ACTIVE

GAEL FRERE ASSURANCES

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Financial year 2024 · closed on 31/12/2024

Net result

42 k €

+7.2% YoY

Gross margin

106,1 k €

+14.3% YoY

Equity

193,2 k €

+10.9% YoY

What does GAEL FRERE ASSURANCES do?

GAEL FRERE ASSURANCES is a Private limited company incorporated in 2008. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Dinant.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0897.319.086

Incorporation

10/04/2008

Legal form

Private limited company

Registered office

Rue des Vergers 10
5500 Dinant · WallonieSee on map

Contributed capital

8 060,00 €

Latest accounts

31/12/2024

Activities (NACE)

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

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 17 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008
Income statement
Gross margin	106,1 k €	+14.3%	92,8 k €	+13.6%	81,7 k €	+0.3%	81,5 k €	+49.4%	54,6 k €	+54.5%	35,3 k €	+45.6%	24,2 k €	-15.7%	28,8 k €	+42.5%	20,2 k €	-38.1%	32,6 k €	-9.3%	35,9 k €	-39.9%	59,8 k €	+11.9%	53,5 k €	+10.0%	48,6 k €	+17.0%	41,5 k €	+39.0%	29,9 k €	+45.4%	20,6 k €
EBITDA	69,1 k €	+24.3%	55,6 k €	+17.4%	47,3 k €	-2.8%	48,7 k €	+104%	23,9 k €	-32.0%	35,1 k €	+45.5%	24,1 k €	-16.1%	28,8 k €	+45.4%	19,8 k €	-38.9%	32,4 k €	-9.1%	35,6 k €	-40.3%	59,6 k €	+13.3%	52,6 k €	+11.0%	47,4 k €	+19.1%	39,8 k €	+63.7%	24,3 k €	+22.9%	19,8 k €
Operating result	58 k €	+21.9%	47,6 k €	+10.2%	43,2 k €	-6.0%	45,9 k €	+117%	21,2 k €	-37.3%	33,7 k €	+42.1%	23,8 k €	+40.6%	16,9 k €	+118%	7,8 k €	-59.3%	19,1 k €	-12.2%	21,7 k €	-52.2%	45,5 k €	+16.9%	38,9 k €	+77.6%	21,9 k €	+80.2%	12,2 k €	+745%	-1,9 k €	-242%	1,3 k €
Net result	42 k €	+7.2%	39,1 k €	+32.1%	29,6 k €	-7.2%	31,9 k €	+117%	14,7 k €	-36.4%	23,1 k €	+41.8%	16,3 k €	+74.3%	9,3 k €	+254%	2,6 k €	-77.0%	11,5 k €	-11.3%	12,9 k €	-54.8%	28,6 k €	+81.1%	15,8 k €	+153%	6,2 k €	+6350%	96,9 €	+101%	-9,1 k €	-294%	-2,3 k €
Balance sheet
Equity	193,2 k €	+10.9%	174,2 k €	+20.1%	145,1 k €	+16.6%	124,4 k €	+34.5%	92,5 k €	-5.4%	97,8 k €	+30.9%	74,7 k €	+27.9%	58,4 k €	+19.1%	49,1 k €	-28.3%	68,4 k €	+18.5%	57,7 k €	+26.6%	45,6 k €	+168%	17 k €	+1329%	1,2 k €	+123%	-5,1 k €	+1.9%	-5,2 k €	-232%	3,9 k €
Total assets	268,5 k €	+17.2%	229,1 k €	+17.4%	195,1 k €	+26.9%	153,7 k €	+12.0%	137,3 k €	+23.5%	111,2 k €	+17.4%	94,7 k €	+9.3%	86,6 k €	-18.9%	106,8 k €	-8.5%	116,8 k €	-12.3%	133,2 k €	-0.5%	133,9 k €	+15.2%	116,2 k €	-14.8%	136,4 k €	-4.3%	142,4 k €	-11.0%	160 k €	+14.6%	139,6 k €
Cash	99 k €	+92.7%	51,4 k €	-48.3%	99,4 k €	+32.2%	75,2 k €	+79.1%	42 k €	+159%	16,2 k €	+51.8%	10,7 k €	+99.3%	5,4 k €	+153%	2,1 k €	-36.6%	3,3 k €	-78.0%	15,1 k €	+187%	5,3 k €	+164%	2 k €	+430%	377,4 €	-33.3%	565,8 €	-69.0%	1,8 k €	+322%	433,3 €
Debts	71,9 k €	+39.4%	51,6 k €	+10.4%	46,7 k €	+73.8%	26,9 k €	-36.5%	42,4 k €	+286%	11 k €	-37.8%	17,6 k €	-37.6%	28,2 k €	-51.1%	57,8 k €	+19.4%	48,4 k €	-35.8%	75,5 k €	-14.5%	88,3 k €	-11.1%	99,2 k €	-26.6%	135,2 k €	-8.4%	147,5 k €	-10.7%	165,1 k €	+21.7%	135,7 k €

