What does ASSURANCES SERVICES ET CREDITS do?

ASSURANCES SERVICES ET CREDITS is an insurance broker in La Louvière. Public Limited, started on 20 February 1991, 1 establishment.

What is the address of ASSURANCES SERVICES ET CREDITS?

The registered office of ASSURANCES SERVICES ET CREDITS is located at Chaussée de Mons(S-V) 171, 7100 La Louvière.

Is ASSURANCES SERVICES ET CREDITS still active?

Yes. According to the CBE (16 September 2026) ASSURANCES SERVICES ET CREDITS is active, legal situation “Normale toestand”, started on 20 February 1991.

Is ASSURANCES SERVICES ET CREDITS registered on Peppol?

No, ASSURANCES SERVICES ET CREDITS is currently not registered on the Peppol network.

What is the enterprise number of ASSURANCES SERVICES ET CREDITS?

The enterprise number of ASSURANCES SERVICES ET CREDITS is BE0443484295.

When was ASSURANCES SERVICES ET CREDITS founded?

ASSURANCES SERVICES ET CREDITS was founded on 20 February 1991.

Who are the directors of ASSURANCES SERVICES ET CREDITS?

According to the 2025 annual accounts, the directors of ASSURANCES SERVICES ET CREDITS are: Angela RIZZO, Antonio CUSUMANO, Sonia CUSUMANO.

Is ASSURANCES SERVICES ET CREDITS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 20 February 1991; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did ASSURANCES SERVICES ET CREDITS make in 2025?

ASSURANCES SERVICES ET CREDITS posted a profit after taxes of € 66,729 in financial year 2025.

What is the revenue of ASSURANCES SERVICES ET CREDITS?

In its most recent annual accounts (2025), ASSURANCES SERVICES ET CREDITS reported revenue of € 438,496.

How much does an employee at ASSURANCES SERVICES ET CREDITS earn?

The average wage cost per full-time employee at ASSURANCES SERVICES ET CREDITS was € 53,100 in 2025: staff costs of € 137,976 for 2.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does ASSURANCES SERVICES ET CREDITS have?

According to the 2025 annual accounts, ASSURANCES SERVICES ET CREDITS has 2.6 full-time equivalents (FTE).

ASSURANCES SERVICES ET CREDITS (Public Limited)

Dossier ASSURANCES SERVICES ET CREDITS, printed on 16 September 2026 from databakkes.be/en/0443484295/assurances-services-et-credits. 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.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

ASSURANCES SERVICES ET CREDITS from La Louvière, company number BE0443484295, closed financial year 2025 with a result of € 66,729 after tax. For that financial year ASSURANCES SERVICES ET CREDITS recorded revenue of € 438,496 and equity of € 686,051. Compared with financial year 2024, the result moved from € 36,170 to € 66,729. 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 August 31, 2026.

What it is worth Growing

€ 686,051

▲ 1% vs 2024

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

Profit Growing

€ 66,729

▲ 84% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 9,071

▼ 88% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 624,078.

People and assets in 2025

Full-time equivalents

2.6

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

Wage cost

€ 137,976

▲ 6% vs 2024

€ 53,100 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

€ 65,748

▲ 61% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 8 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 360,096

▲ 2% vs 2024

€ 42,543 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.

Owed to suppliers

€ 23,556

▲ 20% vs 2024

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

Taxes and wages

€ 22,897

▲ 16% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	€ 568,477 Revenue 2022: € 568,477 First fiscal year in the series	€ 504,789 Revenue 2023: € 504,789 ▼ 11% vs 2022 (€ 568,477) Unfavourable step	€ 741,847 Revenue 2024: € 741,847 ▲ 47% vs 2023 (€ 504,789) Favourable step	€ 438,496 Revenue 2025: € 438,496 ▼ 41% vs 2024 (€ 741,847) Unfavourable step	▼ 41%
Gross margin	€ 320,098 Gross margin 2022: € 320,098 First fiscal year in the series	€ 255,781 Gross margin 2023: € 255,781 ▼ 20% vs 2022 (€ 320,098) Unfavourable step	€ 511,650 Gross margin 2024: € 511,650 ▲ 100% vs 2023 (€ 255,781) Favourable step	€ 231,849 Gross margin 2025: € 231,849 ▼ 55% vs 2024 (€ 511,650) Unfavourable step	▼ 55%
Profit after taxes	€ 87,918 Profit after taxes 2022: € 87,918 First fiscal year in the series	€ -25,298 Profit after taxes 2023: € -25,298 ▼ € 113,216 vs 2022 (€ 87,918) Unfavourable step	€ 36,170 Profit after taxes 2024: € 36,170 ▲ € 61,468 vs 2023 (€ -25,298) Favourable step	€ 66,729 Profit after taxes 2025: € 66,729 ▲ 84% vs 2024 (€ 36,170) Favourable step	▲ 84%
Equity	€ 352,250 Equity 2022: € 352,250 First fiscal year in the series	€ 374,868 Equity 2023: € 374,868 ▲ 6% vs 2022 (€ 352,250) Favourable step	€ 676,201 Equity 2024: € 676,201 ▲ 80% vs 2023 (€ 374,868) Favourable step	€ 686,051 Equity 2025: € 686,051 ▲ 1% vs 2024 (€ 676,201) Favourable step	▲ 1%
Total debts	€ 533,965 Total debts 2022: € 533,965 First fiscal year in the series	€ 512,077 Total debts 2023: € 512,077 ▼ 4% vs 2022 (€ 533,965) Favourable step	€ 399,659 Total debts 2024: € 399,659 ▼ 22% vs 2023 (€ 512,077) Favourable step	€ 415,211 Total debts 2025: € 415,211 ▲ 4% vs 2024 (€ 399,659) Unfavourable step	▲ 4%
Cash	€ 19,004 Cash 2022: € 19,004 First fiscal year in the series	€ 2,195 Cash 2023: € 2,195 ▼ 88% vs 2022 (€ 19,004) Unfavourable step	€ 74,821 Cash 2024: € 74,821 ▲ € 72,627 vs 2023 (€ 2,195) Favourable step	€ 9,071 Cash 2025: € 9,071 ▼ 88% vs 2024 (€ 74,821) Unfavourable step	▼ 88%
Land & buildings	€ 634,761 Land & buildings 2022: € 634,761 First fiscal year in the series	€ 650,480 Land & buildings 2023: € 650,480 ▲ 2% vs 2022 (€ 634,761) Unchanged	€ 590,014 Land & buildings 2024: € 590,014 ▼ 9% vs 2023 (€ 650,480) Unchanged	€ 558,342 Land & buildings 2025: € 558,342 ▼ 5% vs 2024 (€ 590,014) Unchanged	▼ 5%
Retained profit	€ 290,277 Retained profit 2022: € 290,277 First fiscal year in the series	€ 312,894 Retained profit 2023: € 312,894 ▲ 8% vs 2022 (€ 290,277) Favourable step	€ 614,228 Retained profit 2024: € 614,228 ▲ 96% vs 2023 (€ 312,894) Favourable step	€ 624,078 Retained profit 2025: € 624,078 ▲ 2% vs 2024 (€ 614,228) Favourable step	▲ 2%
Bank debt	€ 448,154 Bank debt 2022: € 448,154 First fiscal year in the series	€ 413,062 Bank debt 2023: € 413,062 ▼ 8% vs 2022 (€ 448,154) Favourable step	€ 353,273 Bank debt 2024: € 353,273 ▼ 14% vs 2023 (€ 413,062) Favourable step	€ 360,096 Bank debt 2025: € 360,096 ▲ 2% vs 2024 (€ 353,273) Unfavourable step	▲ 2%
Balance sheet total	€ 886,215 Balance sheet total 2022: € 886,215 First fiscal year in the series	€ 886,945 Balance sheet total 2023: € 886,945 Unchanged (€ 886,215) Unchanged	€ 1,075,860 Balance sheet total 2024: € 1,075,860 ▲ 21% vs 2023 (€ 886,945) Unchanged	€ 1,101,262 Balance sheet total 2025: € 1,101,262 ▲ 2% vs 2024 (€ 1,075,860) Unchanged	▲ 2%
Employees (FTE)	4.8 Employees (FTE) 2022: 4.8 First fiscal year in the series	-	-	2.6 Employees (FTE) 2025: 2.6 First fiscal year in the series

Key figures of ASSURANCES SERVICES ET CREDITS, 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 ASSURANCES SERVICES ET CREDITS?

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

Aug 31, 2026 New annual accounts for financial year 2025: profit of € 66,729 (▲ 84% vs 2024). filed late Source: NBB ↗
2014 Angela RIZZO became a director. NBB
Nov 27, 2002 New establishment in La Louvière. KBO
Feb 20, 1991 Start of the company according to the CBE. KBO

In short

From € 87,918 profit in 2022 to € 66,729 profit in 2025.

Paid € 4,485 in corporate taxes since 2022.

Best year ever: 2022, with € 87,918 profit.

On average € 89,200 of value added per employee in 2025.

Original PDFs at the National Bank ↗

A new publication or filing at ASSURANCES SERVICES ET CREDITS? We notify you, reason included.

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My folder 3 companies

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%

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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

Real filings at the National Bank

Management

Angela RIZZO Antonio CUSUMANO Sonia CUSUMANO

ASSURANCES SERVICES ET CREDITS

Behind ASSURANCES SERVICES ET CREDITS are Angela RIZZO, Antonio CUSUMANO and Sonia CUSUMANO.

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Directors

According to the 2025 annual accounts

Angela RIZZO

Director

since 2014

Antonio CUSUMANO

Director

Sonia CUSUMANO

Managing director

Establishments

Establishment units

Physical locations of this company

Registered office

Chaussée de Mons(S-V) 171

7100 La Louvière

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

Details

Company number

0443.484.295

VAT number

BE 0443.484.295

Registered office

Chaussée de Mons(S-V) 171, 7100 La Louvière

Names & denominations

ASSURANCES SERVICES ET CREDITS · A.S.C.

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

20 February 1991

Peppol

Not registered

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