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 54 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
AVL ASSURANCES from Oreye, company number BE0687840361, closed financial year 2024 with a result of € 60,164 after tax. For that financial year AVL ASSURANCES recorded a gross margin of € 85,208 and equity of € 390,329. Compared with financial year 2023, the result moved from € 59,533 to € 60,164. Profitable, and profit is growing. 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 November 28, 2025.
€ 390,329
▲ 18% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 60,164
▲ 1% vs 2023
Profit after tax over the fiscal year.
€ 4,945
▼ 6% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 384,129.
Debts at end 2024
€ 188,992
▼ 24% vs 2023
€ 58,633 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 3,976
▼ 39% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 12,937
▲ 114% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 82,959 | € 75,190 | € 85,116 | € 85,208 | |
| Profit after taxes | € 62,272 | € 44,172 | € 59,533 | € 60,164 | ▲ 1% |
| Equity | € 226,461 | € 270,632 | € 330,165 | € 390,329 | ▲ 18% |
| Total debts | € 379,003 | € 326,895 | € 316,029 | € 211,163 | ▼ 33% |
| Cash | € 10,722 | € 13,293 | € 5,243 | € 4,945 | ▼ 6% |
| Retained profit | € 220,261 | € 264,432 | € 323,965 | € 384,129 | ▲ 19% |
| Bank debt | € 360,533 | € 305,431 | € 248,190 | € 188,992 | ▼ 24% |
| Balance sheet total | € 605,464 | € 597,527 | € 646,194 | € 601,492 | ▼ 7% |
Key figures of AVL ASSURANCES, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to AVL ASSURANCES?
What happened at AVL ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 60,164 (▲ 1% vs 2023). filed late Source: NBB ↗
- New establishment in Awans. KBO
- Start of the company according to the CBE. KBO
In short
From € 62,272 profit in 2021 to € 60,164 profit in 2024.
Paid € 63,246 in corporate taxes since 2021.
Best year ever: 2021, with € 62,272 profit.
Management
Behind AVL ASSURANCES is Vanessa Bertola. It owns 97% of BERTOLA ASSURANCES itself.
Directors
According to the 2024 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue du Tilleul 8
4360 Oreye
Rue Chaussée 51 box A2
4342 Awans
Active since 11 January 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0687.840.361
- VAT number
- BE 0687.840.361
- Registered office
- Rue du Tilleul 8, 4360 Oreye
- Names & denominations
- AVL ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 January 2018
- Peppol
- Active · Active since 20 Mar 2026
- Contact
- [email protected]