What does MAXEL ASSURANCE do?

MAXEL ASSURANCE is an insurance broker in Wavre. Public Limited, started on 5 September 2000, 3 establishments.

What is the address of MAXEL ASSURANCE?

The registered office of MAXEL ASSURANCE is located at Avenue Einstein 11, 1300 Wavre.

Is MAXEL ASSURANCE still active?

Yes. According to the CBE (29 October 2026) MAXEL ASSURANCE is active, legal situation “Normale toestand”, started on 5 September 2000.

Is MAXEL ASSURANCE registered on Peppol?

Yes, MAXEL ASSURANCE is registered on the Peppol network with ID 0208:0472683671.

What is the enterprise number of MAXEL ASSURANCE?

The enterprise number of MAXEL ASSURANCE is BE0472683671.

When was MAXEL ASSURANCE founded?

MAXEL ASSURANCE was founded on 5 September 2000.

Who are the directors of MAXEL ASSURANCE?

According to the 2025 annual accounts, the directors of MAXEL ASSURANCE are: GREENFLAG, CONSULT INVEST & PATRIMOINE, MAXEL GROUPE, LEAD BUSINESS.

Is MAXEL ASSURANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 5 September 2000; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 3 establishments in the CBE.

How much profit did MAXEL ASSURANCE make in 2025?

MAXEL ASSURANCE posted a profit after taxes of € 194,933 in financial year 2025.

What is the revenue of MAXEL ASSURANCE?

As a small company, MAXEL ASSURANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 3,597,344.

How much does an employee at MAXEL ASSURANCE earn?

The average wage cost per full-time employee at MAXEL ASSURANCE was € 79,900 in 2025: staff costs of € 2.7 million for 33.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does MAXEL ASSURANCE have?

According to the 2025 annual accounts, MAXEL ASSURANCE has 33.3 full-time equivalents (FTE).

MAXEL ASSURANCE (Public Limited) - Wavre - BE0472683671

Dossier MAXEL ASSURANCE, printed on 29 October 2026 from databakkes.be/en/0472683671/maxel-assurance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 14 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

MAXEL ASSURANCE from Wavre, company number BE0472683671, closed financial year 2025 with a result of € 194,933 after tax. For that financial year MAXEL ASSURANCE recorded a gross margin of € 3.6 million and equity of € 86,711. Compared with financial year 2024, the result moved from € 331,489 to € 194,933. The company is profitable. The buffer shrank hard: equity is 94 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.

What it is worth Shrank hard

€ 86,711

▼ 94% vs 2024

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

Profit Healthy

€ 194,933

▼ 41% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 550,428

▼ 56% vs 2024

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

Where the profit goes Pays out

€ 1.5 million paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

33.3

▲ 3.4 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 2.7 million

▲ 29% vs 2024

€ 79,900 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.

Vehicles and equipment

€ 79,257

▲ 42% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.5 million

▼ 26% vs 2024

€ 833,855 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 1.5 million

▼ 22% vs 2024

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

Taxes and wages

€ 235,099

▼ 26% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 2,781,619 Gross margin 2022: € 2,781,619 First fiscal year in the series	€ 3,423,578 Gross margin 2023: € 3,423,578 ▲ 23% vs 2022 (€ 2,781,619) Favourable step	€ 3,117,766 Gross margin 2024: € 3,117,766 ▼ 9% vs 2023 (€ 3,423,578) Unfavourable step	€ 3,597,344 Gross margin 2025: € 3,597,344 ▲ 15% vs 2024 (€ 3,117,766) Favourable step	▲ 15%
Profit after taxes	€ 683,862 Profit after taxes 2022: € 683,862 First fiscal year in the series	€ 706,355 Profit after taxes 2023: € 706,355 ▲ 3% vs 2022 (€ 683,862) Favourable step	€ 331,489 Profit after taxes 2024: € 331,489 ▼ 53% vs 2023 (€ 706,355) Unfavourable step	€ 194,933 Profit after taxes 2025: € 194,933 ▼ 41% vs 2024 (€ 331,489) Unfavourable step	▼ 41%
Equity	€ 894,493 Equity 2022: € 894,493 First fiscal year in the series	€ 1,154,374 Equity 2023: € 1,154,374 ▲ 29% vs 2022 (€ 894,493) Favourable step	€ 1,445,276 Equity 2024: € 1,445,276 ▲ 25% vs 2023 (€ 1,154,374) Favourable step	€ 86,711 Equity 2025: € 86,711 ▼ 94% vs 2024 (€ 1,445,276) Unfavourable step	▼ 94%
Total debts	€ 5,127,716 Total debts 2022: € 5,127,716 First fiscal year in the series	€ 4,984,114 Total debts 2023: € 4,984,114 ▼ 3% vs 2022 (€ 5,127,716) Favourable step	€ 4,623,837 Total debts 2024: € 4,623,837 ▼ 7% vs 2023 (€ 4,984,114) Favourable step	€ 5,101,970 Total debts 2025: € 5,101,970 ▲ 10% vs 2024 (€ 4,623,837) Unfavourable step	▲ 10%
Cash	€ 1,173,909 Cash 2022: € 1,173,909 First fiscal year in the series	€ 754,877 Cash 2023: € 754,877 ▼ 36% vs 2022 (€ 1,173,909) Unfavourable step	€ 1,240,949 Cash 2024: € 1,240,949 ▲ 64% vs 2023 (€ 754,877) Favourable step	€ 550,428 Cash 2025: € 550,428 ▼ 56% vs 2024 (€ 1,240,949) Unfavourable step	▼ 56%
Retained profit	€ 832,493 Retained profit 2022: € 832,493 First fiscal year in the series	€ 1,078,046 Retained profit 2023: € 1,078,046 ▲ 29% vs 2022 (€ 832,493) Favourable step	€ 1,368,948 Retained profit 2024: € 1,368,948 ▲ 27% vs 2023 (€ 1,078,046) Favourable step	€ 10,383 Retained profit 2025: € 10,383 ▼ 99% vs 2024 (€ 1,368,948) Unfavourable step	▼ 99%
Dividend	€ 500,000 Dividend 2022: € 500,000 First fiscal year in the series	€ 497,000 Dividend 2023: € 497,000 ▼ 1% vs 2022 (€ 500,000) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 497,000) Unchanged	€ 1,509,615 Dividend 2025: € 1,509,615 Unchanged (€ 0) Unchanged
Bank debt	€ 2,784,398 Bank debt 2022: € 2,784,398 First fiscal year in the series	€ 2,573,201 Bank debt 2023: € 2,573,201 ▼ 8% vs 2022 (€ 2,784,398) Favourable step	€ 2,000,965 Bank debt 2024: € 2,000,965 ▼ 22% vs 2023 (€ 2,573,201) Favourable step	€ 1,484,576 Bank debt 2025: € 1,484,576 ▼ 26% vs 2024 (€ 2,000,965) Favourable step	▼ 26%
Balance sheet total	€ 6,022,209 Balance sheet total 2022: € 6,022,209 First fiscal year in the series	€ 6,138,488 Balance sheet total 2023: € 6,138,488 ▲ 2% vs 2022 (€ 6,022,209) Unchanged	€ 6,069,112 Balance sheet total 2024: € 6,069,112 ▼ 1% vs 2023 (€ 6,138,488) Unchanged	€ 5,188,681 Balance sheet total 2025: € 5,188,681 ▼ 15% vs 2024 (€ 6,069,112) Unchanged	▼ 15%
Employees (FTE)	23 Employees (FTE) 2022: 23 First fiscal year in the series	26.1 Employees (FTE) 2023: 26.1 ▲ 3.1 vs 2022 (23) Unchanged	29.9 Employees (FTE) 2024: 29.9 ▲ 3.8 vs 2023 (26.1) Unchanged	33.3 Employees (FTE) 2025: 33.3 ▲ 3.4 vs 2024 (29.9) Unchanged	▲ 3.4

