ACTIVE

CUVELIER ASSURANCES

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Financial year 2024 · closed on 31/12/2024

Net result

80,4 k €

-49.8% YoY

Gross margin

604,5 k €

-11.0% YoY

Equity

1 M €

-39.1% YoY

Workforce

8,5 ETP

+2.4% YoY

What does CUVELIER ASSURANCES do?

CUVELIER ASSURANCES is a Private limited company incorporated in 2006. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Hensies. It employs on average 8,5 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0882.588.944

Incorporation

18/07/2006

Legal form

Private limited company

Registered office

Rue Jean Jaurès(TH) 10 box B
7350 Hensies · WallonieSee on map

Contributed capital

20 000,00 €

Latest accounts

31/12/2024

Average workforce

8,5 ETP

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 equityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 18 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007
Income statement
Gross margin	604,5 k €	-11.0%	679 k €	+23.5%	549,8 k €	+7.3%	512,3 k €	+29.7%	394,9 k €	+7.7%	366,8 k €	+3.7%	353,9 k €	+0.9%	350,6 k €	-6.0%	372,8 k €	-20.6%	469,6 k €	+19.7%	392,4 k €	+3.9%	377,8 k €	-16.0%	449,5 k €	+34.0%	335,5 k €	+25.2%	267,9 k €	-7.9%	290,8 k €	-0.3%	291,8 k €	-20.8%	368,4 k €
EBITDA	108,4 k €	-41.0%	183,8 k €	+32.5%	138,8 k €	+28.4%	108,1 k €	+24.2%	87 k €	-10.7%	97,4 k €	+4.6%	93,2 k €	-12.1%	106 k €	-20.1%	132,7 k €	-48.1%	255,4 k €	+28.5%	198,8 k €	+0.1%	198,6 k €	-26.0%	268,3 k €	+39.5%	192,4 k €	+35.4%	142,1 k €	-9.6%	157,3 k €	+10.3%	142,6 k €	+43.6%	99,3 k €
Operating result	73,5 k €	-44.9%	133,3 k €	+55.9%	85,5 k €	+35.6%	63 k €	+16.8%	54 k €	-34.3%	82,2 k €	+3.3%	79,6 k €	-15.5%	94,2 k €	-4.1%	98,1 k €	-51.7%	203,4 k €	+26.2%	161,2 k €	-3.1%	166,3 k €	-28.1%	231,1 k €	+51.4%	152,6 k €	+28.0%	119,2 k €	-15.5%	141 k €	+9.8%	128,4 k €	+60.3%	80,1 k €
Net result	80,4 k €	-49.8%	160,4 k €	-22.0%	205,6 k €	-15.5%	243,4 k €	+411%	47,6 k €	-89.6%	456 k €	+1171%	35,9 k €	-34.2%	54,5 k €	-62.6%	145,7 k €	+18.3%	123,2 k €	+37.3%	89,7 k €	-9.0%	98,6 k €	-29.4%	139,6 k €	+54.5%	90,4 k €	+23.7%	73,1 k €	-6.6%	78,2 k €	-3.9%	81,4 k €	+78.6%	45,6 k €
Balance sheet
Equity	1 M €	-39.1%	1,6 M €	+10.8%	1,5 M €	+16.0%	1,3 M €	+23.4%	1 M €	-9.5%	1,1 M €	+20.2%	956,2 k €	+3.9%	920,4 k €	+6.3%	865,9 k €	+20.2%	720,1 k €	+20.6%	597 k €	+144%	244,4 k €	-46.2%	453,8 k €	+44.4%	314,2 k €	+26.3%	248,8 k €	+39.7%	178,1 k €	+21.2%	146,9 k €	+124%	65,6 k €
Total assets	3 M €	-4.6%	3,2 M €	-1.2%	3,2 M €	+1.5%	3,1 M €	+6.0%	3 M €	-3.7%	3,1 M €	+1.0%	3,1 M €	+134%	1,3 M €	-1.6%	1,3 M €	+9.2%	1,2 M €	+37.5%	881,2 k €	-0.2%	883,1 k €	+4.2%	847,9 k €	+8.3%	782,6 k €	+78.5%	438,4 k €	+30.6%	335,7 k €	-27.9%	465,3 k €	+5.3%	442,1 k €
Cash	314,6 k €	+130%	136,7 k €	+20.4%	113,5 k €	-33.5%	170,6 k €	-38.6%	277,8 k €	+45.8%	190,5 k €	-37.5%	304,7 k €	+22.3%	249,2 k €	-24.8%	331,4 k €	-4.0%	345,1 k €	+144%	141,3 k €	-21.6%	180,2 k €	+24.7%	144,4 k €	+37.6%	105 k €	+67.9%	62,5 k €	+19.1%	52,5 k €	-70.1%	175,9 k €	+86.1%	94,5 k €
Debts	2 M €	+34.1%	1,5 M €	-11.6%	1,7 M €	-5.8%	1,8 M €	-3.4%	1,8 M €	-1.3%	1,8 M €	-7.1%	2 M €	+561%	300,5 k €	-23.1%	391 k €	-10.9%	439,1 k €	+60.4%	273,8 k €	-55.8%	619,3 k €	+57.2%	394 k €	-15.9%	468,4 k €	+147%	189,6 k €	+20.3%	157,6 k €	-50.5%	318,4 k €	-15.4%	376,5 k €
Other
Workforce	8,5 ETP	+2.4%	8,3 ETP	+9.2%	7,6 ETP	-7.3%	8,2 ETP	+13.9%	7,2 ETP	+24.1%	5,8 ETP	+9.4%	5,3 ETP	0.0%	5,3 ETP	0.0%	5,3 ETP	+3.9%	5,1 ETP	+21.4%	4,2 ETP	+16.7%	3,6 ETP	-5.3%	3,8 ETP	+18.7%	3,2 ETP	+14.3%	2,8 ETP	-6.7%	3,0 ETP	-9.1%	3,3 ETP	-23.3%	4,3 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 3 ended

Active mandates

Guy Cuvelier

Administrator - manager

Active

Ended mandates

Guy Cuvelier

Manager · since 01 avril 2008

Ended

Bastien Cuvelier

Manager

Ended

Guy Cuvelier

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
APPAL● Active	0476.379.470
Cuvelier Bastien, Assurances● Active	0652.828.806
IMMEUROPE● Active	0434.095.784
LA PREVOTE● Active	0460.104.355
MIND DEVLOPMENT RETAIL● Active	0818.227.365
TECOM● Active	0476.513.191

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	25/09/2025	30/09/2024	29/09/2023	30/11/2022	30/09/2021	02/10/2020
General meeting	17/09/2025	27/09/2024	28/09/2023	30/11/2022	30/09/2021	11/09/2020
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

Ratios

Financial ratios

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Filings

Annual accounts filings

18 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	17/09/2025	25/09/2025	French	PDF
Abridged model	31/12/2023	27/09/2024	30/09/2024	French	PDF
Abridged model	31/12/2022	28/09/2023	29/09/2023	French	PDF
Abridged model	31/12/2021	30/11/2022	30/11/2022	French	PDF
Abridged model	31/12/2020	30/09/2021	30/09/2021	French	PDF
Abridged model	31/12/2019	11/09/2020	02/10/2020	French	PDF
Abridged model	31/12/2018	30/08/2019	30/08/2019	French	PDF
Abridged model	31/12/2017	28/08/2018	28/08/2018	French	PDF
Abridged model	31/12/2016	14/07/2017	28/07/2017	French	PDF
Abridged model	31/12/2015	23/08/2016	23/08/2016	French	PDF
Abridged model	31/12/2014	06/07/2015	23/07/2015	French	PDF
Abridged model	31/12/2013	01/10/2014	02/10/2014	French	PDF
Abridged model	31/12/2012	03/10/2013	04/10/2013	French	PDF
Abridged model	31/12/2011	18/10/2012	30/10/2012	French	PDF
Abridged model	31/12/2010	29/09/2011	30/09/2011	French	PDF
Abridged model	31/12/2009	25/06/2010	28/06/2010	French	PDF
Abridged model	31/12/2008	17/06/2009	23/06/2009	French	PDF
Abridged model	31/12/2007	26/09/2008	30/09/2008	French	PDF

Estimate

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.

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 3 ended

Active mandates

Guy Cuvelier

Administrator - manager

Active

Ended mandates

Guy Cuvelier

Manager · since 01 avril 2008

Ended

Bastien Cuvelier

Manager

Ended

Guy Cuvelier

Manager

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates23/01/2024
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DEMISSIONS, NOMINATIONS
PDF
Other18/12/2019
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates12/05/2016
DEMISSIONS, NOMINATIONS
PDF
Capital / shares04/04/2014
CAPITAL, ACTIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates28/02/2013
DEMISSIONS, NOMINATIONS
PDF
Mandates23/06/2008
DEMISSIONS, NOMINATIONS
PDF
Mandates08/02/2007
DEMISSIONS, NOMINATIONS
PDF
Other28/07/2006
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

2024
Annual accounts 202480,4 k €↓
2023
Annual accounts 2023160,4 k €↓
2022
Annual accounts 2022205,6 k €↓
2021
Annual accounts 2021243,4 k €↑
2020
Annual accounts 202047,6 k €↓
2019
Annual accounts 2019456 k €↑
2018
Annual accounts 201835,9 k €↓
2017
Annual accounts 201754,5 k €↓
2016
Annual accounts 2016145,7 k €↑
2015
Annual accounts 2015123,2 k €↑
2014
Annual accounts 201489,7 k €↓
2013
Annual accounts 201398,6 k €↓
2012
Annual accounts 2012139,6 k €↑
2011
Annual accounts 201190,4 k €↑
2010
Annual accounts 201073,1 k €↓
2009
Annual accounts 200978,2 k €↓
2008
Annual accounts 200881,4 k €↑
2007
Annual accounts 200745,6 k €
18/07/2006
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

CUVELIER ASSURANCES

Overview

What does CUVELIER ASSURANCES do?

Trend over 18 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