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 59 % 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
ASSURANCES DETREMBLEUR & PARTNERS from Malmedy, company number BE0742582213, closed financial year 2025 with a result of € 528,128 after tax. For that financial year ASSURANCES DETREMBLEUR & PARTNERS recorded a gross margin of € 1.7 million and equity of € 1 million. Compared with financial year 2024, the result moved from € 332,274 to € 528,128. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 22, 2026.
€ 1 million
▲ 63% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 528,128
▲ 59% vs 2024
Profit after tax over the fiscal year.
€ 310,651
▲ 112% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 134,252 paid out
25 % of the profit went to the shareholders, mostly to HBD (84 % of the shares). That is where the money ends up.
People and assets in 2025
10.2
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 636,565
▲ 61% vs 2024
€ 62,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 31,282
▼ 11% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.1 million
▼ 12% vs 2024
€ 358,036 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 59,041
▲ 153% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 215,770
▲ 39% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 804,257 | € 1,017,138 | € 1,040,330 | € 1,657,971 | ▲ 59% |
| Profit after taxes | € 210,740 | € 374,168 | € 332,274 | € 528,128 | ▲ 59% |
| Equity | € 289,003 | € 663,171 | € 625,444 | € 1,019,320 | ▲ 63% |
| Total debts | € 1,217,697 | € 973,286 | € 2,787,702 | € 2,568,052 | ▼ 8% |
| Cash | € 325,411 | € 575,587 | € 146,260 | € 310,651 | ▲ 112% |
| Land & buildings | € 3,663 | € 5,225 | € 14,825 | € 17,889 | ▲ 21% |
| Retained profit | € 168,443 | € 542,611 | € 504,885 | € 898,761 | ▲ 78% |
| Dividend | € 120,000 | € 0 | € 370,000 | € 134,252 | ▼ 64% |
| Bank debt | € 948,359 | € 778,941 | € 2,345,974 | € 2,068,829 | ▼ 12% |
| Balance sheet total | € 1,506,700 | € 1,636,457 | € 3,413,146 | € 3,587,738 | ▲ 5% |
| Employees (FTE) | 5.9 | 6.5 | 10.4 | 10.2 | ▼ 0.2 |
Key figures of ASSURANCES DETREMBLEUR & PARTNERS, 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 DETREMBLEUR & PARTNERS?
What happened at ASSURANCES DETREMBLEUR & PARTNERS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 528,128 (▲ 59% vs 2024). Source: NBB ↗
- HBD SRL became a director. NBB
- New establishment in Malmedy. KBO
- New establishment in Vielsalm. KBO
- New establishment in Stavelot. KBO
- Start of the company according to the CBE. KBO
In short
From € 210,740 profit in 2022 to € 528,128 profit in 2025.
Paid € 518,071 in corporate taxes since 2022.
Best year ever: 2025, with € 528,128 profit.
On average € 162,500 of value added per employee in 2025.
Management
The stake of HBD comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ASSURANCES DETREMBLEUR & PARTNERSBehind ASSURANCES DETREMBLEUR & PARTNERS is HBD SRL. The shares are held by HBD (83.7%).
Directors
According to the 2025 annual accounts
Director · represented by Béatrice DETREMBLEUR
Also active at: Hupperetz et Düsseldorf SA, CREDIT SERVICES MALMEDY, BANQUE DETREMBLEUR & PARTNERS
since 2023
Shareholders
83.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Anciennes Granges 3
4960 Malmedy
Place Albert Ier 43
4960 Malmedy
Active since 24 February 2020
Rue du Vieux-Marché 23
6690 Vielsalm
Active since 24 February 2020
Place Saint Remacle 7
4970 Stavelot
Active since 24 February 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0742.582.213
- VAT number
- BE 0742.582.213
- Registered office
- Rue des Anciennes Granges 3, 4960 Malmedy
- Names & denominations
- ASSURANCES DETREMBLEUR & PARTNERS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 January 2020
- Peppol
- Not registered
- Contact
- detrembleur.be [email protected] 080791030
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars