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 7.2 to 5.
Financials
Financial year 2025
Devaux, Roland Associés from Brussel, company number BE0421319401, closed financial year 2025 with a result of € 200,749 after tax. For that financial year Devaux, Roland Associés recorded a gross margin of € 741,651 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 16,009 to € 200,749. 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 July 24, 2026.
€ 1.2 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 200,749
▲ € 184,740 vs 2024
Profit after tax over the fiscal year.
€ 516,459
▲ 69% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 200,749 paid out
100 % of the profit went to the shareholders, mostly to BERTRAND ROLAND (72 % of the shares). That is where the money ends up.
People and assets in 2025
5
▼ 1.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 419,180
▼ 7% vs 2024
€ 83,800 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.
€ 6,942
▼ 54% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 176,330
▼ 7% vs 2024
€ 33,121 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 33,445
▼ 18% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 57,232
▼ 13% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 770,905 | € 535,506 | € 538,954 | € 741,651 | ▲ 38% |
| Profit after taxes | € 53,649 | € 413 | € 16,009 | € 200,749 | ▲ € 184,740 |
| Equity | € 1,154,821 | € 1,155,234 | € 1,171,244 | € 1,171,244 | |
| Total debts | € 425,333 | € 288,039 | € 297,546 | € 496,492 | ▲ 67% |
| Cash | € 417,959 | € 244,270 | € 305,087 | € 516,459 | ▲ 69% |
| Retained profit | € 951,476 | € 951,889 | € 967,898 | € 967,898 | |
| Dividend | € 0 | € 0 | € 0 | € 200,749 | |
| Bank debt | € 189,155 | € 156,504 | € 189,722 | € 176,330 | ▼ 7% |
| Balance sheet total | € 1,580,155 | € 1,443,273 | € 1,468,790 | € 1,667,735 | ▲ 14% |
| Employees (FTE) | 10.1 | 7.2 | 6.4 | 5 | ▼ 1.4 |
Key figures of Devaux, Roland Associés, 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 Devaux, Roland Associés?
What happened at Devaux, Roland Associés in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 200,749 (▲ € 184,740 vs 2024). Source: NBB ↗
- RISKCare SRL became a director. NBB
- AURELIE DEKEGELEER SRL SRL became a director. NBB
- New establishment in Le Roeulx. KBO
- BERTRAND ROLAND SRL SRL became a director. NBB
- New establishment in Elsene. KBO
- Start of the company according to the CBE. KBO
In short
From € 53,649 profit in 2022 to € 200,749 profit in 2025.
Paid € 134,060 in corporate taxes since 2022.
Best year ever: 2025, with € 200,749 profit.
On average € 148,300 of value added per employee in 2025.
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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
The stake of BERTRAND ROLAND, AURELIE DEKEGELEER, Alain Roland Assurances comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Devaux, Roland AssociésBehind Devaux, Roland Associés are AURELIE DEKEGELEER SRL SRL, RISKCare SRL and BERTRAND ROLAND SRL SRL. The shares are held by BERTRAND ROLAND (71.5%), AURELIE DEKEGELEER (20.5%) and Alain Roland Assurances (5%).
Directors
According to the 2025 annual accounts
since 2021
Director · represented by Herman Kerremans
Also active at: JEAN CRAB ET SES FILS, Sharp Insurance Brokers, Sur., MAXI ASSUR, Howden Sarton, RISK MANAGEMENT ASSURANCES, SERVASSIM, MALFAIT VERZEKERINGSKANTOOR +13 more
since 2025
Director · represented by Bertrand Roland
Also active at: Alain Roland Assurances, FINANCIALLY
since 2008
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Louizalaan 231
1050 Brussel
Rue d'Houdeng(R) 17 box 1
7070 Le Roeulx
Active since 1 October 2016
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0421.319.401
- VAT number
- BE 0421.319.401
- Registered office
- Louizalaan 231, 1050 Brussel
- Names & denominations
- Devaux, Roland Associés · DRA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 6 March 1981
- Peppol
- Active · Active since 19 Jun 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verstrekken van hypothecair krediet
Overige kredietverstrekking