ACTIVE

FAGNES FINANCES

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Financial year 2025 · closed on 31/12/2025

Net result

93,2 k €

+6.3% YoY

Gross margin

265,6 k €

+22.0% YoY

Equity

317,9 k €

+41.5% YoY

What does FAGNES FINANCES do?

FAGNES FINANCES is a Private limited company incorporated in 2004. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Chimay.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0866.660.851

Incorporation

05/08/2004

Legal form

Private limited company

Registered office

Rue de Bourlers(CH) 68
6460 Chimay · WallonieSee on map

Contributed capital

78 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

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

Joint committees (3)

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	265,6 k €	+22.0%	217,6 k €	+6.5%	204,3 k €	-43.1%	359,1 k €	+69.0%	212,5 k €	-15.0%	249,9 k €	+21.5%	205,7 k €	-14.0%	239,2 k €	-8.2%	260,6 k €	+46.7%	177,6 k €	+36.9%	129,8 k €	+56.4%	83 k €	-45.6%	152,4 k €	-12.8%	174,9 k €	+35.6%	129 k €	-0.9%	130,1 k €	+64.7%	79 k €	+9.7%	72 k €	-10.7%	80,7 k €	+618%	11,2 k €
EBITDA	152,6 k €	+2.8%	148,5 k €	+10.7%	134,1 k €	+75.7%	76,3 k €	-8.0%	82,9 k €	-10.6%	92,7 k €	+1425%	-7 k €	-116%	44,7 k €	-35.9%	69,8 k €	+219%	21,9 k €	+344%	4,9 k €	+152%	-9,5 k €	-122%	43,3 k €	-56.6%	99,7 k €	+206%	32,6 k €	+16.5%	28 k €	+151%	11,1 k €	-52.3%	23,4 k €	-30.4%	33,6 k €	+314%	-15,7 k €
Operating result	134,3 k €	+5.2%	127,6 k €	+20.6%	105,8 k €	+124%	47,1 k €	-17.8%	57,3 k €	-11.3%	64,7 k €	+376%	-23,4 k €	-171%	32,9 k €	-41.0%	55,8 k €	+1523%	3,4 k €	+154%	-6,4 k €	+81.0%	-33,8 k €	-290%	17,8 k €	-76.9%	77 k €	+230%	23,3 k €	+25.2%	18,6 k €	+394%	-6,3 k €	-202%	6,2 k €	-68.2%	19,5 k €	+189%	-22 k €
Net result	93,2 k €	+6.3%	87,7 k €	+12.6%	77,8 k €	+1355%	-6,2 k €	-120%	31,7 k €	-19.8%	39,5 k €	+231%	-30,1 k €	-248%	20,3 k €	-56.6%	46,9 k €	+2181%	-2,3 k €	+89.9%	-22,3 k €	+43.6%	-39,5 k €	-44.8%	-27,3 k €	-155%	49,7 k €	+151%	19,8 k €	+30.9%	15,1 k €	+242%	-10,7 k €	-592%	2,2 k €	-86.7%	16,4 k €	+167%	-24,5 k €
Balance sheet
Equity	317,9 k €	+41.5%	224,7 k €	+64.0%	137 k €	+39.5%	98,2 k €	-5.9%	104,4 k €	+43.5%	72,8 k €	+119%	33,3 k €	-47.5%	63,3 k €	+47.3%	43 k €	+1220%	-3,8 k €	-142%	-1,6 k €	-109%	17,4 k €	-69.5%	56,9 k €	-32.4%	84,2 k €	+144%	34,5 k €	+190%	-38,3 k €	+28.3%	-53,4 k €	-25.0%	-42,7 k €	+4.8%	-44,9 k €	+26.7%	-61,3 k €
Total assets	627,2 k €	+15.4%	543,3 k €	+10.5%	491,8 k €	-18.4%	602,8 k €	-4.7%	632,6 k €	+6.8%	592,6 k €	-4.3%	619,5 k €	+24.3%	498,3 k €	-0.7%	501,8 k €	+1.6%	494,1 k €	+4.4%	473,2 k €	+0.3%	472 k €	-7.6%	510,8 k €	-4.8%	536,8 k €	+19.6%	448,7 k €	+539%	70,3 k €	+19.8%	58,7 k €	-23.5%	76,7 k €	+11.8%	68,6 k €	+27.6%	53,8 k €
Cash	139,5 k €	+20.4%	115,9 k €	+22.6%	94,5 k €	-44.7%	170,8 k €	+5431%	3,1 k €	+127%	1,4 k €	-16.9%	1,6 k €		–		–		473,4 €		–		–		28,4 k €	-51.2%	58,2 k €	+84.9%	31,5 k €	+2099%	1,4 k €	+5.0%	1,4 k €	+56.4%	871,7 €	+43.1%	609 €	+23.3%	494 €
Debts	308,4 k €	-2.8%	317,2 k €	-9.9%	352,1 k €	-29.7%	500,7 k €	-5.2%	528,2 k €	+1.6%	519,8 k €	-11.3%	586,3 k €	+34.8%	434,9 k €	-5.2%	458,8 k €	-7.1%	493,8 k €	+4.0%	474,8 k €	+4.4%	454,6 k €	+0.2%	453,6 k €	+2.8%	441,4 k €	+6.7%	413,7 k €	+356%	90,7 k €	-19.1%	112,1 k €	-6.1%	119,3 k €	+5.2%	113,4 k €	-1.3%	114,9 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		3,9 ETP	+44.4%	2,7 ETP	-22.9%	3,5 ETP	+25.0%	2,8 ETP	-6.7%	3,0 ETP	+7.1%	2,8 ETP	-26.3%	3,8 ETP	+52.0%	2,5 ETP	+38.9%	1,8 ETP	0.0%	1,8 ETP	+38.5%	1,3 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 4 ended

