What does BARDIAU ASSURANCES do?

BARDIAU ASSURANCES is an insurance broker in Manage. Private Limited, started on 27 July 2015, 1 establishment.

What is the address of BARDIAU ASSURANCES?

The registered office of BARDIAU ASSURANCES is located at Rue Léon Debelle 36, 7170 Manage.

Is BARDIAU ASSURANCES still active?

Yes. According to the CBE (31 October 2026) BARDIAU ASSURANCES is active, legal situation “Normale toestand”, started on 27 July 2015.

Is BARDIAU ASSURANCES registered on Peppol?

No, BARDIAU ASSURANCES is currently not registered on the Peppol network.

What is the enterprise number of BARDIAU ASSURANCES?

The enterprise number of BARDIAU ASSURANCES is BE0634645759.

When was BARDIAU ASSURANCES founded?

BARDIAU ASSURANCES was founded on 27 July 2015.

Who are the directors of BARDIAU ASSURANCES?

According to the 2025 annual accounts, the directors of BARDIAU ASSURANCES are: Christophe BARDIAU.

Is BARDIAU ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 27 July 2015; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did BARDIAU ASSURANCES make in 2025?

BARDIAU ASSURANCES posted a profit after taxes of € 22,927 in financial year 2025.

What is the revenue of BARDIAU ASSURANCES?

As a small company, BARDIAU ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 258,424.

BARDIAU ASSURANCES (Private Limited) - Manage

Dossier BARDIAU ASSURANCES, printed on 31 October 2026 from databakkes.be/en/0634645759/bardiau-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.

Tight liquidity NBB

Cash and receivables cover 18 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

BARDIAU ASSURANCES from Manage, company number BE0634645759, closed financial year 2025 with a result of € 22,927 after tax. For that financial year BARDIAU ASSURANCES recorded a gross margin of € 258,424 and equity of € 108,702. Compared with financial year 2024, the result moved from € 73,385 to € 22,927. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 26, 2026.

What it is worth Growing

€ 108,702

▲ 27% vs 2024

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

Profit Healthy

€ 22,927

▼ 69% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 13,695

▼ 75% vs 2024

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

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 103,702.

People and assets in 2025

Wage cost

€ 87,208

▲ 23% 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.

Vehicles and equipment

€ 2,174

▼ 12% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 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.

€ 163,211

▼ 20% vs 2024

€ 32,401 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 10,438

▲ 5% vs 2024

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

Taxes and wages

€ 11,454

▼ 64% 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	€ 346,570 Gross margin 2022: € 346,570 First fiscal year in the series	€ 341,733 Gross margin 2023: € 341,733 ▼ 1% vs 2022 (€ 346,570) Unfavourable step	€ 314,997 Gross margin 2024: € 314,997 ▼ 8% vs 2023 (€ 341,733) Unfavourable step	€ 258,424 Gross margin 2025: € 258,424 ▼ 18% vs 2024 (€ 314,997) Unfavourable step	▼ 18%
Profit after taxes	€ 80,736 Profit after taxes 2022: € 80,736 First fiscal year in the series	€ 61,983 Profit after taxes 2023: € 61,983 ▼ 23% vs 2022 (€ 80,736) Unfavourable step	€ 73,385 Profit after taxes 2024: € 73,385 ▲ 18% vs 2023 (€ 61,983) Favourable step	€ 22,927 Profit after taxes 2025: € 22,927 ▼ 69% vs 2024 (€ 73,385) Unfavourable step	▼ 69%
Equity	€ 56,919 Equity 2022: € 56,919 First fiscal year in the series	€ 56,919 Equity 2023: € 56,919 Unchanged (€ 56,919) Unchanged	€ 85,775 Equity 2024: € 85,775 ▲ 51% vs 2023 (€ 56,919) Favourable step	€ 108,702 Equity 2025: € 108,702 ▲ 27% vs 2024 (€ 85,775) Favourable step	▲ 27%
Total debts	€ 419,460 Total debts 2022: € 419,460 First fiscal year in the series	€ 358,057 Total debts 2023: € 358,057 ▼ 15% vs 2022 (€ 419,460) Favourable step	€ 292,555 Total debts 2024: € 292,555 ▼ 18% vs 2023 (€ 358,057) Favourable step	€ 197,918 Total debts 2025: € 197,918 ▼ 32% vs 2024 (€ 292,555) Favourable step	▼ 32%
Cash	€ 62,051 Cash 2022: € 62,051 First fiscal year in the series	€ 45,815 Cash 2023: € 45,815 ▼ 26% vs 2022 (€ 62,051) Unfavourable step	€ 55,423 Cash 2024: € 55,423 ▲ 21% vs 2023 (€ 45,815) Favourable step	€ 13,695 Cash 2025: € 13,695 ▼ 75% vs 2024 (€ 55,423) Unfavourable step	▼ 75%
Land & buildings	€ 322,719 Land & buildings 2022: € 322,719 First fiscal year in the series	€ 331,578 Land & buildings 2023: € 331,578 ▲ 3% vs 2022 (€ 322,719) Unchanged	€ 325,167 Land & buildings 2024: € 325,167 ▼ 2% vs 2023 (€ 331,578) Unchanged	€ 303,231 Land & buildings 2025: € 303,231 ▼ 7% vs 2024 (€ 325,167) Unchanged	▼ 7%
Retained profit	€ 51,919 Retained profit 2022: € 51,919 First fiscal year in the series	€ 51,919 Retained profit 2023: € 51,919 Unchanged (€ 51,919) Unchanged	€ 80,775 Retained profit 2024: € 80,775 ▲ 56% vs 2023 (€ 51,919) Favourable step	€ 103,702 Retained profit 2025: € 103,702 ▲ 28% vs 2024 (€ 80,775) Favourable step	▲ 28%
Dividend	€ 77,016 Dividend 2022: € 77,016 First fiscal year in the series	€ 61,983 Dividend 2023: € 61,983 ▼ 20% vs 2022 (€ 77,016) Unchanged	€ 44,529 Dividend 2024: € 44,529 ▼ 28% vs 2023 (€ 61,983) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 44,529) Unchanged	▼ 100%
Bank debt	€ 270,706 Bank debt 2022: € 270,706 First fiscal year in the series	€ 237,550 Bank debt 2023: € 237,550 ▼ 12% vs 2022 (€ 270,706) Favourable step	€ 203,701 Bank debt 2024: € 203,701 ▼ 14% vs 2023 (€ 237,550) Favourable step	€ 163,211 Bank debt 2025: € 163,211 ▼ 20% vs 2024 (€ 203,701) Favourable step	▼ 20%
Balance sheet total	€ 712,046 Balance sheet total 2022: € 712,046 First fiscal year in the series	€ 627,055 Balance sheet total 2023: € 627,055 ▼ 12% vs 2022 (€ 712,046) Unchanged	€ 564,678 Balance sheet total 2024: € 564,678 ▼ 10% vs 2023 (€ 627,055) Unchanged	€ 467,235 Balance sheet total 2025: € 467,235 ▼ 17% vs 2024 (€ 564,678) Unchanged	▼ 17%

Key figures of BARDIAU 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 BARDIAU ASSURANCES?

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

Jun 26, 2026 New annual accounts for financial year 2025: profit of € 22,927 (▼ 69% vs 2024). Source: NBB ↗
2020 Christophe BARDIAU became a director. NBB
Jul 27, 2015 New establishment in Manage. KBO
Jul 27, 2015 Start of the company according to the CBE. KBO

In short

From € 80,736 profit in 2022 to € 22,927 profit in 2025.

Paid € 162,001 in corporate taxes since 2022.

Best year ever: 2022, with € 80,736 profit.

Paid out € 183,528 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Christophe BARDIAU

BARDIAU ASSURANCES

BC 2.0

Behind BARDIAU ASSURANCES is Christophe BARDIAU. Christophe BARDIAU is also behind BC 2.0.

Directors

According to the 2025 annual accounts

Christophe BARDIAU

Director

Also active at: BC 2.0

since 2020

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Léon Debelle 36

7170 Manage

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

Details

Company number: 0634.645.759
VAT number: BE 0634.645.759
Registered office: Rue Léon Debelle 36, 7170 Manage
Names & denominations: BARDIAU ASSURANCES
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 27 July 2015
Peppol: Not registered
Contact: [email protected]
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