Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
MICHEL MOES ASSURANCES from Hannut, company number BE0431715524, closed financial year 2025 with a result of € 198,956 after tax. For that financial year MICHEL MOES ASSURANCES recorded a gross margin of € 402,082 and equity of € 68,593. Compared with financial year 2024, the result moved from € 209,198 to € 198,956. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 20, 2026.
€ 68,593
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 198,956
▼ 5% vs 2024
Profit after tax over the fiscal year.
€ 7,536
Cash and bank balances on the last day of the fiscal year.
€ 199,000 paid out
100 % of the profit went to the shareholders, mostly to MAGEMO (100 % of the shares). That is where the money ends up.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 60,656
▲ 172% vs 2024
€ 60,700 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.
€ 46,858
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 148,543
▼ 18% vs 2024
€ 36,537 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 24,579
▲ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 24,552
▼ 44% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 204,006 | € 324,861 | € 347,433 | € 402,082 | ▲ 16% |
| Profit after taxes | € 134,703 | € 216,868 | € 209,198 | € 198,956 | ▼ 5% |
| Equity | € 69,571 | € 68,439 | € 68,637 | € 68,593 | |
| Total debts | € 385,016 | € 460,941 | € 451,366 | € 414,805 | ▼ 8% |
| Cash | € 8,180 | € 24,486 | € 7,535 | € 7,536 | |
| Land & buildings | € 212,071 | € 200,644 | € 189,218 | € 177,899 | ▼ 6% |
| Retained profit | € 8,071 | € 6,939 | € 7,137 | € 7,093 | ▼ 1% |
| Dividend | € 135,000 | € 218,000 | € 209,000 | € 199,000 | ▼ 5% |
| Bank debt | € 221,565 | € 192,289 | € 181,503 | € 148,543 | ▼ 18% |
| Balance sheet total | € 454,587 | € 529,380 | € 520,003 | € 483,398 | ▼ 7% |
| Employees (FTE) | - | - | 1 | 1 |
Key figures of MICHEL MOES ASSURANCES, 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 MICHEL MOES ASSURANCES?
What happened at MICHEL MOES ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Laurence CAELS stepped down as director. NBB
- MAGEMO sprl stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 198,956 (▼ 5% vs 2024). filed late Source: NBB ↗
- Laurence CAELS became a director. NBB
- MAGEMO sprl became a director. NBB
- New establishment in Hannut. KBO
- Start of the company according to the CBE. KBO
In short
From € 134,703 profit in 2022 to € 198,956 profit in 2025.
Paid € 193,453 in corporate taxes since 2022.
Best year ever: 2023, with € 216,868 profit.
On average € 402,100 of value added per employee in 2025.
A new publication or filing at MICHEL MOES ASSURANCES? We notify you, reason included.
Follow MICHEL MOES ASSURANCESDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 MAGEMO comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
MICHEL MOES ASSURANCESThe shares are held by MAGEMO (100%).
Directors
According to the 2025 annual accounts
Laurence CAELS
Director
since 2019 · until 2031
Managing director · represented by Géry MOES
since 2007 · until 2031
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de Crehen 3/0.1
4280 Hannut
Rue de Crehen 3 box 1
4280 Hannut
Active since 22 October 1987
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
CLOUDFLARENET - Cloudflare, Inc., US
DNS
Cloudflare DNS
Website info
Features
Security
Network
Details
- Company number
- 0431.715.524
- VAT number
- BE 0431.715.524
- Registered office
- Rue de Crehen 3/0.1, 4280 Hannut
- Names & denominations
- MICHEL MOES ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 April 1987
- Peppol
- Not registered
- Contact
- moesassurances.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Overige financiële dienstverlening, neg