What does BRAND-ASSURANCES do?

BRAND-ASSURANCES is an insurance broker in Binche. Private Limited, started on 22 March 2013, 1 establishment.

What is the address of BRAND-ASSURANCES?

The registered office of BRAND-ASSURANCES is located at Avenue Wanderpepen(BIN) 49, 7130 Binche.

Is BRAND-ASSURANCES still active?

Yes. According to the CBE (30 October 2026) BRAND-ASSURANCES is active, legal situation “Normale toestand”, started on 22 March 2013.

Is BRAND-ASSURANCES registered on Peppol?

Yes, BRAND-ASSURANCES is registered on the Peppol network with ID 0208:0524754657.

What is the enterprise number of BRAND-ASSURANCES?

The enterprise number of BRAND-ASSURANCES is BE0524754657.

When was BRAND-ASSURANCES founded?

BRAND-ASSURANCES was founded on 22 March 2013.

Who are the directors of BRAND-ASSURANCES?

According to the 2025 annual accounts, the directors of BRAND-ASSURANCES are: Sebastien CURNEL, Laurent Dekeyzer.

Is BRAND-ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 March 2013; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did BRAND-ASSURANCES make in 2025?

BRAND-ASSURANCES recorded a loss after taxes of € 18,736 in financial year 2025.

What is the revenue of BRAND-ASSURANCES?

As a small company, BRAND-ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 97,632.

How much does an employee at BRAND-ASSURANCES earn?

The average wage cost per full-time employee at BRAND-ASSURANCES was € 43,900 in 2025: staff costs of € 87,771 for 2 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does BRAND-ASSURANCES have?

According to the 2025 annual accounts, BRAND-ASSURANCES has 2 full-time equivalents (FTE).

Does BRAND-ASSURANCES have a website?

Yes, BRAND-ASSURANCES has a website at brand-assurances.be.

BRAND-ASSURANCES (Private Limited) - Binche

Dossier BRAND-ASSURANCES, printed on 30 October 2026 from databakkes.be/en/0524754657/brand-assurances. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

BRAND-ASSURANCES from Binche, company number BE0524754657, closed financial year 2025 with a result of € -18,736 after tax. For that financial year BRAND-ASSURANCES recorded a gross margin of € 97,632 and equity of € 33,237. Compared with financial year 2024, the result moved from € -10,637 to € -18,736. The company made a loss. 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 September 16, 2026.

What it is worth Healthy

€ 33,237

▼ 36% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -18,736

▼ 76 % more loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 33,636

▲ € 30,288 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 27,036.

People and assets in 2025

Full-time equivalents

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 87,771

▲ 77% vs 2024

€ 43,900 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.

Vehicles and equipment

€ 43,588

▼ 25% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 7 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 213,936

▲ € 162,464 vs 2024

€ 30,797 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.

Owed to suppliers

€ 34,538

▲ 44% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 13,823

▼ 39% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 31,082 Gross margin 2022: € 31,082 First fiscal year in the series	€ 75,976 Gross margin 2023: € 75,976 ▲ 144% vs 2022 (€ 31,082) Favourable step	€ 115,279 Gross margin 2024: € 115,279 ▲ 52% vs 2023 (€ 75,976) Favourable step	€ 97,632 Gross margin 2025: € 97,632 ▼ 15% vs 2024 (€ 115,279) Unfavourable step	▼ 15%
Profit after taxes	€ 12,782 Profit after taxes 2022: € 12,782 First fiscal year in the series	€ 33,610 Profit after taxes 2023: € 33,610 ▲ 163% vs 2022 (€ 12,782) Favourable step	€ -10,637 Profit after taxes 2024: € -10,637 ▼ € 44,246 vs 2023 (€ 33,610) Unfavourable step	€ -18,736 Profit after taxes 2025: € -18,736 ▼ € 8,100 vs 2024 (€ -10,637) Unfavourable step	▼ € 8,100
Equity	€ 29,000 Equity 2022: € 29,000 First fiscal year in the series	€ 62,610 Equity 2023: € 62,610 ▲ 116% vs 2022 (€ 29,000) Favourable step	€ 51,973 Equity 2024: € 51,973 ▼ 17% vs 2023 (€ 62,610) Unfavourable step	€ 33,237 Equity 2025: € 33,237 ▼ 36% vs 2024 (€ 51,973) Unfavourable step	▼ 36%
Total debts	€ 23,211 Total debts 2022: € 23,211 First fiscal year in the series	€ 108,526 Total debts 2023: € 108,526 ▲ € 85,315 vs 2022 (€ 23,211) Unfavourable step	€ 101,178 Total debts 2024: € 101,178 ▼ 7% vs 2023 (€ 108,526) Favourable step	€ 351,472 Total debts 2025: € 351,472 ▲ 247% vs 2024 (€ 101,178) Unfavourable step	▲ 247%
Cash	€ 11,811 Cash 2022: € 11,811 First fiscal year in the series	€ 4,798 Cash 2023: € 4,798 ▼ 59% vs 2022 (€ 11,811) Unfavourable step	€ 3,348 Cash 2024: € 3,348 ▼ 30% vs 2023 (€ 4,798) Unfavourable step	€ 33,636 Cash 2025: € 33,636 ▲ € 30,288 vs 2024 (€ 3,348) Favourable step	▲ € 30,288
Retained profit	€ 22,799 Retained profit 2022: € 22,799 First fiscal year in the series	€ 56,409 Retained profit 2023: € 56,409 ▲ 147% vs 2022 (€ 22,799) Favourable step	€ 45,772 Retained profit 2024: € 45,772 ▼ 19% vs 2023 (€ 56,409) Unfavourable step	€ 27,036 Retained profit 2025: € 27,036 ▼ 41% vs 2024 (€ 45,772) Unfavourable step	▼ 41%
Bank debt	€ 0 Bank debt 2022: € 0 First fiscal year in the series	€ 67,000 Bank debt 2023: € 67,000 Unchanged (€ 0) Unfavourable step	€ 51,472 Bank debt 2024: € 51,472 ▼ 23% vs 2023 (€ 67,000) Favourable step	€ 213,936 Bank debt 2025: € 213,936 ▲ € 162,464 vs 2024 (€ 51,472) Unfavourable step	▲ € 162,464
Balance sheet total	€ 52,211 Balance sheet total 2022: € 52,211 First fiscal year in the series	€ 171,136 Balance sheet total 2023: € 171,136 ▲ 228% vs 2022 (€ 52,211) Unchanged	€ 153,151 Balance sheet total 2024: € 153,151 ▼ 11% vs 2023 (€ 171,136) Unchanged	€ 384,709 Balance sheet total 2025: € 384,709 ▲ 151% vs 2024 (€ 153,151) Unchanged	▲ 151%
Employees (FTE)	-	-	-	2 Employees (FTE) 2025: 2 First fiscal year in the series

Key figures of BRAND-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 BRAND-ASSURANCES?

What happened at BRAND-ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 16, 2026 New annual accounts for financial year 2025: loss of € 18,736. filed late Source: NBB ↗
Mar 22, 2013 New establishment in Binche. KBO
Mar 22, 2013 Start of the company according to the CBE. KBO

In short

From € 12,782 profit in 2022 to € 18,736 loss in 2025.

Paid € 31,982 in corporate taxes since 2022.

Best year ever: 2023, with € 33,610 profit.

On average € 48,800 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Sebastien CURNEL Laurent Dekeyzer

BRAND-ASSURANCES

Behind BRAND-ASSURANCES are Sebastien CURNEL and Laurent Dekeyzer.

Directors

According to the 2025 annual accounts

Sebastien CURNEL

Director

Laurent Dekeyzer

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Avenue Wanderpepen(BIN) 49

7130 Binche

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Website

HTTPS brand-assurances.be

Technologies

BootstrapContact Form 7Font AwesomeGoogle FontsGravity FormsOwl CarouselPHPWPBakeryWPMLWooCommerceWordPressjQueryreCAPTCHA

Certifications & Partners

FSMA

Hosting & Email

Email provider

Microsoft 365

Hosting

OVH, FR

DNS

OVH DNS

Website info

HTTPS Ja

Languages FR

Features

Webshop Blog Contact page

Security

✓ HTTPS

✓ SPF

✓ DMARC

Network

✓ IPv6

Details

Company number: 0524.754.657
VAT number: BE 0524.754.657
Registered office: Avenue Wanderpepen(BIN) 49, 7130 Binche
Names & denominations: BRAND-ASSURANCES
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 22 March 2013
Peppol: Active · Active since 17 Dec 2025
Contact: brand-assurances.be
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