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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Tight liquidity NBB
Cash and receivables cover 63 % of short-term debt in 2025; threshold 65 %.
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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
JP MARTEL ASSUR from Enghien, company number BE0479217909, closed financial year 2025 with a result of € 5,837 after tax. For that financial year JP MARTEL ASSUR recorded a gross margin of € 17,932 and equity of € 33,921. Compared with financial year 2024, the result moved from € 3,973 to € 5,837. 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 August 27, 2026.
€ 33,921
▲ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 5,837
▲ 47% vs 2024
Profit after tax over the fiscal year.
€ 8
▼ 87% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 27,721.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 644
▼ 58% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 5,951
▲ 102% vs 2024
Loans from banks and other lenders, long and short.
€ 1,665
▼ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,739
▲ 89% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 8,882 | € 22,255 | € 11,121 | € 17,932 | ▲ 61% |
| Profit after taxes | € 2,966 | € 13,283 | € 3,973 | € 5,837 | ▲ 47% |
| Equity | € 10,829 | € 24,112 | € 28,085 | € 33,921 | ▲ 21% |
| Total debts | € 29,389 | € 16,203 | € 12,198 | € 18,355 | ▲ 50% |
| Cash | € 70 | € 16 | € 62 | € 8 | ▼ 87% |
| Retained profit | € 4,629 | € 17,912 | € 21,885 | € 27,721 | ▲ 27% |
| Bank debt | € 13,938 | € 3,641 | € 2,941 | € 5,951 | ▲ 102% |
| Balance sheet total | € 43,195 | € 43,292 | € 43,260 | € 55,254 | ▲ 28% |
Key figures of JP MARTEL ASSUR, 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 JP MARTEL ASSUR?
What happened at JP MARTEL ASSUR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 5,837 (▲ 47% vs 2024). filed late Source: NBB ↗
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,966 profit in 2022 to € 5,837 profit in 2025.
Paid € 15,151 in corporate taxes since 2022.
Best year ever: 2023, with € 13,283 profit.
Management
Behind JP MARTEL ASSUR is Joel MARTEL.
Directors
According to the 2025 annual accounts
Joel MARTEL
Director
Establishments
Establishment units
Physical locations of this company
Coqjanstraat(P.E.) 119
7850 Enghien
Rue Saint Jean 5
6041 Charleroi
Active since 7 January 2003
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0479.217.909
- VAT number
- BE 0479.217.909
- Registered office
- Coqjanstraat(P.E.) 119, 7850 Enghien
- Names & denominations
- JP MARTEL ASSUR
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 January 2003
- Peppol
- Not registered