEZ

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Registered office21/11/2025
SIEGE SOCIAL
PDF
Mandates26/08/2022
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - SIEGE SOCIAL - ADRESSE AUTRE QUE SIEGE SOCIAL - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE
PDF
Mandates14/07/2022
DEMISSIONS, NOMINATIONS
PDF
Registered office14/10/2019
SIEGE SOCIAL
PDF
Mandates23/01/2019
DEMISSIONS, NOMINATIONS
PDF
Mandates16/02/2011
DEMISSIONS, NOMINATIONS
PDF
Registered office02/06/2006
SIEGE SOCIAL
PDF
Other29/04/2003
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

2025
Annual accounts 202543,3 k €↑
2024
Annual accounts 202435,5 k €↑
2023
Annual accounts 202332,3 k €↑
2022
Annual accounts 202224,3 k €↓
2021
Annual accounts 202158,9 k €↓
2020
Annual accounts 202069,6 k €↓
2019
Annual accounts 2019114,6 k €↑
2018
Annual accounts 201824 k €↑
2017
Annual accounts 201717,6 k €↑
2016
Annual accounts 2016-38,7 k €↓
2015
Annual accounts 201573,3 k €↓
2014
Annual accounts 201496,4 k €↑
2013
Annual accounts 2013-44,2 k €↓
2012
Annual accounts 201262,9 k €↑
2011
Annual accounts 201151,2 k €↑
2010
Annual accounts 201037 k €↑
2009
Annual accounts 200916,6 k €↑
2008
Annual accounts 200815,9 k €↑
2007
Annual accounts 20075,4 k €↑
2006
Annual accounts 2006-4,1 k €
16/04/2003
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

FRANCOIS DROULEZ ASSURANCES

Overview

What does FRANCOIS DROULEZ ASSURANCES do?

Trend over 20 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