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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Tight liquidity NBB
Cash and receivables cover 33 % of short-term debt in 2025; threshold 65 %.
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Figures corrected NBB
Corrected annual account filed for 2023.
Financials
Financial year 2025
AGIFRA from Braine-l'Alleud, company number BE0437717448, closed financial year 2025 with a result of € 1.5 million after tax. For that financial year AGIFRA recorded a gross margin of € 2.2 million and equity of € 4.3 million. Compared with financial year 2024, the result moved from € 747,128 to € 1.5 million. 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 July 31, 2026.
€ 4.3 million
▲ 40% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.5 million
▲ 97% vs 2024
Profit after tax over the fiscal year.
€ 293,347
▲ 223% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 240,000 paid out
16 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
12.2
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 917,402
▲ 3% vs 2024
€ 75,200 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.
€ 168,588
▲ 30% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.4 million
▼ 29% vs 2024
€ 820,521 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 126,065
▲ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 150,241
▲ 39% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 2,432,102 | - | - | - | |
| Gross margin | € 1,860,307 | € 1,940,350 | € 1,969,292 | € 2,231,340 | ▲ 13% |
| Profit after taxes | € 436,367 | € 401,659 | € 747,128 | € 1,470,677 | ▲ 97% |
| Equity | € 2,219,956 | € 2,501,615 | € 3,098,742 | € 4,329,418 | ▲ 40% |
| Total debts | € 2,642,909 | € 6,270,471 | € 5,197,386 | € 3,959,710 | ▼ 24% |
| Cash | € 1,113,183 | € 102,015 | € 90,807 | € 293,347 | ▲ 223% |
| Land & buildings | € 649,335 | € 608,992 | € 578,665 | € 545,118 | ▼ 6% |
| Retained profit | € 919,874 | € 1,201,532 | € 1,798,659 | € 3,029,336 | ▲ 68% |
| Dividend | € 240,000 | € 120,000 | € 150,000 | € 240,000 | ▲ 60% |
| Bank debt | € 2,137,977 | € 5,974,070 | € 4,864,698 | € 3,443,404 | ▼ 29% |
| Balance sheet total | € 4,867,538 | € 8,774,880 | € 8,297,638 | € 8,289,899 | |
| Employees (FTE) | - | 11.1 | 11.6 | 12.2 | ▲ 0.6 |
Key figures of AGIFRA, 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?
What happened at AGIFRA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1.5 million (▲ 97% vs 2024). Source: NBB ↗
- New establishment in Nivelles. KBO
- New establishment in Braine-l'Alleud. KBO
- Start of the company according to the CBE. KBO
In short
From € 436,367 profit in 2022 to € 1.5 million profit in 2025.
Paid € 547,264 in corporate taxes since 2022.
Best year ever: 2025, with € 1.5 million profit.
On average € 182,900 of value added per employee in 2025.
A new publication or filing at AGIFRA? 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
Behind AGIFRA is FRANCOIS GILLARD. It owns 100% of AGIFRA CORPORATE, 100% of AGIFRA NAMUR, 100% of SYMBIHOUSE NIVELLES BW, 100% of AGIFRA TUBZE and 50% of ONE SERVICES itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue du Hautmont 8
1421 Braine-l'Alleud
Mont Saint-Roch 6
1400 Nivelles
Active since 18 May 2004
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0437.717.448
- VAT number
- BE 0437.717.448
- Registered office
- Rue du Hautmont 8, 1421 Braine-l'Alleud
- Names & denominations
- AGIFRA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 13 June 1989
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten