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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Shrinking team NBB
FTE fell two years in a row, from 2 to 0.5.
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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
Cabinet de Conseils et d'Assurances from Evere, company number BE0421411946, closed financial year 2025 with a result of € 1.1 million after tax. For that financial year Cabinet de Conseils et d'Assurances recorded revenue of € 300,158 and equity of € 477,970. Compared with financial year 2024, the result moved from € 104,142 to € 1.1 million. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 19, 2026.
€ 477,970
▼ 18% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.1 million
▲ € 1 million vs 2024
Profit after tax over the fiscal year.
€ 1.5 million
▲ 202% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.2 million paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
0.5
▼ 1.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 20,961
▼ 81% 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.
€ 2,587
▼ 37% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 27,841
▼ 32% vs 2024
€ 13,689 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 18,394
▼ 85% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,703
▲ 122% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 493,331 | € 506,342 | € 508,128 | € 300,158 | ▼ 41% |
| Gross margin | € 299,846 | € 305,110 | € 314,760 | € 1,632,203 | ▲ € 1.3 million |
| Profit after taxes | € 123,458 | € 104,326 | € 104,142 | € 1,132,413 | ▲ € 1 million |
| Equity | € 585,409 | € 585,576 | € 585,558 | € 477,970 | ▼ 18% |
| Total debts | € 414,273 | € 313,232 | € 288,521 | € 1,315,045 | ▲ € 1 million |
| Cash | € 548,681 | € 482,840 | € 505,993 | € 1,527,742 | ▲ 202% |
| Land & buildings | € 272,332 | € 258,195 | € 244,057 | € 229,920 | ▼ 6% |
| Retained profit | € 523,409 | € 523,576 | € 523,558 | € 415,970 | ▼ 21% |
| Dividend | € 123,380 | € 104,160 | € 104,160 | € 1,240,000 | ▲ € 1.1 million |
| Bank debt | € 71,279 | € 53,891 | € 41,082 | € 27,841 | ▼ 32% |
| Balance sheet total | € 999,683 | € 898,808 | € 874,079 | € 1,793,016 | ▲ 105% |
| Employees (FTE) | 1.3 | 2 | 1.9 | 0.5 | ▼ 1.4 |
Key figures of Cabinet de Conseils et d'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 Cabinet de Conseils et d'Assurances?
What happened at Cabinet de Conseils et d'Assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- LOROMA CONSULT SRL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 1.1 million (▲ € 1 million vs 2024). filed late Source: NBB ↗
- LOROMA CONSULT SRL became a director. NBB
- New establishment in Etterbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 123,458 profit in 2022 to € 1.1 million profit in 2025.
Paid € 545,038 in corporate taxes since 2022.
Best year ever: 2025, with € 1.1 million profit.
On average € 165,700 of value added per employee in 2024.
Management
The shares are held by LOROMA CONSULT SRL (24.2%).
Directors
According to the 2025 annual accounts
since 2023 · until 2029
Shareholders
24.2%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Herdersliedgaarde 14
1140 Evere
Hansen-Soulielaan 71
1040 Etterbeek
Active since 3 February 1981
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0421.411.946
- VAT number
- BE 0421.411.946
- Registered office
- Herdersliedgaarde 14, 1140 Evere
- Names & denominations
- Cabinet de Conseils et d'Assurances · C.D.C.A.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 February 1981
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars