What is the address of ASSURANCES SPEETJENS RAYMOND?

The registered office of ASSURANCES SPEETJENS RAYMOND is located at Withuis 11, 3790 Voeren.

Is ASSURANCES SPEETJENS RAYMOND still active?

Yes. According to the CBE (31 October 2026) ASSURANCES SPEETJENS RAYMOND is active, legal situation “Normale toestand”, started on 22 April 1988.

Is ASSURANCES SPEETJENS RAYMOND registered on Peppol?

No, ASSURANCES SPEETJENS RAYMOND is currently not registered on the Peppol network.

What is the enterprise number of ASSURANCES SPEETJENS RAYMOND?

The enterprise number of ASSURANCES SPEETJENS RAYMOND is BE0434247620.

When was ASSURANCES SPEETJENS RAYMOND founded?

ASSURANCES SPEETJENS RAYMOND was founded on 22 April 1988.

Who are the directors of ASSURANCES SPEETJENS RAYMOND?

According to the 2025 annual accounts, the directors of ASSURANCES SPEETJENS RAYMOND are: Raymond Speetjens, Georges Speetjens.

Is ASSURANCES SPEETJENS RAYMOND a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 April 1988; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did ASSURANCES SPEETJENS RAYMOND make in 2025?

ASSURANCES SPEETJENS RAYMOND posted a profit after taxes of € 25,560 in financial year 2025.

What is the revenue of ASSURANCES SPEETJENS RAYMOND?

As a small company, ASSURANCES SPEETJENS RAYMOND is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 136,507.

ASSURANCES SPEETJENS RAYMOND (Public Limited) - Voeren

Dossier ASSURANCES SPEETJENS RAYMOND, printed on 31 October 2026 from databakkes.be/en/0434247620/assurances-speetjens-raymond. 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 62 % 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

ASSURANCES SPEETJENS RAYMOND from Voeren, company number BE0434247620, closed financial year 2025 with a result of € 25,560 after tax. For that financial year ASSURANCES SPEETJENS RAYMOND recorded a gross margin of € 136,507 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 32,402 to € 25,560. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2026.

What it is worth Growing

€ 1.2 million

▲ 2% vs 2024

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

Profit Healthy

€ 25,560

▼ 21% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 70,325

▲ 84% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 939,135.

Debts at end 2025

Bank debt ≈ 4 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.

€ 199,318

▼ 20% vs 2024

€ 51,053 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 166,710 Gross margin 2022: € 166,710 First fiscal year in the series	€ 131,727 Gross margin 2023: € 131,727 ▼ 21% vs 2022 (€ 166,710) Unfavourable step	€ 148,258 Gross margin 2024: € 148,258 ▲ 13% vs 2023 (€ 131,727) Favourable step	€ 136,507 Gross margin 2025: € 136,507 ▼ 8% vs 2024 (€ 148,258) Unfavourable step	▼ 8%
Profit after taxes	€ 46,233 Profit after taxes 2022: € 46,233 First fiscal year in the series	€ 12,998 Profit after taxes 2023: € 12,998 ▼ 72% vs 2022 (€ 46,233) Unfavourable step	€ 32,402 Profit after taxes 2024: € 32,402 ▲ 149% vs 2023 (€ 12,998) Favourable step	€ 25,560 Profit after taxes 2025: € 25,560 ▼ 21% vs 2024 (€ 32,402) Unfavourable step	▼ 21%
Equity	€ 1,188,175 Equity 2022: € 1,188,175 First fiscal year in the series	€ 1,131,173 Equity 2023: € 1,131,173 ▼ 5% vs 2022 (€ 1,188,175) Unfavourable step	€ 1,163,575 Equity 2024: € 1,163,575 ▲ 3% vs 2023 (€ 1,131,173) Favourable step	€ 1,189,135 Equity 2025: € 1,189,135 ▲ 2% vs 2024 (€ 1,163,575) Favourable step	▲ 2%
Total debts	€ 431,313 Total debts 2022: € 431,313 First fiscal year in the series	€ 387,338 Total debts 2023: € 387,338 ▼ 10% vs 2022 (€ 431,313) Favourable step	€ 350,404 Total debts 2024: € 350,404 ▼ 10% vs 2023 (€ 387,338) Favourable step	€ 276,968 Total debts 2025: € 276,968 ▼ 21% vs 2024 (€ 350,404) Favourable step	▼ 21%
Cash	€ 32,873 Cash 2022: € 32,873 First fiscal year in the series	€ 23,097 Cash 2023: € 23,097 ▼ 30% vs 2022 (€ 32,873) Unfavourable step	€ 38,184 Cash 2024: € 38,184 ▲ 65% vs 2023 (€ 23,097) Favourable step	€ 70,325 Cash 2025: € 70,325 ▲ 84% vs 2024 (€ 38,184) Favourable step	▲ 84%
Land & buildings	€ 1,539,579 Land & buildings 2022: € 1,539,579 First fiscal year in the series	€ 1,483,782 Land & buildings 2023: € 1,483,782 ▼ 4% vs 2022 (€ 1,539,579) Unchanged	€ 1,459,941 Land & buildings 2024: € 1,459,941 ▼ 2% vs 2023 (€ 1,483,782) Unchanged	€ 1,379,566 Land & buildings 2025: € 1,379,566 ▼ 6% vs 2024 (€ 1,459,941) Unchanged	▼ 6%
Retained profit	€ 938,175 Retained profit 2022: € 938,175 First fiscal year in the series	€ 881,173 Retained profit 2023: € 881,173 ▼ 6% vs 2022 (€ 938,175) Unfavourable step	€ 913,575 Retained profit 2024: € 913,575 ▲ 4% vs 2023 (€ 881,173) Favourable step	€ 939,135 Retained profit 2025: € 939,135 ▲ 3% vs 2024 (€ 913,575) Favourable step	▲ 3%
Dividend	€ 97,000 Dividend 2022: € 97,000 First fiscal year in the series	€ 70,000 Dividend 2023: € 70,000 ▼ 28% vs 2022 (€ 97,000) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 70,000) Unchanged	€ 0 Dividend 2025: € 0 Unchanged (€ 0) Unchanged
Bank debt	€ 348,582 Bank debt 2022: € 348,582 First fiscal year in the series	€ 299,462 Bank debt 2023: € 299,462 ▼ 14% vs 2022 (€ 348,582) Favourable step	€ 249,717 Bank debt 2024: € 249,717 ▼ 17% vs 2023 (€ 299,462) Favourable step	€ 199,318 Bank debt 2025: € 199,318 ▼ 20% vs 2024 (€ 249,717) Favourable step	▼ 20%
Balance sheet total	€ 1,750,389 Balance sheet total 2022: € 1,750,389 First fiscal year in the series	€ 1,645,029 Balance sheet total 2023: € 1,645,029 ▼ 6% vs 2022 (€ 1,750,389) Unchanged	€ 1,636,115 Balance sheet total 2024: € 1,636,115 ▼ 1% vs 2023 (€ 1,645,029) Unchanged	€ 1,583,858 Balance sheet total 2025: € 1,583,858 ▼ 3% vs 2024 (€ 1,636,115) Unchanged	▼ 3%

Key figures of ASSURANCES SPEETJENS RAYMOND, 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 ASSURANCES SPEETJENS RAYMOND?

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

Jun 17, 2026 New annual accounts for financial year 2025: profit of € 25,560 (▼ 21% vs 2024). Source: NBB ↗
May 20, 1988 New establishment in Voeren. KBO
Apr 22, 1988 Start of the company according to the CBE. KBO

In short

From € 46,233 profit in 2022 to € 25,560 profit in 2025.

Paid € 90,537 in corporate taxes since 2022.

Best year ever: 2022, with € 46,233 profit.

Paid out € 167,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Raymond Speetjens Georges Speetjens

ASSURANCES SPEETJENS RAYMOND

Behind ASSURANCES SPEETJENS RAYMOND are Raymond Speetjens and Georges Speetjens.

Directors

According to the 2025 annual accounts

Raymond Speetjens

Director

Georges Speetjens

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Withuis 11

3790 Voeren

2.038.145.984

Withuisstraat 178

3790 Voeren

Active since 20 May 1988

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

Details

Company number: 0434.247.620
VAT number: BE 0434.247.620
Registered office: Withuis 11, 3790 Voeren
Names & denominations: ASSURANCES SPEETJENS RAYMOND
Enterprise type: Rechtspersoon
Legal form: Public limited company
Legal situation: Normale toestand
Start date: 22 April 1988
Peppol: Not registered

View on CBE Public ↗ Annual accounts (NBB) ↗