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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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
JP4 INSURANCE from Kortenberg, company number BE0678752352, closed financial year 2025 with a result of € 12,239 after tax. For that financial year JP4 INSURANCE recorded a gross margin of € 16,869 and equity of € -27,312. Compared with financial year 2024, the result moved from € 5,773 to € 12,239. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ -27,312
▲ € 12,239 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,239
▲ 112% vs 2024
Profit after tax over the fiscal year.
€ 89,387
▲ 25% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -45,912.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 9,942
▼ 12% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 62,038
▼ 18% vs 2024
€ 12,038 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -17,166 | € -34,742 | € 11,204 | € 16,869 | ▲ 51% |
| Profit after taxes | € -42,615 | € -60,461 | € 5,773 | € 12,239 | ▲ 112% |
| Equity | € 15,137 | € -45,324 | € -39,551 | € -27,312 | ▲ € 12,239 |
| Total debts | € 125,236 | € 135,896 | € 129,770 | € 135,180 | ▲ 4% |
| Cash | € 100,358 | € 64,448 | € 71,549 | € 89,387 | ▲ 25% |
| Retained profit | € -3,463 | € -63,924 | € -58,151 | € -45,912 | ▲ € 12,239 |
| Bank debt | € 51,321 | € 88,459 | € 75,507 | € 62,038 | ▼ 18% |
| Balance sheet total | € 140,373 | € 90,572 | € 90,219 | € 107,868 | ▲ 20% |
Key figures of JP4 INSURANCE, 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 JP4 INSURANCE?
What happened at JP4 INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 12,239 (▲ 112% vs 2024). Source: NBB ↗
- New establishment in Overijse. KBO
- JEAN PENASSE became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 42,615 loss in 2022 to € 12,239 profit in 2025.
Paid € 1,061 in corporate taxes since 2022.
Best year ever: 2025, with € 12,239 profit.
Management
Behind JP4 INSURANCE is JEAN PENASSE. JEAN PENASSE is also behind LIFE-HIT.
Directors
According to the 2025 annual accounts
since 2017
Establishments
Establishment units
Physical locations of this company
Leuvensesteenweg 94 box 201
3070 Kortenberg
Sint-Annastraat 103
3090 Overijse
Active since 20 July 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0678.752.352
- VAT number
- BE 0678.752.352
- Registered office
- Leuvensesteenweg 94 bus 201, 3070 Kortenberg
- Names & denominations
- JP4 INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 July 2017
- Peppol
- Not registered