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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
H&R Assurances from Esneux, company number BE0699768589, closed financial year 2025 with a result of € -4,871 after tax. For that financial year H&R Assurances recorded a gross margin of € 121,389 and equity of € 245,744. Compared with financial year 2024, the result moved from € 49,325 to € -4,871. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 18, 2026.
€ 245,744
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,871
▼ still € 49,325 profit in 2024
Profit after tax over the fiscal year.
€ 128,147
▼ 45% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 239,544.
People and assets in 2025
€ 292
▲ 98% 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.
€ 40,522
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 918,857
▲ 74% vs 2024
€ 95,850 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 34,027
▼ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,022
▼ 45% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 157,406 | € 182,635 | € 160,791 | € 121,389 | ▼ 25% |
| Profit after taxes | € 13,323 | € 67,765 | € 49,325 | € -4,871 | ▼ € 54,197 |
| Equity | € 133,525 | € 201,290 | € 250,616 | € 245,744 | ▼ 2% |
| Total debts | € 660,446 | € 689,853 | € 635,003 | € 991,907 | ▲ 56% |
| Cash | € 185,636 | € 204,879 | € 232,332 | € 128,147 | ▼ 45% |
| Land & buildings | € 284,083 | € 285,290 | € 272,659 | € 885,382 | ▲ 225% |
| Retained profit | € 127,325 | € 195,090 | € 244,416 | € 239,544 | ▼ 2% |
| Bank debt | € 576,051 | € 592,768 | € 527,369 | € 918,857 | ▲ 74% |
| Balance sheet total | € 793,971 | € 891,144 | € 885,619 | € 1,237,652 | ▲ 40% |
Key figures of H&R 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 H&R Assurances?
What happened at H&R Assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4,871 (▼ € 54,197 vs 2024). filed late Source: NBB ↗
- New establishment in Esneux. KBO
- Start of the company according to the CBE. KBO
In short
From € 13,323 profit in 2022 to € 4,871 loss in 2025.
Paid € 96,587 in corporate taxes since 2022.
Best year ever: 2023, with € 67,765 profit.
Establishments
Establishment units
Physical locations of this company
Rue du Vieux Bois 21
4130 Esneux
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0699.768.589
- VAT number
- BE 0699.768.589
- Registered office
- Rue du Vieux Bois 21, 4130 Esneux
- Names & denominations
- H&R Assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 July 2018
- Peppol
- Not registered