What does ASSURANCES DELFORGE CAMBIER do?

ASSURANCES DELFORGE CAMBIER is an insurance broker in Couvin. Private Limited, started on 23 May 2018, 1 establishment.

What is the address of ASSURANCES DELFORGE CAMBIER?

The registered office of ASSURANCES DELFORGE CAMBIER is located at Place Marie-de-Hongrie, Mar. 23, 5660 Couvin.

Is ASSURANCES DELFORGE CAMBIER still active?

Yes. According to the CBE (30 October 2026) ASSURANCES DELFORGE CAMBIER is active, legal situation “Normale toestand”, started on 23 May 2018.

Is ASSURANCES DELFORGE CAMBIER registered on Peppol?

No, ASSURANCES DELFORGE CAMBIER is currently not registered on the Peppol network.

What is the enterprise number of ASSURANCES DELFORGE CAMBIER?

The enterprise number of ASSURANCES DELFORGE CAMBIER is BE0696724967.

When was ASSURANCES DELFORGE CAMBIER founded?

ASSURANCES DELFORGE CAMBIER was founded on 23 May 2018.

Who are the directors of ASSURANCES DELFORGE CAMBIER?

According to the 2025 annual accounts, the directors of ASSURANCES DELFORGE CAMBIER are: Benoit Delforge, Pierre-Hugues Cambier.

Is ASSURANCES DELFORGE CAMBIER a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 May 2018; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did ASSURANCES DELFORGE CAMBIER make in 2025?

ASSURANCES DELFORGE CAMBIER recorded a loss after taxes of € 144,231 in financial year 2025.

What is the revenue of ASSURANCES DELFORGE CAMBIER?

As a small company, ASSURANCES DELFORGE CAMBIER is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 306,524.

ASSURANCES DELFORGE CAMBIER (Private Limited) - Couvin

Dossier ASSURANCES DELFORGE CAMBIER, printed on 30 October 2026 from databakkes.be/en/0696724967/assurances-delforge-cambier. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Negative equity NBB

More debt than assets in 4 of the last 4 fiscal years.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

ASSURANCES DELFORGE CAMBIER from Couvin, company number BE0696724967, closed financial year 2025 with a result of € -144,231 after tax. For that financial year ASSURANCES DELFORGE CAMBIER recorded a gross margin of € 306,524 and equity of € -410,757. Compared with financial year 2024, the result moved from € 20,224 to € -144,231. The company made a loss. 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 August 25, 2026.

What it is worth Caution

€ -410,757

▼ € 144,231 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -144,231

▼ still € 20,224 profit in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 47,215

▲ 287% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -460,757.

People and assets in 2025

Wage cost

€ 71,392

▼ 13% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Debts at end 2025

Bank debt ≈ 6 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 737,471

▼ 14% vs 2024

€ 124,409 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Taxes and wages

€ 97,007

▲ 14% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 302,904 Gross margin 2022: € 302,904 First fiscal year in the series	€ 347,369 Gross margin 2023: € 347,369 ▲ 15% vs 2022 (€ 302,904) Favourable step	€ 552,524 Gross margin 2024: € 552,524 ▲ 59% vs 2023 (€ 347,369) Favourable step	€ 306,524 Gross margin 2025: € 306,524 ▼ 45% vs 2024 (€ 552,524) Unfavourable step	▼ 45%
Profit after taxes	€ -228,191 Profit after taxes 2022: € -228,191 First fiscal year in the series	€ -178,009 Profit after taxes 2023: € -178,009 ▲ € 50,182 vs 2022 (€ -228,191) Favourable step	€ 20,224 Profit after taxes 2024: € 20,224 ▲ € 198,233 vs 2023 (€ -178,009) Favourable step	€ -144,231 Profit after taxes 2025: € -144,231 ▼ € 164,455 vs 2024 (€ 20,224) Unfavourable step	▼ € 164,455
Equity	€ -108,784 Equity 2022: € -108,784 First fiscal year in the series	€ -286,794 Equity 2023: € -286,794 ▼ € 178,009 vs 2022 (€ -108,784) Unfavourable step	€ -266,525 Equity 2024: € -266,525 ▲ € 20,268 vs 2023 (€ -286,794) Favourable step	€ -410,757 Equity 2025: € -410,757 ▼ € 144,231 vs 2024 (€ -266,525) Unfavourable step	▼ € 144,231
Total debts	€ 1,446,711 Total debts 2022: € 1,446,711 First fiscal year in the series	€ 1,303,246 Total debts 2023: € 1,303,246 ▼ 10% vs 2022 (€ 1,446,711) Favourable step	€ 959,664 Total debts 2024: € 959,664 ▼ 26% vs 2023 (€ 1,303,246) Favourable step	€ 843,415 Total debts 2025: € 843,415 ▼ 12% vs 2024 (€ 959,664) Favourable step	▼ 12%
Cash	€ 23,944 Cash 2022: € 23,944 First fiscal year in the series	€ 6,111 Cash 2023: € 6,111 ▼ 74% vs 2022 (€ 23,944) Unfavourable step	€ 12,200 Cash 2024: € 12,200 ▲ 100% vs 2023 (€ 6,111) Favourable step	€ 47,215 Cash 2025: € 47,215 ▲ 287% vs 2024 (€ 12,200) Favourable step	▲ 287%
Land & buildings	€ 282,890 Land & buildings 2022: € 282,890 First fiscal year in the series	€ 273,119 Land & buildings 2023: € 273,119 ▼ 3% vs 2022 (€ 282,890) Unchanged	€ 248,278 Land & buildings 2024: € 248,278 ▼ 9% vs 2023 (€ 273,119) Unchanged	€ 231,661 Land & buildings 2025: € 231,661 ▼ 7% vs 2024 (€ 248,278) Unchanged	▼ 7%
Retained profit	€ -158,784 Retained profit 2022: € -158,784 First fiscal year in the series	€ -336,794 Retained profit 2023: € -336,794 ▼ € 178,009 vs 2022 (€ -158,784) Unfavourable step	€ -316,525 Retained profit 2024: € -316,525 ▲ € 20,268 vs 2023 (€ -336,794) Favourable step	€ -460,757 Retained profit 2025: € -460,757 ▼ € 144,231 vs 2024 (€ -316,525) Unfavourable step	▼ € 144,231
Bank debt	€ 1,356,822 Bank debt 2022: € 1,356,822 First fiscal year in the series	€ 1,193,135 Bank debt 2023: € 1,193,135 ▼ 12% vs 2022 (€ 1,356,822) Favourable step	€ 861,880 Bank debt 2024: € 861,880 ▼ 28% vs 2023 (€ 1,193,135) Favourable step	€ 737,471 Bank debt 2025: € 737,471 ▼ 14% vs 2024 (€ 861,880) Favourable step	▼ 14%
Balance sheet total	€ 1,339,045 Balance sheet total 2022: € 1,339,045 First fiscal year in the series	€ 1,017,570 Balance sheet total 2023: € 1,017,570 ▼ 24% vs 2022 (€ 1,339,045) Unchanged	€ 694,257 Balance sheet total 2024: € 694,257 ▼ 32% vs 2023 (€ 1,017,570) Unchanged	€ 433,776 Balance sheet total 2025: € 433,776 ▼ 38% vs 2024 (€ 694,257) Unchanged	▼ 38%

Key figures of ASSURANCES DELFORGE CAMBIER, 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 ASSURANCES DELFORGE CAMBIER?

What happened at ASSURANCES DELFORGE CAMBIER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 25, 2026 New annual accounts for financial year 2025: loss of € 144,231 (▼ € 164,455 vs 2024). filed late Source: NBB ↗
May 23, 2018 New establishment in Couvin. KBO
2018 Benoit Delforge became a director. NBB
2018 Pierre-Hugues Cambier became a director. NBB
May 23, 2018 Start of the company according to the CBE. KBO

In short

From € 228,191 loss in 2022 to € 144,231 loss in 2025.

Paid € 235,171 in corporate taxes since 2022.

Best year ever: 2024, with € 20,224 profit.

Original PDFs at the National Bank ↗

Management

Benoit Delforge Pierre-Hugues Cambier

BELCOGEST ASSURANCES

OTABEL ASSURANCES

ASSURANCES DELFORGE CAMBIER

JBHL Assurance - Consultance

Behind ASSURANCES DELFORGE CAMBIER are Benoit Delforge and Pierre-Hugues Cambier. Benoit Delforge is also behind BELCOGEST ASSURANCES, OTABEL ASSURANCES, SDS GROUPE ASSURANCES and AMB MANAGEMENT. Pierre-Hugues Cambier is also behind JBHL Assurance - Consultance.

Directors

According to the 2025 annual accounts

Benoit Delforge

Director

Also active at: BELCOGEST ASSURANCES, OTABEL ASSURANCES, SDS GROUPE ASSURANCES, AMB MANAGEMENT

since 2018

Pierre-Hugues Cambier

Director

Also active at: JBHL Assurance - Consultance

since 2018

Establishments

Establishment units

Physical locations of this company

Registered office

Place Marie-de-Hongrie, Mar. 23

5660 Couvin

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0696.724.967
VAT number: BE 0696.724.967
Registered office: Place Marie-de-Hongrie, Mar. 23, 5660 Couvin
Names & denominations: ASSURANCES DELFORGE CAMBIER
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 23 May 2018
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