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 43 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LIFE & FINANCE BROKERAGE from Silly, company number BE0479638373, closed financial year 2025 with a result of € 18,005 after tax. For that financial year LIFE & FINANCE BROKERAGE recorded a gross margin of € 385,887 and equity of € 73,699. Compared with financial year 2024, the result moved from € 6,185 to € 18,005. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 18, 2026.
€ 73,699
▲ 32% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 18,005
▲ 191% vs 2024
Profit after tax over the fiscal year.
€ 51,306
▲ 5% 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 € 61,099.
People and assets in 2025
5.3
▼ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 278,969
▼ 3% vs 2024
€ 52,600 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.
€ 14,578
▼ 28% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 465,720
▲ 25% vs 2024
€ 61,758 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 36,262
▲ 78% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 36,890
▲ 38% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 301,352 | € 322,757 | € 405,808 | € 385,887 | ▼ 5% |
| Profit after taxes | € 2,958 | € 2,707 | € 6,185 | € 18,005 | ▲ 191% |
| Equity | € 46,802 | € 49,509 | € 55,694 | € 73,699 | ▲ 32% |
| Total debts | € 578,400 | € 602,441 | € 479,567 | € 701,457 | ▲ 46% |
| Cash | € 35,377 | € 38,433 | € 48,984 | € 51,306 | ▲ 5% |
| Land & buildings | € 505,119 | € 544,040 | € 417,024 | € 620,126 | ▲ 49% |
| Retained profit | € 34,202 | € 36,909 | € 43,094 | € 61,099 | ▲ 42% |
| Bank debt | € 426,121 | € 391,449 | € 373,966 | € 465,720 | ▲ 25% |
| Balance sheet total | € 625,202 | € 651,950 | € 535,261 | € 775,156 | ▲ 45% |
| Employees (FTE) | 4.8 | 5.2 | 5.8 | 5.3 | ▼ 0.5 |
Key figures of LIFE & FINANCE BROKERAGE, 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 LIFE & FINANCE BROKERAGE?
What happened at LIFE & FINANCE BROKERAGE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 18,005 (▲ 191% vs 2024). Source: NBB ↗
- New establishment in Ottignies-Louvain-la-Neuve. KBO
- New establishment in Silly. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,958 profit in 2022 to € 18,005 profit in 2025.
Paid € 28,304 in corporate taxes since 2022.
Best year ever: 2025, with € 18,005 profit.
On average € 72,800 of value added per employee in 2025.
A new publication or filing at LIFE & FINANCE BROKERAGE? We notify you, reason included.
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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
The stake of LIFE & FINANCE MANAGEMENT, LIFE & FINANCE CONSULT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LIFE & FINANCE BROKERAGEBehind LIFE & FINANCE BROKERAGE are Jean Philippe Marchant, Philippe De Jaeger, Pascal Delatte and Pierre De Keyser. The shares are held by LIFE & FINANCE MANAGEMENT (24.4%) and LIFE & FINANCE CONSULT (21%).
Directors
According to the 2025 annual accounts
Jean Philippe Marchant
Director
Philippe De Jaeger
Director
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Place de Hoves(Hoves) 15
7830 Silly
Rue des Fusillés 1
1340 Ottignies-Louvain-la-Neuve
Active since 1 January 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Details
- Company number
- 0479.638.373
- VAT number
- BE 0479.638.373
- Registered office
- Place de Hoves(Hoves) 15, 7830 Silly
- Names & denominations
- LIFE & FINANCE BROKERAGE · L.F.B.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 February 2003
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars