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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Shrinking team NBB
FTE fell two years in a row, from 3.4 to 2.6.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
LUC MOISE ASSURANCES from Liège, company number BE0434663928, closed financial year 2025 with a result of € 953,584 after tax. For that financial year LUC MOISE ASSURANCES recorded a gross margin of € 1.5 million and equity of € 1.4 million. Compared with financial year 2024, the result moved from € 405,946 to € 953,584. Profitable, and profit is growing. 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 August 11, 2026.
€ 1.4 million
▲ 125% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 953,584
▲ 135% vs 2024
Profit after tax over the fiscal year.
€ 171,041
▼ 53% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 170,000 paid out
18 % of the profit went to the shareholders, mostly to LUC MOISE INVEST (99 % of the shares). That is where the money ends up.
People and assets in 2025
2.6
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 159,318
▼ 19% vs 2024
€ 61,300 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.
€ 30,057
▼ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 650,060
▼ 10% vs 2024
€ 72,146 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 32,301
▼ 63% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 60,680
▲ 264% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 719,629 | € 488,064 | € 870,122 | € 1,501,861 | ▲ 73% |
| Profit after taxes | € 248,907 | € 114,561 | € 405,946 | € 953,584 | ▲ 135% |
| Equity | € 312,655 | € 317,216 | € 628,163 | € 1,411,747 | ▲ 125% |
| Total debts | € 1,290,282 | € 1,130,408 | € 1,008,359 | € 993,053 | ▼ 2% |
| Cash | € 143,673 | - | € 360,719 | € 171,041 | ▼ 53% |
| Land & buildings | € 272,839 | € 254,037 | € 238,651 | € 219,507 | ▼ 8% |
| Retained profit | € 250,655 | € 255,216 | € 566,163 | € 1,349,747 | ▲ 138% |
| Dividend | € 150,000 | € 110,000 | € 95,000 | € 170,000 | ▲ 79% |
| Bank debt | € 860,138 | € 734,644 | € 719,880 | € 650,060 | ▼ 10% |
| Balance sheet total | € 1,602,937 | € 1,447,624 | € 1,738,037 | € 2,736,972 | ▲ 57% |
| Employees (FTE) | 5.2 | 3.4 | 3 | 2.6 | ▼ 0.4 |
Key figures of LUC MOISE 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 LUC MOISE ASSURANCES?
What happened at LUC MOISE ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Luc MOISE stepped down as director. NBB
- Manon MOISE stepped down as director. NBB
- LUC MOISE INVEST SRL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 953,584 (▲ 135% vs 2024). filed late Source: NBB ↗
- Luc MOISE became a director. NBB
- Manon MOISE became a director. NBB
- LUC MOISE INVEST SRL became a director. NBB
- New establishment in Liège. KBO
In short
From € 248,907 profit in 2022 to € 953,584 profit in 2025.
Paid € 260,707 in corporate taxes since 2022.
Best year ever: 2025, with € 953,584 profit.
On average € 577,600 of value added per employee in 2025.
A new publication or filing at LUC MOISE ASSURANCES? 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 LUC MOISE INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LUC MOISE ASSURANCESThe shares are held by LUC MOISE INVEST (99%).
Directors
According to the 2025 annual accounts
since 2023 · until 2029
since 2023 · until 2029
Managing director · represented by Benjamin MOISE
Also active at: CONDRUZIENNE, SCHYNS CONSULTING
since 2023 · until 2029
Shareholders
99%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard d'Avroy 62/1
4000 Liège
Rue du Long Thier 52
4500 Huy
Active since 27 June 2006
Boulevard d'Avroy 62 box 1A
4000 Liège
Active since 1 October 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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.
Details
- Company number
- 0434.663.928
- VAT number
- BE 0434.663.928
- Registered office
- Boulevard d'Avroy 62/1, 4000 Liège
- Names & denominations
- LUC MOISE ASSURANCES · LMA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1988
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten