What does ARDENNE ET GAUME ASSURANCES do?

ARDENNE ET GAUME ASSURANCES is an insurance broker in Etalle. Private Limited, started on 5 May 1997, 1 establishment.

What is the address of ARDENNE ET GAUME ASSURANCES?

The registered office of ARDENNE ET GAUME ASSURANCES is located at Lenclos 74 A, 6740 Etalle.

Is ARDENNE ET GAUME ASSURANCES still active?

Yes. According to the CBE (29 October 2026) ARDENNE ET GAUME ASSURANCES is active, legal situation “Normale toestand”, started on 5 May 1997.

Is ARDENNE ET GAUME ASSURANCES registered on Peppol?

Yes, ARDENNE ET GAUME ASSURANCES is registered on the Peppol network with ID 0208:0460603906.

What is the enterprise number of ARDENNE ET GAUME ASSURANCES?

The enterprise number of ARDENNE ET GAUME ASSURANCES is BE0460603906.

When was ARDENNE ET GAUME ASSURANCES founded?

ARDENNE ET GAUME ASSURANCES was founded on 5 May 1997.

Who are the directors of ARDENNE ET GAUME ASSURANCES?

According to the 2025 annual accounts, the directors of ARDENNE ET GAUME ASSURANCES are: OREGAU INVEST SRL, JFK Finance SRL.

Is ARDENNE ET GAUME ASSURANCES a reliable company?

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

How much profit did ARDENNE ET GAUME ASSURANCES make in 2025?

ARDENNE ET GAUME ASSURANCES posted a profit after taxes of € 26,845 in financial year 2025.

What is the revenue of ARDENNE ET GAUME ASSURANCES?

As a small company, ARDENNE ET GAUME ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 574,044.

How much does an employee at ARDENNE ET GAUME ASSURANCES earn?

The average wage cost per full-time employee at ARDENNE ET GAUME ASSURANCES was € 76,600 in 2025: staff costs of € 482,819 for 6.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does ARDENNE ET GAUME ASSURANCES have?

According to the 2025 annual accounts, ARDENNE ET GAUME ASSURANCES has 6.3 full-time equivalents (FTE).

ARDENNE ET GAUME ASSURANCES (Private Limited) - Etalle

Dossier ARDENNE ET GAUME ASSURANCES, printed on 29 October 2026 from databakkes.be/en/0460603906/ardenne-et-gaume-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.

Figures corrected NBB

Corrected annual account filed for 2025.
Board fully replaced NBB

No director from three years ago is still active according to annual account 2025.

Financials

Financial year 2025

ARDENNE ET GAUME ASSURANCES from Etalle, company number BE0460603906, closed financial year 2025 with a result of € 26,845 after tax. For that financial year ARDENNE ET GAUME ASSURANCES recorded a gross margin of € 574,044 and equity of € 408,411. Compared with financial year 2024, the result moved from € 135,086 to € 26,845. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 8, 2026.

What it is worth Healthy

€ 408,411

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

Profit Healthy

€ 26,845

▼ 80% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 330,673

▲ 42% vs 2024

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

Where the profit goes Pays out

€ 11,049 paid out

41 % of the profit went to the shareholders, mostly to JK INVEST (50 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

6.3

▼ 1.4 vs 2024

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

Wage cost

€ 482,819

▲ 16% vs 2024

€ 76,600 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

€ 59,023

▲ 28% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 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.

€ 111,254

▲ 18% vs 2024

€ 53,979 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 39,719

▲ 134% vs 2024

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

Taxes and wages

€ 55,657

▼ 32% 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	€ 492,830 Gross margin 2022: € 492,830 First fiscal year in the series	€ 444,998 Gross margin 2023: € 444,998 ▼ 10% vs 2022 (€ 492,830) Unfavourable step	€ 599,280 Gross margin 2024: € 599,280 ▲ 35% vs 2023 (€ 444,998) Favourable step	€ 574,044 Gross margin 2025: € 574,044 ▼ 4% vs 2024 (€ 599,280) Unfavourable step	▼ 4%
Profit after taxes	€ 88,379 Profit after taxes 2022: € 88,379 First fiscal year in the series	€ 17,737 Profit after taxes 2023: € 17,737 ▼ 80% vs 2022 (€ 88,379) Unfavourable step	€ 135,086 Profit after taxes 2024: € 135,086 ▲ € 117,349 vs 2023 (€ 17,737) Favourable step	€ 26,845 Profit after taxes 2025: € 26,845 ▼ 80% vs 2024 (€ 135,086) Unfavourable step	▼ 80%
Equity	€ 408,159 Equity 2022: € 408,159 First fiscal year in the series	€ 408,159 Equity 2023: € 408,159 Unchanged (€ 408,159) Unchanged	€ 408,411 Equity 2024: € 408,411 Unchanged (€ 408,159) Favourable step	€ 408,411 Equity 2025: € 408,411 Unchanged (€ 408,411) Unchanged
Total debts	€ 323,622 Total debts 2022: € 323,622 First fiscal year in the series	€ 224,749 Total debts 2023: € 224,749 ▼ 31% vs 2022 (€ 323,622) Favourable step	€ 329,381 Total debts 2024: € 329,381 ▲ 47% vs 2023 (€ 224,749) Unfavourable step	€ 233,475 Total debts 2025: € 233,475 ▼ 29% vs 2024 (€ 329,381) Favourable step	▼ 29%
Cash	€ 534,930 Cash 2022: € 534,930 First fiscal year in the series	€ 386,464 Cash 2023: € 386,464 ▼ 28% vs 2022 (€ 534,930) Unfavourable step	€ 233,474 Cash 2024: € 233,474 ▼ 40% vs 2023 (€ 386,464) Unfavourable step	€ 330,673 Cash 2025: € 330,673 ▲ 42% vs 2024 (€ 233,474) Favourable step	▲ 42%
Land & buildings	€ 80,608 Land & buildings 2022: € 80,608 First fiscal year in the series	€ 68,458 Land & buildings 2023: € 68,458 ▼ 15% vs 2022 (€ 80,608) Unchanged	€ 56,308 Land & buildings 2024: € 56,308 ▼ 18% vs 2023 (€ 68,458) Unchanged	€ 32,641 Land & buildings 2025: € 32,641 ▼ 42% vs 2024 (€ 56,308) Unchanged	▼ 42%
Retained profit	€ 401,961 Retained profit 2022: € 401,961 First fiscal year in the series	€ 401,961 Retained profit 2023: € 401,961 Unchanged (€ 401,961) Unchanged	€ 402,214 Retained profit 2024: € 402,214 Unchanged (€ 401,961) Favourable step	€ 402,214 Retained profit 2025: € 402,214 Unchanged (€ 402,214) Unchanged
Dividend	€ 50,000 Dividend 2022: € 50,000 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 50,000) Unchanged	€ 120,000 Dividend 2024: € 120,000 Unchanged (€ 0) Unchanged	€ 11,049 Dividend 2025: € 11,049 ▼ 91% vs 2024 (€ 120,000) Unchanged	▼ 91%
Bank debt	€ 116,936 Bank debt 2022: € 116,936 First fiscal year in the series	€ 133,746 Bank debt 2023: € 133,746 ▲ 14% vs 2022 (€ 116,936) Unfavourable step	€ 94,671 Bank debt 2024: € 94,671 ▼ 29% vs 2023 (€ 133,746) Favourable step	€ 111,254 Bank debt 2025: € 111,254 ▲ 18% vs 2024 (€ 94,671) Unfavourable step	▲ 18%
Balance sheet total	€ 731,780 Balance sheet total 2022: € 731,780 First fiscal year in the series	€ 632,908 Balance sheet total 2023: € 632,908 ▼ 14% vs 2022 (€ 731,780) Unchanged	€ 737,792 Balance sheet total 2024: € 737,792 ▲ 17% vs 2023 (€ 632,908) Unchanged	€ 641,887 Balance sheet total 2025: € 641,887 ▼ 13% vs 2024 (€ 737,792) Unchanged	▼ 13%
Employees (FTE)	5.6 Employees (FTE) 2022: 5.6 First fiscal year in the series	6.8 Employees (FTE) 2023: 6.8 ▲ 1.2 vs 2022 (5.6) Unchanged	7.7 Employees (FTE) 2024: 7.7 ▲ 0.9 vs 2023 (6.8) Unchanged	6.3 Employees (FTE) 2025: 6.3 ▼ 1.4 vs 2024 (7.7) Unchanged	▼ 1.4

Key figures of ARDENNE ET GAUME 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 31 July 2027.

What happened to ARDENNE ET GAUME ASSURANCES?

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

Oct 8, 2026 Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
2025 OREGAU INVEST SRL became a director. NBB
2025 JFK Finance SRL stepped down as director. NBB
2021 JFK Finance SRL became a director. NBB
Sep 17, 1997 New establishment in Etalle. KBO
May 5, 1997 Start of the company according to the CBE. KBO

In short

From € 88,379 profit in 2022 to € 26,845 profit in 2025.

Paid € 56,054 in corporate taxes since 2022.

Best year ever: 2024, with € 135,086 profit.

On average € 91,100 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

JK INVEST 50.1%

JFK FINANCE 49.9%

The stake of JK INVEST, JFK FINANCE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

ARDENNE ET GAUME ASSURANCES

Behind ARDENNE ET GAUME ASSURANCES is OREGAU INVEST SRL. The shares are held by JK INVEST (50.1%) and JFK FINANCE (49.9%).

Directors

According to the 2025 annual accounts

OREGAU INVEST SRL

Director · represented by Jean-François KAISER

Also active at: LORRAINE ET GAUME FINANCE

since 2025

JFK Finance SRL

Director · represented by Jean-François Kaiser

Also active at: LORRAINE ET GAUME FINANCE

since 2021 · until 2025

Shareholders

JK INVEST

50.1%

JFK FINANCE

49.9%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Lenclos 74 A

6740 Etalle

2.083.343.234

Lenclos 74A

6740 Etalle

Active since 17 September 1997

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

LORRAINE ET GAUME FINANCE same network

€ 1.4 million gross margin · 2025

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

Details

Company number

0460.603.906

VAT number

BE 0460.603.906

Registered office

Lenclos 74 A, 6740 Etalle

Names & denominations

ARDENNE ET GAUME ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

5 May 1997

Peppol

Active · Active since 13 Dec 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Overige fiscale dienstverlening

Boekhouders

Boekhouders en boekhouders-fiscalisten

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies

Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis

Overige adviesbureaus op het gebied van bedrijfsvoering en beheer

View on CBE Public ↗ Annual accounts (NBB) ↗

ARDENNE ET GAUME ASSURANCES

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Financials

What happened to ARDENNE ET GAUME ASSURANCES?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions