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 37 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT from La Louvière, company number BE0428723568, closed financial year 2025 with a result of € 34,183 after tax. For that financial year CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT recorded a gross margin of € 252,382 and equity of € 159,227. Compared with financial year 2024, the result moved from € 342 to € 34,183. Profitable, and profit is growing. 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.
€ 159,227
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 34,183
▲ € 33,841 vs 2024
Profit after tax over the fiscal year.
€ 6,681
▲ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 40,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 137,457
▲ 8% 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.
€ 89,212
▼ 39% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 66,657
▼ 35% vs 2024
€ 23,537 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 35,073
▼ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,491
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 208,117 | € 224,808 | € 200,420 | € 252,382 | ▲ 26% |
| Profit after taxes | € 51,896 | € 53,077 | € 342 | € 34,183 | ▲ € 33,841 |
| Equity | € 220,295 | € 211,872 | € 165,044 | € 159,227 | ▼ 4% |
| Total debts | € 205,593 | € 144,761 | € 266,965 | € 211,776 | ▼ 21% |
| Cash | € 106,160 | € 8,344 | € 6,645 | € 6,681 | ▲ 1% |
| Retained profit | € 214,095 | € 205,672 | € 158,844 | € 153,027 | ▼ 4% |
| Dividend | € 60,000 | € 61,500 | € 47,170 | € 40,000 | ▼ 15% |
| Bank debt | € 62,790 | € 37,790 | € 102,061 | € 66,657 | ▼ 35% |
| Balance sheet total | € 425,888 | € 356,632 | € 432,009 | € 371,003 | ▼ 14% |
Key figures of CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT, 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 CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT?
What happened at CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 34,183 (▲ € 33,841 vs 2024). filed late Source: NBB ↗
- New establishment in La Louvière. KBO
- Start of the company according to the CBE. KBO
In short
From € 51,896 profit in 2022 to € 34,183 profit in 2025.
Paid € 72,570 in corporate taxes since 2022.
Best year ever: 2023, with € 53,077 profit.
Paid out € 208,670 in dividends to the owners in total.
A new publication or filing at CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT? 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 GROUPE HRVG comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUTBehind CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT is Vincent Minnella. The shares are held by GROUPE HRVG (70%).
Directors
According to the 2025 annual accounts
Shareholders
70%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Temple(L.L) 8
7100 La Louvière
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
DNS
OVH DNS
Website info
Features
Security
Network
Details
- Company number
- 0428.723.568
- VAT number
- BE 0428.723.568
- Registered office
- Rue du Temple(L.L) 8, 7100 La Louvière
- Names & denominations
- CENTRALE D'ASSURANCES ET DE CREDITS DU HAINAUT · C.A.C.H.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 March 1986
- Peppol
- Active · Active since 3 Dec 2025
- Contact
- cach.be [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten