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 64 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
LWL ASSURANCES from Stavelot, company number BE0479852367, closed financial year 2025 with a result of € 1.1 million after tax. For that financial year LWL ASSURANCES recorded a gross margin of € 2.1 million and equity of € 288,349. Compared with financial year 2024, the result moved from € 1.1 million to € 1.1 million. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 19, 2026.
€ 288,349
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.1 million
▲ 3% vs 2024
Profit after tax over the fiscal year.
€ 160,143
▲ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1.2 million paid out
100 % of the profit went to the shareholders, mostly to S. GALLE MANAGEMENT (50 % of the shares). That is where the money ends up.
People and assets in 2025
12.1
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 731,070
▲ 18% vs 2024
€ 60,400 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.
€ 259,270
▲ 59% vs 2024
Of which on lease € 26,064.
Debts at end 2025
€ 186,475
▼ 38% vs 2024
€ 149,826 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 4,206
▲ 26% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 112,647
▲ 20% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,131,331 | € 1,380,704 | € 1,739,115 | € 2,083,940 | ▲ 20% |
| Profit after taxes | € 608,889 | € 737,528 | € 1,106,478 | € 1,145,007 | ▲ 3% |
| Equity | € 148,837 | € 148,864 | € 293,342 | € 288,349 | ▼ 2% |
| Total debts | € 1,206,208 | € 1,147,090 | € 1,098,568 | € 1,767,137 | ▲ 61% |
| Cash | € 103,732 | € 110,955 | € 144,902 | € 160,143 | ▲ 11% |
| Retained profit | € 107,303 | € 107,330 | € 251,808 | € 246,815 | ▼ 2% |
| Dividend | € 608,000 | € 737,500 | € 962,000 | € 1,150,000 | ▲ 20% |
| Bank debt | € 572,731 | € 438,379 | € 301,328 | € 186,475 | ▼ 38% |
| Balance sheet total | € 1,355,045 | € 1,295,955 | € 1,391,910 | € 2,055,486 | ▲ 48% |
| Employees (FTE) | 8.5 | 9.8 | 11.4 | 12.1 | ▲ 0.7 |
Key figures of LWL 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 LWL ASSURANCES?
What happened at LWL ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1.1 million (▲ 3% vs 2024). filed late Source: NBB ↗
- New establishment in Lierneux. KBO
- New establishment in Stavelot. KBO
- Start of the company according to the CBE. KBO
In short
From € 608,889 profit in 2022 to € 1.1 million profit in 2025.
Paid € 56,971 in corporate taxes since 2022.
Best year ever: 2025, with € 1.1 million profit.
On average € 172,200 of value added per employee in 2025.
Management
The stake of S. GALLE MANAGEMENT, S.LEMAIRE MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
LWL ASSURANCESBehind LWL ASSURANCES are S. GALLE MANAGEMENT SRL and S. LEMAIRE MANAGEMENT SRL. The shares are held by S. GALLE MANAGEMENT (50%) and S.LEMAIRE MANAGEMENT (50%).
Directors
According to the 2025 annual accounts
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Route de Malmedy 13 box B
4970 Stavelot
Route de Malmedy 13B
4970 Stavelot
Active since 13 May 2003
Rue du Centre 27
4990 Lierneux
Active since 1 January 2024
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0479.852.367
- VAT number
- BE 0479.852.367
- Registered office
- Route de Malmedy 13 bus B, 4970 Stavelot
- Names & denominations
- LWL ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 March 2003
- Peppol
- Active · Active since 4 Feb 2026
- Contact
- lwlassurances.be
- Activities · NACE
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