What does JA ASSURANCES do?

JA ASSURANCES is an insurance broker in Philippeville. Private Limited, started on 20 September 2018, 1 establishment.

What is the address of JA ASSURANCES?

The registered office of JA ASSURANCES is located at Rue de la Bowe(ROL) 41, 5600 Philippeville.

Is JA ASSURANCES still active?

Yes. According to the CBE (30 October 2026) JA ASSURANCES is active, legal situation “Normale toestand”, started on 20 September 2018.

Is JA ASSURANCES registered on Peppol?

Yes, JA ASSURANCES is registered on the Peppol network with ID 0208:0704831197.

What is the enterprise number of JA ASSURANCES?

The enterprise number of JA ASSURANCES is BE0704831197.

When was JA ASSURANCES founded?

JA ASSURANCES was founded on 20 September 2018.

Who are the directors of JA ASSURANCES?

According to the 2025 annual accounts, the directors of JA ASSURANCES are: Clémentine Paganotto, Julien Andreatta.

Is JA ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 20 September 2018; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did JA ASSURANCES make in 2025?

JA ASSURANCES recorded a loss after taxes of € 19,122 in financial year 2025.

What is the revenue of JA ASSURANCES?

As a small company, JA ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 174,164.

JA ASSURANCES (Private Limited) - Philippeville

Dossier JA ASSURANCES, printed on 30 October 2026 from databakkes.be/en/0704831197/ja-assurances. 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.

Tight liquidity NBB

Cash and receivables cover 42 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

JA ASSURANCES from Philippeville, company number BE0704831197, closed financial year 2025 with a result of € -19,122 after tax. For that financial year JA ASSURANCES recorded a gross margin of € 174,164 and equity of € 50,586. Compared with financial year 2024, the result moved from € 14,805 to € -19,122. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.

What it is worth Healthy

€ 50,586

▼ 27% vs 2024

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

Loss Caution

€ -19,122

▼ still € 14,805 profit in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 0

▼ € 5,000 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 € 31,986.

People and assets in 2025

Wage cost

€ 66,687

▲ 33% 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.

Vehicles and equipment

€ 20,237

▼ 32% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 9 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.

€ 683,708

▼ 9% vs 2024

€ 75,918 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.

