Financials
Financial year 2025
Agent de banque et d'assurances Liège Cité Ardente from Ans, company number BE0462372967, closed financial year 2025 with a result of € 1.5 million after tax. For that financial year Agent de banque et d'assurances Liège Cité Ardente recorded a gross margin of € 6.4 million and equity of € 1 million. Compared with financial year 2024, the result moved from € 1.1 million to € 1.5 million. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 19, 2026.
€ 1 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.5 million
▲ 35% vs 2024
Profit after tax over the fiscal year.
€ 878,794
▲ 222% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.3 million paid out
82 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
53.5
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 3.8 million
▼ 1% vs 2024
€ 71,800 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.
€ 659,864
▼ 19% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 606,205
▼ 24% vs 2024
€ 240,482 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 128,987
▲ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1 million
▲ 48% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,579,051 | € 5,271,166 | € 5,867,500 | € 6,365,709 | ▲ 8% |
| Profit after taxes | € 1,095,404 | € 934,553 | € 1,144,296 | € 1,544,487 | ▲ 35% |
| Equity | € 988,304 | € 1,098,603 | € 1,010,905 | € 1,048,505 | ▲ 4% |
| Total debts | € 2,279,254 | € 2,873,506 | € 2,652,115 | € 2,681,586 | ▲ 1% |
| Cash | € 208,415 | € 402,820 | € 272,501 | € 878,794 | ▲ 222% |
| Retained profit | € 913,304 | € 1,022,353 | € 934,655 | € 971,505 | ▲ 4% |
| Dividend | € 923,260 | € 825,295 | € 1,093,568 | € 1,271,095 | ▲ 16% |
| Bank debt | € 629,757 | € 1,152,671 | € 793,102 | € 606,205 | ▼ 24% |
| Balance sheet total | € 3,267,558 | € 3,972,109 | € 3,663,020 | € 3,730,091 | ▲ 2% |
| Employees (FTE) | 57.3 | 50.6 | 53.8 | 53.5 | ▼ 0.3 |
Key figures of Agent de banque et d'assurances Liège Cité Ardente, 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 Agent de banque et d'assurances Liège Cité Ardente?
What happened at Agent de banque et d'assurances Liège Cité Ardente in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1.5 million (▲ 35% vs 2024). Source: NBB ↗
- GRAZIELLA LAURENT became a director. NBB
- SEBASTIEN HABAY became a director. NBB
- AURORE LAHAYE became a director. NBB
- BENJAMIN CIPRIANO FLORES became a director. NBB
- CARMELA LOMONACO became a director. NBB
- LUC PINCHARD became a director. NBB
- New establishment in Ans. KBO
In short
From € 1.1 million profit in 2022 to € 1.5 million profit in 2025.
Paid € 2 million in corporate taxes since 2022.
Best year ever: 2025, with € 1.5 million profit.
On average € 119,000 of value added per employee in 2025.
Management
Behind Agent de banque et d'assurances Liège Cité Ardente are AURORE LAHAYE, BENJAMIN CIPRIANO FLORES, FREDERIC LEBRUN, CARMELA LOMONACO, GREGORY JAVAUX and GRAZIELLA LAURENT.
Directors
According to the 2025 annual accounts
AURORE LAHAYE
Director
since 2022
BENJAMIN CIPRIANO FLORES
Director
since 2022
FREDERIC LEBRUN
Director
since 2022
CARMELA LOMONACO
Director
since 2022
GREGORY JAVAUX
Director
since 2004
since 2026
SEBASTIEN HABAY
Director
since 2023
XAVIER MOORS
Director
since 2014
ALAIN FAGNAN - POLIS
Director
since 2019
ETIENNE CHRETIEN
Director
since 2022
NATHALIE VONAU
Director
since 2022
ALAIN SYNE
Director
since 2022
SEBASTIEN JACQUES
Director
since 2022
LUC PINCHARD
Director
since 2022
ERIC MARECHAL
Director
since 2022
EMMANUEL JENNES
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Chaussée du Roi Albert 50
4431 Ans
Chaussée de Tongres 391
4000 Liège
Active since 6 February 2001
Rue de Herve 511
4030 Liège
Active since 1 January 2011
Place Jean Jaurès 35-36
4040 Herstal
Active since 1 January 2011
Grand'Route(Flh) 408
4400 Flémalle
Active since 1 January 2022
Rue Albert Ier 39 box 2
4470 Saint-Georges-sur-Meuse
Active since 1 January 2022
Rue Lebeau 3
4000 Liège
Active since 1 January 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0462.372.967
- VAT number
- BE 0462.372.967
- Registered office
- Chaussée du Roi Albert 50, 4431 Ans
- Names & denominations
- Agent de banque et d'assurances Liège Cité Ardente
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 8 January 1998
- Peppol
- Active · Active since 5 Mar 2026
- Activities · NACE
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