Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 10 to 9.
Financials
Financial year 2025
AGIFRA TUBIZE from Tubize, company number BE0436684793, closed financial year 2025 with a result of € 399,023 after tax. For that financial year AGIFRA TUBIZE recorded a gross margin of € 1.4 million and equity of € 1.6 million. Compared with financial year 2024, the result moved from € 461,557 to € 399,023. 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 July 31, 2026.
€ 1.6 million
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 399,023
▼ 14% vs 2024
Profit after tax over the fiscal year.
€ 1.2 million
▼ 17% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 360,000 paid out
90 % of the profit went to the shareholders, mostly to AGIFRA (100 % of the shares). That is where the money ends up.
People and assets in 2025
9
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 594,546
▲ 2% vs 2024
€ 66,100 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.
€ 131,514
▲ 177% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 810,358
▲ € 703,693 vs 2024
€ 24,659 is repaid this year. At this pace the long-term loan is gone in ≈ 33 years.
€ 56,689
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 149,573
▼ 17% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,655,659 | € 1,739,402 | - | - | |
| Gross margin | € 1,199,600 | € 1,418,327 | € 1,477,873 | € 1,429,326 | ▼ 3% |
| Profit after taxes | € 352,020 | € 351,673 | € 461,557 | € 399,023 | ▼ 14% |
| Equity | € 1,440,208 | € 1,491,881 | € 1,553,438 | € 1,592,461 | ▲ 3% |
| Total debts | € 480,385 | € 710,067 | € 729,908 | € 1,377,120 | ▲ 89% |
| Cash | € 838,637 | € 1,401,901 | € 1,427,528 | € 1,181,404 | ▼ 17% |
| Land & buildings | - | - | - | € 337,746 | |
| Retained profit | € 1,421,608 | € 1,473,281 | € 1,534,838 | € 1,573,861 | ▲ 3% |
| Dividend | € 0 | € 300,000 | € 400,000 | € 360,000 | ▼ 10% |
| Bank debt | € 373,248 | € 235,514 | € 106,665 | € 810,358 | ▲ € 703,693 |
| Balance sheet total | € 1,920,593 | € 2,201,948 | € 2,283,346 | € 2,969,581 | ▲ 30% |
| Employees (FTE) | 10 | 10 | 9.4 | 9 | ▼ 0.4 |
Key figures of AGIFRA TUBIZE, 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 AGIFRA TUBIZE?
What happened at AGIFRA TUBIZE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 399,023 (▼ 14% vs 2024). Source: NBB ↗
- AGIFRA SA became a director. NBB
- New establishment in Tubize. KBO
- Start of the company according to the CBE. KBO
In short
From € 352,020 profit in 2022 to € 399,023 profit in 2025.
Paid € 792,882 in corporate taxes since 2022.
Best year ever: 2024, with € 461,557 profit.
On average € 158,800 of value added per employee in 2025.
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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 AGIFRA, DE WALS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
AGIFRA TUBIZEBehind AGIFRA TUBIZE is AGIFRA SA. The shares are held by AGIFRA (100%) and DE WALS (98.8%).
Directors
According to the 2025 annual accounts
Managing director · represented by FRANCOIS GILLARD
Also active at: AGIFRA NAMUR, SYMBIHOUSE NIVELLES BRABANT WALLON
since 2023
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard Georges Deryck 161
1480 Tubize
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0436.684.793
- VAT number
- BE 0436.684.793
- Registered office
- Boulevard Georges Deryck 161, 1480 Tubize
- Names & denominations
- AGIFRA TUBIZE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 January 1989
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten