ACTIVE

AVISE

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Financial year 2025 · closed on 31/12/2025

Net result

61,5 k €

+170.7% YoY

Gross margin

646,4 k €

+11.2% YoY

Equity

391,4 k €

+18.7% YoY

What does AVISE do?

AVISE is a Public limited company incorporated in 2003. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Wavre.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0861.095.328

Incorporation

14/10/2003

Legal form

Public limited company

Registered office

Avenue Lavoisier 18 A
1300 Wavre · WallonieSee on map

Contributed capital

358 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

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

Joint committees (1)

Signals

ProfitableLow 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	646,4 k €	+11.2%	581,3 k €	-1.2%	588,4 k €	+86.4%	315,8 k €	-5.1%	332,7 k €	+12.0%	297,1 k €	-18.0%	362,3 k €	+17.5%	308,4 k €	+28.3%	240,3 k €	+1.0%	237,8 k €	+21.4%	195,9 k €	-31.1%	284,1 k €	+62.1%	175,3 k €	+83.8%	95,4 k €	+111%	45,2 k €	-73.8%	172,6 k €	+11.0%	155,4 k €	+4.4%	148,8 k €	+6.9%	139,2 k €	+2.8%	135,4 k €
EBITDA	105,2 k €	+99.2%	52,8 k €	+474%	-14,1 k €	-115%	95,3 k €	+57.4%	60,5 k €	+146%	-130,5 k €	-239%	94 k €	+59.2%	59,1 k €	-24.5%	78,2 k €	+51.0%	51,8 k €	+41.2%	36,7 k €	-58.2%	87,8 k €	+388%	18 k €	+152%	-34,7 k €	-30.0%	-26,7 k €	-134%	77,9 k €	+23.5%	63,1 k €	+54.9%	40,8 k €	+319%	-18,6 k €	+48.4%	-36 k €
Operating result	90,2 k €	+259%	25,1 k €	+195%	-26,4 k €	-145%	58,8 k €	+76.5%	33,3 k €	+121%	-161,7 k €	-434%	48,4 k €	+165%	18,2 k €	-62.4%	48,5 k €	+171%	17,9 k €	+241%	-12,7 k €	-125%	51,5 k €	+454%	-14,5 k €	+80.1%	-73,1 k €	-53.9%	-47,5 k €	-178%	60,6 k €	+27.9%	47,4 k €	+89.0%	25,1 k €	+186%	-29,2 k €	+43.4%	-51,7 k €
Net result	61,5 k €	+171%	22,7 k €	+182%	-27,7 k €	-151%	54,6 k €	+70.2%	32,1 k €	+119%	-167,1 k €	-612%	32,6 k €	+151%	13 k €	-53.2%	27,8 k €	+487%	4,7 k €	+220%	-4 k €	-107%	59,9 k €	+531%	-13,9 k €	+82.1%	-77,5 k €	-51436%	151 €	-98.5%	10,1 k €	+56.7%	6,5 k €	-76.2%	27,1 k €	+16.8%	23,2 k €	+150%	-46,3 k €
Balance sheet
Equity	391,4 k €	+18.7%	329,8 k €	+7.4%	307,1 k €	-8.3%	334,8 k €	+19.5%	280,2 k €	+15258%	-1,8 k €	-101%	165,3 k €	+24.6%	132,6 k €	+399%	26,6 k €	+2318%	-1,2 k €	+79.8%	-5,9 k €	-200%	-2 k €	-101%	247,1 k €	+121%	112 k €	-40.9%	189,5 k €	+546%	29,3 k €	+52.5%	19,2 k €	+50.4%	12,8 k €	+190%	-14,3 k €	+61.9%	-37,4 k €
Total assets	1,5 M €	+11.9%	1,4 M €	-23.2%	1,8 M €	-2.3%	1,8 M €	-7.7%	2 M €	+81.7%	1,1 M €	+6.0%	1 M €	+48.2%	684,2 k €	-20.3%	857,9 k €	-2.8%	883 k €	+4.1%	848,3 k €	+15.9%	731,7 k €	-25.6%	984,1 k €	+63.0%	603,7 k €	-25.1%	806,5 k €	+58.7%	508,4 k €	-47.9%	975,6 k €	+57.9%	618 k €	+57.3%	393 k €	+112%	185,2 k €
Cash	831,2 k €	+9.3%	760,7 k €	-30.1%	1,1 M €	+21.5%	896 k €	-21.0%	1,1 M €	+89.4%	598,4 k €	-1.6%	608 k €	+66.2%	365,8 k €	+33.3%	274,4 k €	-9.4%	303,1 k €	-9.4%	334,3 k €	+19.5%	279,7 k €	+27.2%	219,9 k €	+71.8%	128 k €	-44.2%	229,6 k €	+188%	79,7 k €	-37.1%	126,8 k €	-42.5%	220,4 k €	+133%	94,7 k €	-10.8%	106,2 k €
Debts	851,1 k €	+9.2%	779,4 k €	-43.8%	1,4 M €	-1.9%	1,4 M €	-10.1%	1,6 M €	+58.0%	994,6 k €	+17.9%	843,5 k €	+52.9%	551,5 k €	-33.6%	830,8 k €	-5.6%	879,9 k €	+3.0%	854,2 k €	+16.4%	733,7 k €	-0.5%	737 k €	+49.9%	491,7 k €	-20.3%	617 k €	+28.8%	479 k €	-49.9%	956,4 k €	+58.0%	605,2 k €	+48.6%	407,2 k €	+83.0%	222,6 k €
Other
Workforce	–		–		–		–		–		–		4,2 ETP	0.0%	4,2 ETP	+2.4%	4,1 ETP	+51.9%	2,7 ETP	+42.1%	1,9 ETP	-38.7%	3,1 ETP	+72.2%	1,8 ETP	0.0%	1,8 ETP	+38.5%	1,3 ETP	-43.5%	2,3 ETP	+4.5%	2,2 ETP	+15.8%	1,9 ETP	-26.9%	2,6 ETP	-13.3%	3,0 ETP

