ACTIVE

ASSURANCES SPITERI

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Financial year 2024 · closed on 31/12/2024

Net result

4,4 k €

-73.9% YoY

Gross margin

659,5 k €

+7.6% YoY

Equity

1 M €

+0.4% YoY

What does ASSURANCES SPITERI do?

ASSURANCES SPITERI is a Private company with limited liability incorporated in 2009. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Ath.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0820.965.834

Incorporation

27/11/2009

Legal form

Private company with limited liability

Registered office

Rue de Foucaumont(Lig) 83
7812 Ath · WallonieSee on map

Contributed capital

20 000,00 €

Latest accounts

31/12/2024

Activities (NACE)

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

Signals

ProfitablePositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 15 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010
Income statement
Gross margin	659,5 k €	+7.6%	613 k €	+38.1%	444 k €	+26.4%	351,2 k €	-13.2%	404,8 k €	+10.2%	367,3 k €	-50.0%	734,7 k €	+28.2%	572,9 k €	+12.8%	507,8 k €	+0.6%	504,7 k €	+17.5%	429,5 k €	+10.8%	387,6 k €	+4.1%	372,2 k €	-1.3%	377,2 k €	-19.8%	470,6 k €
EBITDA	181,3 k €	+1.8%	178,2 k €	+10.8%	160,8 k €	-6.1%	171,2 k €	-20.8%	216,1 k €	+68.5%	128,3 k €	-73.8%	489,9 k €	+48.7%	329,4 k €	+33.1%	247,4 k €	-5.7%	262,3 k €	+3.4%	253,8 k €	+7.9%	235,3 k €	+4.3%	225,5 k €	-11.6%	255,1 k €	-20.9%	322,4 k €
Operating result	62,6 k €	-2.6%	64,2 k €	+18.2%	54,3 k €	-25.1%	72,5 k €	-31.3%	105,6 k €	+1265%	7,7 k €	-97.9%	370,7 k €	+45.3%	255,1 k €	+32.0%	193,3 k €	-18.9%	238,4 k €	+37.8%	173,1 k €	+10.1%	157,1 k €	+12.3%	139,9 k €	-22.0%	179,4 k €	-29.2%	253,5 k €
Net result	4,4 k €	-73.9%	17 k €	-26.1%	23 k €	-47.1%	43,5 k €	-41.5%	74,4 k €	+599%	-14,9 k €	-106%	241,5 k €	+56.4%	154,4 k €	+29.4%	119,3 k €	-21.3%	151,7 k €	+39.4%	108,8 k €	-14.8%	127,6 k €	+21.0%	105,4 k €	-11.4%	119 k €	-26.6%	162,2 k €
Balance sheet
Equity	1 M €	+0.4%	1 M €	+1.7%	994,3 k €	+2.4%	971,3 k €	+4.7%	927,8 k €	+8.7%	853,4 k €	-1.7%	868,3 k €	+38.5%	626,8 k €	+32.7%	472,4 k €	+33.8%	353,1 k €	+17.1%	301,5 k €	-6.3%	321,7 k €	+6.1%	303,3 k €	+0.7%	301,2 k €	+65.4%	182,2 k €
Total assets	5 M €	-4.6%	5,2 M €	+96.7%	2,6 M €	+57.4%	1,7 M €	+14.9%	1,5 M €	+15.0%	1,3 M €	-12.7%	1,5 M €	+31.9%	1,1 M €	+21.7%	907,1 k €	+25.9%	720,3 k €	+14.3%	630,3 k €	+5.6%	596,7 k €	+5.3%	566,6 k €	+11.0%	510,4 k €	+51.0%	338 k €
Cash	179,5 k €	+0.1%	179,3 k €	-13.2%	206,4 k €	-41.2%	350,8 k €	+63.2%	215 k €	-38.1%	347,1 k €	-19.7%	432,5 k €	+20.0%	360,3 k €	+1.2%	356,1 k €	+12.8%	315,5 k €	+18.2%	267 k €	+12.1%	238,2 k €	+57.0%	151,7 k €	+21.3%	125,1 k €	+188%	43,5 k €
Debts	3,9 M €	-6.1%	4,1 M €	+158%	1,6 M €	+155%	628,2 k €	+18.2%	531,6 k €	+27.7%	416,4 k €	-28.9%	586 k €	+22.7%	477,4 k €	+11.3%	429,1 k €	+16.9%	367 k €	+11.6%	328,9 k €	+19.6%	275 k €	+4.4%	263,3 k €	+25.9%	209,2 k €	+34.2%	155,9 k €
Other
Workforce	–		–		–		–		–		–		7,0 ETP		–		251 178,0 ETP	+6.0%	236 908,0 ETP	+4738060%	5,0 ETP	+25.0%	4,0 ETP	-14.9%	4,7 ETP	-7.8%	5,1 ETP	+6.2%	4,8 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 2 active · 4 ended

Active mandates

ALAIN SPITERI

Associate

Active

DOMINIQUE SPITERI

Director

Active

Ended mandates

ALAIN SPITERI

Manager · since 27 novembre 2009

Ended

Alain Spiteri

Administrator - manager

Ended

ALAIN SPITERI

Director

Ended

SPITERI DOMINIQUE

Associate

Ended

At this address

Other companies at this address

Company	CBE no.
C.A. INVEST● Active	0436.644.312
JACQUART-SOUDAN● Active	0878.932.242
MTT SPITERI GROUP● Active	0878.484.953

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	20/01/2026	20/12/2024	18/10/2023	24/10/2022	28/10/2021	28/10/2020
General meeting	15/01/2026	06/05/2024	01/05/2023	02/05/2022	03/05/2021	29/09/2020
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

16 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	15/01/2026	20/01/2026	French	PDF
Micro model	31/12/2023	06/05/2024	20/12/2024	French	PDF
Micro model	31/12/2022	01/05/2023	18/10/2023	French	PDF
Micro model	31/12/2021	02/05/2022	24/10/2022	French	PDF
Micro model	31/12/2020	03/05/2021	28/10/2021	French	PDF
Micro model	31/12/2019	29/09/2020	28/10/2020	French	PDF
Abridged model	31/12/2018	08/10/2019	10/10/2019	French	PDF
Abridged model	31/12/2017	21/11/2018	06/12/2018	French	PDF
Abridged modelCorrection	31/12/2016	01/05/2017	19/12/2017	French	PDF
Abridged model	31/12/2016	01/05/2017	20/11/2017	French	PDF
Abridged model	31/12/2015	17/06/2016	23/12/2016	French	PDF
Abridged model	31/12/2014	19/06/2015	30/09/2015	French	PDF
Abridged model	31/12/2013	20/06/2014	30/09/2014	French	PDF
Abridged model	31/12/2012	21/06/2013	30/09/2013	French	PDF
Abridged model	31/12/2011	22/06/2012	31/08/2012	French	PDF
Abridged model	31/12/2010	24/06/2011	30/09/2011	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 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 · 2 active · 4 ended

Active mandates

ALAIN SPITERI

Associate

Active

DOMINIQUE SPITERI

Director

Active

Ended mandates

ALAIN SPITERI

Manager · since 27 novembre 2009

Ended

Alain Spiteri

Administrator - manager

Ended

ALAIN SPITERI

Director

Ended

SPITERI DOMINIQUE

Associate

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates30/03/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates30/10/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates01/02/2023
DEMISSIONS, NOMINATIONS
PDF
Registered office16/06/2022
ADRESSE AUTRE QUE SIEGE SOCIAL - DIVERS
PDF
Registered office15/12/2020
ADRESSE AUTRE QUE SIEGE SOCIAL - MODIFICATION FORME JURIDIQUE
PDF
Registered office09/05/2019
SIEGE SOCIAL - ADRESSE AUTRE QUE SIEGE SOCIAL
PDF
Capital / shares04/04/2017
CAPITAL, ACTIONS
PDF
Other01/12/2009
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 20244,4 k €↓
2023
Annual accounts 202317 k €↓
2022
Annual accounts 202223 k €↓
2021
Annual accounts 202143,5 k €↓
2020
Annual accounts 202074,4 k €↑
2019
Annual accounts 2019-14,9 k €↓
2018
Annual accounts 2018241,5 k €↑
2017
Annual accounts 2017154,4 k €↑
2016
Annual accounts 2016119,3 k €↓
2015
Annual accounts 2015151,7 k €↑
2014
Annual accounts 2014108,8 k €↓
2013
Annual accounts 2013127,6 k €↑
2012
Annual accounts 2012105,4 k €↓
2011
Annual accounts 2011119 k €↓
2010
Annual accounts 2010162,2 k €
27/11/2009
IncorporationPrivate company with limited liability

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

ASSURANCES SPITERI

Overview

What does ASSURANCES SPITERI do?

Trend over 15 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