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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Agent de banque et d'assurances COEUR DU HAINAUT from La Louvière, company number BE0465013743, closed financial year 2025 with a result of € 1 million after tax. For that financial year Agent de banque et d'assurances COEUR DU HAINAUT recorded a gross margin of € 4 million and equity of € 667,336. Compared with financial year 2024, the result moved from € 894,358 to € 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 26, 2026.
€ 667,336
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1 million
▲ 17% vs 2024
Profit after tax over the fiscal year.
€ 1.3 million
▲ 175% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1 million paid out
96 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
41.3
▲ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 2.5 million
▲ 4% vs 2024
€ 60,200 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.
Debts at end 2025
€ 699,407
▲ 8% vs 2024
Loans from banks and other lenders, long and short.
€ 172,096
▼ 9% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 848,534
▲ 18% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 3,375,627 | € 3,617,388 | € 3,712,018 | € 3,988,065 | ▲ 7% |
| Profit after taxes | € 713,510 | € 858,260 | € 894,358 | € 1,043,645 | ▲ 17% |
| Equity | € 614,709 | € 604,062 | € 629,283 | € 667,336 | ▲ 6% |
| Total debts | € 1,929,978 | € 2,314,178 | € 2,171,372 | € 2,424,016 | ▲ 12% |
| Cash | € 1,223,166 | € 948,663 | € 460,513 | € 1,265,189 | ▲ 175% |
| Retained profit | € 539,209 | € 528,562 | € 553,783 | € 591,836 | ▲ 7% |
| Dividend | € 676,193 | € 868,907 | € 806,084 | € 1,002,440 | ▲ 24% |
| Bank debt | € 648,912 | € 648,912 | € 648,912 | € 699,407 | ▲ 8% |
| Balance sheet total | € 2,639,687 | € 2,918,240 | € 2,800,655 | € 3,091,352 | ▲ 10% |
| Employees (FTE) | 42.9 | 41.6 | 40.8 | 41.3 | ▲ 0.5 |
Key figures of Agent de banque et d'assurances COEUR DU HAINAUT, 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 COEUR DU HAINAUT?
What happened at Agent de banque et d'assurances COEUR DU HAINAUT 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 million (▲ 17% vs 2024). filed late Source: NBB ↗
- SEBASTIEN SZYMUSIK became a director. NBB
- PHILIPPE KERBUSCH became a director. NBB
- MICKAEL CRUGENAIRE became a director. NBB
- OLIVIER LANGELET became a director. NBB
- PATRICK GOBBE became a director. NBB
- New establishment in Soignies. KBO
- New establishment in Braine-le-Comte. KBO
In short
From € 713,510 profit in 2022 to € 1 million profit in 2025.
Paid € 1.5 million in corporate taxes since 2022.
Best year ever: 2025, with € 1 million profit.
On average € 96,600 of value added per employee in 2025.
A new publication or filing at Agent de banque et d'assurances COEUR DU HAINAUT? 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
Behind Agent de banque et d'assurances COEUR DU HAINAUT are CHRISTOPHE MEES, SEBASTIEN SZYMUSIK, BRUNO PUYSTIENS, CHRISTOPHE PERNIAUX, OLIVIER ZANIN and MICKAEL CRUGENAIRE.
Directors
According to the 2025 annual accounts
CHRISTOPHE MEES
Director
since 2010
SEBASTIEN SZYMUSIK
Director
since 2024
BRUNO PUYSTIENS
Director
CHRISTOPHE PERNIAUX
Director
since 2010
OLIVIER ZANIN
Director
MICKAEL CRUGENAIRE
Director
since 2019
since 2024
OLIVIER LANGELET
Director
since 2017
PATRICK GOBBE
Administrator-manager
since 2012
Establishments
Establishment units
Physical locations of this company
Rue Albert 1,Roi des Belges(L.L) 23
7100 La Louvière
Rue du Culot(H-G) 2
7110 La Louvière
Active since 13 April 2001
Place Van Zeeland 37
7060 Soignies
Active since 1 January 2010
Rue Mayeur Etienne 14
7090 Braine-le-Comte
Active since 1 January 2010
Rue Camille Duray 67
7190 Ecaussinnes
Active since 1 January 2010
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0465.013.743
- VAT number
- BE 0465.013.743
- Registered office
- Rue Albert 1,Roi des Belges(L.L) 23, 7100 La Louvière
- Names & denominations
- Agent de banque et d'assurances COEUR DU HAINAUT
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 28 December 1998
- Peppol
- Not registered
- Activities · NACE
Agenten en makelaars in bankdiensten