ACTIVE

FL Assurances

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Financial year 2025 · closed on 31/12/2025
Net result
154,6 k €
+14.2% YoY
Gross margin
251,5 k €
+7.3% YoY
Equity
748,8 k €
-12.3% YoY

What does FL Assurances do?

FL Assurances is a Private limited company incorporated in 2013. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Leuze-en-Hainaut.

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0503.903.221
Incorporation
07/02/2013
Legal form
Private limited company
Registered office
Chemin de Malametz(L) 40
7900 Leuze-en-Hainaut · WallonieSee on map
Contributed capital
14 260,00 €
Latest accounts
31/12/2025
Activities (NACE)
66220Activities of insurance agents and brokers· main66220Activities of insurance agents and brokers
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
View the BCE/KBO Public Search record →
Health score
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✦ Verdict · Analyst summary
Financials

Trend over 13 financial years

2025202420232022202120202019201820172016201520142013
Income statement
Gross margin251,5 k €234,4 k €224,7 k €158,8 k €182,1 k €173 k €172,4 k €181,1 k €164 k €133,5 k €108,2 k €165,4 k €77,2 k €
EBITDA233,6 k €216,6 k €208,5 k €149,5 k €180,7 k €171,8 k €170,8 k €179,6 k €157,6 k €132,3 k €106,9 k €163,3 k €73,5 k €
Operating result223,1 k €193,1 k €181,3 k €125,9 k €167,3 k €138 k €137,5 k €148,8 k €96,4 k €73,9 k €59,7 k €116,1 k €30,8 k €
Net result154,6 k €135,4 k €150 k €87,7 k €115,6 k €95,8 k €94,2 k €103,6 k €70,4 k €48,3 k €41,4 k €77,9 k €21,4 k €
Balance sheet
Equity748,8 k €854,1 k €798,7 k €781 k €693,3 k €567,2 k €469,5 k €375,4 k €271,8 k €201,4 k €153 k €111,6 k €33,8 k €
Total assets1 M €941,1 k €955,6 k €827,8 k €811,2 k €654,3 k €516,7 k €378,2 k €273,5 k €209,5 k €174,6 k €163,2 k €193,8 k €
Cash129,3 k €95,3 k €240,7 k €123,5 k €197,3 k €212,7 k €122 k €229,3 k €135,1 k €105 k €89,4 k €32,6 k €5,5 k €
Debts292,6 k €87 k €156,9 k €46,7 k €117,9 k €87,1 k €47,1 k €2,9 k €1,7 k €8,1 k €21,5 k €51,5 k €160 k €
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 31/12/2025 · 1 active

Active mandates

Frédéric Lecutier

Manager · since 31 janvier 2013

Active
Annual accounts

Full financial information

202520242023202220212020
Type of accountMicro modelMicro modelMicro modelMicro modelMicro modelMicro model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date27/07/202630/07/202516/07/202428/07/202314/07/202222/06/2021
General meeting15/06/202616/06/202517/06/202419/06/202320/06/202221/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

13 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202515/06/202627/07/2026FrenchPDF
Micro model31/12/202416/06/202530/07/2025FrenchPDF
Micro model31/12/202317/06/202416/07/2024FrenchPDF
Micro model31/12/202219/06/202328/07/2023FrenchPDF
Micro model31/12/202120/06/202214/07/2022FrenchPDF
Micro model31/12/202021/06/202122/06/2021FrenchPDF
Micro model31/12/201915/06/202023/09/2020FrenchPDF
Micro model31/12/201817/06/201928/06/2019FrenchPDF
Micro model31/12/201718/06/201829/08/2018FrenchPDF
Micro model31/12/201619/06/201730/08/2017FrenchPDF
Abridged model31/12/201520/06/201629/07/2016FrenchPDF
Abridged model31/12/201415/06/201531/08/2015FrenchPDF
Abridged model31/12/201316/06/201430/09/2014FrenchPDF
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 31/12/2025 · 1 active

Active mandates

Frédéric Lecutier

Manager · since 31 janvier 2013

Active
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Mandates23/06/2023
    MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
    PDF
  • Other25/09/2013
    DIVERS
    PDF
  • Other19/02/2013
    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

Timeline

  1. 2025
    Annual accounts 2025154,6 k €↑
  2. 2024
    Annual accounts 2024135,4 k €↓
  3. 2023
    Annual accounts 2023150 k €↑
  4. 2022
    Annual accounts 202287,7 k €↓
  5. 2021
    Annual accounts 2021115,6 k €↑
  6. 2020
    Annual accounts 202095,8 k €↑
  7. 2019
    Annual accounts 201994,2 k €↓
  8. 2018
    Annual accounts 2018103,6 k €↑
  9. 2017
    Annual accounts 201770,4 k €↑
  10. 2016
    Annual accounts 201648,3 k €↑
  11. 2015
    Annual accounts 201541,4 k €↓
  12. 2014
    Annual accounts 201477,9 k €↑
  13. 2013
    Annual accounts 201321,4 k €
  14. 07/02/2013
    IncorporationPrivate limited company