Active mandates

Florent AMANT

Mandate

Active

Ended mandates

JOSE AMANT

Manager · since 01 janvier 2006

Ended

FLORENT AMANT

Director

Ended

JOSE AMANT

Director

Ended

JOSE AMANT

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
BPLC● Active	0862.463.721

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	28/08/2026	21/08/2025	12/08/2024	31/08/2023	12/08/2022	04/08/2021
General meeting	28/08/2026	21/08/2025	07/08/2024	30/08/2023	10/06/2022	11/06/2021
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	28/08/2026	28/08/2026	French	PDF
Micro model	31/12/2024	21/08/2025	21/08/2025	French	PDF
Micro model	31/12/2023	07/08/2024	12/08/2024	French	PDF
Micro model	31/12/2022	30/08/2023	31/08/2023	French	PDF
Micro model	31/12/2021	10/06/2022	12/08/2022	French	PDF
Micro model	31/12/2020	11/06/2021	04/08/2021	French	PDF
Micro model	31/12/2019	24/08/2020	07/09/2020	French	PDF
Micro model	31/12/2018	31/07/2019	31/07/2019	French	PDF
Micro model	31/12/2017	24/07/2018	31/07/2018	French	PDF
Abridged model	31/12/2016	01/06/2017	30/06/2017	French	PDF
Abridged model	31/12/2015	30/06/2016	08/07/2016	French	PDF
Abridged model	31/12/2014	12/06/2015	08/07/2015	French	PDF
Abridged model	31/12/2013	02/06/2014	01/08/2014	French	PDF
Abridged model	31/12/2012	31/05/2013	03/07/2013	French	PDF
Abridged model	31/12/2011	01/06/2012	05/07/2012	French	PDF
Abridged model	31/12/2010	31/05/2011	04/07/2011	French	PDF
Abridged model	31/12/2009	02/06/2010	05/07/2010	French	PDF
Abridged model	31/12/2008	02/06/2009	25/06/2009	French	PDF
Abridged model	31/12/2007	02/06/2008	17/06/2008	French	PDF
Abridged model	31/12/2006	31/05/2007	26/06/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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 · 4 ended

Active mandates

Florent AMANT

Mandate

Active

Ended mandates

JOSE AMANT

Manager · since 01 janvier 2006

Ended

FLORENT AMANT

Director

Ended

JOSE AMANT

Director

Ended

JOSE AMANT

Manager

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Other14/03/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE
PDF
Mandates09/02/2022
DEMISSIONS, NOMINATIONS
PDF
Other16/12/2020
MODIFICATION FORME JURIDIQUE - DIVERS
PDF
Other04/10/2017
DIVERS
PDF
Other26/08/2015
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Other19/10/2011
OBJET
PDF
Capital / shares23/06/2011
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Restructuring18/07/2007
RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, ETC...) - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, 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 202593,2 k €↑
2024
Annual accounts 202487,7 k €↑
2023
Annual accounts 202377,8 k €↑
2022
Annual accounts 2022-6,2 k €↓
2021
Annual accounts 202131,7 k €↓
2020
Annual accounts 202039,5 k €↑
2019
Annual accounts 2019-30,1 k €↓
2018
Annual accounts 201820,3 k €↓
2017
Annual accounts 201746,9 k €↑
2016
Annual accounts 2016-2,3 k €↑
2015
Annual accounts 2015-22,3 k €↑
2014
Annual accounts 2014-39,5 k €↓
2013
Annual accounts 2013-27,3 k €↓
2012
Annual accounts 201249,7 k €↑
2011
Annual accounts 201119,8 k €↑
2010
Annual accounts 201015,1 k €↑
2009
Annual accounts 2009-10,7 k €↓
2008
Annual accounts 20082,2 k €↓
2007
Annual accounts 200716,4 k €↑
2006
Annual accounts 2006-24,5 k €
05/08/2004
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

FAGNES FINANCES

Overview

What does FAGNES FINANCES 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