What does ASSURANCES BOUGARD-SUD do?

ASSURANCES BOUGARD-SUD is an insurance broker in Philippeville. Private Limited, started on 8 July 2015, 2 establishments.

What is the address of ASSURANCES BOUGARD-SUD?

The registered office of ASSURANCES BOUGARD-SUD is located at Rue de la Roche 13, 5600 Philippeville.

Is ASSURANCES BOUGARD-SUD still active?

Yes. According to the CBE (30 October 2026) ASSURANCES BOUGARD-SUD is active, legal situation “Normale toestand”, started on 8 July 2015.

Is ASSURANCES BOUGARD-SUD registered on Peppol?

Yes, ASSURANCES BOUGARD-SUD is registered on the Peppol network with ID 0208:0633654280.

What is the enterprise number of ASSURANCES BOUGARD-SUD?

The enterprise number of ASSURANCES BOUGARD-SUD is BE0633654280.

When was ASSURANCES BOUGARD-SUD founded?

ASSURANCES BOUGARD-SUD was founded on 8 July 2015.

Who are the directors of ASSURANCES BOUGARD-SUD?

According to the 2025 annual accounts, the directors of ASSURANCES BOUGARD-SUD are: PARGESFIN, Charles-Edouard DEMEURE, SOFIE, Patricia CHARLES.

Is ASSURANCES BOUGARD-SUD a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 8 July 2015; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account; 2 establishments in the CBE.

How much profit did ASSURANCES BOUGARD-SUD make in 2025?

ASSURANCES BOUGARD-SUD posted a profit after taxes of € 44,632 in financial year 2025.

What is the revenue of ASSURANCES BOUGARD-SUD?

As a small company, ASSURANCES BOUGARD-SUD is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 799,865.

How much does an employee at ASSURANCES BOUGARD-SUD earn?

The average wage cost per full-time employee at ASSURANCES BOUGARD-SUD was € 69,100 in 2025: staff costs of € 504,695 for 7.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does ASSURANCES BOUGARD-SUD have?

According to the 2025 annual accounts, ASSURANCES BOUGARD-SUD has 7.3 full-time equivalents (FTE).

ASSURANCES BOUGARD-SUD (Private Limited) - Philippeville

Dossier ASSURANCES BOUGARD-SUD, printed on 30 October 2026 from databakkes.be/en/0633654280/assurances-bougard-sud. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

ASSURANCES BOUGARD-SUD from Philippeville, company number BE0633654280, closed financial year 2025 with a result of € 44,632 after tax. For that financial year ASSURANCES BOUGARD-SUD recorded a gross margin of € 799,865 and equity of € 204,598. Compared with financial year 2024, the result moved from € -10,649 to € 44,632. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 23, 2026.

What it is worth Growing

€ 204,598

▲ 1% vs 2024

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

Profit Growing

€ 44,632

▲ still € 10,649 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 252,050

▲ 11% vs 2024

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

Where the profit goes Pays out

€ 42,500 paid out

95 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

7.3

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

Wage cost

€ 504,695

▲ 26% vs 2024

€ 69,100 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

€ 9,957

▼ 73% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 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.

€ 565,984

▼ 31% vs 2024

€ 88,820 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 7,568

▼ 67% vs 2024

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

Taxes and wages

€ 76,174

▲ 29% 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	€ 625,782 Gross margin 2022: € 625,782 First fiscal year in the series	€ 657,104 Gross margin 2023: € 657,104 ▲ 5% vs 2022 (€ 625,782) Favourable step	€ 679,458 Gross margin 2024: € 679,458 ▲ 3% vs 2023 (€ 657,104) Favourable step	€ 799,865 Gross margin 2025: € 799,865 ▲ 18% vs 2024 (€ 679,458) Favourable step	▲ 18%
Profit after taxes	€ -29,255 Profit after taxes 2022: € -29,255 First fiscal year in the series	€ -33,270 Profit after taxes 2023: € -33,270 ▼ € 4,016 vs 2022 (€ -29,255) Unfavourable step	€ -10,649 Profit after taxes 2024: € -10,649 ▲ € 22,621 vs 2023 (€ -33,270) Favourable step	€ 44,632 Profit after taxes 2025: € 44,632 ▲ € 55,281 vs 2024 (€ -10,649) Favourable step	▲ € 55,281
Equity	€ 280,385 Equity 2022: € 280,385 First fiscal year in the series	€ 247,115 Equity 2023: € 247,115 ▼ 12% vs 2022 (€ 280,385) Unfavourable step	€ 202,465 Equity 2024: € 202,465 ▼ 18% vs 2023 (€ 247,115) Unfavourable step	€ 204,598 Equity 2025: € 204,598 ▲ 1% vs 2024 (€ 202,465) Favourable step	▲ 1%
Total debts	€ 1,305,207 Total debts 2022: € 1,305,207 First fiscal year in the series	€ 1,045,656 Total debts 2023: € 1,045,656 ▼ 20% vs 2022 (€ 1,305,207) Favourable step	€ 951,392 Total debts 2024: € 951,392 ▼ 9% vs 2023 (€ 1,045,656) Favourable step	€ 698,677 Total debts 2025: € 698,677 ▼ 27% vs 2024 (€ 951,392) Favourable step	▼ 27%
Cash	€ 319,899 Cash 2022: € 319,899 First fiscal year in the series	€ 198,389 Cash 2023: € 198,389 ▼ 38% vs 2022 (€ 319,899) Unfavourable step	€ 226,557 Cash 2024: € 226,557 ▲ 14% vs 2023 (€ 198,389) Favourable step	€ 252,050 Cash 2025: € 252,050 ▲ 11% vs 2024 (€ 226,557) Favourable step	▲ 11%
Land & buildings	€ 171,263 Land & buildings 2022: € 171,263 First fiscal year in the series	€ 161,942 Land & buildings 2023: € 161,942 ▼ 5% vs 2022 (€ 171,263) Unchanged	€ 152,620 Land & buildings 2024: € 152,620 ▼ 6% vs 2023 (€ 161,942) Unchanged	€ 143,298 Land & buildings 2025: € 143,298 ▼ 6% vs 2024 (€ 152,620) Unchanged	▼ 6%
Retained profit	€ 80,385 Retained profit 2022: € 80,385 First fiscal year in the series	€ 47,115 Retained profit 2023: € 47,115 ▼ 41% vs 2022 (€ 80,385) Unfavourable step	€ 2,465 Retained profit 2024: € 2,465 ▼ 95% vs 2023 (€ 47,115) Unfavourable step	€ 4,598 Retained profit 2025: € 4,598 ▲ 86% vs 2024 (€ 2,465) Favourable step	▲ 86%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 34,000 Dividend 2024: € 34,000 Unchanged (€ 0) Unchanged	€ 42,500 Dividend 2025: € 42,500 ▲ 25% vs 2024 (€ 34,000) Unchanged	▲ 25%
Bank debt	€ 1,239,121 Bank debt 2022: € 1,239,121 First fiscal year in the series	€ 966,028 Bank debt 2023: € 966,028 ▼ 22% vs 2022 (€ 1,239,121) Favourable step	€ 822,693 Bank debt 2024: € 822,693 ▼ 15% vs 2023 (€ 966,028) Favourable step	€ 565,984 Bank debt 2025: € 565,984 ▼ 31% vs 2024 (€ 822,693) Favourable step	▼ 31%
Balance sheet total	€ 1,585,592 Balance sheet total 2022: € 1,585,592 First fiscal year in the series	€ 1,292,771 Balance sheet total 2023: € 1,292,771 ▼ 18% vs 2022 (€ 1,585,592) Unchanged	€ 1,153,858 Balance sheet total 2024: € 1,153,858 ▼ 11% vs 2023 (€ 1,292,771) Unchanged	€ 903,275 Balance sheet total 2025: € 903,275 ▼ 22% vs 2024 (€ 1,153,858) Unchanged	▼ 22%
Employees (FTE)	7 Employees (FTE) 2022: 7 First fiscal year in the series	7.3 Employees (FTE) 2023: 7.3 ▲ 0.3 vs 2022 (7) Unchanged	7.3 Employees (FTE) 2024: 7.3 Unchanged (7.3) Unchanged	7.3 Employees (FTE) 2025: 7.3 Unchanged (7.3) Unchanged

Key figures of ASSURANCES BOUGARD-SUD, 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 BOUGARD-SUD?

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

Sep 23, 2026 New annual accounts for financial year 2025: profit of € 44,632. filed late Source: NBB ↗
2023 Charles-Edouard DEMEURE became a director. NBB
2023 SOFIE became a director. NBB
2023 Patricia CHARLES became a director. NBB
Mar 28, 2022 New establishment in Ham-sur-Heure-Nalinnes. KBO
Jul 8, 2015 New establishment in Philippeville. KBO
Jul 8, 2015 Start of the company according to the CBE. KBO

In short

From € 29,255 loss in 2022 to € 44,632 profit in 2025.

Paid € 43,153 in corporate taxes since 2022.

Best year ever: 2025, with € 44,632 profit.

On average € 109,600 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

PARGESFIN SRL 25%

VANDERBECQ &CO SRL 15%

S.F. SERVICES 7.5%

The stake of S.F. SERVICES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

ASSURANCES BOUGARD-SUD

Behind ASSURANCES BOUGARD-SUD are PARGESFIN, Charles-Edouard DEMEURE, SOFIE and Patricia CHARLES. The shares are held by PARGESFIN SRL (25%), VANDERBECQ &CO SRL (15%) and S.F. SERVICES (7.5%).

Directors

According to the 2025 annual accounts

PARGESFIN

Director · represented by François LIESSE

Also active at: Assurances, Gestion et Conseils, BOUGARD- LA LOUVIERE, HECQ - ASSUR, BRICOLIGHT, ETABLISSEMENTS ALEXANDRE ET CO, PASSION IMMOBILIERE, IB CONSULT, FUN INCENTIVE +2 more

Charles-Edouard DEMEURE

Director

since 2023

SOFIE

Director · represented by Sophie CAMBIER

Also active at: Assurances Bougard, Assurances, Gestion et Conseils, BOUGARD- LA LOUVIERE, HECQ - ASSUR, ALTRE CAMI

since 2023

Patricia CHARLES

Director

since 2023

Shareholders

PARGESFIN SRL

25%

VANDERBECQ &CO SRL

15%

S.F. SERVICES

7.5%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de la Roche 13

5600 Philippeville

2.331.503.975

Rue de Philippeville(NAL) 23

6120 Ham-sur-Heure-Nalinnes

Active since 28 March 2022

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 →

Groupe BOUGARD

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

Details

Company number: 0633.654.280
VAT number: BE 0633.654.280
Registered office: Rue de la Roche 13, 5600 Philippeville
Names & denominations: ASSURANCES BOUGARD-SUD
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 8 July 2015
Peppol: Active · Active since 7 Jan 2026
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗

ASSURANCES BOUGARD-SUD

Financials

What happened to ASSURANCES BOUGARD-SUD?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions