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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Tight liquidity NBB
Cash and receivables cover 50 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ASSURANCES ET SERVICES from Mons, company number BE0426532952, closed financial year 2025 with a result of € 20,109 after tax. For that financial year ASSURANCES ET SERVICES recorded a gross margin of € 35,345 and equity of € 157,857. Compared with financial year 2024, the result moved from € 19,840 to € 20,109. Profitable, and profit is growing. 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 August 25, 2026.
€ 157,857
▲ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,109
▲ 1% vs 2024
Profit after tax over the fiscal year.
€ 626
▲ € 514 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 € 138,769.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 1,636
▼ 38% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 94,617
▼ 19% vs 2024
€ 31,046 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 3,372
▲ 32% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,649
▼ 21% 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 | |
|---|---|---|---|---|---|
| Gross margin | € 34,280 | € 39,463 | € 39,628 | € 35,345 | ▼ 11% |
| Profit after taxes | € 16,486 | € 24,979 | € 19,840 | € 20,109 | ▲ 1% |
| Equity | € 100,129 | € 125,109 | € 137,748 | € 157,857 | ▲ 15% |
| Total debts | € 177,786 | € 150,453 | € 130,600 | € 106,638 | ▼ 18% |
| Cash | € 1,577 | € 29 | € 112 | € 626 | ▲ € 514 |
| Retained profit | € 81,041 | € 106,021 | € 118,660 | € 138,769 | ▲ 17% |
| Dividend | € 0 | € 0 | € 7,200 | € 0 | ▼ 100% |
| Bank debt | € 159,648 | € 144,305 | € 116,358 | € 94,617 | ▼ 19% |
| Balance sheet total | € 277,916 | € 275,562 | € 268,348 | € 264,495 | ▼ 1% |
Key figures of ASSURANCES ET SERVICES, 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 ASSURANCES ET SERVICES?
What happened at ASSURANCES ET SERVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 20,109 (▲ 1% vs 2024). filed late Source: NBB ↗
- New establishment in Mons. KBO
- Start of the company according to the CBE. KBO
In short
From € 16,486 profit in 2022 to € 20,109 profit in 2025.
Paid € 42,921 in corporate taxes since 2022.
Best year ever: 2023, with € 24,979 profit.
Paid out € 7,200 in dividends to the owners in total.
Management
Behind ASSURANCES ET SERVICES is Philippe Leleu.
Directors
According to the 2025 annual accounts
Philippe Leleu
Manager
Establishments
Establishment units
Physical locations of this company
Avenue Champ de Bataille 251
7012 Mons
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0426.532.952
- VAT number
- BE 0426.532.952
- Registered office
- Avenue Champ de Bataille 251, 7012 Mons
- Names & denominations
- ASSURANCES ET SERVICES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 November 1984
- Peppol
- Active · Active since 13 Oct 2025
- Contact
- [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
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