Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Annual account missing NBB
Fiscal year 2023 was expected before 31 July 2024 and has not been filed.
Financials
Financial year 2022
Agent de banque et d'assurances Liège Ardenne-Condroz from Chaudfontaine, company number BE0463712062, closed financial year 2022 with a result of € 2.1 million after tax. For that financial year Agent de banque et d'assurances Liège Ardenne-Condroz recorded a gross margin of € 5.5 million and equity of € 671,422. Compared with financial year 2021, the result moved from € 1.6 million to € 2.1 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 August 28, 2023.
€ 671,422
▲ 21% vs 2021
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2.1 million
▲ 31% vs 2021
Profit after tax over the fiscal year.
€ 570,593
▲ 44% vs 2021
Cash and bank balances on the last day of the fiscal year.
€ 1.9 million paid out
90 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2022
42.2
▲ 5 vs 2021
Average over the fiscal year, from the social balance sheet.
€ 2.5 million
▲ 11% vs 2021
€ 60,000 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.
€ 295,758
▲ 242% vs 2021
Book value of vehicles, furniture and equipment.
Debts at end 2022
€ 137,016
▲ 69% vs 2021
€ 61,237 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 110,256
▲ 51% vs 2021
Supplier invoices still open on the last day of the fiscal year.
€ 1.1 million
▲ 53% vs 2021
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | Change 2021 → 2022 | |
|---|---|---|---|
| Gross margin | € 4,484,658 | € 5,510,564 | ▲ 23% |
| Profit after taxes | € 1,582,577 | € 2,075,819 | ▲ 31% |
| Equity | € 556,736 | € 671,422 | ▲ 21% |
| Total debts | € 2,210,400 | € 2,766,963 | ▲ 25% |
| Cash | € 397,070 | € 570,593 | ▲ 44% |
| Retained profit | € 481,736 | € 596,422 | ▲ 24% |
| Dividend | € 1,513,950 | € 1,861,047 | ▲ 23% |
| Bank debt | € 81,236 | € 137,016 | ▲ 69% |
| Balance sheet total | € 2,767,136 | € 3,438,385 | ▲ 24% |
| Employees (FTE) | 37.2 | 42.2 | ▲ 5 |
Key figures of Agent de banque et d'assurances Liège Ardenne-Condroz, fiscal years 2021 to 2022, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2023 has not been filed yet; it was expected before 31 July 2024.
What happened to Agent de banque et d'assurances Liège Ardenne-Condroz?
What happened at Agent de banque et d'assurances Liège Ardenne-Condroz in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2022: profit of € 2.1 million (▲ 31% vs 2021). filed late Source: NBB ↗
- Alexandre Willems became a director. NBB
- New establishment in Spa. KBO
- New establishment in Theux. KBO
- New establishment in Malmedy. KBO
- Ludovic Pirard became a director. NBB
- Eric Reuter became a director. NBB
- Renato Bersanelli became a director. NBB
In short
From € 1.6 million profit in 2021 to € 2.1 million profit in 2022.
Paid € 1.4 million in corporate taxes since 2021.
Best year ever: 2022, with € 2.1 million profit.
On average € 130,600 of value added per employee in 2022.
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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
Management
Behind Agent de banque et d'assurances Liège Ardenne-Condroz are Ludovic Pirard, Eric Reuter, Thierry Defleur, Robin Geradin, Alexandre Willems and Renato Bersanelli.
Directors
According to the 2022 annual accounts
Ludovic Pirard
Associate
since 2022
Eric Reuter
Associate
since 2022
Thierry Defleur
Associate
since 1998
Robin Geradin
Associate
since 2004
Alexandre Willems
Associate
since 2022
Renato Bersanelli
Associate
since 2022
Nicolas Léonard
Associate
since 2022
Amaury De Harenne
Associate
since 2005
Renaud Cheuvart
Associate
since 2014
Yves Diffels
Associate
since 2022
Serge Duchnik
Associate
since 2001
Establishments
Establishment units
Physical locations of this company
Voie de l'Ardenne 132
4053 Chaudfontaine
Place Joseph Thiry 47
4920 Aywaille
Active since 28 August 2001
Avenue Laboulle 37
4130 Esneux
Active since 28 August 2001
Rue de Rotheux 37 box 1
4100 Seraing
Active since 1 January 2010
Route du Condroz(PLX) 87
4122 Neupré
Active since 10 February 2017
Rue du Sart-Tilman 354
4031 Liège
Active since 1 January 2019
Avenue du Luxembourg 50
4020 Liège
Active since 1 January 2019
Place Verte 31
4900 Spa
Active since 1 January 2022
Place du Perron 41
4910 Theux
Active since 1 January 2022
Avenue des Alliés 82
4960 Malmedy
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
- 0463.712.062
- VAT number
- BE 0463.712.062
- Registered office
- Voie de l'Ardenne 132, 4053 Chaudfontaine
- Names & denominations
- Agent de banque et d'assurances Liège Ardenne-Condroz
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 2 July 1998
- Peppol
- Active · Active since 11 Mar 2026
- Activities · NACE
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