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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 8 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ASSURFINANCE JEAN-FRANCOIS CAULIER from Jurbise, company number BE0425829901, closed financial year 2025 with a result of € 58,183 after tax. For that financial year ASSURFINANCE JEAN-FRANCOIS CAULIER recorded a gross margin of € 612,269 and equity of € -424,719. Compared with financial year 2024, the result moved from € -77,876 to € 58,183. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 22, 2026.
€ -424,719
▲ € 52,064 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,183
▲ still € 77,876 loss in 2024
Profit after tax over the fiscal year.
€ 2,398
▲ 3% 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 € -591,965.
People and assets in 2025
€ 291,340
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 4,175
▼ 74% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 877,598
▼ 24% vs 2024
€ 149,317 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 75,902
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 126,832
▲ 53% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 410,489 | € 394,953 | € 370,936 | € 612,269 | ▲ 65% |
| Profit after taxes | € -63,317 | € -25,326 | € -77,876 | € 58,183 | ▲ € 136,059 |
| Equity | € -361,343 | € -392,788 | € -476,783 | € -424,719 | ▲ € 52,064 |
| Total debts | € 1,702,930 | € 1,593,486 | € 1,568,986 | € 1,366,444 | ▼ 13% |
| Cash | € 1,129 | - | € 2,323 | € 2,398 | ▲ 3% |
| Land & buildings | € 669,437 | € 646,144 | € 623,371 | € 600,599 | ▼ 4% |
| Retained profit | € -546,946 | € -572,272 | € -650,148 | € -591,965 | ▲ € 58,183 |
| Bank debt | € 1,496,160 | € 1,338,942 | € 1,153,176 | € 877,598 | ▼ 24% |
| Balance sheet total | € 1,447,226 | € 1,304,159 | € 1,193,487 | € 1,040,831 | ▼ 13% |
Key figures of ASSURFINANCE JEAN-FRANCOIS CAULIER, 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 ASSURFINANCE JEAN-FRANCOIS CAULIER?
What happened at ASSURFINANCE JEAN-FRANCOIS CAULIER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 58,183. filed late Source: NBB ↗
- New establishment in Hensies. KBO
- New establishment in Jurbise. KBO
- Start of the company according to the CBE. KBO
In short
From € 63,317 loss in 2022 to € 58,183 profit in 2025.
Paid € 116,328 in corporate taxes since 2022.
Best year ever: 2025, with € 58,183 profit.
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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
Behind ASSURFINANCE JEAN-FRANCOIS CAULIER are CLAIRE CAULIER, Roel Bierens and JEAN-FRANCOIS CAULIER. JEAN-FRANCOIS CAULIER is also behind PATRIMOINE CONSULT.
Directors
According to the 2025 annual accounts
CLAIRE CAULIER
Manager
Roel Bierens
Director
Establishments
Establishment units
Physical locations of this company
Rue des Prés(MJ) 38
7050 Jurbise
Route d'Ath(J) 321
7050 Jurbise
Active since 3 May 1984
Rue Ferrer(TH) 30
7350 Hensies
Active since 1 January 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0425.829.901
- VAT number
- BE 0425.829.901
- Registered office
- Rue des Prés(MJ) 38, 7050 Jurbise
- Names & denominations
- ASSURFINANCE JEAN-FRANCOIS CAULIER · ASSURFIN JF CAULIER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 May 1984
- Peppol
- Active · Active since 13 Oct 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
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