Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 11.1 to 7.9.
Financials
Financial year 2025
PROMISIA ASSURANCES from Malmedy, company number BE0420178858, closed financial year 2025 with a result of € 157,434 after tax. For that financial year PROMISIA ASSURANCES recorded a gross margin of € 619,786 and equity of € 586,645. Compared with financial year 2024, the result moved from € 86,527 to € 157,434. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 4, 2026.
€ 586,645
▼ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 157,434
▲ 82% vs 2024
Profit after tax over the fiscal year.
€ 403,707
▲ 9% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 225,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
7.9
▼ 2.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 361,599
▼ 39% vs 2024
€ 45,800 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 27,562
▲ 190% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 46,560
▲ 110% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 72,052
▲ 14% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 657,455 | € 706,900 | € 795,201 | € 619,786 | ▼ 22% |
| Profit after taxes | € 21,645 | € 20,940 | € 86,527 | € 157,434 | ▲ 82% |
| Equity | € 606,744 | € 597,684 | € 654,211 | € 586,645 | ▼ 10% |
| Total debts | € 296,818 | € 218,094 | € 129,569 | € 314,680 | ▲ 143% |
| Cash | € 314,411 | € 441,024 | € 368,746 | € 403,707 | ▲ 9% |
| Retained profit | € -7 | € -9,067 | € 47,460 | € -20,106 | ▼ € 67,566 |
| Dividend | € 30,000 | € 30,000 | € 30,000 | € 225,000 | ▲ € 195,000 |
| Bank debt | € 59,937 | € 49,422 | € 17,595 | € 0 | ▼ 100% |
| Balance sheet total | € 903,562 | € 815,778 | € 783,780 | € 901,325 | ▲ 15% |
| Employees (FTE) | 11.4 | 11.1 | 10.4 | 7.9 | ▼ 2.5 |
Key figures of PROMISIA ASSURANCES, 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 PROMISIA ASSURANCES?
What happened at PROMISIA ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Carole MARECHAL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 157,434 (▲ 82% vs 2024). filed late Source: NBB ↗
- Carole MARECHAL became a director. NBB
- New establishment in Spa. KBO
- New establishment in Ferrières. KBO
- MARE INVEST SA became a director. NBB
- New establishment in Malmedy. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,645 profit in 2022 to € 157,434 profit in 2025.
Paid € 120,668 in corporate taxes since 2022.
Best year ever: 2025, with € 157,434 profit.
On average € 78,500 of value added per employee in 2025.
Management
The stake of MARE INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PROMISIA ASSURANCESBehind PROMISIA ASSURANCES is MARE INVEST SA. The shares are held by MARE INVEST (57%).
Directors
According to the 2025 annual accounts
Managing director · represented by Raymond MARECHAL
Also active at: PROMISIA FINANCES
since 2007
since 2025 · until 2031
Shareholders
57%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue des Alliés 82a
4960 Malmedy
Avenue des Alliés 82A
4960 Malmedy
Active since 1 January 1980
Avenue Reine Astrid 168
4900 Spa
Active since 1 January 2014
Allée du Cortil Lava 1
4190 Ferrières
Active since 1 January 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Details
- Company number
- 0420.178.858
- VAT number
- BE 0420.178.858
- Registered office
- Avenue des Alliés 82a, 4960 Malmedy
- Names & denominations
- PROMISIA ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 December 1979
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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