Key figures of MAXEL ASSURANCE, 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 MAXEL ASSURANCE?

What happened at MAXEL ASSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2028 GREENFLAG stepped down as director. NBB
2028 CONSULT INVEST & PATRIMOINE stepped down as director. NBB
2028 MAXEL GROUPE stepped down as director. NBB
2028 LEAD BUSINESS stepped down as director. NBB
Jul 17, 2026 New annual accounts for financial year 2025: profit of € 194,933 (▼ 41% vs 2024). Source: NBB ↗
Dec 18, 2023 New establishment in Jodoigne. KBO
Dec 18, 2023 New establishment in Perwez. KBO
2023 GREENFLAG became a director. NBB

In short

From € 683,862 profit in 2022 to € 194,933 profit in 2025.

Paid € 712,351 in corporate taxes since 2022.

Best year ever: 2023, with € 706,355 profit.

On average € 108,000 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

MAXEL GROUPE 100%

tribecor 13.8%

The stake of MAXEL GROUPE, tribecor comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

MAXEL ASSURANCE

MAXEL FINANCE 33.3%

The shares are held by MAXEL GROUPE (100%) and tribecor (13.8%). It owns 33.3% of MAXEL FINANCE itself.

Directors

According to the 2025 annual accounts

GREENFLAG

Managing director · represented by Gérald Beauduin

Also active at: MAXEL GROUPE

since 2023 · until 2028

CONSULT INVEST & PATRIMOINE

Managing director · represented by Alain Laridon

Also active at: MAXEL FINANCE, MAXEL GROUPE

since 2023 · until 2028

MAXEL GROUPE

Managing director · represented by Luc Petit

Also active at: MAXEL FINANCE, Private Finance

since 2023 · until 2028

LEAD BUSINESS

Managing director · represented by Quentin Vandenhaute

Also active at: MAXEL GROUPE

since 2023 · until 2028

Shareholders

MAXEL GROUPE

100%

tribecor

13.8%

Participations

MAXEL FINANCE

33.3%

Establishments

Establishment units

Physical locations of this company

Registered office

Avenue Einstein 11

1300 Wavre

2.353.049.853

Chaussée de Charleroi(Jod.) 99b

1370 Jodoigne

Active since 18 December 2023

2.353.049.952

Chaussée de Wavre 175

1360 Perwez

Active since 18 December 2023

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.

All companies at this address →

ARTELIA BELGIUM

€ 355,052 gross margin · 2025

Les Hauts du Val du Ry immobilière

€ 263,073 gross margin · 2025

PROXISTORE

€ -512,162 gross margin · 2024

Real Stone Investment

€ -4,280 gross margin · 2025

Maxel-Star

+2 more

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0472.683.671

VAT number

BE 0472.683.671

Registered office

Avenue Einstein 11, 1300 Wavre

Names & denominations

MAXEL ASSURANCE

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

5 September 2000

Peppol

Active · Active since 10 Nov 2025

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

MAXEL ASSURANCE

Warning lights

Financials

What happened to MAXEL ASSURANCE?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions