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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Negative equity NBB
More debt than assets in 2 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 34 % 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
GESTION ASSURANCES MULTIPLES from Sint-Pieters-Woluwe, company number BE0441038313, closed financial year 2025 with a result of € 3,077 after tax. For that financial year GESTION ASSURANCES MULTIPLES recorded a gross margin of € 77,862 and equity of € -16,132. Compared with financial year 2024, the result moved from € -59,545 to € 3,077. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ -16,132
▲ € 3,077 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,077
▲ still € 59,545 loss in 2024
Profit after tax over the fiscal year.
€ 1,624
▼ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -78,132.
People and assets in 2025
€ 65,355
▼ 5% 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.
€ 1,755
▼ 17% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 13,215
▼ 33% vs 2024
Loans from banks and other lenders, long and short.
€ 983
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,755
▼ 37% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 89,868 | € 46,889 | € 16,387 | € 77,862 | ▲ € 61,475 |
| Profit after taxes | € 16,279 | € -188,963 | € -59,545 | € 3,077 | ▲ € 62,621 |
| Equity | € 229,300 | € 40,337 | € -19,208 | € -16,132 | ▲ € 3,077 |
| Total debts | € 26,248 | € 20,829 | € 66,636 | € 48,953 | ▼ 27% |
| Cash | € 72,731 | € 1,624 | € 1,638 | € 1,624 | ▼ 1% |
| Retained profit | € 167,300 | € -21,663 | € -81,208 | € -78,132 | ▲ € 3,077 |
| Dividend | € 8,060 | € 0 | € 0 | € 0 | |
| Bank debt | € 4,192 | € 10,060 | € 19,828 | € 13,215 | ▼ 33% |
| Balance sheet total | € 255,548 | € 61,166 | € 47,428 | € 32,821 | ▼ 31% |
| Employees (FTE) | 1 | - | - | - |
Key figures of GESTION ASSURANCES MULTIPLES, 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 GESTION ASSURANCES MULTIPLES?
What happened at GESTION ASSURANCES MULTIPLES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 3,077. Source: NBB ↗
- FIX CONSULT SRL became a director. NBB
- New establishment in Sint-Pieters-Woluwe. KBO
- Start of the company according to the CBE. KBO
In short
From € 16,279 profit in 2022 to € 3,077 profit in 2025.
Paid € 4,043 in corporate taxes since 2022.
Best year ever: 2022, with € 16,279 profit.
On average € 89,900 of value added per employee in 2022.
A new publication or filing at GESTION ASSURANCES MULTIPLES? 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 FIX CONSULT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
GESTION ASSURANCES MULTIPLESBehind GESTION ASSURANCES MULTIPLES is FIX CONSULT SRL. The shares are held by FIX CONSULT (100%).
Directors
According to the 2025 annual accounts
Managing director · represented by François Xavier Duchesne
since 2023
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Blockmansstraat 16
1150 Sint-Pieters-Woluwe
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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
DNS
OVH DNS
Website info
Features
Security
Network
Details
- Company number
- 0441.038.313
- VAT number
- BE 0441.038.313
- Registered office
- Blockmansstraat 16, 1150 Sint-Pieters-Woluwe
- Names & denominations
- GESTION ASSURANCES MULTIPLES · G.A.M.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 June 1990
- Peppol
- Not registered
- Contact
- gamassurances.be