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 1.9 to 0.1.
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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
ASSURANCES CHRISTIAENS from Mouscron, company number BE0438132865, closed financial year 2025 with a result of € 33,270 after tax. For that financial year ASSURANCES CHRISTIAENS recorded a gross margin of € 60,061 and equity of € 200,334. Compared with financial year 2024, the result moved from € 35,699 to € 33,270. 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 22, 2026.
€ 200,334
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 33,270
▼ 7% vs 2024
Profit after tax over the fiscal year.
€ 19,973
▼ 83% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 33,000 paid out
99 % of the profit went to the shareholders, mostly to IMMOBILIERE CHRISTIAENS (100 % of the shares). That is where the money ends up.
People and assets in 2025
0.1
▼ 1.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 6,882
▼ 81% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 6,820
▼ 44% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 113,172
▲ 76% vs 2024
€ 3,146 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 117,365
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,817
▼ 58% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 91,017 | € 89,201 | € 94,582 | € 60,061 | ▼ 36% |
| Profit after taxes | € 67,407 | € 43,105 | € 35,699 | € 33,270 | ▼ 7% |
| Equity | € 193,760 | € 199,365 | € 200,064 | € 200,334 | |
| Total debts | € 313,604 | € 358,684 | € 246,754 | € 274,249 | ▲ 11% |
| Cash | € 3,678 | € 12,571 | € 120,224 | € 19,973 | ▼ 83% |
| Retained profit | € 131,471 | € 137,076 | € 137,775 | € 138,045 | |
| Dividend | € 60,000 | € 37,500 | € 35,000 | € 33,000 | ▼ 6% |
| Bank debt | € 53,333 | € 100,000 | € 64,302 | € 113,172 | ▲ 76% |
| Balance sheet total | € 507,364 | € 558,049 | € 446,818 | € 474,582 | ▲ 6% |
| Employees (FTE) | 0.8 | 1.9 | 1.4 | 0.1 | ▼ 1.3 |
Key figures of ASSURANCES CHRISTIAENS, 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 CHRISTIAENS?
What happened at ASSURANCES CHRISTIAENS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 33,270 (▼ 7% vs 2024). Source: NBB ↗
- Immobilière Christiaens became a director. NBB
- New establishment in Mouscron. KBO
- Start of the company according to the CBE. KBO
In short
From € 67,407 profit in 2022 to € 33,270 profit in 2025.
Paid € 27,727 in corporate taxes since 2022.
Best year ever: 2022, with € 67,407 profit.
On average € 67,600 of value added per employee in 2024.
A new publication or filing at ASSURANCES CHRISTIAENS? 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 IMMOBILIERE CHRISTIAENS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ASSURANCES CHRISTIAENSBehind ASSURANCES CHRISTIAENS is Immobilière Christiaens. The shares are held by IMMOBILIERE CHRISTIAENS (99.6%).
Directors
According to the 2025 annual accounts
since 2019
Shareholders
99.6%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Tourcoingstraat 104
7700 Mouscron
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
AS-HOSTINGER, CY
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0438.132.865
- VAT number
- BE 0438.132.865
- Registered office
- Tourcoingstraat 104, 7700 Mouscron
- Names & denominations
- ASSURANCES CHRISTIAENS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 August 1989
- Peppol
- Not registered
- Contact
- assuranceschristiaens.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis