What does AFC INSURANCE - ACRES do?

AFC INSURANCE - ACRES is an insurance broker in Châtelet. Public Limited, started on 29 February 1980, 1 establishment.

What is the address of AFC INSURANCE - ACRES?

The registered office of AFC INSURANCE - ACRES is located at Rue de Liège 22, 6200 Châtelet.

Is AFC INSURANCE - ACRES still active?

Yes. According to the CBE (30 October 2026) AFC INSURANCE - ACRES is active, legal situation “Normale toestand”, started on 29 February 1980.

Is AFC INSURANCE - ACRES registered on Peppol?

Yes, AFC INSURANCE - ACRES is registered on the Peppol network with ID 0208:0420372759.

What is the enterprise number of AFC INSURANCE - ACRES?

The enterprise number of AFC INSURANCE - ACRES is BE0420372759.

When was AFC INSURANCE - ACRES founded?

AFC INSURANCE - ACRES was founded on 29 February 1980.

Who are the directors of AFC INSURANCE - ACRES?

According to the 2025 annual accounts, the directors of AFC INSURANCE - ACRES are: MARIANI ARNAUD SRL, DB MANAGEMENT SRL.

Is AFC INSURANCE - ACRES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 29 February 1980; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did AFC INSURANCE - ACRES make in 2025?

AFC INSURANCE - ACRES posted a profit after taxes of € 129,931 in financial year 2025.

What is the revenue of AFC INSURANCE - ACRES?

In its most recent annual accounts (2025), AFC INSURANCE - ACRES reported revenue of € 1,187,443.

How much does an employee at AFC INSURANCE - ACRES earn?

The average wage cost per full-time employee at AFC INSURANCE - ACRES was € 56,900 in 2025: staff costs of € 307,143 for 5.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does AFC INSURANCE - ACRES have?

According to the 2025 annual accounts, AFC INSURANCE - ACRES has 5.4 full-time equivalents (FTE).

Does AFC INSURANCE - ACRES have a website?

Yes, AFC INSURANCE - ACRES has a website at afcinsurance.be.

AFC INSURANCE - ACRES (Public Limited) - Châtelet

Dossier AFC INSURANCE - ACRES, printed on 30 October 2026 from databakkes.be/en/0420372759/afc-insurance-acres. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

AFC INSURANCE - ACRES from Châtelet, company number BE0420372759, closed financial year 2025 with a result of € 129,931 after tax. For that financial year AFC INSURANCE - ACRES recorded revenue of € 1.2 million and equity of € 82,500. Compared with financial year 2024, the result moved from € 91,982 to € 129,931. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 10, 2026.

What it is worth Healthy

€ 82,500

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 129,931

▲ 41% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 156,260

▲ 51% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 129,931 paid out

100 % of the profit went to the shareholders, mostly to MARIANI ARNAUD (60 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

5.4

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 307,143

▼ 2% vs 2024

€ 56,900 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.

Vehicles and equipment

€ 18,758

▼ 40% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 406,433

▼ 22% vs 2024

€ 122,948 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 14,598

▲ 10% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 32,562

▼ 7% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	€ 1,048,332 Revenue 2022: € 1,048,332 First fiscal year in the series	€ 1,082,251 Revenue 2023: € 1,082,251 ▲ 3% vs 2022 (€ 1,048,332) Favourable step	€ 1,131,477 Revenue 2024: € 1,131,477 ▲ 5% vs 2023 (€ 1,082,251) Favourable step	€ 1,187,443 Revenue 2025: € 1,187,443 ▲ 5% vs 2024 (€ 1,131,477) Favourable step	▲ 5%
Gross margin	€ 473,245 Gross margin 2022: € 473,245 First fiscal year in the series	€ 563,589 Gross margin 2023: € 563,589 ▲ 19% vs 2022 (€ 473,245) Favourable step	€ 609,053 Gross margin 2024: € 609,053 ▲ 8% vs 2023 (€ 563,589) Favourable step	€ 651,858 Gross margin 2025: € 651,858 ▲ 7% vs 2024 (€ 609,053) Favourable step	▲ 7%
Profit after taxes	€ 30,805 Profit after taxes 2022: € 30,805 First fiscal year in the series	€ 95,233 Profit after taxes 2023: € 95,233 ▲ 209% vs 2022 (€ 30,805) Favourable step	€ 91,982 Profit after taxes 2024: € 91,982 ▼ 3% vs 2023 (€ 95,233) Unfavourable step	€ 129,931 Profit after taxes 2025: € 129,931 ▲ 41% vs 2024 (€ 91,982) Favourable step	▲ 41%
Equity	€ 82,500 Equity 2022: € 82,500 First fiscal year in the series	€ 82,500 Equity 2023: € 82,500 Unchanged (€ 82,500) Unchanged	€ 82,500 Equity 2024: € 82,500 Unchanged (€ 82,500) Unchanged	€ 82,500 Equity 2025: € 82,500 Unchanged (€ 82,500) Unchanged
Total debts	€ 842,046 Total debts 2022: € 842,046 First fiscal year in the series	€ 838,071 Total debts 2023: € 838,071 Unchanged (€ 842,046) Favourable step	€ 724,414 Total debts 2024: € 724,414 ▼ 14% vs 2023 (€ 838,071) Favourable step	€ 658,284 Total debts 2025: € 658,284 ▼ 9% vs 2024 (€ 724,414) Favourable step	▼ 9%
Cash	€ 126,430 Cash 2022: € 126,430 First fiscal year in the series	€ 164,737 Cash 2023: € 164,737 ▲ 30% vs 2022 (€ 126,430) Favourable step	€ 103,818 Cash 2024: € 103,818 ▼ 37% vs 2023 (€ 164,737) Unfavourable step	€ 156,260 Cash 2025: € 156,260 ▲ 51% vs 2024 (€ 103,818) Favourable step	▲ 51%
Land & buildings	€ 95,061 Land & buildings 2022: € 95,061 First fiscal year in the series	€ 89,970 Land & buildings 2023: € 89,970 ▼ 5% vs 2022 (€ 95,061) Unchanged	€ 132,674 Land & buildings 2024: € 132,674 ▲ 47% vs 2023 (€ 89,970) Unchanged	€ 161,575 Land & buildings 2025: € 161,575 ▲ 22% vs 2024 (€ 132,674) Unchanged	▲ 22%
Retained profit	€ 7,500 Retained profit 2022: € 7,500 First fiscal year in the series	€ 7,500 Retained profit 2023: € 7,500 Unchanged (€ 7,500) Unchanged	€ 7,500 Retained profit 2024: € 7,500 Unchanged (€ 7,500) Unchanged	€ 7,500 Retained profit 2025: € 7,500 Unchanged (€ 7,500) Unchanged
Dividend	€ 31,428 Dividend 2022: € 31,428 First fiscal year in the series	€ 95,233 Dividend 2023: € 95,233 ▲ 203% vs 2022 (€ 31,428) Unchanged	€ 91,982 Dividend 2024: € 91,982 ▼ 3% vs 2023 (€ 95,233) Unchanged	€ 129,931 Dividend 2025: € 129,931 ▲ 41% vs 2024 (€ 91,982) Unchanged	▲ 41%
Bank debt	€ 742,226 Bank debt 2022: € 742,226 First fiscal year in the series	€ 631,642 Bank debt 2023: € 631,642 ▼ 15% vs 2022 (€ 742,226) Favourable step	€ 518,245 Bank debt 2024: € 518,245 ▼ 18% vs 2023 (€ 631,642) Favourable step	€ 406,433 Bank debt 2025: € 406,433 ▼ 22% vs 2024 (€ 518,245) Favourable step	▼ 22%
Balance sheet total	€ 924,546 Balance sheet total 2022: € 924,546 First fiscal year in the series	€ 920,571 Balance sheet total 2023: € 920,571 Unchanged (€ 924,546) Unchanged	€ 806,914 Balance sheet total 2024: € 806,914 ▼ 12% vs 2023 (€ 920,571) Unchanged	€ 740,784 Balance sheet total 2025: € 740,784 ▼ 8% vs 2024 (€ 806,914) Unchanged	▼ 8%
Employees (FTE)	4.9 Employees (FTE) 2022: 4.9 First fiscal year in the series	5.2 Employees (FTE) 2023: 5.2 ▲ 0.3 vs 2022 (4.9) Unchanged	5.4 Employees (FTE) 2024: 5.4 ▲ 0.2 vs 2023 (5.2) Unchanged	5.4 Employees (FTE) 2025: 5.4 Unchanged (5.4) Unchanged

Key figures of AFC INSURANCE - ACRES, 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 AFC INSURANCE - ACRES?

What happened at AFC INSURANCE - ACRES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2027 MARIANI ARNAUD SRL stepped down as director. NBB
2027 DB MANAGEMENT SRL stepped down as director. NBB
Mar 10, 2026 New annual accounts for financial year 2025: profit of € 129,931 (▲ 41% vs 2024). Source: NBB ↗
2021 DB MANAGEMENT SRL became a director. NBB
2021 MARIANI ARNAUD SRL became a director. NBB
Mar 11, 1988 New establishment in Châtelet. KBO
Feb 29, 1980 Start of the company according to the CBE. KBO

In short

From € 30,805 profit in 2022 to € 129,931 profit in 2025.

Paid € 145,984 in corporate taxes since 2022.

Best year ever: 2025, with € 129,931 profit.

On average € 120,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

MARIANI ARNAUD 60%

DB MANAGEMENT 40%

The stake of MARIANI ARNAUD, DB MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

AFC INSURANCE - ACRES

The shares are held by MARIANI ARNAUD (60%) and DB MANAGEMENT (40%).

Directors

According to the 2025 annual accounts

MARIANI ARNAUD SRL

Managing director · represented by Arnaud MARIANI

since 2021 · until 2027

DB MANAGEMENT SRL

Managing director · represented by Florence BROUTA

since 2021 · until 2027

Shareholders

MARIANI ARNAUD

60%

DB MANAGEMENT

40%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de Liège 22

6200 Châtelet

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 →

AFC INSURANCE

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS afcinsurance.be

Canonical: https://www.afcinsurance.be/fr-be

Technologies

ASP.NETDrupalFont AwesomeMatomoOpenCartOptinMonsterPHPVimeoYoast SEOYouTube Embed

Website info

HTTPS Ja

Languages FR

Features

Webshop Blog Jobs Contact page

Details

Company number

0420.372.759

VAT number

BE 0420.372.759

Registered office

Rue de Liège 22, 6200 Châtelet

Names & denominations

AFC INSURANCE - ACRES

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

29 February 1980

Peppol

Active · Active since 1 Dec 2025

Contact

afcinsurance.be [email protected]

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

AFC INSURANCE - ACRES

Financials

What happened to AFC INSURANCE - ACRES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Website

Technologies

Website info

Features

Details

Frequently asked questions