Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
ASSURAL from Waregem, company number BE0472573409, closed financial year 2025 with a result of € 23,571 after tax. For that financial year ASSURAL recorded a gross margin of € 274,230 and equity of € 247,316. Compared with financial year 2024, the result moved from € 14,365 to € 23,571. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 11, 2026.
€ 247,316
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 23,571
▲ 64% vs 2024
Profit after tax over the fiscal year.
€ 94,347
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 32,524 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 171,577
▼ 2% 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.
€ 77,833
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 53,319
▼ 30% vs 2024
€ 18,095 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 6,180
▲ 30% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 203,429 | € 255,451 | € 261,818 | € 274,230 | ▲ 5% |
| Profit after taxes | € 2,673 | € 27,197 | € 14,365 | € 23,571 | ▲ 64% |
| Equity | € 239,303 | € 241,904 | € 256,269 | € 247,316 | ▼ 3% |
| Total debts | € 156,443 | € 168,035 | € 149,521 | € 65,397 | ▼ 56% |
| Cash | € 307,339 | € 234,115 | € 206,382 | € 94,347 | ▼ 54% |
| Retained profit | € 176,679 | € 179,280 | € 193,645 | € 184,692 | ▼ 5% |
| Dividend | € 0 | € 24,596 | € 0 | € 32,524 | |
| Bank debt | € 27,536 | € 99,956 | € 75,757 | € 53,319 | ▼ 30% |
| Balance sheet total | € 395,747 | € 409,940 | € 405,791 | € 312,713 | ▼ 23% |
Key figures of ASSURAL, 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 ASSURAL?
What happened at ASSURAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bernard LEFEBVRE stepped down as director. NBB
- IMMALEF NV stepped down as director. NBB
- Delphine LEFEBVRE stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 23,571 (▲ 64% vs 2024). Source: NBB ↗
- Bernard LEFEBVRE became a director. NBB
- IMMALEF NV became a director. NBB
- Delphine LEFEBVRE became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 2,673 profit in 2022 to € 23,571 profit in 2025.
Paid € 57,353 in corporate taxes since 2022.
Best year ever: 2023, with € 27,197 profit.
Paid out € 57,120 in dividends to the owners in total.
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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
Directors
According to the 2025 annual accounts
since 2023 · until 2030
Managing director · represented by Lucien LEFEBVRE
since 2023 · until 2030
since 2023 · until 2030
Establishments
Establishment units
Physical locations of this company
Leiestraat 73
8792 Waregem
Gentseweg 242
8792 Waregem
Active since 31 July 2000
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0472.573.409
- VAT number
- BE 0472.573.409
- Registered office
- Leiestraat 73, 8792 Waregem
- Names & denominations
- ASSURAL
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 August 2000
- Peppol
- Not registered
- Contact
- assural.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten