ACTIVE

F.D. Assurances

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Financial year 2025 · closed on 31/12/2025

Net result

9,5 k €

+1212.8% YoY

Gross margin

15,4 k €

+139.2% YoY

Equity

28,8 k €

+49.4% YoY

What does F.D. Assurances do?

F.D. Assurances is a Private limited company incorporated in 2013. Its registered office is in Waterloo.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0524.729.319

Incorporation

21/03/2013

Legal form

Private limited company

Registered office

Rue Bruyère-Saint-Jean 38
1410 Waterloo · WallonieSee on map

Contributed capital

18 600,00 €

Latest accounts

31/12/2025

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 12 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014
Income statement
Gross margin	15,4 k €	+139%	6,4 k €	+285%	1,7 k €	-77.8%	7,5 k €	-58.4%	18 k €	+383%	3,7 k €	-89.2%	34,6 k €	+111%	16,4 k €	+109%	7,8 k €	-53.7%	16,9 k €	-9.2%	18,6 k €	+94.1%	9,6 k €
EBITDA	15 k €	+165%	5,7 k €	+781%	642 €	-90.2%	6,6 k €	-59.9%	16,4 k €	+570%	2,4 k €	-91.6%	29,2 k €	+95.1%	15 k €	+131%	6,5 k €	-58.6%	15,6 k €	-6.3%	16,6 k €	+88.6%	8,8 k €
Operating result	14,6 k €	+157%	5,7 k €	+781%	642 €	-90.2%	6,6 k €	-59.9%	16,4 k €	+4364%	-384 €	-101%	26,3 k €	+164%	10 k €	+361%	2,2 k €	-78.7%	10,2 k €	-9.4%	11,2 k €	+228%	3,4 k €
Net result	9,5 k €	+1213%	724 €	+127%	-2,7 k €	-208%	2,5 k €	-77.2%	11 k €	+500%	-2,7 k €	-112%	23,5 k €	+210%	7,6 k €	+1577%	-513 €	-108%	6,6 k €	-10.2%	7,3 k €	+662%	958,4 €
Balance sheet
Equity	28,8 k €	+49.4%	19,3 k €	+3.9%	18,5 k €	-12.7%	21,2 k €	+26.9%	16,7 k €	+6.2%	15,8 k €	+8.7%	14,5 k €	+3.7%	14 k €	+0.5%	13,9 k €	-3.6%	14,4 k €	+93.2%	7,5 k €	+4.2%	7,2 k €
Total assets	38,8 k €	+39.0%	27,9 k €	+7.2%	26,1 k €	-9.9%	28,9 k €	-9.0%	31,8 k €	+31.7%	24,1 k €	-42.7%	42,1 k €	+63.2%	25,8 k €	+31.9%	19,6 k €	-22.7%	25,3 k €	-26.1%	34,2 k €	-24.9%	45,6 k €
Cash	9,6 k €	+182%	3,4 k €	-23.7%	4,4 k €	-31.1%	6,4 k €	-31.3%	9,4 k €	+74.2%	5,4 k €	-76.2%	22,6 k €	+164%	8,5 k €	+185%	3 k €	-23.6%	3,9 k €	-67.3%	12 k €	-26.9%	16,4 k €
Debts	10,1 k €	+16.4%	8,7 k €	+14.9%	7,5 k €	-2.0%	7,7 k €	-48.8%	15,1 k €	+79.8%	8,4 k €	-69.7%	27,6 k €	+134%	11,8 k €	+109%	5,7 k €	-48.0%	10,9 k €	-59.3%	26,8 k €	-30.3%	38,4 k €

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 30/06/2016 · 2 active · 2 ended

Active mandates

LAURENT FLAMME

Mandate

Active

PIERRE DERMINE

Mandate

Active

Ended mandates

Laurent Jacques Omer FLAMME

Manager · since 20 mars 2013

Ended

Pierre Henri Luiz Benoit DERMINE

Manager · since 20 mars 2013

Ended

At this address

Other companies at this address

Company	CBE no.
INERCOFIN● Active	1008.345.187

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	01/07/2023	01/07/2022	01/07/2021	01/07/2020	01/07/2019
Closing of the financial year	31/12/2025	31/12/2024	30/06/2023	30/06/2022	30/06/2021	30/06/2020
Length of the financial year	12 months	18 months	12 months	12 months	12 months	12 months
Filing date	20/05/2026	23/05/2025	06/12/2023	08/11/2022	08/09/2021	20/11/2020
General meeting	10/03/2026	02/04/2025	05/12/2023	27/10/2022	08/09/2021	19/11/2020
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

12 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	10/03/2026	20/05/2026	French	PDF
Abridged model	31/12/2024	02/04/2025	23/05/2025	French	PDF
Abridged model	30/06/2023	05/12/2023	06/12/2023	French	PDF
Abridged model	30/06/2022	27/10/2022	08/11/2022	French	PDF
Abridged model	30/06/2021	08/09/2021	08/09/2021	French	PDF
Abridged model	30/06/2020	19/11/2020	20/11/2020	French	PDF
Abridged model	30/06/2019	28/10/2019	30/10/2019	French	PDF
Abridged model	30/06/2018	26/11/2018	29/11/2018	French	PDF
Abridged model	30/06/2017	20/11/2017	05/12/2017	French	PDF
Abridged model	30/06/2016	23/11/2016	06/12/2016	French	PDF
Abridged model	30/06/2015	14/12/2015	17/12/2015	French	PDF
Abridged model	30/06/2014	08/12/2014	27/01/2015	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 30/06/2016 · 2 active · 2 ended

Active mandates

LAURENT FLAMME

Mandate

Active

PIERRE DERMINE

Mandate

Active

Ended mandates

Laurent Jacques Omer FLAMME

Manager · since 20 mars 2013

Ended

Pierre Henri Luiz Benoit DERMINE

Manager · since 20 mars 2013

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates30/10/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - ANNEE COMPTABLE
PDF
Registered office13/05/2014
SIEGE SOCIAL
PDF
Other25/03/2013
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

2025
Annual accounts 20259,5 k €↑
2024
Annual accounts 2024724 €↑
2023
Annual accounts 2023-2,7 k €↓
2022
Annual accounts 20222,5 k €↓
2021
Annual accounts 202111 k €↑
2020
Annual accounts 2020-2,7 k €↓
2019
Annual accounts 201923,5 k €↑
2018
Annual accounts 20187,6 k €↑
2017
Annual accounts 2017-513 €↓
2016
Annual accounts 20166,6 k €↓
2015
Annual accounts 20157,3 k €↑
2014
Annual accounts 2014958,4 €
21/03/2013
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

F.D. Assurances

Overview

What does F.D. Assurances do?

Trend over 12 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