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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
ASSURANCES WINAND from Chaudfontaine, company number BE0823123588, closed financial year 2025 with a result of € 9,174 after tax. For that financial year ASSURANCES WINAND recorded a gross margin of € 117,148 and equity of € 171,468. Compared with financial year 2024, the result moved from € 1,700 to € 9,174. 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 July 31, 2026.
€ 171,468
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,174
▲ € 7,474 vs 2024
Profit after tax over the fiscal year.
€ 71,020
▲ 29% 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 € 171,468.
People and assets in 2025
€ 4,381
▼ 55% 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.
€ 25,637
▼ 18% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.4 million
▲ 42% vs 2024
€ 81,663 is repaid this year. At this pace the long-term loan is gone in ≈ 17 years.
€ 6,062
▲ 59% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,030
▲ 152% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 96,843 | € 118,768 | € 136,222 | € 117,148 | ▼ 14% |
| Profit after taxes | € 5,791 | € 120,494 | € 1,700 | € 9,174 | ▲ € 7,474 |
| Equity | € 408,697 | € 529,191 | € 162,294 | € 171,468 | ▲ 6% |
| Total debts | € 861,739 | € 984,968 | € 973,318 | € 1,393,794 | ▲ 43% |
| Cash | € 3,659 | € 215,442 | € 55,164 | € 71,020 | ▲ 29% |
| Land & buildings | € 734,452 | € 838,367 | € 880,062 | € 1,325,528 | ▲ 51% |
| Retained profit | € 390,097 | € 510,591 | € 162,294 | € 171,468 | ▲ 6% |
| Dividend | € 0 | € 0 | € 349,997 | € 0 | ▼ 100% |
| Bank debt | € 776,080 | € 924,404 | € 960,556 | € 1,367,892 | ▲ 42% |
| Balance sheet total | € 1,270,436 | € 1,514,159 | € 1,135,612 | € 1,565,262 | ▲ 38% |
Key figures of ASSURANCES WINAND, 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 WINAND?
What happened at ASSURANCES WINAND in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,174 (▲ € 7,474 vs 2024). Source: NBB ↗
- Isabelle Corman became a director. NBB
- New establishment in Chaudfontaine. KBO
- Start of the company according to the CBE. KBO
- Xavier Winand became a director. NBB
In short
From € 5,791 profit in 2022 to € 9,174 profit in 2025.
Paid € 36,126 in corporate taxes since 2022.
Best year ever: 2023, with € 120,494 profit.
Paid out € 349,997 in dividends to the owners in total.
Management
Behind ASSURANCES WINAND are Xavier Winand and Isabelle Corman. It owns 2.5% of RGF Life itself.
Directors
According to the 2025 annual accounts
Xavier Winand
Director
since 2010
Isabelle Corman
Director
since 2015
Establishments
Establishment units
Physical locations of this company
Allée Van den Berg 3
4053 Chaudfontaine
Rue Auguste Nève 46
4052 Chaudfontaine
Active since 12 February 2010
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0823.123.588
- VAT number
- BE 0823.123.588
- Registered office
- Allée Van den Berg 3, 4053 Chaudfontaine
- Names & denominations
- ASSURANCES WINAND
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 February 2010
- Peppol
- Not registered