What does TOURNAI ASSURANCES do?

TOURNAI ASSURANCES is an insurance broker in Tournai. Public Limited, started on 26 December 1989, 1 establishment.

What is the address of TOURNAI ASSURANCES?

The registered office of TOURNAI ASSURANCES is located at Quai Andreï Sakharov(TOU) 30, 7500 Tournai.

Is TOURNAI ASSURANCES still active?

Yes. According to the CBE (30 October 2026) TOURNAI ASSURANCES is active, legal situation “Normale toestand”, started on 26 December 1989.

Is TOURNAI ASSURANCES registered on Peppol?

Yes, TOURNAI ASSURANCES is registered on the Peppol network with ID 0208:0439665069.

What is the enterprise number of TOURNAI ASSURANCES?

The enterprise number of TOURNAI ASSURANCES is BE0439665069.

When was TOURNAI ASSURANCES founded?

TOURNAI ASSURANCES was founded on 26 December 1989.

Who are the directors of TOURNAI ASSURANCES?

According to the 2025 annual accounts, the directors of TOURNAI ASSURANCES are: Sylvain Tesse.

Is TOURNAI ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 26 December 1989; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did TOURNAI ASSURANCES make in 2025?

TOURNAI ASSURANCES posted a profit after taxes of € 106,433 in financial year 2025.

What is the revenue of TOURNAI ASSURANCES?

As a small company, TOURNAI ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 318,331.

How much does an employee at TOURNAI ASSURANCES earn?

The average wage cost per full-time employee at TOURNAI ASSURANCES was € 64,600 in 2025: staff costs of € 174,424 for 2.7 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does TOURNAI ASSURANCES have?

According to the 2025 annual accounts, TOURNAI ASSURANCES has 2.7 full-time equivalents (FTE).

TOURNAI ASSURANCES (Public Limited) - Tournai

Dossier TOURNAI ASSURANCES, printed on 30 October 2026 from databakkes.be/en/0439665069/tournai-assurances. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 3.6 to 2.7.

Financials

Financial year 2025

TOURNAI ASSURANCES from Tournai, company number BE0439665069, closed financial year 2025 with a result of € 106,433 after tax. For that financial year TOURNAI ASSURANCES recorded a gross margin of € 318,331 and equity of € 131,967. Compared with financial year 2024, the result moved from € 24,231 to € 106,433. 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 8, 2026.

What it is worth Growing

€ 131,967

▲ 25% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 106,433

▲ € 82,202 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 43,386

▲ € 41,948 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 80,000 paid out

75 % of the profit went to the shareholders, mostly to FINANCIERE DU BEFFROI (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

2.7

▼ 0.4 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 174,424

▲ 9% vs 2024

€ 64,600 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.

Vehicles and equipment

€ 5,381

▲ € 4,316 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 2,009

▼ 59% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 33,117

▼ 20% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 201,340 Gross margin 2022: € 201,340 First fiscal year in the series	€ 202,761 Gross margin 2023: € 202,761 ▲ 1% vs 2022 (€ 201,340) Favourable step	€ 198,529 Gross margin 2024: € 198,529 ▼ 2% vs 2023 (€ 202,761) Unfavourable step	€ 318,331 Gross margin 2025: € 318,331 ▲ 60% vs 2024 (€ 198,529) Favourable step	▲ 60%
Profit after taxes	€ -901 Profit after taxes 2022: € -901 First fiscal year in the series	€ 5,954 Profit after taxes 2023: € 5,954 ▲ € 6,855 vs 2022 (€ -901) Favourable step	€ 24,231 Profit after taxes 2024: € 24,231 ▲ € 18,277 vs 2023 (€ 5,954) Favourable step	€ 106,433 Profit after taxes 2025: € 106,433 ▲ € 82,202 vs 2024 (€ 24,231) Favourable step	▲ € 82,202
Equity	€ 75,350 Equity 2022: € 75,350 First fiscal year in the series	€ 81,304 Equity 2023: € 81,304 ▲ 8% vs 2022 (€ 75,350) Favourable step	€ 105,534 Equity 2024: € 105,534 ▲ 30% vs 2023 (€ 81,304) Favourable step	€ 131,967 Equity 2025: € 131,967 ▲ 25% vs 2024 (€ 105,534) Favourable step	▲ 25%
Total debts	€ 54,043 Total debts 2022: € 54,043 First fiscal year in the series	€ 56,121 Total debts 2023: € 56,121 ▲ 4% vs 2022 (€ 54,043) Unfavourable step	€ 46,485 Total debts 2024: € 46,485 ▼ 17% vs 2023 (€ 56,121) Favourable step	€ 115,127 Total debts 2025: € 115,127 ▲ 148% vs 2024 (€ 46,485) Unfavourable step	▲ 148%
Cash	€ 7,060 Cash 2022: € 7,060 First fiscal year in the series	€ 9,697 Cash 2023: € 9,697 ▲ 37% vs 2022 (€ 7,060) Favourable step	€ 1,438 Cash 2024: € 1,438 ▼ 85% vs 2023 (€ 9,697) Unfavourable step	€ 43,386 Cash 2025: € 43,386 ▲ € 41,948 vs 2024 (€ 1,438) Favourable step	▲ € 41,948
Retained profit	€ 12,218 Retained profit 2022: € 12,218 First fiscal year in the series	€ 18,172 Retained profit 2023: € 18,172 ▲ 49% vs 2022 (€ 12,218) Favourable step	€ 42,402 Retained profit 2024: € 42,402 ▲ 133% vs 2023 (€ 18,172) Favourable step	€ 68,835 Retained profit 2025: € 68,835 ▲ 62% vs 2024 (€ 42,402) Favourable step	▲ 62%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 80,000 Dividend 2025: € 80,000 Unchanged (€ 0) Unchanged
Bank debt	€ 91 Bank debt 2022: € 91 First fiscal year in the series	€ 0 Bank debt 2023: € 0 ▼ 100% vs 2022 (€ 91) Favourable step	€ 9 Bank debt 2024: € 9 Unchanged (€ 0) Unfavourable step	€ 0 Bank debt 2025: € 0 ▼ 100% vs 2024 (€ 9) Favourable step	▼ 100%
Balance sheet total	€ 129,393 Balance sheet total 2022: € 129,393 First fiscal year in the series	€ 137,424 Balance sheet total 2023: € 137,424 ▲ 6% vs 2022 (€ 129,393) Unchanged	€ 152,020 Balance sheet total 2024: € 152,020 ▲ 11% vs 2023 (€ 137,424) Unchanged	€ 247,094 Balance sheet total 2025: € 247,094 ▲ 63% vs 2024 (€ 152,020) Unchanged	▲ 63%
Employees (FTE)	3.5 Employees (FTE) 2022: 3.5 First fiscal year in the series	3.6 Employees (FTE) 2023: 3.6 ▲ 0.1 vs 2022 (3.5) Unchanged	3.1 Employees (FTE) 2024: 3.1 ▼ 0.5 vs 2023 (3.6) Unchanged	2.7 Employees (FTE) 2025: 2.7 ▼ 0.4 vs 2024 (3.1) Unchanged	▼ 0.4

Key figures of TOURNAI 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 TOURNAI ASSURANCES?

What happened at TOURNAI ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2032 Sylvain Tesse stepped down as director. NBB
Jul 8, 2026 New annual accounts for financial year 2025: profit of € 106,433 (▲ € 82,202 vs 2024). Source: NBB ↗
2026 Sylvain Tesse became a director. NBB
Jan 10, 1990 New establishment in Tournai. KBO
Dec 26, 1989 Start of the company according to the CBE. KBO

In short

From € 901 loss in 2022 to € 106,433 profit in 2025.

Paid € 55,855 in corporate taxes since 2022.

Best year ever: 2025, with € 106,433 profit.

On average € 117,900 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

FINANCIERE DU BEFFROI 100%

The stake of FINANCIERE DU BEFFROI comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

TOURNAI ASSURANCES

The shares are held by FINANCIERE DU BEFFROI (100%).

Directors

According to the 2025 annual accounts

Sylvain Tesse

Director

Also active at: FINANCIERE DU BEFFROI

since 2026 · until 2032

Shareholders

FINANCIERE DU BEFFROI

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Quai Andreï Sakharov(TOU) 30

7500 Tournai

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 →

FRANCOIS DROULEZ ASSURANCES

€ 270,369 gross margin · 2025

FINANCIERE DU BEFFROI same network

€ 50,302 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0439.665.069

VAT number

BE 0439.665.069

Registered office

Quai Andreï Sakharov(TOU) 30, 7500 Tournai

Names & denominations

TOURNAI ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

26 December 1989

Peppol

Active · Active since 21 Oct 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

TOURNAI ASSURANCES

Warning lights

Financials

What happened to TOURNAI ASSURANCES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions