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 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JSL ASSURANCES from Esneux, company number BE0786709986, closed financial year 2025 with a result of € 31,540 after tax. For that financial year JSL ASSURANCES recorded a gross margin of € 55,982 and equity of € 38,768. Compared with financial year 2024, the result moved from € 4,462 to € 31,540. 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 30, 2026.
€ 38,768
▲ € 31,540 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 31,540
▲ € 27,078 vs 2024
Profit after tax over the fiscal year.
€ 13,937
▲ 58% 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 € 36,768.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 220,430
▼ 12% vs 2024
€ 36,110 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 12,442
▲ 78% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,506
▲ 137% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 4,683 | € 17,901 | € 55,982 | ▲ 213% |
| Profit after taxes | € 766 | € 4,462 | € 31,540 | ▲ € 27,078 |
| Equity | € 2,766 | € 7,228 | € 38,768 | ▲ € 31,540 |
| Total debts | € 9,286 | € 263,535 | € 248,980 | ▼ 6% |
| Cash | - | € 8,842 | € 13,937 | ▲ 58% |
| Retained profit | € 766 | € 5,228 | € 36,768 | ▲ € 31,540 |
| Bank debt | € 1,017 | € 250,000 | € 220,430 | ▼ 12% |
| Balance sheet total | € 12,052 | € 270,763 | € 287,748 | ▲ 6% |
Key figures of JSL ASSURANCES, fiscal years 2023 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 JSL ASSURANCES?
What happened at JSL ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 31,540 (▲ € 27,078 vs 2024). filed late Source: NBB ↗
- New establishment in Chaudfontaine. KBO
- Start of the company according to the CBE. KBO
In short
From € 766 profit in 2023 to € 31,540 profit in 2025.
Paid € 17,518 in corporate taxes since 2023.
Best year ever: 2025, with € 31,540 profit.
Management
Behind JSL ASSURANCES is Jean-Sébastien LAUWAERT.
Directors
According to the 2025 annual accounts
Jean-Sébastien LAUWAERT
Director
Establishments
Establishment units
Physical locations of this company
Chemin des Thiers 14
4130 Esneux
Chemin du Carmel 10
4053 Chaudfontaine
Active since 1 June 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0786.709.986
- VAT number
- BE 0786.709.986
- Registered office
- Chemin des Thiers 14, 4130 Esneux
- Names & denominations
- JSL ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 June 2022
- Peppol
- Active · Active since 15 Sept 2025