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 · 2 active · 24 ended

Active mandates

Franck MARCHAND

Director · since 08 avril 2025

Active

JIM RASQUE

Director · since 08 avril 2025

Active

Ended mandates

BENOIT DOURTE

Director · since 19 mars 2021 · until 18 mars 2024

Ended

GILBERT WOLTER

Director · since 19 mars 2021 · until 18 mars 2024

Ended

PATRICK DE BAETS

Director · since 19 mars 2021 · until 18 mars 2024

Ended

PHILIPPE BONTE

Director · since 19 mars 2021 · until 18 mars 2024

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro 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	13/05/2026	29/04/2025	21/06/2024	12/06/2023	30/09/2022	25/10/2021
General meeting	16/04/2026	10/04/2025	25/04/2024	30/05/2023	28/09/2022	08/10/2021
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
Micro model	31/12/2025	16/04/2026	13/05/2026	French	PDF
Micro model	31/12/2024	10/04/2025	29/04/2025	French	PDF
Micro model	31/12/2023	25/04/2024	21/06/2024	French	PDF
Micro model	31/12/2022	30/05/2023	12/06/2023	French	PDF
Micro model	31/12/2021	28/09/2022	30/09/2022	French	PDF
Micro model	31/12/2020	08/10/2021	25/10/2021	French	PDF
Abridged model	31/12/2019	26/03/2020	21/04/2020	French	PDF
Abridged model	31/12/2018	29/03/2019	23/05/2019	French	PDF
Abridged model	31/12/2017	09/04/2018	24/04/2018	French	PDF
Abridged model	31/12/2016	10/05/2017	14/08/2017	French	PDF
Abridged model	31/12/2015	11/05/2016	30/09/2016	French	PDF
Abridged model	31/12/2014	12/05/2015	29/06/2015	French	PDF
Abridged model	31/12/2013	13/05/2014	02/07/2014	French	PDF
Abridged model	31/12/2012	14/05/2013	28/08/2013	French	PDF
Abridged model	31/12/2011	08/05/2012	15/06/2012	French	PDF
Abridged model	31/12/2010	10/05/2011	30/09/2011	French	PDF
Abridged model	31/12/2009	23/06/2010	30/12/2010	French	PDF
Abridged model	31/12/2008	16/12/2009	23/12/2009	French	PDF
Abridged model	31/12/2007	08/05/2009	12/06/2009	French	PDF
Abridged model	31/12/2006	08/05/2007	27/09/2007	French	PDF

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 · 2 active · 24 ended

Active mandates

Franck MARCHAND

Director · since 08 avril 2025

Active

JIM RASQUE

Director · since 08 avril 2025

Active

Ended mandates

BENOIT DOURTE

Director · since 19 mars 2021 · until 18 mars 2024

Ended

GILBERT WOLTER

Director · since 19 mars 2021 · until 18 mars 2024

Ended

PATRICK DE BAETS

Director · since 19 mars 2021 · until 18 mars 2024

Ended

PHILIPPE BONTE

Director · since 19 mars 2021 · until 18 mars 2024

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates10/09/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates07/02/2025
DEMISSIONS, NOMINATIONS
PDF
Capital / shares31/12/2021
CAPITAL, ACTIONS - ASSEMBLEE GENERALE
PDF
Mandates22/10/2021
DEMISSIONS, NOMINATIONS
PDF
Registered office18/01/2021
SIEGE SOCIAL
PDF
Capital / shares11/01/2019
CAPITAL, ACTIONS
PDF
Mandates27/06/2018
DEMISSIONS, NOMINATIONS
PDF
Registered office02/05/2018
SIEGE SOCIAL
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 202561,5 k €↑
2024
Annual accounts 202422,7 k €↑
2023
Annual accounts 2023-27,7 k €↓
2022
Annual accounts 202254,6 k €↑
2021
Annual accounts 202132,1 k €↑
2020
Annual accounts 2020-167,1 k €↓
2019
Annual accounts 201932,6 k €↑
2018
Annual accounts 201813 k €↓
2017
Annual accounts 201727,8 k €↑
2016
Annual accounts 20164,7 k €↑
2015
Annual accounts 2015-4 k €↓
2014
Annual accounts 201459,9 k €↑
2013
Annual accounts 2013-13,9 k €↑
2012
Annual accounts 2012-77,5 k €↓
2011
Annual accounts 2011151 €↓
2010
Annual accounts 201010,1 k €↑
2009
Annual accounts 20096,5 k €↓
2008
Annual accounts 200827,1 k €↑
2007
Annual accounts 200723,2 k €↑
2006
Annual accounts 2006-46,3 k €
14/10/2003
IncorporationPublic 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

AVISE

Overview

What does AVISE do?

Trend over 20 financial years

Indicative valuation

Board of directors

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