ACTIVE

FIVE INSURANCE COMPANY

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Financial year 2025 · Closed on 31/03/2025

Net result-8,9 k €-107,6 %over 1 year

Gross margin196,6 k €-42,9 %over 1 year

Equity391,9 k €-2,2 %over 1 year

Workforce2,3 ETP+15,0 %over 1 year

Identity

Source · BCE/KBO

FIVE INSURANCE COMPANY is a Public limited company incorporated in 2004. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Namur. It employs on average 2,3 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0867.376.770
Incorporation: 14/09/2004
Legal form: Public limited company
Registered office: Chaussée de Marche(EP) 486
5101 Namur · WallonieSee on map
Contributed capital: 140 000,00 €
Latest accounts: 31/03/2025
Average workforce: 2,3 ETP

Activities (NACE)

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

Signals

Positive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 22 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	196,6 k €	-42.9%	344,4 k €	+45.4%	236,9 k €	-14.8%	278,1 k €	-13.3%	320,9 k €
EBITDA	66,7 k €	-71.1%	231,1 k €	+89.0%	122,2 k €	-31.6%	178,8 k €	-10.0%	198,6 k €
Operating result	2,2 k €	-98.7%	161,9 k €	+180%	57,7 k €	-45.8%	106,5 k €	-18.6%	130,9 k €
Net result	-8,9 k €	-108%	117,3 k €	+188%	40,8 k €	-58.8%	99 k €	-20.8%	125 k €
Balance sheet
Equity	391,9 k €	-2.2%	400,8 k €	-0.9%	404,5 k €	+11.2%	363,7 k €	+37.4%	264,7 k €
Total assets	4,3 M €	+9.3%	3,9 M €	+41.7%	2,8 M €	+11.5%	2,5 M €	+7.8%	2,3 M €
Cash	32,1 k €	-86.2%	232,7 k €	+1974%	11,2 k €	-30.1%	16,1 k €	-92.3%	208,8 k €
Debts	3,8 M €	+12.7%	3,4 M €	+52.5%	2,2 M €	+12.1%	2 M €	+4.3%	1,9 M €
Other
Workforce	2,3 ETP	+15.0%	2,0 ETP	-4.8%	2,1 ETP	-16.0%	2,5 ETP	+19.0%	2,1 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Board of directors

Source · NBB, accounts to 31/03/2025

12 active · 57 ended

Active mandates

CHRISTOPHE MURACCINI

Director

Active

CHRISTOPHE PICARD

Director

Active

ETIENNE VERHOEVEN

Director

Active

FRANCOIS-XAVIER BELLOT

Director

Active

FREDERIC LERNOUX

Director

Active

FREDERIC PAULY

Director

Active

GROUPE 3D

Director · 0898.814.965

Represented by PHILIPPE DENIS

Active

JACQUELINE HARDY

Director

Active

MARC-ANTOINE HENROZ

Director

Active

NATACHA JEROUVILLE

Director

Active

PHILIPPE DENIS

Director

Active

XAVIER GOEBELS

Director

Active

Ended mandates

BELLOT FRANCOIS XAVIER

Director · since 20 janvier 2021 · until 31 décembre 2026

Ended

Christophe MURACCINI

Director · since 20 janvier 2021 · until 20 janvier 2027

Ended

Christophe MURACCINI

Director · since 20 janvier 2021 · until 25 mai 2027

Ended

ETIENNE VERHOEVEN

Director · since 20 janvier 2021 · until 31 décembre 2026

Ended

Other companies at this address

Chaussée de Marche(EP) 486 5101 Namur

Company	CBE no.
BeCap Invest● Active	0877.685.296
Camerone NewCo Belgium● Active	1035.943.667
FIVE WALIMMO● Active	0461.835.905
GROUPE 3D● Active	0898.814.965
MC MARINO● Active	0780.353.320
Odealim Belgium HoldCo● Active	1035.949.310

Full financial information

Source · NBB

	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	01/04/2024	01/04/2023	01/04/2022	01/04/2021	01/04/2020	01/04/2019
Closing of the financial year	31/03/2025	31/03/2024	31/03/2023	31/03/2022	31/03/2021	31/03/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	31/10/2025	31/10/2024	30/11/2023	30/11/2022	16/12/2021	07/10/2020
General meeting	05/09/2025	06/09/2024	01/09/2023	02/09/2022	12/11/2021	10/09/2020
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 22 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/03/2025	05/09/2025	31/10/2025	French	PDF
Abridged model	31/03/2024	06/09/2024	31/10/2024	French	PDF
Abridged model	31/03/2023	01/09/2023	30/11/2023	French	PDF
Abridged model	31/03/2022	02/09/2022	30/11/2022	French	PDF
Abridged model	31/03/2021	12/11/2021	16/12/2021	French	PDF
Abridged model	31/03/2020	10/09/2020	07/10/2020	French	PDF
Abridged model	31/03/2019	06/09/2019	15/11/2019	French	PDF
Abridged model	31/03/2018	06/09/2018	03/10/2018	French	PDF
Abridged model	31/03/2017	01/09/2017	30/10/2017	French	PDF
Abridged model	31/03/2016	02/09/2016	25/11/2016	French	PDF
Abridged model	31/03/2015	03/09/2015	29/10/2015	French	PDF
Abridged model	31/03/2014	05/09/2014	27/10/2014	French	PDF
Abridged model	31/03/2013	06/09/2013	21/10/2013	French	PDF
Abridged modelCorrection	31/03/2012	31/08/2012	06/02/2013	French	PDF
Abridged modelCorrection	31/03/2012	31/08/2012	25/10/2012	French	PDF
Abridged model	31/03/2012	31/08/2012	23/10/2012	French	PDF
Abridged model	31/03/2011	02/09/2011	28/10/2011	French	PDF
Abridged model	31/03/2010	03/09/2010	30/11/2010	French	PDF
Abridged model	31/03/2009	04/09/2009	28/09/2009	French	PDF
Abridged model	31/03/2008	05/09/2008	23/11/2008	French	PDF
Abridged model	31/03/2007	07/09/2007	29/10/2007	French	PDF
Abridged model	31/03/2006	20/10/2006	05/12/2007	French	PDF

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.

Board of directors

Source · NBB, accounts to 31/03/2025

12 active · 57 ended

Active mandates

CHRISTOPHE MURACCINI

Director

Active

CHRISTOPHE PICARD

Director

Active

ETIENNE VERHOEVEN

Director

Active

FRANCOIS-XAVIER BELLOT

Director

Active

FREDERIC LERNOUX

Director

Active

FREDERIC PAULY

Director

Active

GROUPE 3D

Director · 0898.814.965

Represented by PHILIPPE DENIS

Active

JACQUELINE HARDY

Director

Active

MARC-ANTOINE HENROZ

Director

Active

NATACHA JEROUVILLE

Director

Active

PHILIPPE DENIS

Director

Active

XAVIER GOEBELS

Director

Active

Ended mandates

BELLOT FRANCOIS XAVIER

Director · since 20 janvier 2021 · until 31 décembre 2026

Ended

Christophe MURACCINI

Director · since 20 janvier 2021 · until 20 janvier 2027

Ended

Christophe MURACCINI

Director · since 20 janvier 2021 · until 25 mai 2027

Ended

ETIENNE VERHOEVEN

Director · since 20 janvier 2021 · until 31 décembre 2026

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates10/07/2026
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - COMPTES ANNUELS - SIEGE SOCIAL - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - ANNEE COMPTABLE
PDF
Mandates06/03/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates06/06/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates31/08/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates08/05/2018
DEMISSIONS, NOMINATIONS
PDF
Registered office13/10/2017
SIEGE SOCIAL
PDF
Registered office07/03/2016
SIEGE SOCIAL
PDF
Mandates20/02/2015
DEMISSIONS, NOMINATIONS
PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

2025
Annual accounts 2025-8,9 k €↓
2024
Annual accounts 2024117,3 k €↑
2023
Annual accounts 202340,8 k €↓
2022
Annual accounts 202299 k €↓
2021
Annual accounts 2021125 k €↑
2020
Annual accounts 202016,5 k €↑
2019
Annual accounts 2019-52,9 k €↑
2018
Annual accounts 2018-80,3 k €↓
2017
Annual accounts 20174,5 k €↓
2016
Annual accounts 20167,2 k €↑
2015
Annual accounts 20155,4 k €↓
2014
Annual accounts 201447,7 k €↑
2013
Annual accounts 2013-9,6 k €↑
2012
Annual accounts 2012-48,9 k €↓
2011
Annual accounts 201129,7 k €↓
2010
Annual accounts 201043,7 k €↑
2009
Annual accounts 2009-15,3 k €↑
2008
Annual accounts 2008-16,4 k €↓
2007
Annual accounts 20073,6 k €↓
2006
Annual accounts 200664,6 k €
14/09/2004
IncorporationPublic limited company

FIVE INSURANCE COMPANY

Overview

Identity

Financials

Valuation

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

Timeline