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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
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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
BUREAU D'ETUDES FINANCIERES ET D'ASSURANCES from Philippeville, company number BE0438093174, closed financial year 2025 with a result of € -8,054 after tax. For that financial year BUREAU D'ETUDES FINANCIERES ET D'ASSURANCES recorded a gross margin of € 24,244 and equity of € 344,037. Compared with financial year 2024, the result moved from € -33,642 to € -8,054. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 15, 2026.
€ 344,037
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -8,054
▲ 76 % less loss than in 2024
Profit after tax over the fiscal year.
€ 8,120
▲ 236% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 282,037.
People and assets in 2025
€ 29,132
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 6
▼ 93% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -8,628 | € 51,288 | € -5,773 | € 24,244 | ▲ € 30,017 |
| Profit after taxes | € -34,017 | € -20,526 | € -33,642 | € -8,054 | ▲ € 25,588 |
| Equity | € 406,258 | € 385,732 | € 352,091 | € 344,037 | ▼ 2% |
| Total debts | € 18,224 | € 26,279 | € 35,331 | € 58,549 | ▲ 66% |
| Cash | € 2,522 | € 3,973 | € 2,418 | € 8,120 | ▲ 236% |
| Land & buildings | € 402,486 | € 385,792 | € 369,099 | € 352,405 | ▼ 5% |
| Retained profit | € 344,258 | € 323,732 | € 290,091 | € 282,037 | ▼ 3% |
| Balance sheet total | € 424,482 | € 412,011 | € 387,422 | € 402,586 | ▲ 4% |
Key figures of BUREAU D'ETUDES FINANCIERES ET D'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 BUREAU D'ETUDES FINANCIERES ET D'ASSURANCES?
What happened at BUREAU D'ETUDES FINANCIERES ET D'ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- André DESCARTES stepped down as director. NBB
- Benoît DESCARTES stepped down as director. NBB
- Valérie DESCARTES stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 8,054. Source: NBB ↗
- André DESCARTES became a director. NBB
- Benoît DESCARTES became a director. NBB
- Valérie DESCARTES became a director. NBB
- New establishment in Philippeville. KBO
In short
From € 34,017 loss in 2022 to € 8,054 loss 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
Directors
According to the 2025 annual accounts
André DESCARTES
Managing director
since 2023 · until 2029
since 2023 · until 2029
Valérie DESCARTES
Director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Rue de Roly(SAM) 27
5600 Philippeville
Place d'Armes 18
5600 Philippeville
Active since 14 December 1989
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0438.093.174
- VAT number
- BE 0438.093.174
- Registered office
- Rue de Roly(SAM) 27, 5600 Philippeville
- Names & denominations
- BUREAU D'ETUDES FINANCIERES ET D'ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 28 July 1989
- Peppol
- Not registered