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

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

Active mandates

Gaël FRERE

Director · since 17 avril 2008

Active

Ended mandates

Gaël FRERE

Manager · since 17 avril 2008

Ended

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro 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	24/09/2025	30/09/2024	23/12/2023	23/12/2022	31/08/2021	23/10/2020
General meeting	10/06/2025	10/06/2024	12/06/2023	10/06/2022	10/06/2021	10/06/2020
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

17 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	10/06/2025	24/09/2025	French	PDF
Micro model	31/12/2023	10/06/2024	30/09/2024	French	PDF
Micro model	31/12/2022	12/06/2023	23/12/2023	French	PDF
Micro model	31/12/2021	10/06/2022	23/12/2022	French	PDF
Micro model	31/12/2020	10/06/2021	31/08/2021	French	PDF
Micro model	31/12/2019	10/06/2020	23/10/2020	French	PDF
Micro model	31/12/2018	10/06/2019	29/08/2019	French	PDF
Micro model	31/12/2017	11/06/2018	23/08/2018	French	PDF
Micro model	31/12/2016	12/06/2017	29/09/2017	French	PDF
Abridged model	31/12/2015	10/06/2016	30/08/2016	French	PDF
Abridged model	31/12/2014	10/06/2015	28/08/2015	French	PDF
Abridged model	31/12/2013	10/06/2014	28/08/2014	French	PDF
Abridged model	31/12/2012	10/06/2013	30/08/2013	French	PDF
Abridged model	31/12/2011	11/06/2012	21/08/2012	French	PDF
Abridged model	31/12/2010	10/06/2011	29/08/2011	French	PDF
Abridged model	31/12/2009	10/06/2010	12/08/2010	French	PDF
Abridged model	31/12/2008	10/06/2009	22/06/2009	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 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 · 1 ended

Active mandates

Gaël FRERE

Director · since 17 avril 2008

Active

Ended mandates

Gaël FRERE

Manager · since 17 avril 2008

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates04/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
PDF
Other18/11/2008
ASSEMBLEE GENERALE - DIVERS
PDF
Capital / shares09/10/2008
CAPITAL, ACTIONS - DIVERS
PDF
Other25/04/2008
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 202442 k €↑
2023
Annual accounts 202339,1 k €↑
2022
Annual accounts 202229,6 k €↓
2021
Annual accounts 202131,9 k €↑
2020
Annual accounts 202014,7 k €↓
2019
Annual accounts 201923,1 k €↑
2018
Annual accounts 201816,3 k €↑
2017
Annual accounts 20179,3 k €↑
2016
Annual accounts 20162,6 k €↓
2015
Annual accounts 201511,5 k €↓
2014
Annual accounts 201412,9 k €↓
2013
Annual accounts 201328,6 k €↑
2012
Annual accounts 201215,8 k €↑
2011
Annual accounts 20116,2 k €↑
2010
Annual accounts 201096,9 €↑
2009
Annual accounts 2009-9,1 k €↓
2008
Annual accounts 2008-2,3 k €
10/04/2008
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

GAEL FRERE ASSURANCES

Overview

What does GAEL FRERE ASSURANCES 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