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 2 % 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
Insurance Participations Company from Brussel, company number BE0726527822, closed financial year 2025 with a result of € 6.7 million after tax. For that financial year Insurance Participations Company recorded a gross margin of € -16,544 and equity of € 40.6 million. Compared with financial year 2024, the result moved from € 2.3 million to € 6.7 million. Profitable, and profit is growing. 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 July 2, 2026.
€ 40.6 million
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6.7 million
▲ 191% vs 2024
Profit after tax over the fiscal year.
€ 53,136
▼ 74% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 2.9 million paid out
44 % of the profit went to the shareholders, the rest stayed in the company.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 16,003
▲ 59% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -35,448 | € -17,409 | € -43,715 | € -16,544 | ▲ € 27,171 |
| Profit after taxes | € 1,458,219 | € 1,628,073 | € 2,296,565 | € 6,673,297 | ▲ 191% |
| Equity | € 33,148,392 | € 34,776,465 | € 36,828,831 | € 40,574,127 | ▲ 10% |
| Total debts | € 7,937,591 | € 6,154,374 | € 3,862,193 | € 2,954,003 | ▼ 24% |
| Cash | € 255,370 | € 221,726 | € 204,651 | € 53,136 | ▼ 74% |
| Retained profit | € 32,375,540 | € 34,003,614 | € 36,055,979 | € 39,801,275 | ▲ 10% |
| Dividend | € 0 | € 0 | € 244,200 | € 2,928,000 | ▲ € 2.7 million |
| Bank debt | € 7,797,073 | € 6,042,073 | € 3,540,073 | € 0 | ▼ 100% |
| Balance sheet total | € 41,085,983 | € 40,930,839 | € 40,691,024 | € 43,528,130 | ▲ 7% |
Key figures of Insurance Participations Company, 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 Insurance Participations Company?
What happened at Insurance Participations Company in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Axelle LAURENT JOSI stepped down as director. NBB
- Jean Nicolas LAURENT JOSI stepped down as director. NBB
- Christophe DELEVAL stepped down as director. NBB
- Xavier DELEVAL stepped down as director. NBB
- Janine JOSI stepped down as director. NBB
- Jean-Louis LAURENT-JOSI stepped down as director. NBB
- Jean-Marie LAURENT-JOSI stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 6.7 million (▲ 191% vs 2024). Source: NBB ↗
In short
From € 1.5 million profit in 2022 to € 6.7 million profit in 2025.
Paid € 7,155 in corporate taxes since 2022.
Best year ever: 2025, with € 6.7 million profit.
Paid out € 3.2 million in dividends to the owners in total.
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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 shares are held by CAXADEL (33.3%) and KALADRIC (33.3%). It owns 81.8% of Groupe Josi SA itself.
Directors
According to the 2025 annual accounts
Axelle LAURENT JOSI
Director
since 2024 · until 2027
Jean Nicolas LAURENT JOSI
Director
since 2024 · until 2027
Christophe DELEVAL
Director
since 2024 · until 2027
Janine JOSI
Director
since 2024 · until 2027
Jean-Louis LAURENT-JOSI
Director
since 2024 · until 2027
Jean-Marie LAURENT-JOSI
Chairman of the board
since 2024 · until 2027
Participations
81.8%
Establishments
Establishment units
Physical locations of this company
Koloniënstraat 11
1000 Brussel
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0726.527.822
- VAT number
- BE 0726.527.822
- Registered office
- Koloniënstraat 11, 1000 Brussel
- Names & denominations
- Insurance Participations Company
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 7 May 2019
- Peppol
- Not registered