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 22 % 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
NEW INSURANCE & CREDIT EXPERIENCE from Schaarbeek, company number BE0736429047, closed financial year 2025 with a result of € 10,748 after tax. For that financial year NEW INSURANCE & CREDIT EXPERIENCE recorded a gross margin of € 285,969 and equity of € 75,824. Compared with financial year 2024, the result moved from € -5,183 to € 10,748. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ 75,824
▲ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 10,748
▲ still € 5,183 loss in 2024
Profit after tax over the fiscal year.
€ 7,818
▼ 7% 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 € 70,824.
People and assets in 2025
€ 81,809
▲ 4% 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.
€ 246,346
▲ 70% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 762,239
▲ 6% vs 2024
€ 80,675 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 3,867
▼ 54% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 29,877
▲ 85% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 51,636 | € 98,771 | € 195,518 | € 285,969 | ▲ 46% |
| Profit after taxes | € 8,049 | € 5,130 | € -5,183 | € 10,748 | ▲ € 15,931 |
| Equity | € 65,129 | € 70,260 | € 65,076 | € 75,824 | ▲ 17% |
| Total debts | € 683,929 | € 742,348 | € 745,947 | € 801,292 | ▲ 7% |
| Cash | € 5,219 | € 19,229 | € 8,397 | € 7,818 | ▼ 7% |
| Land & buildings | € 578,407 | € 517,136 | € 474,666 | € 448,053 | ▼ 6% |
| Retained profit | € 60,129 | € 65,260 | € 60,076 | € 70,824 | ▲ 18% |
| Bank debt | € 636,303 | € 728,498 | € 721,146 | € 762,239 | ▲ 6% |
| Balance sheet total | € 749,058 | € 812,607 | € 811,023 | € 889,616 | ▲ 10% |
Key figures of NEW INSURANCE & CREDIT EXPERIENCE, 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 NEW INSURANCE & CREDIT EXPERIENCE?
What happened at NEW INSURANCE & CREDIT EXPERIENCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 10,748. filed late Source: NBB ↗
- New establishment in Waterloo. KBO
- New establishment in Schaarbeek. KBO
- ARNAUD DINON became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 8,049 profit in 2022 to € 10,748 profit in 2025.
Paid € 34,446 in corporate taxes since 2022.
Best year ever: 2025, with € 10,748 profit.
A new publication or filing at NEW INSURANCE & CREDIT EXPERIENCE? 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 NEW INSURANCE & CREDIT EXPERIENCE is ARNAUD DINON. ARNAUD DINON is also behind CUROVIAM BRUXELLES, CUROVIAM and ND2L.
Directors
According to the 2025 annual accounts
since 2019
Establishments
Establishment units
Physical locations of this company
Kerselarenlaan 85
1030 Schaarbeek
Avenue Belle Vue 105
1410 Waterloo
Active since 4 October 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0736.429.047
- VAT number
- BE 0736.429.047
- Registered office
- Kerselarenlaan 85, 1030 Schaarbeek
- Names & denominations
- NEW INSURANCE & CREDIT EXPERIENCE · N.I.C.E.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 October 2019
- Peppol
- Not registered
- Activities · NACE
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