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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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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
POUMAY INSURANCE & INVESTMENT from Malmedy, company number BE0427908669, closed financial year 2025 with a result of € -10,633 after tax. For that financial year POUMAY INSURANCE & INVESTMENT recorded a gross margin of € 90,129 and equity of € 37,407. Compared with financial year 2024, the result moved from € -2,287 to € -10,633. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 24, 2026.
€ 37,407
▼ 22% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -10,633
▼ 365 % more loss than in 2024
Profit after tax over the fiscal year.
€ 21,015
▼ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -24,593.
People and assets in 2025
€ 83,124
▲ 6% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 14,400
▼ 49% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 942
▼ 86% vs 2024
Loans from banks and other lenders, long and short.
€ 10,093
▼ 60% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,842
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 165,050 | € 123,047 | € 110,537 | € 90,129 | ▼ 18% |
| Profit after taxes | € 1,147 | € -9,421 | € -2,287 | € -10,633 | ▼ € 8,346 |
| Equity | € 59,748 | € 50,326 | € 48,040 | € 37,407 | ▼ 22% |
| Total debts | € 93,314 | € 44,729 | € 31,551 | € 17,878 | ▼ 43% |
| Cash | € 7,309 | € 16,909 | € 29,596 | € 21,015 | ▼ 29% |
| Land & buildings | € 51,706 | € 15,021 | - | - | |
| Retained profit | € -2,252 | € -11,674 | € -13,960 | € -24,593 | ▼ € 10,633 |
| Bank debt | € 17,698 | € 12,155 | € 6,570 | € 942 | ▼ 86% |
| Balance sheet total | € 153,062 | € 95,055 | € 79,591 | € 55,284 | ▼ 31% |
Key figures of POUMAY INSURANCE & INVESTMENT, 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 POUMAY INSURANCE & INVESTMENT?
What happened at POUMAY INSURANCE & INVESTMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 10,633. filed late Source: NBB ↗
- CHEFFI SRL became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Malmedy. KBO
In short
From € 1,147 profit in 2022 to € 10,633 loss in 2025.
Paid € 3,298 in corporate taxes since 2022.
Best year ever: 2022, with € 1,147 profit.
A new publication or filing at POUMAY INSURANCE & INVESTMENT? 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 CHEFFI comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
POUMAY INSURANCE & INVESTMENTBehind POUMAY INSURANCE & INVESTMENT is CHEFFI SRL. The shares are held by CHEFFI (100%).
Directors
According to the 2025 annual accounts
Director · represented by Stéphanie BRULS
since 2023
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue du Pont de Warche 10
4960 Malmedy
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
Website info
Features
Security
Network
Details
- Company number
- 0427.908.669
- VAT number
- BE 0427.908.669
- Registered office
- Avenue du Pont de Warche 10, 4960 Malmedy
- Names & denominations
- POUMAY INSURANCE & INVESTMENT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 4 January 1985
- Peppol
- Not registered
- Contact
- poumay.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten