What does B.A.L. CONSEILS do?

B.A.L. CONSEILS is an insurance broker in Visé. Private Limited, started on 14 April 1997, 1 establishment.

What is the address of B.A.L. CONSEILS?

The registered office of B.A.L. CONSEILS is located at Rue Haute(VIS) 54, 4600 Visé.

Is B.A.L. CONSEILS still active?

Yes. According to the CBE (30 October 2026) B.A.L. CONSEILS is active, legal situation “Normale toestand”, started on 14 April 1997.

Is B.A.L. CONSEILS registered on Peppol?

No, B.A.L. CONSEILS is currently not registered on the Peppol network.

What is the enterprise number of B.A.L. CONSEILS?

The enterprise number of B.A.L. CONSEILS is BE0460468304.

When was B.A.L. CONSEILS founded?

B.A.L. CONSEILS was founded on 14 April 1997.

Who are the directors of B.A.L. CONSEILS?

According to the 2025 annual accounts, the directors of B.A.L. CONSEILS are: JL INVEST, Patrick BURNAY.

Is B.A.L. CONSEILS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 14 April 1997; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did B.A.L. CONSEILS make in 2025?

B.A.L. CONSEILS posted a profit after taxes of € 141,573 in financial year 2025.

What is the revenue of B.A.L. CONSEILS?

As a small company, B.A.L. CONSEILS is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 355,775.

How much does an employee at B.A.L. CONSEILS earn?

The average wage cost per full-time employee at B.A.L. CONSEILS was € 46,500 in 2025: staff costs of € 153,318 for 3.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does B.A.L. CONSEILS have?

According to the 2025 annual accounts, B.A.L. CONSEILS has 3.3 full-time equivalents (FTE).

B.A.L. CONSEILS (Private Limited) - Visé - BE0460468304

Dossier B.A.L. CONSEILS, printed on 30 October 2026 from databakkes.be/en/0460468304/b-a-l-conseils. 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 37 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

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

Financials

Financial year 2025

B.A.L. CONSEILS from Visé, company number BE0460468304, closed financial year 2025 with a result of € 141,573 after tax. For that financial year B.A.L. CONSEILS recorded a gross margin of € 355,775 and equity of € 110,434. Compared with financial year 2024, the result moved from € 148,023 to € 141,573. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.

What it is worth Healthy

€ 110,434

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

Profit Healthy

€ 141,573

▼ 4% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 23,200

▼ 87% vs 2024

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

Where the profit goes Pays out

€ 141,573 paid out

100 % of the profit went to the shareholders, mostly to J-L INVEST (70 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

3.3

▼ 0.3 vs 2024

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

Wage cost

€ 153,318

▲ 4% vs 2024

€ 46,500 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.

Vehicles and equipment

€ 8,075

▼ 24% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

€ 2,605

▼ 93% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 25,020

▲ 32% vs 2024

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

Taxes and wages

€ 57,049

▲ 7% 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	€ 381,478 Gross margin 2022: € 381,478 First fiscal year in the series	€ 365,664 Gross margin 2023: € 365,664 ▼ 4% vs 2022 (€ 381,478) Unfavourable step	€ 384,893 Gross margin 2024: € 384,893 ▲ 5% vs 2023 (€ 365,664) Favourable step	€ 355,775 Gross margin 2025: € 355,775 ▼ 8% vs 2024 (€ 384,893) Unfavourable step	▼ 8%
Profit after taxes	€ 79,340 Profit after taxes 2022: € 79,340 First fiscal year in the series	€ 71,526 Profit after taxes 2023: € 71,526 ▼ 10% vs 2022 (€ 79,340) Unfavourable step	€ 148,023 Profit after taxes 2024: € 148,023 ▲ 107% vs 2023 (€ 71,526) Favourable step	€ 141,573 Profit after taxes 2025: € 141,573 ▼ 4% vs 2024 (€ 148,023) Unfavourable step	▼ 4%
Equity	€ 110,411 Equity 2022: € 110,411 First fiscal year in the series	€ 110,411 Equity 2023: € 110,411 Unchanged (€ 110,411) Unchanged	€ 110,434 Equity 2024: € 110,434 Unchanged (€ 110,411) Favourable step	€ 110,434 Equity 2025: € 110,434 Unchanged (€ 110,434) Unchanged
Total debts	€ 311,242 Total debts 2022: € 311,242 First fiscal year in the series	€ 199,486 Total debts 2023: € 199,486 ▼ 36% vs 2022 (€ 311,242) Favourable step	€ 260,887 Total debts 2024: € 260,887 ▲ 31% vs 2023 (€ 199,486) Unfavourable step	€ 228,066 Total debts 2025: € 228,066 ▼ 13% vs 2024 (€ 260,887) Favourable step	▼ 13%
Cash	€ 192,981 Cash 2022: € 192,981 First fiscal year in the series	€ 41,797 Cash 2023: € 41,797 ▼ 78% vs 2022 (€ 192,981) Unfavourable step	€ 173,554 Cash 2024: € 173,554 ▲ € 131,757 vs 2023 (€ 41,797) Favourable step	€ 23,200 Cash 2025: € 23,200 ▼ 87% vs 2024 (€ 173,554) Unfavourable step	▼ 87%
Retained profit	€ 85,619 Retained profit 2022: € 85,619 First fiscal year in the series	€ 85,619 Retained profit 2023: € 85,619 Unchanged (€ 85,619) Unchanged	€ 85,642 Retained profit 2024: € 85,642 Unchanged (€ 85,619) Favourable step	€ 85,642 Retained profit 2025: € 85,642 Unchanged (€ 85,642) Unchanged
Dividend	€ 137,099 Dividend 2022: € 137,099 First fiscal year in the series	€ 71,526 Dividend 2023: € 71,526 ▼ 48% vs 2022 (€ 137,099) Unchanged	€ 148,000 Dividend 2024: € 148,000 ▲ 107% vs 2023 (€ 71,526) Unchanged	€ 141,573 Dividend 2025: € 141,573 ▼ 4% vs 2024 (€ 148,000) Unchanged	▼ 4%
Bank debt	€ 120,936 Bank debt 2022: € 120,936 First fiscal year in the series	€ 76,188 Bank debt 2023: € 76,188 ▼ 37% vs 2022 (€ 120,936) Favourable step	€ 38,001 Bank debt 2024: € 38,001 ▼ 50% vs 2023 (€ 76,188) Favourable step	€ 2,605 Bank debt 2025: € 2,605 ▼ 93% vs 2024 (€ 38,001) Favourable step	▼ 93%
Balance sheet total	€ 421,653 Balance sheet total 2022: € 421,653 First fiscal year in the series	€ 309,897 Balance sheet total 2023: € 309,897 ▼ 27% vs 2022 (€ 421,653) Unchanged	€ 371,321 Balance sheet total 2024: € 371,321 ▲ 20% vs 2023 (€ 309,897) Unchanged	€ 338,500 Balance sheet total 2025: € 338,500 ▼ 9% vs 2024 (€ 371,321) Unchanged	▼ 9%
Employees (FTE)	3.3 Employees (FTE) 2022: 3.3 First fiscal year in the series	3.3 Employees (FTE) 2023: 3.3 Unchanged (3.3) Unchanged	3.6 Employees (FTE) 2024: 3.6 ▲ 0.3 vs 2023 (3.3) Unchanged	3.3 Employees (FTE) 2025: 3.3 ▼ 0.3 vs 2024 (3.6) Unchanged	▼ 0.3

Key figures of B.A.L. CONSEILS, 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 B.A.L. CONSEILS?

What happened at B.A.L. CONSEILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 3, 2026 New annual accounts for financial year 2025: profit of € 141,573 (▼ 4% vs 2024). Source: NBB ↗
2019 Patrick BURNAY became a director. NBB
2011 JL INVEST became a director. NBB
Jun 30, 1997 New establishment in Visé. KBO
Apr 14, 1997 Start of the company according to the CBE. KBO

In short

From € 79,340 profit in 2022 to € 141,573 profit in 2025.

Paid € 163,233 in corporate taxes since 2022.

Best year ever: 2024, with € 148,023 profit.

On average € 107,800 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

J-L INVEST 69.6%

The stake of J-L INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

B.A.L. CONSEILS

Behind B.A.L. CONSEILS are JL INVEST and Patrick BURNAY. The shares are held by J-L INVEST (69.6%).

Directors

According to the 2025 annual accounts

JL INVEST

Director · represented by JEAN-LUC LOTTIN

since 2011

Patrick BURNAY

Director

since 2019

Shareholders

J-L INVEST

69.6%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Haute(VIS) 54

4600 Visé

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

Details

Company number: 0460.468.304
VAT number: BE 0460.468.304
Registered office: Rue Haute(VIS) 54, 4600 Visé
Names & denominations: B.A.L. CONSEILS
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 14 April 1997
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