Owed to suppliers

€ 46,323

▲ 85% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 25,129

▲ 29% 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	€ 172,939 Gross margin 2022: € 172,939 First fiscal year in the series	€ 181,586 Gross margin 2023: € 181,586 ▲ 5% vs 2022 (€ 172,939) Favourable step	€ 204,720 Gross margin 2024: € 204,720 ▲ 13% vs 2023 (€ 181,586) Favourable step	€ 174,164 Gross margin 2025: € 174,164 ▼ 15% vs 2024 (€ 204,720) Unfavourable step	▼ 15%
Profit after taxes	€ 27,733 Profit after taxes 2022: € 27,733 First fiscal year in the series	€ 6,145 Profit after taxes 2023: € 6,145 ▼ 78% vs 2022 (€ 27,733) Unfavourable step	€ 14,805 Profit after taxes 2024: € 14,805 ▲ 141% vs 2023 (€ 6,145) Favourable step	€ -19,122 Profit after taxes 2025: € -19,122 ▼ € 33,927 vs 2024 (€ 14,805) Unfavourable step	▼ € 33,927
Equity	€ 48,756 Equity 2022: € 48,756 First fiscal year in the series	€ 54,902 Equity 2023: € 54,902 ▲ 13% vs 2022 (€ 48,756) Favourable step	€ 69,707 Equity 2024: € 69,707 ▲ 27% vs 2023 (€ 54,902) Favourable step	€ 50,586 Equity 2025: € 50,586 ▼ 27% vs 2024 (€ 69,707) Unfavourable step	▼ 27%
Total debts	€ 492,084 Total debts 2022: € 492,084 First fiscal year in the series	€ 859,299 Total debts 2023: € 859,299 ▲ 75% vs 2022 (€ 492,084) Unfavourable step	€ 799,822 Total debts 2024: € 799,822 ▼ 7% vs 2023 (€ 859,299) Favourable step	€ 760,448 Total debts 2025: € 760,448 ▼ 5% vs 2024 (€ 799,822) Favourable step	▼ 5%
Cash	€ 22,740 Cash 2022: € 22,740 First fiscal year in the series	€ 0 Cash 2023: € 0 ▼ 100% vs 2022 (€ 22,740) Unfavourable step	€ 5,000 Cash 2024: € 5,000 Unchanged (€ 0) Favourable step	€ 0 Cash 2025: € 0 ▼ € 5,000 vs 2024 (€ 5,000) Unfavourable step	▼ € 5,000
Land & buildings	€ 360,616 Land & buildings 2022: € 360,616 First fiscal year in the series	€ 762,265 Land & buildings 2023: € 762,265 ▲ 111% vs 2022 (€ 360,616) Unchanged	€ 716,314 Land & buildings 2024: € 716,314 ▼ 6% vs 2023 (€ 762,265) Unchanged	€ 678,215 Land & buildings 2025: € 678,215 ▼ 5% vs 2024 (€ 716,314) Unchanged	▼ 5%
Retained profit	€ 30,156 Retained profit 2022: € 30,156 First fiscal year in the series	€ 36,181 Retained profit 2023: € 36,181 ▲ 20% vs 2022 (€ 30,156) Favourable step	€ 51,107 Retained profit 2024: € 51,107 ▲ 41% vs 2023 (€ 36,181) Favourable step	€ 31,986 Retained profit 2025: € 31,986 ▼ 37% vs 2024 (€ 51,107) Unfavourable step	▼ 37%
Bank debt	€ 465,074 Bank debt 2022: € 465,074 First fiscal year in the series	€ 793,046 Bank debt 2023: € 793,046 ▲ 71% vs 2022 (€ 465,074) Unfavourable step	€ 753,257 Bank debt 2024: € 753,257 ▼ 5% vs 2023 (€ 793,046) Favourable step	€ 683,708 Bank debt 2025: € 683,708 ▼ 9% vs 2024 (€ 753,257) Favourable step	▼ 9%
Balance sheet total	€ 540,840 Balance sheet total 2022: € 540,840 First fiscal year in the series	€ 914,200 Balance sheet total 2023: € 914,200 ▲ 69% vs 2022 (€ 540,840) Unchanged	€ 869,529 Balance sheet total 2024: € 869,529 ▼ 5% vs 2023 (€ 914,200) Unchanged	€ 811,033 Balance sheet total 2025: € 811,033 ▼ 7% vs 2024 (€ 869,529) Unchanged	▼ 7%

Key figures of JA 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 JA ASSURANCES?

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

Aug 28, 2026 New annual accounts for financial year 2025: loss of € 19,122 (▼ € 33,927 vs 2024). filed late Source: NBB ↗
Sep 20, 2018 New establishment in Sambreville. KBO
Sep 20, 2018 Start of the company according to the CBE. KBO

In short

From € 27,733 profit in 2022 to € 19,122 loss in 2025.

Paid € 21,381 in corporate taxes since 2022.

Best year ever: 2022, with € 27,733 profit.

Original PDFs at the National Bank ↗

Management

Clémentine Paganotto Julien Andreatta

JA ASSURANCES

Behind JA ASSURANCES are Clémentine Paganotto and Julien Andreatta.

Directors

According to the 2025 annual accounts

Clémentine Paganotto

Director

Julien Andreatta

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de la Bowe(ROL) 41

5600 Philippeville

2.280.156.036

Rue Saint Sang(AUV) 70

5060 Sambreville

Active since 20 September 2018

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

Details

Company number

0704.831.197

VAT number

BE 0704.831.197

Registered office

Rue de la Bowe(ROL) 41, 5600 Philippeville

Names & denominations

JA ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

20 September 2018

Peppol

Active · Active since 20 Nov 2020

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

View on CBE Public ↗ Annual accounts (NBB) ↗

JA ASSURANCES

Warning lights

Financials

What happened to JA ASSURANCES?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions