Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 59 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Puissant & Co Insurance from Ciney, company number BE0441426115, closed financial year 2025 with a result of € 198,622 after tax. For that financial year Puissant & Co Insurance recorded a gross margin of € 806,651 and equity of € 620,659. Compared with financial year 2024, the result moved from € 224,828 to € 198,622. 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 August 17, 2026.
€ 620,659
▲ 47% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 198,622
▼ 12% vs 2024
Profit after tax over the fiscal year.
€ 9,775
▼ 95% 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 € 614,453.
People and assets in 2025
4.7
Average over the fiscal year, from the social balance sheet.
€ 359,720
▲ 10% vs 2024
€ 76,500 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.
€ 14,640
▲ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 748,966
▲ € 632,253 vs 2024
€ 80,844 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 5,044
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 66,666
▲ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 535,354 | € 618,400 | € 674,828 | € 806,651 | ▲ 20% |
| Profit after taxes | € 143,627 | € 200,526 | € 224,828 | € 198,622 | ▼ 12% |
| Equity | € 266,683 | € 367,209 | € 422,036 | € 620,659 | ▲ 47% |
| Total debts | € 252,666 | € 209,079 | € 355,289 | € 826,860 | ▲ 133% |
| Cash | € 12,241 | € 149,536 | € 180,180 | € 9,775 | ▼ 95% |
| Land & buildings | - | - | € 94,232 | € 863,465 | ▲ € 769,232 |
| Retained profit | € 260,478 | € 361,003 | € 415,831 | € 614,453 | ▲ 48% |
| Dividend | € 200,000 | € 100,000 | € 170,000 | € 0 | ▼ 100% |
| Bank debt | € 74,495 | € 28,024 | € 116,713 | € 748,966 | ▲ € 632,253 |
| Balance sheet total | € 519,349 | € 576,288 | € 777,326 | € 1,447,518 | ▲ 86% |
| Employees (FTE) | 4.7 | 4.7 | 4.7 | 4.7 |
Key figures of Puissant & Co Insurance, 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 Puissant & Co Insurance?
What happened at Puissant & Co Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- SmartConnectivity SRL stepped down as director. NBB
- HICHAUX ADVISORY SRL stepped down as director. NBB
- Sand Insure SRL stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 198,622 (▼ 12% vs 2024). filed late Source: NBB ↗
- SmartConnectivity SRL became a director. NBB
- HICHAUX ADVISORY SRL became a director. NBB
- Sand Insure SRL became a director. NBB
- New establishment in Ciney. KBO
In short
From € 143,627 profit in 2022 to € 198,622 profit in 2025.
Paid € 276,934 in corporate taxes since 2022.
Best year ever: 2024, with € 224,828 profit.
On average € 171,600 of value added per employee in 2025.
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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 Puissant & Co comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Puissant & Co InsuranceThe shares are held by Puissant & Co (100%).
Directors
According to the 2025 annual accounts
since 2022 · until 2028
since 2022 · until 2028
since 2022 · until 2028
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Centre 32/34
5590 Ciney
Rue du Centre 32
5590 Ciney
Active since 17 July 1990
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
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Hosting
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DNS
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Website info
Features
Security
Network
Details
- Company number
- 0441.426.115
- VAT number
- BE 0441.426.115
- Registered office
- Rue du Centre 32/34, 5590 Ciney
- Names & denominations
- Puissant & Co Insurance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 July 1990
- Peppol
- Active · Active since 29 Sept 2025
- Activities · NACE
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