ACTIVE

HENS'Cetera

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Financial year 2025 · closed on 31/12/2025

Net result

172,2 k €

+18.4% YoY

Gross margin

470,8 k €

+6.8% YoY

Equity

422 k €

+3.0% YoY

What does HENS'Cetera do?

HENS'Cetera is a Private limited company incorporated in 2006. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Profondeville.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0882.074.844

Incorporation

26/06/2006

Legal form

Private limited company

Registered office

Rue Pepin(LU) 5A
5170 Profondeville · 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 (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 17 financial years

	2025		2024		2023		2022		2021		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007
Income statement
Gross margin	470,8 k €	+6.8%	440,9 k €	+5.4%	418,2 k €	+31.6%	317,8 k €	-15.8%	377,5 k €	+73.5%	217,6 k €	+10.8%	196,3 k €	+2.8%	190,9 k €	-17.5%	231,5 k €	+0.5%	230,5 k €	+15.1%	200,3 k €	-3.8%	208,1 k €	+7.4%	193,7 k €	+7.5%	180,2 k €	-4.1%	187,8 k €	+5.9%	177,4 k €	-26.5%	241,4 k €
EBITDA	277,1 k €	+17.2%	236,5 k €	+20.9%	195,6 k €	+30.5%	149,9 k €	-19.7%	186,8 k €	+162%	71,4 k €	+77.3%	40,3 k €	-3.7%	41,8 k €	-44.6%	75,5 k €	-27.6%	104,3 k €	+48.9%	70 k €	-18.8%	86,2 k €	-24.4%	114,1 k €	+43.5%	79,5 k €	+6.0%	75 k €	+46.8%	51,1 k €	-1.3%	51,7 k €
Operating result	239,7 k €	+18.9%	201,6 k €	+24.7%	161,6 k €	+31.0%	123,3 k €	-22.7%	159,5 k €	+313%	38,7 k €	+260%	10,7 k €	+256%	-6,9 k €	-131%	21,9 k €	-55.9%	49,5 k €	+200%	16,5 k €	-57.1%	38,5 k €	-44.3%	69,2 k €	+125%	30,8 k €	+10.0%	27,9 k €	+115%	13 k €	+8.5%	12 k €
Net result	172,2 k €	+18.4%	145,4 k €	+9.7%	132,6 k €	+65.4%	80,1 k €	-33.8%	121,2 k €	+372%	25,7 k €	+813%	2,8 k €	+123%	-12,1 k €	-217%	10,4 k €	-65.8%	30,3 k €	+306%	7,5 k €	-69.9%	24,8 k €	-40.0%	41,3 k €	+200%	13,8 k €	+13.5%	12,1 k €	+817%	1,3 k €	-64.1%	3,7 k €
Balance sheet
Equity	422 k €	+3.0%	409,8 k €	+6.6%	384,3 k €	+14.1%	336,8 k €	+0.0%	336,6 k €	+331%	78,1 k €	+25.1%	62,4 k €	-49.1%	122,6 k €	-9.0%	134,7 k €	+1.6%	132,6 k €	+29.6%	102,3 k €	+0.5%	101,8 k €	+20.4%	84,6 k €	+95.4%	43,3 k €	+46.6%	29,5 k €	+69.6%	17,4 k €	+8.2%	16,1 k €
Total assets	863,9 k €	+2.7%	841,3 k €	+8.7%	774 k €	+22.0%	634,6 k €	+4.7%	606,2 k €	+138%	254,5 k €	+7.1%	237,5 k €	-18.0%	289,7 k €	-14.5%	338,9 k €	-2.7%	348,3 k €	-13.1%	400,7 k €	+85.5%	216 k €	-0.9%	218 k €	-4.4%	228,1 k €	-1.2%	230,9 k €	-32.4%	341,4 k €	+40.8%	242,5 k €
Cash	28,5 k €	+98.9%	14,3 k €	-53.0%	30,5 k €	-10.3%	34 k €	-90.6%	363,4 k €	+522%	58,5 k €	+218%	18,4 k €	-64.7%	52,1 k €	+41.2%	36,9 k €	+459%	6,6 k €		–		2,8 k €	+93.3%	1,5 k €	+475%	253 €	-48.5%	491 €	-52.1%	1 k €	-45.4%	1,9 k €
Debts	379,1 k €	+1.6%	373,3 k €	+4.4%	357,5 k €	+25.2%	285,6 k €	+9.5%	260,8 k €	+53.3%	170,1 k €	-2.9%	175,1 k €	+4.8%	167,1 k €	-5.1%	176 k €	-16.3%	210,2 k €	-22.1%	269,9 k €	+169%	100,2 k €	-24.6%	132,9 k €	-27.9%	184,3 k €	-8.2%	200,8 k €	-35.7%	312,2 k €	+37.9%	226,4 k €
Other
Workforce	–		–		–		–		–		–		–		–		3,3 ETP	-2.9%	3,4 ETP	+21.4%	2,8 ETP	+12.0%	2,5 ETP	+38.9%	1,8 ETP	-25.0%	2,4 ETP	-22.6%	3,1 ETP	-13.9%	3,6 ETP	-12.2%	4,1 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 · 7 ended

Active mandates

Sophie Hens

Director · since 04 août 2022

Active

SO SAFE

Director · since 15 mai 2022 · 0780.850.988

Represented by Gretser Séverine

Active

Ended mandates

SO SAFE

Director · since 15 mai 2022 · 0780.850.988

Represented by Gretser SÉVERINE

Ended

Sophie Hens

Manager · since 28 août 2009

Ended

Sophie Hens

Director · since 13 juillet 2009

Ended

Pierre Hens

Director · since 26 juin 2006 · until 23 février 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	08/06/2026	29/08/2025	29/07/2024	26/07/2023	15/06/2022	27/09/2021
General meeting	15/05/2026	27/08/2025	15/07/2024	30/06/2023	16/05/2022	22/09/2021
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

19 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	15/05/2026	08/06/2026	French	PDF
Micro model	31/12/2024	27/08/2025	29/08/2025	French	PDF
Micro model	31/12/2023	15/07/2024	29/07/2024	French	PDF
Micro model	31/12/2022	30/06/2023	26/07/2023	French	PDF
Micro model	31/12/2021	16/05/2022	15/06/2022	French	PDF
Micro model	31/12/2020	22/09/2021	27/09/2021	French	PDF
Micro model	31/12/2019	31/08/2020	16/09/2020	French	PDF
Micro model	31/12/2018	15/05/2019	20/06/2019	French	PDF
Micro model	31/12/2017	30/05/2018	29/06/2018	French	PDF
Micro model	31/12/2016	22/06/2017	10/07/2017	French	PDF
Abridged model	31/12/2015	15/06/2016	14/07/2016	French	PDF
Abridged model	31/12/2014	15/05/2015	16/07/2015	French	PDF
Abridged model	31/12/2013	15/05/2014	08/07/2014	French	PDF
Abridged model	31/12/2012	15/05/2013	16/07/2013	French	PDF
Abridged model	31/12/2011	25/09/2012	28/09/2012	French	PDF
Abridged model	31/12/2010	12/08/2011	16/08/2011	French	PDF
Abridged model	31/12/2009	30/06/2010	23/07/2010	French	PDF
Abridged model	31/12/2008	13/07/2009	20/07/2009	French	PDF
Abridged model	31/12/2007	12/12/2008	19/12/2008	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 · 7 ended

Active mandates

Sophie Hens

Director · since 04 août 2022

Active

SO SAFE

Director · since 15 mai 2022 · 0780.850.988

Represented by Gretser Séverine

Active

Ended mandates

SO SAFE

Director · since 15 mai 2022 · 0780.850.988

Represented by Gretser SÉVERINE

Ended

Sophie Hens

Manager · since 28 août 2009

Ended

Sophie Hens

Director · since 13 juillet 2009

Ended

Pierre Hens

Director · since 26 juin 2006 · until 23 février 2024

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates28/02/2024
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates25/08/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates04/07/2022
DEMISSIONS, NOMINATIONS
PDF
Capital / shares18/01/2018
CAPITAL, ACTIONS
PDF
Capital / shares16/01/2014
CAPITAL, ACTIONS
PDF
Mandates28/10/2013
DEMISSIONS, NOMINATIONS
PDF
Mandates08/09/2009
DEMISSIONS, NOMINATIONS
PDF
Other05/07/2006
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 2025172,2 k €↑
2024
Annual accounts 2024145,4 k €↑
2023
Annual accounts 2023132,6 k €↑
2023
Name changeHENS'Cetera
2022
Annual accounts 202280,1 k €↓
2021
Annual accounts 2021121,2 k €↑
2021
Name changeBureau d'Assurances Pierre Hens
2018
Annual accounts 201825,7 k €↑
2017
Annual accounts 20172,8 k €↑
2016
Annual accounts 2016-12,1 k €↓
2015
Annual accounts 201510,4 k €↓
2014
Annual accounts 201430,3 k €↑
2013
Annual accounts 20137,5 k €↓
2012
Annual accounts 201224,8 k €↓
2011
Annual accounts 201141,3 k €↑
2010
Annual accounts 201013,8 k €↑
2009
Annual accounts 200912,1 k €↑
2008
Annual accounts 20081,3 k €↓
2007
Annual accounts 20073,7 k €
26/06/2006
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

HENS'Cetera

Overview

What does HENS'Cetera do?

Trend over 17 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