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 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.
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| 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.
A new publication or filing at Protection - Patrimoine - Prévoyance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
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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