Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 57 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
ASSURANCES ETIENNE from Watermaal-Bosvoorde, company number BE0413045893, closed financial year 2025 with a result of € 21,417 after tax. For that financial year ASSURANCES ETIENNE recorded a gross margin of € 96,191 and equity of € 109,149. Compared with financial year 2024, the result moved from € 38,203 to € 21,417. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 109,149
▲ 24% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,417
▼ 44% vs 2024
Profit after tax over the fiscal year.
€ 14
▲ 32% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 90,557.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 34,372
▲ 12% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 4,500
▼ 67% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 86,470
▲ 68% vs 2024
€ 7,118 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 35,268
▼ 35% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,590
▲ 36% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 123,093 | € 124,294 | € 101,639 | € 96,191 | ▼ 5% |
| Profit after taxes | € 66,741 | € 52,138 | € 38,203 | € 21,417 | ▼ 44% |
| Equity | € 87,391 | € 89,529 | € 87,732 | € 109,149 | ▲ 24% |
| Total debts | € 192,232 | € 185,150 | € 191,615 | € 173,592 | ▼ 9% |
| Cash | € 11 | € 11 | € 11 | € 14 | ▲ 32% |
| Retained profit | € 68,799 | € 70,937 | € 69,140 | € 90,557 | ▲ 31% |
| Dividend | € 60,000 | € 50,000 | € 40,000 | € 0 | ▼ 100% |
| Bank debt | € 61,128 | € 65,247 | € 51,584 | € 86,470 | ▲ 68% |
| Balance sheet total | € 279,623 | € 274,679 | € 279,347 | € 282,741 | ▲ 1% |
Key figures of ASSURANCES ETIENNE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to ASSURANCES ETIENNE?
What happened at ASSURANCES ETIENNE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,417 (▼ 44% vs 2024). filed late Source: NBB ↗
- Nathalie ETIENNE became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Brussel. KBO
In short
From € 66,741 profit in 2022 to € 21,417 profit in 2025.
Paid € 70,155 in corporate taxes since 2022.
Best year ever: 2022, with € 66,741 profit.
Paid out € 150,000 in dividends to the owners in total.
A new publication or filing at ASSURANCES ETIENNE? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind ASSURANCES ETIENNE is Nathalie ETIENNE.
Directors
According to the 2025 annual accounts
Nathalie ETIENNE
Manager
since 1997
Establishments
Establishment units
Physical locations of this company
Emile Van Becelaerelaan 26B box 20
1170 Watermaal-Bosvoorde
Léon Lepagestraat 23
1000 Brussel
Active since 1 March 1973
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Website info
Features
Details
- Company number
- 0413.045.893
- VAT number
- BE 0413.045.893
- Registered office
- Emile Van Becelaerelaan 26B bus 20, 1170 Watermaal-Bosvoorde
- Names & denominations
- ASSURANCES ETIENNE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 March 1973
- Peppol
- Not registered
- Contact
- assurancesmarceletienne.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars