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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
FINANCES ET COURTAGE from Braine-le-Comte, company number BE0427693190, closed financial year 2025 with a result of € 407,615 after tax. For that financial year FINANCES ET COURTAGE recorded a gross margin of € 910,713 and equity of € 462,990. Compared with financial year 2024, the result moved from € 326,748 to € 407,615. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 7, 2026.
€ 462,990
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 407,615
▲ 25% vs 2024
Profit after tax over the fiscal year.
€ 1.1 million
▲ 28% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 400,000 paid out
98 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6
▲ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 298,050
▲ 21% vs 2024
€ 49,700 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.
€ 24,084
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 741,084
▲ 1% vs 2024
€ 145,163 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 31,209
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 88,674
▲ 86% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 761,586 | € 832,083 | € 908,362 | € 910,713 | |
| Profit after taxes | € 258,559 | € 300,459 | € 326,748 | € 407,615 | ▲ 25% |
| Equity | € 228,168 | € 348,627 | € 455,375 | € 462,990 | ▲ 2% |
| Total debts | € 1,162,711 | € 1,159,200 | € 1,033,522 | € 1,254,566 | ▲ 21% |
| Cash | € 413,301 | € 743,966 | € 846,129 | € 1,085,773 | ▲ 28% |
| Land & buildings | € 57,760 | € 51,439 | € 45,117 | € 38,796 | ▼ 14% |
| Retained profit | € 221,118 | € 341,577 | € 448,325 | € 455,939 | ▲ 2% |
| Dividend | € 180,000 | € 180,000 | € 220,000 | € 400,000 | ▲ 82% |
| Bank debt | € 911,569 | € 844,924 | € 734,614 | € 741,084 | ▲ 1% |
| Balance sheet total | € 1,390,880 | € 1,507,828 | € 1,488,898 | € 1,717,556 | ▲ 15% |
| Employees (FTE) | 5.8 | 4.9 | 5.6 | 6 | ▲ 0.4 |
Key figures of FINANCES ET COURTAGE, 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 FINANCES ET COURTAGE?
What happened at FINANCES ET COURTAGE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 407,615 (▲ 25% vs 2024). Source: NBB ↗
- Jean MAROT became a director. NBB
- New establishment in Braine-le-Comte. KBO
- Start of the company according to the CBE. KBO
In short
From € 258,559 profit in 2022 to € 407,615 profit in 2025.
Paid € 451,353 in corporate taxes since 2022.
Best year ever: 2025, with € 407,615 profit.
On average € 151,800 of value added per employee in 2025.
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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 SOCIETE FINANCIERE ET ECONOMIQUE, VANDERBECQ & CO, FINANCES et COURTAGE P.M. comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FINANCES ET COURTAGEBehind FINANCES ET COURTAGE are SRL FINANCES ET COURTAGES P.M. and Jean MAROT. The shares are held by SOCIETE FINANCIERE ET ECONOMIQUE (35%), VANDERBECQ & CO (29.3%) and FINANCES et COURTAGE P.M.. It owns INVEST ASSUR SRL itself.
Directors
According to the 2025 annual accounts
SRL FINANCES ET COURTAGES P.M.
Director · represented by Marie-Eve Marot
Also active at: INVEST ASSUR
since 2022
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Rue de la Station 9
7090 Braine-le-Comte
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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.
Details
- Company number
- 0427.693.190
- VAT number
- BE 0427.693.190
- Registered office
- Rue de la Station 9, 7090 Braine-le-Comte
- Names & denominations
- FINANCES ET COURTAGE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 July 1985
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten