ACTIVE

Stéphane Schmitz

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Financial year 2025 · closed on 31/12/2025

Net result

56,7 k €

+20.8% YoY

Gross margin

164,3 k €

+5.6% YoY

Equity

457,4 k €

+9.4% YoY

What does Stéphane Schmitz do?

Stéphane Schmitz is a Private limited company incorporated in 2005. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Yvoir.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0877.526.831

Incorporation

25/11/2005

Legal form

Private limited company

Registered office

Place des Combattants 18
5530 Yvoir · WallonieSee on map

Contributed capital

18 600,00 €

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 (4)

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	164,3 k €	+5.6%	155,6 k €	+4.6%	148,8 k €	+13.8%	130,8 k €	+3.0%	127 k €	+12.2%	113,1 k €	-4.3%	118,2 k €	+4.5%	113,1 k €	-30.4%	162,6 k €	-19.8%	202,8 k €	+37.8%	147,1 k €	-8.4%	160,6 k €	-21.7%	205,2 k €	+31.2%	156,5 k €	+1.6%	154 k €	-9.5%	170,1 k €	+6.3%	160,1 k €	+28.2%	124,9 k €	+27.3%	98,1 k €	+4.0%	94,3 k €
EBITDA	96,1 k €	+13.9%	84,4 k €	+5.6%	79,9 k €	+15.5%	69,2 k €	+2.4%	67,6 k €	+24.6%	54,2 k €	-8.7%	59,3 k €	+5.4%	56,3 k €	-46.0%	104,3 k €	-21.5%	132,8 k €	+60.7%	82,6 k €	-20.4%	103,8 k €	-32.7%	154,3 k €	+41.4%	109,1 k €	+0.6%	108,5 k €	-12.9%	124,5 k €	+7.5%	115,8 k €	+38.7%	83,5 k €	+1.1%	82,6 k €	-10.6%	92,5 k €
Operating result	76,9 k €	+19.4%	64,5 k €	+1.9%	63,3 k €	+11.9%	56,6 k €	+25.3%	45,1 k €	+46.8%	30,7 k €	-12.2%	35 k €	+17.0%	29,9 k €	-61.4%	77,5 k €	-21.9%	99,3 k €	+107%	48 k €	-22.4%	61,8 k €	-42.7%	107,9 k €	+92.2%	56,2 k €	-12.7%	64,3 k €	-17.3%	77,8 k €	+9.2%	71,2 k €	+25.8%	56,6 k €	+3.3%	54,8 k €	+21.8%	45 k €
Net result	56,7 k €	+20.8%	47 k €	+7.0%	43,9 k €	+12.9%	38,9 k €	+35.2%	28,8 k €	+65.6%	17,4 k €	-37.5%	27,8 k €	-44.4%	50 k €	+1.8%	49,1 k €	+5.6%	46,6 k €	+41.0%	33 k €	+4.9%	31,5 k €	-52.3%	65,9 k €	+128%	28,9 k €	-6.8%	31 k €	-33.8%	46,9 k €	+23.1%	38,1 k €	+23.4%	30,8 k €	+13.5%	27,2 k €	+50.4%	18,1 k €
Balance sheet
Equity	457,4 k €	+9.4%	418 k €	+4.8%	398,9 k €	-1.5%	405 k €	-31.3%	589,6 k €	+5.1%	560,9 k €	+3.2%	543,5 k €	+5.4%	515,7 k €	+10.7%	465,7 k €	+11.8%	416,5 k €	+12.6%	370 k €	+9.8%	337 k €	+10.3%	305,5 k €	+27.5%	239,5 k €	+13.7%	210,6 k €	+17.3%	179,6 k €	+41.9%	126,6 k €	+43.0%	88,5 k €	+53.5%	57,7 k €	+89.2%	30,5 k €
Total assets	569,9 k €	-0.6%	573,5 k €	-3.7%	595,8 k €	-24.2%	786 k €	+3.8%	756,9 k €	+2.5%	738,4 k €	-8.4%	805,8 k €	+0.5%	801,6 k €	+5.3%	761,3 k €	+6.7%	713,5 k €	+5.1%	678,8 k €	-1.1%	686 k €	+3.8%	660,8 k €	+10.6%	597,5 k €	+0.2%	596,1 k €	-0.9%	601,6 k €	+16.9%	514,5 k €	+82.7%	281,6 k €	+5.2%	267,7 k €	+12.8%	237,4 k €
Cash	342 k €	+9.1%	313,4 k €	+0.9%	310,7 k €	-39.7%	515,5 k €	+7.7%	478,7 k €	+8.2%	442,3 k €	-7.8%	480 k €	+5.7%	454,1 k €	+8.7%	417,7 k €	+24.8%	334,8 k €	+23.8%	270,5 k €	-26.6%	368,4 k €	+15.6%	318,7 k €	+54.0%	206,9 k €	+2.6%	201,7 k €	+25.1%	161,3 k €	+48.3%	108,8 k €	-8.5%	118,8 k €	+43.4%	82,9 k €	+185%	29,1 k €
Debts	112,5 k €	-26.4%	152,9 k €	-22.4%	197 k €	-48.3%	381,1 k €	+128%	167,2 k €	-5.8%	177,5 k €	-32.1%	261,3 k €	-8.5%	285,5 k €	-3.4%	295,6 k €	-0.5%	297 k €	-3.8%	308,8 k €	-11.5%	349,1 k €	-1.8%	355,3 k €	-0.7%	358 k €	-6.8%	384,3 k €	-8.3%	419,3 k €	+9.1%	384,3 k €	+104%	188 k €	-7.1%	202,4 k €	+2.1%	198,1 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		1,5 ETP	0.0%	1,5 ETP	+36.4%	1,1 ETP	+10.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	+150%	0,4 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

Stéphane SCHMITZ

Director

Active

Ended mandates

Stéphane SCHMITZ

Managing director · since 09 décembre 2005

Ended

Stéphane SCHMITZ

Managing director

Ended

Stéphane SCHMITZ

Administrator - manager

Ended

Stéphane SCHMITZ

Manager

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	22/06/2026	13/06/2025	12/07/2024	12/07/2023	29/06/2022	23/06/2021
General meeting	09/06/2026	10/06/2025	11/06/2024	27/06/2023	14/06/2022	08/06/2021
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	09/06/2026	22/06/2026	French	PDF
Micro model	31/12/2024	10/06/2025	13/06/2025	French	PDF
Micro model	31/12/2023	11/06/2024	12/07/2024	French	PDF
Micro model	31/12/2022	27/06/2023	12/07/2023	French	PDF
Micro model	31/12/2021	14/06/2022	29/06/2022	French	PDF
Micro model	31/12/2020	08/06/2021	23/06/2021	French	PDF
Micro model	31/12/2019	09/06/2020	25/09/2020	French	PDF
Micro model	31/12/2018	11/06/2019	20/08/2019	French	PDF
Micro model	31/12/2017	12/06/2018	28/08/2018	French	PDF
Micro model	31/12/2016	13/06/2017	27/07/2017	French	PDF
Abridged model	31/12/2015	28/06/2016	20/07/2016	French	PDF
Abridged model	31/12/2014	25/07/2015	21/08/2015	French	PDF
Abridged model	31/12/2013	25/07/2014	04/08/2014	French	PDF
Abridged model	31/12/2012	28/08/2013	29/08/2013	French	PDF
Abridged model	31/12/2011	28/06/2012	23/07/2012	French	PDF
Abridged model	31/12/2010	26/07/2011	03/08/2011	French	PDF
Abridged model	31/12/2009	27/07/2010	23/08/2010	French	PDF
Abridged model	31/12/2008	29/07/2009	11/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	24/07/2008	French	PDF
Abridged model	31/12/2006	30/07/2007	23/08/2007	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

Stéphane SCHMITZ

Director

Active

Ended mandates

Stéphane SCHMITZ

Managing director · since 09 décembre 2005

Ended

Stéphane SCHMITZ

Managing director

Ended

Stéphane SCHMITZ

Administrator - manager

Ended

Stéphane SCHMITZ

Manager

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates24/10/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Capital / shares19/04/2007
ANNEE COMPTABLE - ASSEMBLEE GENERALE - CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DIVERS
PDF
Other10/05/2006
DIVERS
PDF
Other09/12/2005
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 202556,7 k €↑
2024
Annual accounts 202447 k €↑
2023
Annual accounts 202343,9 k €↑
2022
Annual accounts 202238,9 k €↑
2022
Name changeSCHMITZ STEPHANE
2021
Annual accounts 202128,8 k €↑
2020
Annual accounts 202017,4 k €↓
2019
Annual accounts 201927,8 k €↓
2018
Annual accounts 201850 k €↑
2017
Annual accounts 201749,1 k €↑
2016
Annual accounts 201646,6 k €↑
2015
Annual accounts 201533 k €↑
2014
Annual accounts 201431,5 k €↓
2013
Annual accounts 201365,9 k €↑
2012
Annual accounts 201228,9 k €↓
2011
Annual accounts 201131 k €↓
2010
Annual accounts 201046,9 k €↑
2009
Annual accounts 200938,1 k €↑
2008
Annual accounts 200830,8 k €↑
2007
Annual accounts 200727,2 k €↑
2006
Annual accounts 200618,1 k €
2006
Name changeStéphane Schmitz
25/11/2005
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

Stéphane Schmitz

Overview

What does Stéphane Schmitz 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