Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 44 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
NIVELLES ASSURANCES from Nivelles, company number BE0464014346, closed financial year 2024 with a result of € 42,419 after tax. For that financial year NIVELLES ASSURANCES recorded a gross margin of € 356,648 and equity of € 76,650. Compared with financial year 2023, the result moved from € 46,398 to € 42,419. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 20, 2025.
€ 76,650
▲ 37% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 42,419
▼ 9% vs 2023
Profit after tax over the fiscal year.
€ 70,000
▼ 19% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 15,000 paid out
35 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2024
€ 217,882
▲ 10% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 40,267
▼ 31% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 166,221
▼ 31% vs 2023
€ 69,998 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 16,962
▲ 12% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 40,789
▼ 14% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 223,899 | € 292,141 | € 341,744 | € 356,648 | ▲ 4% |
| Profit after taxes | € 6,069 | € 35,770 | € 46,398 | € 42,419 | ▼ 9% |
| Equity | € 31,589 | € 41,759 | € 55,957 | € 76,650 | ▲ 37% |
| Total debts | € 498,240 | € 440,924 | € 364,846 | € 260,245 | ▼ 29% |
| Cash | € 116,384 | € 76,289 | € 86,050 | € 70,000 | ▼ 19% |
| Land & buildings | € 249,219 | € 238,832 | € 228,444 | € 218,056 | ▼ 5% |
| Retained profit | € 25,143 | € 35,313 | € 49,512 | € 70,205 | ▲ 42% |
| Dividend | € 0 | € 20,000 | € 25,000 | € 15,000 | ▼ 40% |
| Bank debt | € 345,820 | € 322,804 | € 241,785 | € 166,221 | ▼ 31% |
| Balance sheet total | € 529,829 | € 482,683 | € 420,803 | € 336,895 | ▼ 20% |
Key figures of NIVELLES 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 NIVELLES ASSURANCES?
What happened at NIVELLES ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 42,419 (▼ 9% vs 2023). Source: NBB ↗
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,069 profit in 2021 to € 42,419 profit in 2024.
Paid € 44,347 in corporate taxes since 2021.
Best year ever: 2023, with € 46,398 profit.
Paid out € 60,000 in dividends to the owners in total.
A new publication or filing at NIVELLES ASSURANCES? We notify you, reason included.
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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
The stake of LAMBICONSULT, GIDEM, ROCHER CONSULT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
NIVELLES ASSURANCESBehind NIVELLES ASSURANCES are ROCHER CONSULT SPRL, DEMORTIER CONSEILS SCS SCS, MELEX SRL, GIDEM SPRL and LAMBICONSULT SRL. The shares are held by LAMBICONSULT (40%), GIDEM (22.4%) and ROCHER CONSULT (9.7%).
Directors
According to the 2024 annual accounts
Director · represented by OLIVIER DUBOIS
Also active at: FLEURUS FINANCES, Nivelles Finances
Director · represented by DIDIER DEMORTIER
Also active at: NIVELLES CONSEILS, FLEURUS FINANCES, Nivelles Finances
Director · represented by Alexandre MELIS
Also active at: FLEURUS FINANCES, Nivelles Finances
Director · represented by Xavier DEMARBAIX
Also active at: FLEURUS FINANCES, Nivelles Finances
Director · represented by Sébastien LAMBILLOTE
Also active at: LBN IMMO, Nivelles Finances
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de Namur 73
1400 Nivelles
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →NIVELLES CONSEILS same network
€ 45,702 gross margin · 2025
FINAVERT
ROCHER CONSULT same network
€ 399,131 gross margin · 2025
Association des copropriétaires de la "Rue de Namur, 73"
Nivelles Finances same network
€ 1.7 million gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
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Details
- Company number
- 0464.014.346
- VAT number
- BE 0464.014.346
- Registered office
- Rue de Namur 73, 1400 Nivelles
- Names & denominations
- NIVELLES ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 August 1998
- Peppol
- Active · Active since 16 Dec 2025
- Contact
- nivellesassurances.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars