What does ASSURANCES, FINANCEMENTS ET PRETS do?

ASSURANCES, FINANCEMENTS ET PRETS is an insurance broker in Couvin. Private Limited, started on 1 July 1998, 1 establishment.

What is the address of ASSURANCES, FINANCEMENTS ET PRETS?

The registered office of ASSURANCES, FINANCEMENTS ET PRETS is located at Rue du Bercet 3, 5660 Couvin.

Is ASSURANCES, FINANCEMENTS ET PRETS still active?

Yes. According to the CBE (23 September 2026) ASSURANCES, FINANCEMENTS ET PRETS is active, legal situation “Normale toestand”, started on 1 July 1998.

Is ASSURANCES, FINANCEMENTS ET PRETS registered on Peppol?

Yes, ASSURANCES, FINANCEMENTS ET PRETS is registered on the Peppol network with ID 0208:0463695533.

What is the enterprise number of ASSURANCES, FINANCEMENTS ET PRETS?

The enterprise number of ASSURANCES, FINANCEMENTS ET PRETS is BE0463695533.

When was ASSURANCES, FINANCEMENTS ET PRETS founded?

ASSURANCES, FINANCEMENTS ET PRETS was founded on 1 July 1998.

Who are the directors of ASSURANCES, FINANCEMENTS ET PRETS?

According to the 2025 annual accounts, the directors of ASSURANCES, FINANCEMENTS ET PRETS are: PHILIPPE NICOLAS.

Is ASSURANCES, FINANCEMENTS ET PRETS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 July 1998; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did ASSURANCES, FINANCEMENTS ET PRETS make in 2025?

ASSURANCES, FINANCEMENTS ET PRETS posted a profit after taxes of € 158,776 in financial year 2025.

What is the revenue of ASSURANCES, FINANCEMENTS ET PRETS?

As a small company, ASSURANCES, FINANCEMENTS ET PRETS is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 297,885.

ASSURANCES, FINANCEMENTS ET PRETS (Private Limited)

Dossier ASSURANCES, FINANCEMENTS ET PRETS, printed on 23 September 2026 from databakkes.be/en/0463695533/assurances-financements-et-prets. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

ASSURANCES, FINANCEMENTS ET PRETS from Couvin, company number BE0463695533, closed financial year 2025 with a result of € 158,776 after tax. For that financial year ASSURANCES, FINANCEMENTS ET PRETS recorded a gross margin of € 297,885 and equity of € 682,473. Compared with financial year 2024, the result moved from € 153,399 to € 158,776. 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 June 27, 2026.

What it is worth Growing

€ 682,473

▲ 23% vs 2024

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

Profit Growing

€ 158,776

▲ 4% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 626,020

▲ € 599,788 vs 2024

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

Where the profit goes Pays out

€ 24,839 paid out

16 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Wage cost

€ 50,089

▲ 3% 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

€ 1,461

▼ 24% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 8,130

▲ 111% vs 2024

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

Taxes and wages

€ 45,638

▲ 36% vs 2024

Taxes, VAT and social contributions still to pay.

