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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Busy address KBO
53 other companies have their registered office at the same address; threshold 10.
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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
BELCOGEST ASSURANCES from Charleroi, company number BE0476288410, closed financial year 2025 with a result of € 101,744 after tax. For that financial year BELCOGEST ASSURANCES recorded revenue of € 902,713 and equity of € 248,405. Compared with financial year 2024, the result moved from € 147,487 to € 101,744. The company is profitable. 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 June 17, 2026.
€ 248,405
▲ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 101,744
▼ 31% vs 2024
Profit after tax over the fiscal year.
€ 105,774
▼ 6% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 65,000 paid out
64 % of the profit went to the shareholders, mostly to AMB MANAGEMENT (99 % of the shares). That is where the money ends up.
People and assets in 2025
€ 246,435
▲ 11% 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.
€ 74,232
▼ 25% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 68,040
▼ 26% vs 2024
€ 24,152 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 20,685
▲ 63% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 29,060
▼ 54% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 679,497 | € 776,870 | € 891,671 | € 902,713 | ▲ 1% |
| Gross margin | € 389,007 | € 395,353 | € 478,231 | € 474,465 | ▼ 1% |
| Profit after taxes | € 101,502 | € 91,918 | € 147,487 | € 101,744 | ▼ 31% |
| Equity | € 137,598 | € 152,366 | € 211,661 | € 248,405 | ▲ 17% |
| Total debts | € 211,100 | € 175,577 | € 297,445 | € 182,922 | ▼ 39% |
| Cash | € 29,074 | € 39,546 | € 112,416 | € 105,774 | ▼ 6% |
| Retained profit | € 75,598 | € 90,366 | € 143,461 | € 180,205 | ▲ 26% |
| Dividend | € 65,000 | € 77,150 | € 120,000 | € 65,000 | ▼ 46% |
| Bank debt | € 119,061 | € 59,512 | € 91,520 | € 68,040 | ▼ 26% |
| Balance sheet total | € 348,698 | € 327,943 | € 509,106 | € 431,327 | ▼ 15% |
Key figures of BELCOGEST ASSURANCES, 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 BELCOGEST ASSURANCES?
What happened at BELCOGEST ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- ARNAUD DELFORGE stepped down as director. NBB
- BENOIT DELFORGE stepped down as director. NBB
- RISLENE EN-NSEIRI stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 101,744 (▼ 31% vs 2024). Source: NBB ↗
- New establishment in Montigny-le-Tilleul. KBO
- ARNAUD DELFORGE became a director. NBB
- RISLENE EN-NSEIRI became a director. NBB
- BENOIT DELFORGE became a director. NBB
In short
From € 101,502 profit in 2022 to € 101,744 profit in 2025.
Paid € 230,528 in corporate taxes since 2022.
Best year ever: 2024, with € 147,487 profit.
Paid out € 327,150 in dividends to the owners in total.
Management
The stake of AMB MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BELCOGEST ASSURANCESThe shares are held by AMB MANAGEMENT (99%).
Directors
According to the 2025 annual accounts
ARNAUD DELFORGE
Director
since 2022 · until 2027
BENOIT DELFORGE
Managing director
Also active at: OTABEL ASSURANCES, ASSURANCES DELFORGE CAMBIER, SDS GROUPE ASSURANCES, AMB MANAGEMENT
since 2021 · until 2027
RISLENE EN-NSEIRI
Director
since 2021 · until 2027
Shareholders
99%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard Joseph Tirou 17 box B011
6000 Charleroi
Boulevard Joseph Tirou 139
6000 Charleroi
Active since 30 January 2002
Place des Combattants(GER) 4
6280 Gerpinnes
Active since 1 April 2014
Rue des Bouleaux 36
6110 Montigny-le-Tilleul
Active since 1 January 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 53 companies are registered at this address.
All companies at this address →Caisserie Jean Van Campenhout
HORY
€ 32,328 gross margin · 2025
Belcogest
€ -528 gross margin · 2025
AC STYLING
€ 87,924 gross margin · 2025
PEOPLE TRANSFERT SERVICES
€ 242,451 gross margin · 2024
+48 more
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
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
DNS
OVH DNS
Domain
Domain
belcogest.be
Registered
2003-01-20
Website info
Features
Security
Network
Details
- Company number
- 0476.288.410
- VAT number
- BE 0476.288.410
- Registered office
- Boulevard Joseph Tirou 17 bus B011, 6000 Charleroi
- Names & denominations
- BELCOGEST ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 2001
- Peppol
- Not registered
- Contact
- belcogest.be
- Activities · NACE
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