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 4.2 to 3.3.
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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
SCHYNS ASSURANCES from Herve, company number BE0439630724, closed financial year 2025 with a result of € 310,993 after tax. For that financial year SCHYNS ASSURANCES recorded a gross margin of € 775,514 and equity of € 1.8 million. Compared with financial year 2024, the result moved from € 267,771 to € 310,993. Profitable, and profit is growing. 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 May 6, 2026.
€ 1.8 million
▼ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 310,993
▲ 16% vs 2024
Profit after tax over the fiscal year.
€ 1.9 million
▲ 14% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 789,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
3.3
▼ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 231,626
▼ 3% vs 2024
€ 70,200 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.
€ 163,268
▼ 17% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 12,652
▼ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 88,521
▲ 17% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 651,712 | € 706,774 | € 716,988 | € 775,514 | ▲ 8% |
| Profit after taxes | € 268,314 | € 279,115 | € 267,771 | € 310,993 | ▲ 16% |
| Equity | € 1,932,466 | € 2,211,581 | € 2,259,352 | € 1,781,345 | ▼ 21% |
| Total debts | € 97,516 | € 167,890 | € 318,466 | € 892,502 | ▲ 180% |
| Cash | € 1,285,230 | € 1,542,293 | € 1,713,252 | € 1,949,328 | ▲ 14% |
| Land & buildings | € 573,103 | € 563,268 | € 513,307 | € 449,144 | ▼ 12% |
| Retained profit | € 1,870,466 | € 2,149,581 | € 2,197,352 | € 1,719,345 | ▼ 22% |
| Dividend | € 0 | € 0 | € 220,000 | € 789,000 | ▲ 259% |
| Balance sheet total | € 2,029,982 | € 2,379,471 | € 2,577,818 | € 2,673,847 | ▲ 4% |
| Employees (FTE) | 3.8 | 4.2 | 3.9 | 3.3 | ▼ 0.6 |
Key figures of SCHYNS 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 SCHYNS ASSURANCES?
What happened at SCHYNS ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 310,993 (▲ 16% vs 2024). Source: NBB ↗
- Philippe SCHYNS became a director. NBB
- Marc SCHYNS became a director. NBB
- New establishment in Herve. KBO
- Start of the company according to the CBE. KBO
In short
From € 268,314 profit in 2022 to € 310,993 profit in 2025.
Paid € 527,781 in corporate taxes since 2022.
Best year ever: 2025, with € 310,993 profit.
On average € 235,000 of value added per employee in 2025.
Management
Behind SCHYNS ASSURANCES are Philippe SCHYNS and Marc SCHYNS.
Directors
According to the 2025 annual accounts
Philippe SCHYNS
Managing director
since 2020
Marc SCHYNS
Managing director
since 2020
Establishments
Establishment units
Physical locations of this company
Place du Marché 2
4651 Herve
Place du Marché 24
4651 Herve
Active since 19 February 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
HETZNER-AS, DE
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0439.630.724
- VAT number
- BE 0439.630.724
- Registered office
- Place du Marché 2, 4651 Herve
- Names & denominations
- SCHYNS ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 23 December 1989
- Peppol
- Not registered
- Activities · NACE
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