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.
€ 131,967
▲ 25% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 106,433
▲ € 82,202 vs 2024
Profit after tax over the fiscal year.
€ 43,386
▲ € 41,948 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 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
2.7
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 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.
€ 5,381
▲ € 4,316 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.
€ 2,009
▼ 59% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 33,117
▼ 20% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 201,340 | € 202,761 | € 198,529 | € 318,331 | ▲ 60% |
| Profit after taxes | € -901 | € 5,954 | € 24,231 | € 106,433 | ▲ € 82,202 |
| Equity | € 75,350 | € 81,304 | € 105,534 | € 131,967 | ▲ 25% |
| Total debts | € 54,043 | € 56,121 | € 46,485 | € 115,127 | ▲ 148% |
| Cash | € 7,060 | € 9,697 | € 1,438 | € 43,386 | ▲ € 41,948 |
| Retained profit | € 12,218 | € 18,172 | € 42,402 | € 68,835 | ▲ 62% |
| Dividend | € 0 | € 0 | € 0 | € 80,000 | |
| Bank debt | € 91 | € 0 | € 9 | € 0 | ▼ 100% |
| Balance sheet total | € 129,393 | € 137,424 | € 152,020 | € 247,094 | ▲ 63% |
| Employees (FTE) | 3.5 | 3.6 | 3.1 | 2.7 | ▼ 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:
- Sylvain Tesse stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 106,433 (▲ € 82,202 vs 2024). Source: NBB ↗
- Sylvain Tesse became a director. NBB
- New establishment in Tournai. KBO
- 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.
A new publication or filing at TOURNAI ASSURANCES? 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 FINANCIERE DU BEFFROI comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
TOURNAI ASSURANCESThe shares are held by FINANCIERE DU BEFFROI (100%).
Directors
According to the 2025 annual accounts
since 2026 · until 2032
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
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 →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 27 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten