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 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Protection - Patrimoine - Prévoyance from Nivelles, company number BE0695445755, closed financial year 2025 with a result of € 27,561 after tax. For that financial year Protection - Patrimoine - Prévoyance recorded a gross margin of € 253,678 and equity of € 83,132. Compared with financial year 2024, the result moved from € 28,910 to € 27,561. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 83,132
▲ 50% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 27,561
▼ 5% vs 2024
Profit after tax over the fiscal year.
€ 41
▼ € 20,563 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 € 76,932.
People and assets in 2025
2.5
Average over the fiscal year, from the social balance sheet.
€ 166,336
▲ 84% vs 2024
€ 66,500 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.
€ 30,930
▲ € 29,755 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 150,760
▼ 1% vs 2024
€ 35,802 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1,947
▼ 62% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 44,611
▲ 274% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 165,422 | € 133,402 | € 166,091 | € 253,678 | ▲ 53% |
| Profit after taxes | € 30,460 | € -10,727 | € 28,910 | € 27,561 | ▼ 5% |
| Equity | € 49,787 | € 39,061 | € 55,571 | € 83,132 | ▲ 50% |
| Total debts | € 277,716 | € 249,644 | € 212,200 | € 197,319 | ▼ 7% |
| Cash | € 8,080 | € 43 | € 20,604 | € 41 | ▼ € 20,563 |
| Retained profit | € 31,187 | € 20,461 | € 49,371 | € 76,932 | ▲ 56% |
| Bank debt | € 193,963 | € 183,255 | € 152,067 | € 150,760 | ▼ 1% |
| Balance sheet total | € 327,503 | € 288,705 | € 267,771 | € 280,451 | ▲ 5% |
| Employees (FTE) | 1.8 | 2.1 | - | 2.5 |
Key figures of Protection - Patrimoine - Prévoyance, 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 Protection - Patrimoine - Prévoyance?
What happened at Protection - Patrimoine - Prévoyance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 27,561 (▼ 5% vs 2024). Source: NBB ↗
- SAMPOUX BUSINESS ACTIVITES SRL stepped down as director. NBB
- MOBIPHAR S.C.S. stepped down as director. NBB
- NICO PACK CONSULT SRL became a director. NBB
- Michaël BODENGHIEN became a director. NBB
- SABLIERE CONSULT SRL became a director. NBB
- SAMPOUX BUSINESS ACTIVITES SRL became a director. NBB
- MOBIPHAR S.C.S. became a director. NBB
In short
From € 30,460 profit in 2022 to € 27,561 profit in 2025.
Paid € 33,858 in corporate taxes since 2022.
Best year ever: 2022, with € 30,460 profit.
On average € 101,500 of value added per employee in 2025.
Management
The stake of Sablière Consult, NICO PACK CONSULT, SAMPOUX BUSINESS ACTIVITIES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Protection - Patrimoine - PrévoyanceBehind Protection - Patrimoine - Prévoyance are NICO PACK CONSULT SRL, Michaël BODENGHIEN and SABLIERE CONSULT SRL. The shares are held by Sablière Consult (25%), NICO PACK CONSULT (24.7%) and SAMPOUX BUSINESS ACTIVITIES (24.7%).
Directors
According to the 2025 annual accounts
since 2022
Michaël BODENGHIEN
Director
since 2022
since 2022
since 2022 · until 2026
since 2022 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard de La Dodaine 50 box 1
1400 Nivelles
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Network
Details
- Company number
- 0695.445.755
- VAT number
- BE 0695.445.755
- Registered office
- Boulevard de La Dodaine 50 bus 1, 1400 Nivelles
- Names & denominations
- Protection - Patrimoine - Prévoyance · PCUBE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 April 2018
- Peppol
- Active · Active since 7 Aug 2026
- Contact
- pcube.be [email protected]
- Activities · NACE
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