What does Assurances Bougard do?

Assurances Bougard is an insurance broker in Ecaussinnes. Public Limited, started on 21 May 1984, 3 establishments.

What is the address of Assurances Bougard?

The registered office of Assurances Bougard is located at Rue Arthur Pouplier 103 box C, 7190 Ecaussinnes.

Is Assurances Bougard still active?

Yes. According to the CBE (30 October 2026) Assurances Bougard is active, legal situation “Normale toestand”, started on 21 May 1984.

Is Assurances Bougard registered on Peppol?

Yes, Assurances Bougard is registered on the Peppol network with ID 0208:0426888288.

What is the enterprise number of Assurances Bougard?

The enterprise number of Assurances Bougard is BE0426888288.

When was Assurances Bougard founded?

Assurances Bougard was founded on 21 May 1984.

Who are the directors of Assurances Bougard?

According to the 2025 annual accounts, the directors of Assurances Bougard are: SOPHIE CAMBIER, HUGUES VANDERBECQ, Pierre FRANCOIS, SOCIETE FINANCIERE ET ECONOMIQUE SRL.

Is Assurances Bougard a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 21 May 1984; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 3 establishments in the CBE.

How much profit did Assurances Bougard make in 2025?

Assurances Bougard posted a profit after taxes of € 106,461 in financial year 2025.

What is the revenue of Assurances Bougard?

As a small company, Assurances Bougard is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 682,604.

How much does an employee at Assurances Bougard earn?

The average wage cost per full-time employee at Assurances Bougard was € 52,500 in 2025: staff costs of € 435,864 for 8.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does Assurances Bougard have?

According to the 2025 annual accounts, Assurances Bougard has 8.3 full-time equivalents (FTE).

Assurances Bougard (Public Limited) - Ecaussinnes

Dossier Assurances Bougard, printed on 30 October 2026 from databakkes.be/en/0426888288/assurances-bougard. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

Assurances Bougard from Ecaussinnes, company number BE0426888288, closed financial year 2025 with a result of € 106,461 after tax. For that financial year Assurances Bougard recorded a gross margin of € 682,604 and equity of € 269,933. Compared with financial year 2024, the result moved from € 117,780 to € 106,461. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.

What it is worth Growing

€ 269,933

▲ 26% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 106,461

▼ 10% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 103,813

▼ 39% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 50,000 paid out

47 % of the profit went to the shareholders, mostly to SOCIETE FINANCIERE ET ECONOMIQUE (94 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

8.3

▼ 0.5 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 435,864

▼ 9% vs 2024

€ 52,500 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.

Vehicles and equipment

€ 9,930

▼ 58% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 402,866

▼ 22% vs 2024

€ 98,158 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 46,526

▼ 20% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 160,417

▲ 60% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 493,798 Gross margin 2022: € 493,798 First fiscal year in the series	€ 601,708 Gross margin 2023: € 601,708 ▲ 22% vs 2022 (€ 493,798) Favourable step	€ 730,537 Gross margin 2024: € 730,537 ▲ 21% vs 2023 (€ 601,708) Favourable step	€ 682,604 Gross margin 2025: € 682,604 ▼ 7% vs 2024 (€ 730,537) Unfavourable step	▼ 7%
Profit after taxes	€ 11,726 Profit after taxes 2022: € 11,726 First fiscal year in the series	€ 81,052 Profit after taxes 2023: € 81,052 ▲ € 69,325 vs 2022 (€ 11,726) Favourable step	€ 117,780 Profit after taxes 2024: € 117,780 ▲ 45% vs 2023 (€ 81,052) Favourable step	€ 106,461 Profit after taxes 2025: € 106,461 ▼ 10% vs 2024 (€ 117,780) Unfavourable step	▼ 10%
Equity	€ 119,641 Equity 2022: € 119,641 First fiscal year in the series	€ 140,692 Equity 2023: € 140,692 ▲ 18% vs 2022 (€ 119,641) Favourable step	€ 213,473 Equity 2024: € 213,473 ▲ 52% vs 2023 (€ 140,692) Favourable step	€ 269,933 Equity 2025: € 269,933 ▲ 26% vs 2024 (€ 213,473) Favourable step	▲ 26%
Total debts	€ 1,025,516 Total debts 2022: € 1,025,516 First fiscal year in the series	€ 995,268 Total debts 2023: € 995,268 ▼ 3% vs 2022 (€ 1,025,516) Favourable step	€ 888,699 Total debts 2024: € 888,699 ▼ 11% vs 2023 (€ 995,268) Favourable step	€ 732,713 Total debts 2025: € 732,713 ▼ 18% vs 2024 (€ 888,699) Favourable step	▼ 18%
Cash	€ 184,043 Cash 2022: € 184,043 First fiscal year in the series	€ 180,602 Cash 2023: € 180,602 ▼ 2% vs 2022 (€ 184,043) Unfavourable step	€ 170,795 Cash 2024: € 170,795 ▼ 5% vs 2023 (€ 180,602) Unfavourable step	€ 103,813 Cash 2025: € 103,813 ▼ 39% vs 2024 (€ 170,795) Unfavourable step	▼ 39%
Land & buildings	€ 820,536 Land & buildings 2022: € 820,536 First fiscal year in the series	€ 799,058 Land & buildings 2023: € 799,058 ▼ 3% vs 2022 (€ 820,536) Unchanged	€ 797,173 Land & buildings 2024: € 797,173 Unchanged (€ 799,058) Unchanged	€ 770,218 Land & buildings 2025: € 770,218 ▼ 3% vs 2024 (€ 797,173) Unchanged	▼ 3%
Retained profit	€ 57,641 Retained profit 2022: € 57,641 First fiscal year in the series	€ 78,692 Retained profit 2023: € 78,692 ▲ 37% vs 2022 (€ 57,641) Favourable step	€ 151,473 Retained profit 2024: € 151,473 ▲ 92% vs 2023 (€ 78,692) Favourable step	€ 207,933 Retained profit 2025: € 207,933 ▲ 37% vs 2024 (€ 151,473) Favourable step	▲ 37%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 60,000 Dividend 2023: € 60,000 Unchanged (€ 0) Unchanged	€ 45,000 Dividend 2024: € 45,000 ▼ 25% vs 2023 (€ 60,000) Unchanged	€ 50,000 Dividend 2025: € 50,000 ▲ 11% vs 2024 (€ 45,000) Unchanged	▲ 11%
Bank debt	€ 699,502 Bank debt 2022: € 699,502 First fiscal year in the series	€ 611,789 Bank debt 2023: € 611,789 ▼ 13% vs 2022 (€ 699,502) Favourable step	€ 513,426 Bank debt 2024: € 513,426 ▼ 16% vs 2023 (€ 611,789) Favourable step	€ 402,866 Bank debt 2025: € 402,866 ▼ 22% vs 2024 (€ 513,426) Favourable step	▼ 22%
Balance sheet total	€ 1,145,157 Balance sheet total 2022: € 1,145,157 First fiscal year in the series	€ 1,135,960 Balance sheet total 2023: € 1,135,960 ▼ 1% vs 2022 (€ 1,145,157) Unchanged	€ 1,102,171 Balance sheet total 2024: € 1,102,171 ▼ 3% vs 2023 (€ 1,135,960) Unchanged	€ 1,002,646 Balance sheet total 2025: € 1,002,646 ▼ 9% vs 2024 (€ 1,102,171) Unchanged	▼ 9%
Employees (FTE)	8.8 Employees (FTE) 2022: 8.8 First fiscal year in the series	7.7 Employees (FTE) 2023: 7.7 ▼ 1.1 vs 2022 (8.8) Unchanged	8.8 Employees (FTE) 2024: 8.8 ▲ 1.1 vs 2023 (7.7) Unchanged	8.3 Employees (FTE) 2025: 8.3 ▼ 0.5 vs 2024 (8.8) Unchanged	▼ 0.5

Key figures of Assurances Bougard, 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 Bougard?

What happened at Assurances Bougard in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2026 SOPHIE CAMBIER stepped down as director. NBB
2026 HUGUES VANDERBECQ stepped down as director. NBB
2026 SOCIETE FINANCIERE ET ECONOMIQUE SRL stepped down as director. NBB
Aug 31, 2026 New annual accounts for financial year 2025: profit of € 106,461 (▼ 10% vs 2024). filed late Source: NBB ↗
2026 Pierre FRANCOIS stepped down as director. NBB
2023 Pierre FRANCOIS became a director. NBB
2020 SOPHIE CAMBIER became a director. NBB
2020 HUGUES VANDERBECQ became a director. NBB

In short

From € 11,726 profit in 2022 to € 106,461 profit in 2025.

Paid € 153,369 in corporate taxes since 2022.

Best year ever: 2024, with € 117,780 profit.

On average € 82,200 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

SOCIETE FINANCIERE ET ECONOMIQUE 94%

The stake of SOCIETE FINANCIERE ET ECONOMIQUE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Assurances Bougard

The shares are held by SOCIETE FINANCIERE ET ECONOMIQUE (94%).

Directors

According to the 2025 annual accounts

SOPHIE CAMBIER

Director

Also active at: BOUGARD- LA LOUVIERE, SOCIETE FINANCIERE ET ECONOMIQUE, ALTRE CAMI

since 2020 · until 2026

HUGUES VANDERBECQ

Director

since 2020 · until 2026

Pierre FRANCOIS

Director

since 2023 · until 2026

SOCIETE FINANCIERE ET ECONOMIQUE SRL

Managing director · represented by SOPHIE CAMBIER

Also active at: Assurances, Gestion et Conseils, BOUGARD- LA LOUVIERE, HECQ - ASSUR, ASSURANCES BOUGARD-SUD, ALTRE CAMI

since 2020 · until 2026

Shareholders

SOCIETE FINANCIERE ET ECONOMIQUE

94%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Arthur Pouplier 103 box C

7190 Ecaussinnes

2.245.421.029

Chaussée de Mons 161

7180 Seneffe

Active since 21 September 2015

2.262.752.850

Rue Edgard Bierny 16

1460 Ittre

Active since 28 March 2017

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0426.888.288

VAT number

BE 0426.888.288

Registered office

Rue Arthur Pouplier 103 bus C, 7190 Ecaussinnes

Names & denominations

Assurances Bougard

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

21 May 1984

Peppol

Active · Active since 16 Sept 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Verstrekken van verbruikskrediet

Handel in eigen onroerend goed

View on CBE Public ↗ Annual accounts (NBB) ↗

Assurances Bougard

Warning lights

Financials

What happened to Assurances Bougard?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Details

Frequently asked questions