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Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 221,756 Gross margin 2022: € 221,756 First fiscal year in the series	€ 246,786 Gross margin 2023: € 246,786 ▲ 11% vs 2022 (€ 221,756) Favourable step	€ 291,314 Gross margin 2024: € 291,314 ▲ 18% vs 2023 (€ 246,786) Favourable step	€ 297,885 Gross margin 2025: € 297,885 ▲ 2% vs 2024 (€ 291,314) Favourable step	▲ 2%
Profit after taxes	€ 107,428 Profit after taxes 2022: € 107,428 First fiscal year in the series	€ 106,703 Profit after taxes 2023: € 106,703 ▼ 1% vs 2022 (€ 107,428) Unfavourable step	€ 153,399 Profit after taxes 2024: € 153,399 ▲ 44% vs 2023 (€ 106,703) Favourable step	€ 158,776 Profit after taxes 2025: € 158,776 ▲ 4% vs 2024 (€ 153,399) Favourable step	▲ 4%
Equity	€ 292,810 Equity 2022: € 292,810 First fiscal year in the series	€ 399,513 Equity 2023: € 399,513 ▲ 36% vs 2022 (€ 292,810) Favourable step	€ 552,911 Equity 2024: € 552,911 ▲ 38% vs 2023 (€ 399,513) Favourable step	€ 682,473 Equity 2025: € 682,473 ▲ 23% vs 2024 (€ 552,911) Favourable step	▲ 23%
Total debts	€ 47,686 Total debts 2022: € 47,686 First fiscal year in the series	€ 24,133 Total debts 2023: € 24,133 ▼ 49% vs 2022 (€ 47,686) Favourable step	€ 43,509 Total debts 2024: € 43,509 ▲ 80% vs 2023 (€ 24,133) Unfavourable step	€ 58,143 Total debts 2025: € 58,143 ▲ 34% vs 2024 (€ 43,509) Unfavourable step	▲ 34%
Cash	€ 239,710 Cash 2022: € 239,710 First fiscal year in the series	€ 323,133 Cash 2023: € 323,133 ▲ 35% vs 2022 (€ 239,710) Favourable step	€ 26,232 Cash 2024: € 26,232 ▼ 92% vs 2023 (€ 323,133) Unfavourable step	€ 626,020 Cash 2025: € 626,020 ▲ € 599,788 vs 2024 (€ 26,232) Favourable step	▲ € 599,788
Land & buildings	€ 40,150 Land & buildings 2022: € 40,150 First fiscal year in the series	€ 55,383 Land & buildings 2023: € 55,383 ▲ 38% vs 2022 (€ 40,150) Unchanged	€ 60,439 Land & buildings 2024: € 60,439 ▲ 9% vs 2023 (€ 55,383) Unchanged	€ 54,880 Land & buildings 2025: € 54,880 ▼ 9% vs 2024 (€ 60,439) Unchanged	▼ 9%
Retained profit	€ 286,612 Retained profit 2022: € 286,612 First fiscal year in the series	€ 393,315 Retained profit 2023: € 393,315 ▲ 37% vs 2022 (€ 286,612) Favourable step	€ 546,714 Retained profit 2024: € 546,714 ▲ 39% vs 2023 (€ 393,315) Favourable step	€ 676,276 Retained profit 2025: € 676,276 ▲ 24% vs 2024 (€ 546,714) Favourable step	▲ 24%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 24,839 Dividend 2025: € 24,839 Unchanged (€ 0) Unchanged
Bank debt	€ 11,757 Bank debt 2022: € 11,757 First fiscal year in the series	€ 0 Bank debt 2023: € 0 ▼ 100% vs 2022 (€ 11,757) Favourable step	€ 0 Bank debt 2024: € 0 Unchanged (€ 0) Unchanged	€ 0 Bank debt 2025: € 0 Unchanged (€ 0) Unchanged
Balance sheet total	€ 340,495 Balance sheet total 2022: € 340,495 First fiscal year in the series	€ 423,645 Balance sheet total 2023: € 423,645 ▲ 24% vs 2022 (€ 340,495) Unchanged	€ 596,421 Balance sheet total 2024: € 596,421 ▲ 41% vs 2023 (€ 423,645) Unchanged	€ 740,616 Balance sheet total 2025: € 740,616 ▲ 24% vs 2024 (€ 596,421) Unchanged	▲ 24%

Key figures of ASSURANCES, FINANCEMENTS ET PRETS, 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 ASSURANCES, FINANCEMENTS ET PRETS?

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

Jun 27, 2026 New annual accounts for financial year 2025: profit of € 158,776 (▲ 4% vs 2024). Source: NBB ↗
Jul 17, 1998 New establishment in Couvin. KBO
Jul 1, 1998 Start of the company according to the CBE. KBO

In short

From € 107,428 profit in 2022 to € 158,776 profit in 2025.

Paid € 269,768 in corporate taxes since 2022.

Best year ever: 2025, with € 158,776 profit.

Paid out € 24,839 in dividends to the owners in total.

Original PDFs at the National Bank ↗

A new publication or filing at ASSURANCES, FINANCEMENTS ET PRETS? 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

PHILIPPE NICOLAS

ASSURANCES, FINANCEMENTS ET PRETS

Behind ASSURANCES, FINANCEMENTS ET PRETS is PHILIPPE NICOLAS.

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Directors

According to the 2025 annual accounts

PHILIPPE NICOLAS

Administrator-manager

Establishments

Establishment units

Physical locations of this company

Registered office

Rue du Bercet 3

5660 Couvin

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 →

IMMOBILIERE RESIDENCE DU PARC

€ -2,551 gross margin · 2025

MK 13

€ 6,919 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

0463.695.533

VAT number

BE 0463.695.533

Registered office

Rue du Bercet 3, 5660 Couvin

Names & denominations

ASSURANCES, FINANCEMENTS ET PRETS · AFIPRET

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

1 July 1998

Peppol

Active · Active since 2 Oct 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

Overige financiële dienstverlening, neg

View on CBE Public ↗ Annual accounts (NBB) ↗