What does CLM ASSURANCES do?

CLM ASSURANCES is an insurance broker in Chièvres. Private Limited, started on 31 October 1991, 1 establishment.

What is the address of CLM ASSURANCES?

The registered office of CLM ASSURANCES is located at Grand'Place 8, 7950 Chièvres.

Is CLM ASSURANCES still active?

Yes. According to the CBE (29 October 2026) CLM ASSURANCES is active, legal situation “Normale toestand”, started on 31 October 1991.

Is CLM ASSURANCES registered on Peppol?

Yes, CLM ASSURANCES is registered on the Peppol network with ID 0208:0445640863.

What is the enterprise number of CLM ASSURANCES?

The enterprise number of CLM ASSURANCES is BE0445640863.

When was CLM ASSURANCES founded?

CLM ASSURANCES was founded on 31 October 1991.

Who are the directors of CLM ASSURANCES?

According to the 2025 annual accounts, the directors of CLM ASSURANCES are: Vincent LANNOIJE, Harry GILBERT.

Is CLM ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 31 October 1991; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did CLM ASSURANCES make in 2025?

CLM ASSURANCES posted a profit after taxes of € 23,441 in financial year 2025.

What is the revenue of CLM ASSURANCES?

As a small company, CLM ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 263,958.

CLM ASSURANCES (Private Limited) - Chièvres

Dossier CLM ASSURANCES, printed on 29 October 2026 from databakkes.be/en/0445640863/clm-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.

Tight liquidity NBB

Cash and receivables cover 8 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

CLM ASSURANCES from Chièvres, company number BE0445640863, closed financial year 2025 with a result of € 23,441 after tax. For that financial year CLM ASSURANCES recorded a gross margin of € 263,958 and equity of € 807,194. Compared with financial year 2024, the result moved from € 56,128 to € 23,441. 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 May 31, 2026.

What it is worth Growing

€ 807,194

▲ 3% vs 2024

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

Profit Healthy

€ 23,441

▼ 58% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 25,517

▼ 29% 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 € 788,577.

People and assets in 2025

Wage cost

€ 111,281

▲ 172% 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.

Vehicles and equipment

€ 23,596

▲ € 20,610 vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 24 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.

€ 425,178

▼ 7% vs 2024

€ 16,964 is repaid this year. At this pace the long-term loan is gone in ≈ 24 years.

Owed to suppliers

€ 25,915

▲ 131% vs 2024

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

Taxes and wages

€ 14,186

▼ 26% 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	€ 122,886 Gross margin 2022: € 122,886 First fiscal year in the series	€ 49,028 Gross margin 2023: € 49,028 ▼ 60% vs 2022 (€ 122,886) Unfavourable step	€ 182,847 Gross margin 2024: € 182,847 ▲ 273% vs 2023 (€ 49,028) Favourable step	€ 263,958 Gross margin 2025: € 263,958 ▲ 44% vs 2024 (€ 182,847) Favourable step	▲ 44%
Profit after taxes	€ 122,204 Profit after taxes 2022: € 122,204 First fiscal year in the series	€ 69,221 Profit after taxes 2023: € 69,221 ▼ 43% vs 2022 (€ 122,204) Unfavourable step	€ 56,128 Profit after taxes 2024: € 56,128 ▼ 19% vs 2023 (€ 69,221) Unfavourable step	€ 23,441 Profit after taxes 2025: € 23,441 ▼ 58% vs 2024 (€ 56,128) Unfavourable step	▼ 58%
Equity	€ 521,671 Equity 2022: € 521,671 First fiscal year in the series	€ 590,892 Equity 2023: € 590,892 ▲ 13% vs 2022 (€ 521,671) Favourable step	€ 783,753 Equity 2024: € 783,753 ▲ 33% vs 2023 (€ 590,892) Favourable step	€ 807,194 Equity 2025: € 807,194 ▲ 3% vs 2024 (€ 783,753) Favourable step	▲ 3%
Total debts	€ 1,320,208 Total debts 2022: € 1,320,208 First fiscal year in the series	€ 1,295,141 Total debts 2023: € 1,295,141 ▼ 2% vs 2022 (€ 1,320,208) Favourable step	€ 1,243,601 Total debts 2024: € 1,243,601 ▼ 4% vs 2023 (€ 1,295,141) Favourable step	€ 1,112,818 Total debts 2025: € 1,112,818 ▼ 11% vs 2024 (€ 1,243,601) Favourable step	▼ 11%
Cash	€ 9,826 Cash 2022: € 9,826 First fiscal year in the series	€ 11,928 Cash 2023: € 11,928 ▲ 21% vs 2022 (€ 9,826) Favourable step	€ 36,122 Cash 2024: € 36,122 ▲ 203% vs 2023 (€ 11,928) Favourable step	€ 25,517 Cash 2025: € 25,517 ▼ 29% vs 2024 (€ 36,122) Unfavourable step	▼ 29%
Retained profit	€ 503,079 Retained profit 2022: € 503,079 First fiscal year in the series	€ 572,300 Retained profit 2023: € 572,300 ▲ 14% vs 2022 (€ 503,079) Favourable step	€ 765,136 Retained profit 2024: € 765,136 ▲ 34% vs 2023 (€ 572,300) Favourable step	€ 788,577 Retained profit 2025: € 788,577 ▲ 3% vs 2024 (€ 765,136) Favourable step	▲ 3%
Bank debt	€ 1,272,848 Bank debt 2022: € 1,272,848 First fiscal year in the series	€ 625,456 Bank debt 2023: € 625,456 ▼ 51% vs 2022 (€ 1,272,848) Favourable step	€ 456,939 Bank debt 2024: € 456,939 ▼ 27% vs 2023 (€ 625,456) Favourable step	€ 425,178 Bank debt 2025: € 425,178 ▼ 7% vs 2024 (€ 456,939) Favourable step	▼ 7%
Balance sheet total	€ 1,841,878 Balance sheet total 2022: € 1,841,878 First fiscal year in the series	€ 1,886,033 Balance sheet total 2023: € 1,886,033 ▲ 2% vs 2022 (€ 1,841,878) Unchanged	€ 2,065,854 Balance sheet total 2024: € 2,065,854 ▲ 10% vs 2023 (€ 1,886,033) Unchanged	€ 1,958,512 Balance sheet total 2025: € 1,958,512 ▼ 5% vs 2024 (€ 2,065,854) Unchanged	▼ 5%

Key figures of CLM 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 30 January 2027.

What happened to CLM ASSURANCES?

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

May 31, 2026 New annual accounts for financial year 2025: profit of € 23,441 (▼ 58% vs 2024). filed late Source: NBB ↗
2025 Harry GILBERT became a director. NBB
2015 Vincent LANNOIJE became a director. NBB
Feb 14, 2011 New establishment in Chièvres. KBO
Oct 31, 1991 Start of the company according to the CBE. KBO

In short

From € 122,204 profit in 2022 to € 23,441 profit in 2025.

Paid € 110,525 in corporate taxes since 2022.

Best year ever: 2022, with € 122,204 profit.

Original PDFs at the National Bank ↗

Management

Vincent LANNOIJE

Harry GILBERT

CLM ASSURANCES

CLM IMMO 100%

CB ASSUR-FINANCES 89.6%

Behind CLM ASSURANCES are Vincent LANNOIJE and Harry GILBERT. It owns 100% of CLM IMMO and 89.6% of CB ASSUR-FINANCES itself.

Directors

According to the 2025 annual accounts

Vincent LANNOIJE

Director

Also active at: CB ASSUR-FINANCES

since 2015

Harry GILBERT

Director

since 2025

Establishments

Establishment units

Physical locations of this company

Registered office

Grand'Place 8

7950 Chièvres

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 →

CLM IMMO same network

€ 21,197 gross margin · 2025

UTVA "UNITE GROUPE CLM"

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

Details

Company number

0445.640.863

VAT number

BE 0445.640.863

Registered office

Grand'Place 8, 7950 Chièvres

Names & denominations

CLM ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

31 October 1991

Peppol

Active · Active since 11 Feb 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Activiteiten van holdings

Holdings

View on CBE Public ↗ Annual accounts (NBB) ↗

CLM ASSURANCES

Warning lights

Financials

What happened to CLM ASSURANCES?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions