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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Late annual account NBB
Fiscal year 2023 was filed 288 days after the legal deadline.
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Annual account missing NBB
Fiscal year 2024 was expected before 31 July 2025 and has not been filed.
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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 2023
Agent de banque et d'assurances SILLE ET DENDRE from Enghien, company number BE0473630907, closed financial year 2023 with a result of € 472,966 after tax. For that financial year Agent de banque et d'assurances SILLE ET DENDRE recorded a gross margin of € 2.1 million and equity of € 408,715. Compared with financial year 2021, the result moved from € 337,000 to € 472,966. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 15, 2025.
€ 408,715
▲ 17% vs 2021
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 472,966
▲ 40% vs 2021
Profit after tax over the fiscal year.
€ 299,474
▼ 18% vs 2021
Cash and bank balances on the last day of the fiscal year.
€ 429,885 paid out
91 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2023
21
▼ 2.2 vs 2021
Average over the fiscal year, from the social balance sheet.
€ 1.4 million
▲ 3% vs 2021
€ 67,700 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.
€ 24,334
▲ 153% vs 2021
Book value of vehicles, furniture and equipment.
Debts at end 2023
None
No bank loans on the last day of the fiscal year.
€ 35,813
▼ 12% vs 2021
Supplier invoices still open on the last day of the fiscal year.
€ 383,202
▲ 27% vs 2021
Taxes, VAT and social contributions still to pay.
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| 2021 | 2023 | Change 2021 → 2023 | |
|---|---|---|---|
| Gross margin | € 1,986,726 | € 2,113,625 | ▲ 6% |
| Profit after taxes | € 337,000 | € 472,966 | ▲ 40% |
| Equity | € 348,176 | € 408,715 | ▲ 17% |
| Total debts | € 561,889 | € 720,518 | ▲ 28% |
| Cash | € 363,727 | € 299,474 | ▼ 18% |
| Retained profit | € 273,176 | € 333,715 | ▲ 22% |
| Dividend | € 312,117 | € 429,885 | ▲ 38% |
| Balance sheet total | € 1,001,172 | € 1,129,234 | ▲ 13% |
| Employees (FTE) | 23.2 | 21 | ▼ 2.2 |
Key figures of Agent de banque et d'assurances SILLE ET DENDRE, fiscal years 2021 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.
What happened to Agent de banque et d'assurances SILLE ET DENDRE?
What happened at Agent de banque et d'assurances SILLE ET DENDRE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2023: profit of € 472,966 (▲ 40% vs 2021). filed late Source: NBB ↗
- New establishment in Enghien. KBO
- Vincent FAUVAUX became a director. NBB
- New establishment in Ath. KBO
- New establishment in Frasnes-lez-Anvaing. KBO
- New establishment in Lessines. KBO
- Start of the company according to the CBE. KBO
In short
From € 337,000 profit in 2021 to € 472,966 profit in 2023.
Paid € 367,563 in corporate taxes since 2021.
Best year ever: 2023, with € 472,966 profit.
On average € 100,600 of value added per employee in 2023.
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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 SILLE ET DENDRE are GIAN-LUCA SAGGIA, Vincent FAUVAUX, Franck DETRAUX, ARNAUD DEBUYSSCHERE and FRANCIS SOETENS.
Directors
According to the 2023 annual accounts
GIAN-LUCA SAGGIA
Director
Vincent FAUVAUX
Director
since 2010
Franck DETRAUX
Director
ARNAUD DEBUYSSCHERE
Director
FRANCIS SOETENS
Director
Establishments
Establishment units
Physical locations of this company
Steenweg op Zinnik(E) 31
7850 Enghien
Boulevard Emile Schevenels(L) 82
7860 Lessines
Active since 10 January 2001
Boulevard de Mons 6
7800 Ath
Active since 22 December 2009
Rue Haute(FB) 2
7911 Frasnes-lez-Anvaing
Active since 22 December 2009
Zinniksesteenweg 31
7850 Enghien
Active since 19 May 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
- 0473.630.907
- VAT number
- BE 0473.630.907
- Registered office
- Steenweg op Zinnik(E) 31, 7850 Enghien
- Names & denominations
- Agent de banque et d'assurances SILLE ET DENDRE
- Enterprise type
- Rechtspersoon
- Legal form
- Limited partnership
- Legal situation
- Normale toestand
- Start date
- 28 December 2000
- Peppol
- Not registered
- Activities · NACE
Agenten en makelaars in bankdiensten