What does Les Assurances de l'M do?

Les Assurances de l'M is an insurance broker in Montigny-le-Tilleul. Private Limited, started on 23 July 2020, 1 establishment.

What is the address of Les Assurances de l'M?

The registered office of Les Assurances de l'M is located at Rue de la Station 93, 6110 Montigny-le-Tilleul.

Is Les Assurances de l'M still active?

Yes. According to the CBE (29 October 2026) Les Assurances de l'M is active, legal situation “Normale toestand”, started on 23 July 2020.

Is Les Assurances de l'M registered on Peppol?

No, Les Assurances de l'M is currently not registered on the Peppol network.

What is the enterprise number of Les Assurances de l'M?

The enterprise number of Les Assurances de l'M is BE0750910949.

When was Les Assurances de l'M founded?

Les Assurances de l'M was founded on 23 July 2020.

Who are the directors of Les Assurances de l'M?

According to the 2024 annual accounts, the directors of Les Assurances de l'M are: Julie POLETTO, Patrick POLETTO.

Is Les Assurances de l'M a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 July 2020; 4 annual accounts filed, latest fiscal year 2024; 2 directors known from the annual account.

How much profit did Les Assurances de l'M make in 2024?

Les Assurances de l'M recorded a loss after taxes of € 29,899 in financial year 2024.

What is the revenue of Les Assurances de l'M?

As a small company, Les Assurances de l'M is not required to publish revenue in its annual accounts. In financial year 2024, its added value was € 351,182.

Does Les Assurances de l'M have a website?

Yes, Les Assurances de l'M has a website at assurancesdelm.be.

Les Assurances de l'M (Private Limited)

Dossier Les Assurances de l'M, printed on 29 October 2026 from databakkes.be/en/0750910949/les-assurances-de-l-m. 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.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2024

Les Assurances de l'M from Montigny-le-Tilleul, company number BE0750910949, closed financial year 2024 with a result of € -29,899 after tax. For that financial year Les Assurances de l'M recorded a gross margin of € 351,182 and equity of € 54,805. Compared with financial year 2023, the result moved from € 43,968 to € -29,899. 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 July 2, 2025.

What it is worth Healthy

€ 54,805

▼ 35% vs 2023

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

Loss Caution

€ -29,899

▼ still € 43,968 profit in 2023

Profit after tax over the fiscal year.

Cash in the bank

€ 118,086

▼ 8% vs 2023

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 € 34,805.

People and assets in 2024

Wage cost

€ 184,441

▲ 22% vs 2023

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

€ 66,899

▼ 22% vs 2023

Book value of vehicles, furniture and equipment.

Debts at end 2024

Bank debt ≈ 7 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.

€ 1.1 million

▼ 12% vs 2023

€ 146,469 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.

Owed to suppliers

€ 52,150

▲ 8% vs 2023

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

Taxes and wages

€ 23,871

▲ 6% vs 2023

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	2024	Change 2023 → 2024
Gross margin	€ 319,445 Gross margin 2021: € 319,445 First fiscal year in the series	€ 335,944 Gross margin 2022: € 335,944 ▲ 5% vs 2021 (€ 319,445) Favourable step	€ 365,202 Gross margin 2023: € 365,202 ▲ 9% vs 2022 (€ 335,944) Favourable step	€ 351,182 Gross margin 2024: € 351,182 ▼ 4% vs 2023 (€ 365,202) Unfavourable step	▼ 4%
Profit after taxes	€ -585 Profit after taxes 2021: € -585 First fiscal year in the series	€ 21,322 Profit after taxes 2022: € 21,322 ▲ € 21,907 vs 2021 (€ -585) Favourable step	€ 43,968 Profit after taxes 2023: € 43,968 ▲ 106% vs 2022 (€ 21,322) Favourable step	€ -29,899 Profit after taxes 2024: € -29,899 ▼ € 73,867 vs 2023 (€ 43,968) Unfavourable step	▼ € 73,867
Equity	€ 19,415 Equity 2021: € 19,415 First fiscal year in the series	€ 40,736 Equity 2022: € 40,736 ▲ 110% vs 2021 (€ 19,415) Favourable step	€ 84,704 Equity 2023: € 84,704 ▲ 108% vs 2022 (€ 40,736) Favourable step	€ 54,805 Equity 2024: € 54,805 ▼ 35% vs 2023 (€ 84,704) Unfavourable step	▼ 35%
Total debts	€ 1,478,665 Total debts 2021: € 1,478,665 First fiscal year in the series	€ 1,344,275 Total debts 2022: € 1,344,275 ▼ 9% vs 2021 (€ 1,478,665) Favourable step	€ 1,300,530 Total debts 2023: € 1,300,530 ▼ 3% vs 2022 (€ 1,344,275) Favourable step	€ 1,185,952 Total debts 2024: € 1,185,952 ▼ 9% vs 2023 (€ 1,300,530) Favourable step	▼ 9%
Cash	€ 95,120 Cash 2021: € 95,120 First fiscal year in the series	€ 111,352 Cash 2022: € 111,352 ▲ 17% vs 2021 (€ 95,120) Favourable step	€ 127,812 Cash 2023: € 127,812 ▲ 15% vs 2022 (€ 111,352) Favourable step	€ 118,086 Cash 2024: € 118,086 ▼ 8% vs 2023 (€ 127,812) Unfavourable step	▼ 8%
Land & buildings	€ 336,994 Land & buildings 2021: € 336,994 First fiscal year in the series	€ 335,864 Land & buildings 2022: € 335,864 Unchanged (€ 336,994) Unchanged	€ 325,222 Land & buildings 2023: € 325,222 ▼ 3% vs 2022 (€ 335,864) Unchanged	€ 321,639 Land & buildings 2024: € 321,639 ▼ 1% vs 2023 (€ 325,222) Unchanged	▼ 1%
Retained profit	€ -585 Retained profit 2021: € -585 First fiscal year in the series	€ 20,736 Retained profit 2022: € 20,736 ▲ € 21,322 vs 2021 (€ -585) Favourable step	€ 64,704 Retained profit 2023: € 64,704 ▲ 212% vs 2022 (€ 20,736) Favourable step	€ 34,805 Retained profit 2024: € 34,805 ▼ 46% vs 2023 (€ 64,704) Unfavourable step	▼ 46%
Bank debt	€ 1,396,837 Bank debt 2021: € 1,396,837 First fiscal year in the series	€ 1,270,586 Bank debt 2022: € 1,270,586 ▼ 9% vs 2021 (€ 1,396,837) Favourable step	€ 1,224,312 Bank debt 2023: € 1,224,312 ▼ 4% vs 2022 (€ 1,270,586) Favourable step	€ 1,079,943 Bank debt 2024: € 1,079,943 ▼ 12% vs 2023 (€ 1,224,312) Favourable step	▼ 12%
Balance sheet total	€ 1,498,080 Balance sheet total 2021: € 1,498,080 First fiscal year in the series	€ 1,385,011 Balance sheet total 2022: € 1,385,011 ▼ 8% vs 2021 (€ 1,498,080) Unchanged	€ 1,385,234 Balance sheet total 2023: € 1,385,234 Unchanged (€ 1,385,011) Unchanged	€ 1,240,757 Balance sheet total 2024: € 1,240,757 ▼ 10% vs 2023 (€ 1,385,234) Unchanged	▼ 10%

Key figures of Les Assurances de l'M, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.

What happened to Les Assurances de l'M?

What happened at Les Assurances de l'M in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 2, 2025 New annual accounts for financial year 2024: loss of € 29,899 (▼ € 73,867 vs 2023). Source: NBB ↗
Jan 1, 2021 New establishment in Montigny-le-Tilleul. KBO
2020 Julie POLETTO became a director. NBB
2020 Patrick POLETTO became a director. NBB
Jul 23, 2020 Start of the company according to the CBE. KBO

In short

From € 585 loss in 2021 to € 29,899 loss in 2024.

Paid € 27,243 in corporate taxes since 2021.

Best year ever: 2023, with € 43,968 profit.

Original PDFs at the National Bank ↗

Management

RANCINVEST 10%

The stake of RANCINVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

Les Assurances de l'M

Behind Les Assurances de l'M are Julie POLETTO and Patrick POLETTO. The shares are held by RANCINVEST (10%).

Directors

According to the 2024 annual accounts

Julie POLETTO

Director

Also active at: AQUILAE

since 2020

Patrick POLETTO

Director

since 2020

Shareholders

RANCINVEST

10%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue de la Station 93

6110 Montigny-le-Tilleul

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

Website

HTTPS assurancesdelm.be

Technologies

ApacheChart.jsDiviGoogle AnalyticsGoogle FontsLightboxPHPWooCommerceWordPressYoast SEOjQueryreCAPTCHA

Hosting & Email

Email provider

Self-hosted

Hosting

VERIXI, BE

Website info

HTTPS Ja

Languages FR

Features

Webshop Blog Contact page

Security

✓ HTTPS

✓ SPF

✗ DMARC

Details

Company number: 0750.910.949
VAT number: BE 0750.910.949
Registered office: Rue de la Station 93, 6110 Montigny-le-Tilleul
Names & denominations: Les Assurances de l'M · l'M
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 23 July 2020
Peppol: Not registered
Contact: assurancesdelm.be [email protected]
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