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 21 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Assurances BRAGARD & WERY from Thimister-Clermont, company number BE0544314312, closed financial year 2025 with a result of € 57,887 after tax. For that financial year Assurances BRAGARD & WERY recorded a gross margin of € 273,133 and equity of € 1,000. Compared with financial year 2024, the result moved from € 96,448 to € 57,887. The company is profitable. 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 July 1, 2026.
€ 1,000
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 57,887
▼ 40% vs 2024
Profit after tax over the fiscal year.
€ 9,231
▼ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 57,887 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 160,116
▲ 100% 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.
€ 24,503
▼ 7% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3,283
▼ 12% vs 2024
Loans from banks and other lenders, long and short.
€ 10,463
▲ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,181
▲ 69% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 196,033 | € 231,113 | € 238,961 | € 273,133 | ▲ 14% |
| Profit after taxes | € 41,660 | € 58,220 | € 96,448 | € 57,887 | ▼ 40% |
| Equity | € 1,000 | € 1,000 | € 1,000 | € 1,000 | |
| Total debts | € 203,405 | € 133,473 | € 166,110 | € 173,648 | ▲ 5% |
| Cash | € 26,764 | € 32,426 | € 25,875 | € 9,231 | ▼ 64% |
| Land & buildings | € 56,672 | € 52,559 | € 61,868 | € 70,398 | ▲ 14% |
| Dividend | € 41,660 | € 58,220 | € 96,448 | € 57,887 | ▼ 40% |
| Bank debt | € 46,898 | € 24,692 | € 3,719 | € 3,283 | ▼ 12% |
| Balance sheet total | € 204,405 | € 134,473 | € 167,110 | € 174,648 | ▲ 5% |
Key figures of Assurances BRAGARD & WERY, 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 Assurances BRAGARD & WERY?
What happened at Assurances BRAGARD & WERY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 57,887 (▼ 40% vs 2024). Source: NBB ↗
- New establishment in Thimister-Clermont. KBO
- Start of the company according to the CBE. KBO
In short
From € 41,660 profit in 2022 to € 57,887 profit in 2025.
Paid € 86,526 in corporate taxes since 2022.
Best year ever: 2024, with € 96,448 profit.
Paid out € 254,215 in dividends to the owners in total.
A new publication or filing at Assurances BRAGARD & WERY? 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
Behind Assurances BRAGARD & WERY are Marc Bragard and Julie Wery.
Directors
According to the 2025 annual accounts
Marc Bragard
Director
Julie Wery
Director
Establishments
Establishment units
Physical locations of this company
Centre 53
4890 Thimister-Clermont
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0544.314.312
- VAT number
- BE 0544.314.312
- Registered office
- Centre 53, 4890 Thimister-Clermont
- Names & denominations
- Assurances BRAGARD & WERY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 January 2014
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars