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 (28 September 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 2024 annual accounts, the directors of ARDENNE ET GAUME ASSURANCES are: JK 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; 4 annual accounts filed, latest fiscal year 2024; 2 directors known from the annual account.

How much profit did ARDENNE ET GAUME ASSURANCES make in 2024?

ARDENNE ET GAUME ASSURANCES posted a profit after taxes of € 135,086 in financial year 2024.

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 2024, its added value was € 599,280.

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 € 53,900 in 2024: staff costs of € 414,905 for 7.7 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 2024 annual accounts, ARDENNE ET GAUME ASSURANCES has 7.7 full-time equivalents (FTE).

ARDENNE ET GAUME ASSURANCES (Private Limited) - Etalle

Dossier ARDENNE ET GAUME ASSURANCES, printed on 28 September 2026 from databakkes.be/en/0460603906/ardenne-et-gaume-assurances. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2024

ARDENNE ET GAUME ASSURANCES from Etalle, company number BE0460603906, closed financial year 2024 with a result of € 135,086 after tax. For that financial year ARDENNE ET GAUME ASSURANCES recorded a gross margin of € 599,280 and equity of € 408,411. Compared with financial year 2023, the result moved from € 17,737 to € 135,086. 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 July 3, 2025.

What it is worth Growing

€ 408,411

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

Profit Growing

€ 135,086

▲ € 117,349 vs 2023

Profit after tax over the fiscal year.

Cash in the bank

€ 233,474

▼ 40% vs 2023

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

Where the profit goes Pays out

€ 120,000 paid out

89 % 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 2024

Full-time equivalents

7.7

▲ 0.9 vs 2023

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

Wage cost

€ 414,905

▲ 12% vs 2023

€ 53,900 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

€ 46,115

▼ 22% vs 2023

Book value of vehicles, furniture and equipment.

Debts at end 2024

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.

€ 94,671

▼ 29% vs 2023

€ 42,738 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 17,007

▲ 140% vs 2023

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

Taxes and wages

€ 82,205

▲ 25% vs 2023

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	2024	Change 2023 → 2024
Gross margin	€ 479,249 Gross margin 2021: € 479,249 First fiscal year in the series	€ 492,830 Gross margin 2022: € 492,830 ▲ 3% vs 2021 (€ 479,249) Favourable step	€ 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	▲ 35%
Profit after taxes	€ 82,794 Profit after taxes 2021: € 82,794 First fiscal year in the series	€ 88,379 Profit after taxes 2022: € 88,379 ▲ 7% vs 2021 (€ 82,794) Favourable step	€ 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	▲ € 117,349
Equity	€ 386,863 Equity 2021: € 386,863 First fiscal year in the series	€ 408,159 Equity 2022: € 408,159 ▲ 6% vs 2021 (€ 386,863) Favourable step	€ 408,159 Equity 2023: € 408,159 Unchanged (€ 408,159) Unchanged	€ 408,411 Equity 2024: € 408,411 Unchanged (€ 408,159) Favourable step
Total debts	€ 453,115 Total debts 2021: € 453,115 First fiscal year in the series	€ 323,622 Total debts 2022: € 323,622 ▼ 29% vs 2021 (€ 453,115) Favourable step	€ 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	▲ 47%
Cash	€ 687,280 Cash 2021: € 687,280 First fiscal year in the series	€ 534,930 Cash 2022: € 534,930 ▼ 22% vs 2021 (€ 687,280) Unfavourable step	€ 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	▼ 40%
Land & buildings	€ 92,757 Land & buildings 2021: € 92,757 First fiscal year in the series	€ 80,608 Land & buildings 2022: € 80,608 ▼ 13% vs 2021 (€ 92,757) Unchanged	€ 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	▼ 18%
Retained profit	€ 380,665 Retained profit 2021: € 380,665 First fiscal year in the series	€ 401,961 Retained profit 2022: € 401,961 ▲ 6% vs 2021 (€ 380,665) Favourable step	€ 401,961 Retained profit 2023: € 401,961 Unchanged (€ 401,961) Unchanged	€ 402,214 Retained profit 2024: € 402,214 Unchanged (€ 401,961) Favourable step
Dividend	€ 233,000 Dividend 2021: € 233,000 First fiscal year in the series	€ 50,000 Dividend 2022: € 50,000 ▼ 79% vs 2021 (€ 233,000) Unchanged	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 50,000) Unchanged	€ 120,000 Dividend 2024: € 120,000 Unchanged (€ 0) Unchanged
Bank debt	€ 110,176 Bank debt 2021: € 110,176 First fiscal year in the series	€ 116,936 Bank debt 2022: € 116,936 ▲ 6% vs 2021 (€ 110,176) Unfavourable step	€ 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	▼ 29%
Balance sheet total	€ 839,978 Balance sheet total 2021: € 839,978 First fiscal year in the series	€ 731,780 Balance sheet total 2022: € 731,780 ▼ 13% vs 2021 (€ 839,978) Unchanged	€ 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	▲ 17%
Employees (FTE)	5.1 Employees (FTE) 2021: 5.1 First fiscal year in the series	5.6 Employees (FTE) 2022: 5.6 ▲ 0.5 vs 2021 (5.1) Unchanged	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	▲ 0.9

Key figures of ARDENNE ET GAUME ASSURANCES, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.

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:

Jul 3, 2025 New annual accounts for financial year 2024: profit of € 135,086 (▲ € 117,349 vs 2023). Source: NBB ↗
2023 JK Invest SRL became a director. NBB
2023 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 € 82,794 profit in 2021 to € 135,086 profit in 2024.

Paid € 81,407 in corporate taxes since 2021.

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

On average € 77,800 of value added per employee in 2024.

Original PDFs at the National Bank ↗

A new publication or filing at ARDENNE ET GAUME ASSURANCES? 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%

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

Real filings 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 are JK Invest SRL and JFK Finance SRL. The shares are held by JK INVEST (50.1%) and JFK FINANCE (49.9%).

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Directors

According to the 2024 annual accounts

JK Invest SRL

Director · represented by Jérome KLEIN

Also active at: LORRAINE ET GAUME FINANCE, K INVESTMENTS

since 2023

JFK Finance SRL

Director · represented by Jean-François KAISER

Also active at: Grand Est

since 2023

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

€ 922,716 gross margin · 2024

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

Financials

What happened to ARDENNE ET GAUME ASSURANCES?

Know what changes at your customers, suppliers and competitors. Without reading an annual account.

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions