GEMIAC is an insurance broker in Profondeville. Public Limited, started on 1 April 1987, 1 establishment.

What is the address of GEMIAC?

The registered office of GEMIAC is located at Rue Léon François(B.V.) 48A box 1, 5170 Profondeville.

Is GEMIAC still active?

Yes. According to the CBE (30 October 2026) GEMIAC is active, legal situation “Normale toestand”, started on 1 April 1987.

Is GEMIAC registered on Peppol?

No, GEMIAC is currently not registered on the Peppol network.

What is the enterprise number of GEMIAC?

The enterprise number of GEMIAC is BE0430695143.

When was GEMIAC founded?

GEMIAC was founded on 1 April 1987.

Who are the directors of GEMIAC?

According to the 2025 annual accounts, the directors of GEMIAC are: LUDOVIC HAMENDE, VIVIANE DINJART.

Is GEMIAC a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 April 1987; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did GEMIAC make in 2025?

GEMIAC posted a profit after taxes of € 17,074 in financial year 2025.

What is the revenue of GEMIAC?

As a small company, GEMIAC is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 79,926.

GEMIAC (Public Limited) - Profondeville - BE0430695143

Dossier GEMIAC, printed on 30 October 2026 from databakkes.be/en/0430695143/gemiac. 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 46 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

GEMIAC from Profondeville, company number BE0430695143, closed financial year 2025 with a result of € 17,074 after tax. For that financial year GEMIAC recorded a gross margin of € 79,926 and equity of € 304,349. Compared with financial year 2024, the result moved from € 3,076 to € 17,074. 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 July 3, 2026.

What it is worth Healthy

€ 304,349

▼ 2% vs 2024

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

Profit Growing

€ 17,074

▲ € 13,999 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 17,386

▼ 9% vs 2024

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

Where the profit goes Pays out

€ 22,500 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Wage cost

€ 21,090

▼ 54% 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.

Vehicles and equipment

€ 2,322

▼ 74% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 14 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.

€ 252,041

▼ 7% vs 2024

€ 17,577 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.

Owed to suppliers

€ 4,586

▼ 38% vs 2024

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

Taxes and wages

€ 5,762

▼ 4% 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	€ 113,538 Gross margin 2022: € 113,538 First fiscal year in the series	€ 98,196 Gross margin 2023: € 98,196 ▼ 14% vs 2022 (€ 113,538) Unfavourable step	€ 90,283 Gross margin 2024: € 90,283 ▼ 8% vs 2023 (€ 98,196) Unfavourable step	€ 79,926 Gross margin 2025: € 79,926 ▼ 11% vs 2024 (€ 90,283) Unfavourable step	▼ 11%
Profit after taxes	€ 5,399 Profit after taxes 2022: € 5,399 First fiscal year in the series	€ 11,851 Profit after taxes 2023: € 11,851 ▲ 120% vs 2022 (€ 5,399) Favourable step	€ 3,076 Profit after taxes 2024: € 3,076 ▼ 74% vs 2023 (€ 11,851) Unfavourable step	€ 17,074 Profit after taxes 2025: € 17,074 ▲ € 13,999 vs 2024 (€ 3,076) Favourable step	▲ € 13,999
Equity	€ 317,348 Equity 2022: € 317,348 First fiscal year in the series	€ 314,199 Equity 2023: € 314,199 ▼ 1% vs 2022 (€ 317,348) Unfavourable step	€ 309,775 Equity 2024: € 309,775 ▼ 1% vs 2023 (€ 314,199) Unfavourable step	€ 304,349 Equity 2025: € 304,349 ▼ 2% vs 2024 (€ 309,775) Unfavourable step	▼ 2%
Total debts	€ 335,183 Total debts 2022: € 335,183 First fiscal year in the series	€ 329,728 Total debts 2023: € 329,728 ▼ 2% vs 2022 (€ 335,183) Favourable step	€ 298,785 Total debts 2024: € 298,785 ▼ 9% vs 2023 (€ 329,728) Favourable step	€ 286,266 Total debts 2025: € 286,266 ▼ 4% vs 2024 (€ 298,785) Favourable step	▼ 4%
Cash	€ 55,643 Cash 2022: € 55,643 First fiscal year in the series	€ 43,561 Cash 2023: € 43,561 ▼ 22% vs 2022 (€ 55,643) Unfavourable step	€ 19,192 Cash 2024: € 19,192 ▼ 56% vs 2023 (€ 43,561) Unfavourable step	€ 17,386 Cash 2025: € 17,386 ▼ 9% vs 2024 (€ 19,192) Unfavourable step	▼ 9%
Land & buildings	€ 411,638 Land & buildings 2022: € 411,638 First fiscal year in the series	€ 398,424 Land & buildings 2023: € 398,424 ▼ 3% vs 2022 (€ 411,638) Unchanged	€ 385,210 Land & buildings 2024: € 385,210 ▼ 3% vs 2023 (€ 398,424) Unchanged	€ 371,995 Land & buildings 2025: € 371,995 ▼ 3% vs 2024 (€ 385,210) Unchanged	▼ 3%
Retained profit	€ 255,348 Retained profit 2022: € 255,348 First fiscal year in the series	€ 252,199 Retained profit 2023: € 252,199 ▼ 1% vs 2022 (€ 255,348) Unfavourable step	€ 247,775 Retained profit 2024: € 247,775 ▼ 2% vs 2023 (€ 252,199) Unfavourable step	€ 242,349 Retained profit 2025: € 242,349 ▼ 2% vs 2024 (€ 247,775) Unfavourable step	▼ 2%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 15,000 Dividend 2023: € 15,000 Unchanged (€ 0) Unchanged	€ 7,500 Dividend 2024: € 7,500 ▼ 50% vs 2023 (€ 15,000) Unchanged	€ 22,500 Dividend 2025: € 22,500 ▲ 200% vs 2024 (€ 7,500) Unchanged	▲ 200%
Bank debt	€ 322,034 Bank debt 2022: € 322,034 First fiscal year in the series	€ 294,049 Bank debt 2023: € 294,049 ▼ 9% vs 2022 (€ 322,034) Favourable step	€ 271,913 Bank debt 2024: € 271,913 ▼ 8% vs 2023 (€ 294,049) Favourable step	€ 252,041 Bank debt 2025: € 252,041 ▼ 7% vs 2024 (€ 271,913) Favourable step	▼ 7%
Balance sheet total	€ 722,565 Balance sheet total 2022: € 722,565 First fiscal year in the series	€ 711,427 Balance sheet total 2023: € 711,427 ▼ 2% vs 2022 (€ 722,565) Unchanged	€ 673,451 Balance sheet total 2024: € 673,451 ▼ 5% vs 2023 (€ 711,427) Unchanged	€ 652,867 Balance sheet total 2025: € 652,867 ▼ 3% vs 2024 (€ 673,451) Unchanged	▼ 3%

Key figures of GEMIAC, 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 GEMIAC?

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

2031 LUDOVIC HAMENDE stepped down as director. NBB
2031 VIVIANE DINJART stepped down as director. NBB
Jul 3, 2026 New annual accounts for financial year 2025: profit of € 17,074 (▲ € 13,999 vs 2024). Source: NBB ↗
2025 LUDOVIC HAMENDE became a director. NBB
2025 VIVIANE DINJART became a director. NBB
Apr 1, 1987 Start of the company according to the CBE. KBO
Mar 24, 1987 New establishment in Profondeville. KBO

In short

From € 5,399 profit in 2022 to € 17,074 profit in 2025.

Paid € 28,792 in corporate taxes since 2022.

Best year ever: 2025, with € 17,074 profit.

Paid out € 45,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Directors

According to the 2025 annual accounts

LUDOVIC HAMENDE

Director

since 2025 · until 2031

VIVIANE DINJART

Managing director

since 2025 · until 2031

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Léon François(B.V.) 48A box 1

5170 Profondeville

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

Details

Company number

0430.695.143

VAT number

BE 0430.695.143

Registered office

Rue Léon François(B.V.) 48A bus 1, 5170 Profondeville

Names & denominations

GEMIAC · C.E.P.

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

1 April 1987

Peppol

Not registered

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

GEMIAC