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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
BINCHE ASSURANCES - BINCHE IMMO from Binche, company number BE0826447027, closed financial year 2024 with a result of € -37,557 after tax. For that financial year BINCHE ASSURANCES - BINCHE IMMO recorded a gross margin of € 76,957 and equity of € -171,387. Compared with financial year 2023, the result moved from € -10,688 to € -37,557. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 30, 2025.
€ -171,387
▼ € 37,557 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -37,557
▼ 251 % more loss than in 2023
Profit after tax over the fiscal year.
€ 7,404
▼ 90% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -189,987.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 78,634
▼ 9% 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.
€ 1,034
▼ 20% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 42,149
▲ 97% vs 2023
Loans from banks and other lenders, long and short.
€ 21,638
▲ 60% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 56,444
▲ 47% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 116,454 | € 129,407 | € 92,236 | € 76,957 | ▼ 17% |
| Profit after taxes | € 39,893 | € 50,239 | € -10,688 | € -37,557 | ▼ € 26,870 |
| Equity | € -173,381 | € -123,142 | € -133,830 | € -171,387 | ▼ € 37,557 |
| Total debts | € 302,618 | € 257,901 | € 290,581 | € 253,705 | ▼ 13% |
| Cash | € 60,298 | € 55,376 | € 74,417 | € 7,404 | ▼ 90% |
| Retained profit | € -191,981 | € -141,742 | € -152,430 | € -189,987 | ▼ € 37,557 |
| Bank debt | € 31,503 | € 25,037 | € 21,416 | € 42,149 | ▲ 97% |
| Balance sheet total | € 129,237 | € 134,758 | € 156,751 | € 82,318 | ▼ 47% |
Key figures of BINCHE ASSURANCES - BINCHE IMMO, 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 BINCHE ASSURANCES - BINCHE IMMO?
What happened at BINCHE ASSURANCES - BINCHE IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 37,557. filed late Source: NBB ↗
- Laurent Sauteur became a director. NBB
- New establishment in Binche. KBO
- Start of the company according to the CBE. KBO
In short
From € 39,893 profit in 2021 to € 37,557 loss in 2024.
Paid € 2,165 in corporate taxes since 2021.
Best year ever: 2022, with € 50,239 profit.
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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 BINCHE ASSURANCES - BINCHE IMMO is Laurent Sauteur.
Directors
According to the 2024 annual accounts
Laurent Sauteur
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Rue Fernand Gobiet(RES) 1
7134 Binche
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0826.447.027
- VAT number
- BE 0826.447.027
- Registered office
- Rue Fernand Gobiet(RES) 1, 7134 Binche
- Names & denominations
- BINCHE ASSURANCES - BINCHE IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 June 2010
- Peppol
- Active · Active since 24 Mar 2024
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Activiteiten van verzekeringsagenten en -makelaars
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis
Verstrekken van verbruikskrediet
Activiteiten van syndici van onroerend goed
Overige bemiddeling in en beheer van onroerend goed voor een vast bedrag of op contractbasis, neg
Ontwikkeling van residentiële bouwprojecten
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