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 7.7 to 6.7.
Financials
Financial year 2025
PAQUES-GAICKI Finances from Ans, company number BE0424299180, closed financial year 2025 with a result of € 151,442 after tax. For that financial year PAQUES-GAICKI Finances recorded a gross margin of € 673,539 and equity of € 737,214. Compared with financial year 2024, the result moved from € 301,180 to € 151,442. 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 January 21, 2026.
€ 737,214
▲ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 151,442
▼ 50% vs 2024
Profit after tax over the fiscal year.
€ 430,076
▲ 5% 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 € 638,057.
People and assets in 2025
6.7
▼ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 384,871
▼ 7% vs 2024
€ 57,400 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.
€ 41,656
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 131,282
▼ 2% vs 2024
€ 44,856 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 14,541
▲ 171% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 51,749
▼ 8% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 761,198 | € 595,666 | € 723,089 | € 673,539 | ▼ 7% |
| Profit after taxes | € 362,214 | € 107,646 | € 301,180 | € 151,442 | ▼ 50% |
| Equity | € 434,946 | € 372,592 | € 585,772 | € 737,214 | ▲ 26% |
| Total debts | € 430,925 | € 430,000 | € 367,026 | € 198,543 | ▼ 46% |
| Cash | € 349,760 | € 196,679 | € 410,697 | € 430,076 | ▲ 5% |
| Land & buildings | € 51,842 | € 63,609 | € 53,168 | € 46,682 | ▼ 12% |
| Retained profit | € 335,789 | € 273,435 | € 486,615 | € 638,057 | ▲ 31% |
| Dividend | € 400,000 | € 170,000 | € 88,000 | € 0 | ▼ 100% |
| Bank debt | € 126,013 | € 122,815 | € 133,851 | € 131,282 | ▼ 2% |
| Balance sheet total | € 865,871 | € 802,592 | € 952,798 | € 935,757 | ▼ 2% |
| Employees (FTE) | 7.7 | 7.7 | 7.6 | 6.7 | ▼ 0.9 |
Key figures of PAQUES-GAICKI Finances, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to PAQUES-GAICKI Finances?
What happened at PAQUES-GAICKI Finances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 151,442 (▼ 50% vs 2024). Source: NBB ↗
- DENIS PAQUES GESTION INVESTISS SPRL stepped down as director. NBB
- Henry Jean G PAQUES stepped down as director. NBB
- SYLVIE PAQUES GESTION INVESTIS SPRL stepped down as director. NBB
- DENIS PAQUES GESTION INVESTISS SPRL became a director. NBB
- Henry Jean G PAQUES became a director. NBB
- SYLVIE PAQUES GESTION INVESTIS SPRL became a director. NBB
- New establishment in Ans. KBO
In short
From € 362,214 profit in 2022 to € 151,442 profit in 2025.
Paid € 235,039 in corporate taxes since 2022.
Best year ever: 2022, with € 362,214 profit.
On average € 100,500 of value added per employee in 2025.
A new publication or filing at PAQUES-GAICKI Finances? 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
The stake of Denis Paques Gestion Investissements, Sylvie Paques Gestion Investissements comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PAQUES-GAICKI FinancesThe shares are held by Denis Paques Gestion Investissements (49.5%) and Sylvie Paques Gestion Investissements (49.5%). It owns 98.8% of PAQUES-GAICKI ASSURANCES SA itself.
Directors
According to the 2025 annual accounts
DENIS PAQUES GESTION INVESTISS SPRL
Director · represented by Denis Dominique C Paques
Also active at: PAQUES ET FILS ASSURANCES
since 2018 · until 2024
since 2018 · until 2024
SYLVIE PAQUES GESTION INVESTIS SPRL
Managing director · represented by Sylvie PAQUES
since 2018 · until 2024
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Rue Georges Truffaut 115
4432 Ans
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
Hosting & Email
Email provider
Microsoft 365
Hosting
GOOGLE-CLOUD-PLATFORM - Google LLC, US
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0424.299.180
- VAT number
- BE 0424.299.180
- Registered office
- Rue Georges Truffaut 115, 4432 Ans
- Names & denominations
- PAQUES-GAICKI Finances
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 April 1983
- Peppol
- Active · Active since 13 Jan 2026
- Contact
- bureaupaques.be 003242636888
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Verhuur van woningen, exclusief sociale woningen
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen