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 47 % 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
FL Assurances from Leuze-en-Hainaut, company number BE0503903221, closed financial year 2025 with a result of € 154,628 after tax. For that financial year FL Assurances recorded a gross margin of € 251,463 and equity of € 748,758. Compared with financial year 2024, the result moved from € 135,442 to € 154,628. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 27, 2026.
€ 748,758
▼ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 154,628
▲ 14% vs 2024
Profit after tax over the fiscal year.
€ 129,275
▲ 36% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 260,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 16,346
▼ 3% 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.
€ 5,015
▼ 10% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 5,805
▲ € 5,054 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 42,353
▲ € 32,103 vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 158,821 | € 224,656 | € 234,406 | € 251,463 | ▲ 7% |
| Profit after taxes | € 87,699 | € 150,012 | € 135,442 | € 154,628 | ▲ 14% |
| Equity | € 781,031 | € 798,688 | € 854,130 | € 748,758 | ▼ 12% |
| Total debts | € 46,728 | € 156,922 | € 87,001 | € 292,608 | ▲ 236% |
| Cash | € 123,454 | € 240,680 | € 95,269 | € 129,275 | ▲ 36% |
| Land & buildings | € 54,594 | € 37,322 | € 20,051 | € 17,016 | ▼ 15% |
| Retained profit | € 714,416 | € 784,428 | € 839,870 | € 734,498 | ▼ 13% |
| Dividend | € 0 | € 80,000 | € 80,000 | € 260,000 | ▲ 225% |
| Balance sheet total | € 827,759 | € 955,611 | € 941,131 | € 1,041,366 | ▲ 11% |
Key figures of FL 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 FL Assurances?
What happened at FL 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 € 154,628 (▲ 14% vs 2024). Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Beloeil. KBO
- Frédéric Lecutier became a director. NBB
In short
From € 87,699 profit in 2022 to € 154,628 profit in 2025.
Paid € 220,943 in corporate taxes since 2022.
Best year ever: 2025, with € 154,628 profit.
Paid out € 420,000 in dividends to the owners in total.
Management
Behind FL Assurances is Frédéric Lecutier.
Directors
According to the 2025 annual accounts
Frédéric Lecutier
Manager
since 2013
Establishments
Establishment units
Physical locations of this company
Chemin de Malametz(L) 40
7900 Leuze-en-Hainaut
Rue Octave Battaille (Bas) 81
7971 Beloeil
Active since 31 January 2013
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Website info
Features
Details
- Company number
- 0503.903.221
- VAT number
- BE 0503.903.221
- Registered office
- Chemin de Malametz(L) 40, 7900 Leuze-en-Hainaut
- Names & denominations
- FL Assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 February 2013
- Peppol
- Not registered
- Contact
- flassurances.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars