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 31 % of short-term debt in 2025; threshold 65 %.
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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
Wapi Assurances from Tournai, company number BE0695701024, closed financial year 2025 with a result of € 143,056 after tax. For that financial year Wapi Assurances recorded a gross margin of € 204,190 and equity of € 746,609. Compared with financial year 2024, the result moved from € 232,422 to € 143,056. The company is profitable. 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 August 17, 2026.
€ 746,609
▲ 24% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 143,056
▼ 38% vs 2024
Profit after tax over the fiscal year.
€ 37,086
▼ 39% 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 € 728,009.
People and assets in 2025
€ 5,006
▲ € 4,769 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 277,265
▼ 26% vs 2024
€ 107,057 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 1,245
▲ € 1,110 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,273
▲ 5% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 167,026 | € 181,718 | € 195,308 | € 204,190 | ▲ 5% |
| Profit after taxes | € 115,986 | € 123,510 | € 232,422 | € 143,056 | ▼ 38% |
| Equity | € 347,621 | € 371,131 | € 603,553 | € 746,609 | ▲ 24% |
| Total debts | € 748,739 | € 699,249 | € 459,077 | € 307,016 | ▼ 33% |
| Cash | € 93,435 | € 67,091 | € 61,098 | € 37,086 | ▼ 39% |
| Retained profit | € 329,021 | € 352,531 | € 584,953 | € 728,009 | ▲ 24% |
| Dividend | € 0 | € 100,000 | € 0 | € 0 | |
| Bank debt | € 577,529 | € 477,760 | € 376,420 | € 277,265 | ▼ 26% |
| Balance sheet total | € 1,096,361 | € 1,070,380 | € 1,062,630 | € 1,053,625 | ▼ 1% |
Key figures of Wapi Assurances, 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 Wapi Assurances?
What happened at Wapi Assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 143,056 (▼ 38% vs 2024). filed late Source: NBB ↗
- New establishment in Tournai. KBO
- PATRICE TERRIER became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 115,986 profit in 2022 to € 143,056 profit in 2025.
Paid € 178,584 in corporate taxes since 2022.
Best year ever: 2024, with € 232,422 profit.
Paid out € 100,000 in dividends to the owners in total.
A new publication or filing at Wapi Assurances? 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
Behind Wapi Assurances is PATRICE TERRIER. It owns 100% of TERRIER KEPPERS itself.
Directors
According to the 2025 annual accounts
since 2018
Establishments
Establishment units
Physical locations of this company
Rue d'Ormont(K) 59
7540 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
DNS
Cloudflare DNS
Website info
Features
Security
Network
Details
- Company number
- 0695.701.024
- VAT number
- BE 0695.701.024
- Registered office
- Rue d'Ormont(K) 59, 7540 Tournai
- Names & denominations
- Wapi Assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 May 2018
- Peppol
- Not registered
- Contact
- wapinsurance.be
- Activities · NACE
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