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 30 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INVEST ASSUR from Soignies, company number BE0677482444, closed financial year 2025 with a result of € 68,557 after tax. For that financial year INVEST ASSUR recorded a gross margin of € 315,511 and equity of € 65,849. Compared with financial year 2024, the result moved from € 89,609 to € 68,557. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ 65,849
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 68,557
▼ 23% vs 2024
Profit after tax over the fiscal year.
€ 180,758
▼ 23% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 65,000 paid out
95 % of the profit went to the shareholders, mostly to FINANCES et COURTAGE P.M. (50 % of the shares). That is where the money ends up.
People and assets in 2025
€ 160,646
▲ 33% 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.
€ 2,039
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 156,240
▼ 32% vs 2024
€ 73,005 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 26,803
▼ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,162
▼ 39% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 184,275 | € 363,633 | € 304,959 | € 315,511 | ▲ 3% |
| Profit after taxes | € -8,757 | € 130,390 | € 89,609 | € 68,557 | ▼ 23% |
| Equity | € -72,708 | € 57,683 | € 62,292 | € 65,849 | ▲ 6% |
| Total debts | € 413,744 | € 318,420 | € 384,359 | € 932,705 | ▲ 143% |
| Cash | € 6,175 | € 99,369 | € 233,738 | € 180,758 | ▼ 23% |
| Retained profit | € -97,788 | € 32,603 | € 37,212 | € 40,769 | ▲ 10% |
| Dividend | € 0 | € 0 | € 85,000 | € 65,000 | ▼ 24% |
| Bank debt | € 324,332 | € 265,245 | € 230,451 | € 156,240 | ▼ 32% |
| Balance sheet total | € 341,036 | € 376,103 | € 446,651 | € 998,554 | ▲ 124% |
| Employees (FTE) | 2.8 | 2.8 | 2.4 | - |
Key figures of INVEST ASSUR, 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 INVEST ASSUR?
What happened at INVEST ASSUR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 68,557 (▼ 23% vs 2024). filed late Source: NBB ↗
- FINANCES ET COURTAGE SRL became a director. NBB
- JEAN MAROT became a director. NBB
- SF SERVICES SRL became a director. NBB
- New establishment in Soignies. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,757 loss in 2022 to € 68,557 profit in 2025.
Paid € 75,837 in corporate taxes since 2022.
Best year ever: 2023, with € 130,390 profit.
On average € 127,100 of value added per employee in 2024.
Management
The stake of FINANCES et COURTAGE P.M., CLP MANAGEMENT, S.F. SERVICES, HUGUES VANDERBECQ, FINANCES ET COURTAGE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
INVEST ASSURBehind INVEST ASSUR are FINANCES ET COURTAGE SRL, MARC-OLIVIER RAYMOND, JEAN MAROT and SF SERVICES SRL. The shares are held by FINANCES et COURTAGE P.M. (50%), CLP MANAGEMENT (32%), S.F. SERVICES (25.8%), HUGUES VANDERBECQ (8.3%) and FINANCES ET COURTAGE.
Directors
According to the 2025 annual accounts
since 2024
since 2024
Director · represented by RAYMOND MARC-OLIVIER
Also active at: Assurances, Gestion et Conseils, BOUGARD- LA LOUVIERE, RAYMOND VANDERBECQ
since 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Place Verte 16
7060 Soignies
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
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Details
- Company number
- 0677.482.444
- VAT number
- BE 0677.482.444
- Registered office
- Place Verte 16, 7060 Soignies
- Names & denominations
- INVEST ASSUR
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 June 2017
- Peppol
- Active · Active since 15 Jan 2026
- Contact
- investassur.be
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