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 36 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
14 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
COURTIERS ASSOCIES from Schaarbeek, company number BE0429719797, closed financial year 2025 with a result of € 4,472 after tax. For that financial year COURTIERS ASSOCIES recorded a gross margin of € 612,017 and equity of € 705,349. Compared with financial year 2024, the result moved from € 137,523 to € 4,472. 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 September 14, 2026.
€ 705,349
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 4,472
▼ 97% vs 2024
Profit after tax over the fiscal year.
€ 111,099
▼ 31% 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 € 686,757.
People and assets in 2025
6.1
Average over the fiscal year, from the social balance sheet.
€ 306,385
▲ 18% vs 2024
€ 50,200 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.
€ 136,619
▲ 8% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.8 million
▲ € 1.3 million vs 2024
€ 250,686 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 18,830
▼ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 102,791
▼ 10% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 855,881 | € 512,039 | € 564,819 | € 612,017 | ▲ 8% |
| Profit after taxes | € 488,650 | € 109,241 | € 137,523 | € 4,472 | ▼ 97% |
| Equity | € 512,896 | € 563,354 | € 700,878 | € 705,349 | ▲ 1% |
| Total debts | € 1,139,446 | € 1,066,801 | € 1,303,355 | € 2,606,136 | ▲ 100% |
| Cash | € 77,769 | € 140,783 | € 161,824 | € 111,099 | ▼ 31% |
| Land & buildings | € 2,423 | € 2,174 | € 1,926 | € 1,677 | ▼ 13% |
| Retained profit | € 494,304 | € 544,762 | € 682,286 | € 686,757 | ▲ 1% |
| Dividend | € 85,000 | € 50,000 | € 0 | € 0 | |
| Bank debt | € 570,925 | € 524,816 | € 431,341 | € 1,763,098 | ▲ € 1.3 million |
| Balance sheet total | € 1,769,843 | € 1,745,758 | € 2,117,207 | € 3,412,929 | ▲ 61% |
| Employees (FTE) | 4 | 5 | 0 | 6.1 |
Key figures of COURTIERS ASSOCIES, 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 COURTIERS ASSOCIES?
What happened at COURTIERS ASSOCIES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 4,472 (▼ 97% vs 2024). filed late Source: NBB ↗
- Loroma Consult SRL became a director. NBB
- Sébastian De Rycke became a director. NBB
- Emilie Desmedt became a director. NBB
- Benoit Desmedt became a director. NBB
- New establishment in Schaarbeek. KBO
- Didier Desmedt became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 488,650 profit in 2022 to € 4,472 profit in 2025.
Paid € 166,842 in corporate taxes since 2022.
Best year ever: 2022, with € 488,650 profit.
On average € 100,300 of value added per employee in 2025.
A new publication or filing at COURTIERS ASSOCIES? 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
Behind COURTIERS ASSOCIES are Sébastian De Rycke, Loroma Consult SRL, Didier Desmedt, Benoit Desmedt and Emilie Desmedt. It owns 100% of Saint-Job Finance, 100% of TDBY Invest and 100% of Coass Finance itself.
Directors
According to the 2025 annual accounts
since 2014
Director · represented by Didier Bergeret
Also active at: Cabinet de Conseils et d'Assurances
since 2025
Didier Desmedt
Director
Also active at: ASSOCIATION NATIONALE D'AIDE A L'INCLUSION SOCIALE, SAINT JOB FINANCE, TDBY INVEST
since 1986
Benoit Desmedt
Director
Also active at: VIP ASSISTANCE, COASS FINANCE, SAINT JOB FINANCE, TDBY INVEST
since 2007
since 2011
Establishments
Establishment units
Physical locations of this company
Auguste Reyerslaan 207-209
1030 Schaarbeek
Auguste Reyerslaan 207-209 box ET5
1030 Schaarbeek
Active since 23 January 1987
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 14 companies are registered at this address.
All companies at this address →VIP ASSISTANCE same network
€ 8,142 gross margin · 2025
Unité TVA "Courtiers Associés"
LOROMA CONSULT same network
€ 135,069 revenue · 2025
GROUPE BERGERET
TIGRES
+9 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
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Details
- Company number
- 0429.719.797
- VAT number
- BE 0429.719.797
- Registered office
- Auguste Reyerslaan 207-209, 1030 Schaarbeek
- Names & denominations
- COURTIERS ASSOCIES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 October 1986
- Peppol
- Active · Active since 20 Nov 2020
- Contact
- courtiers-associes.be 02/732.18.15
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten