What does WAP INSURANCE do?

WAP INSURANCE is an insurance broker in Chièvres. Private Limited, started on 21 June 2010, 1 establishment.

What is the address of WAP INSURANCE?

The registered office of WAP INSURANCE is located at Rue du Hameau 29, 7950 Chièvres.

Is WAP INSURANCE still active?

Yes. According to the CBE (29 October 2026) WAP INSURANCE is active, legal situation “Normale toestand”, started on 21 June 2010.

Is WAP INSURANCE registered on Peppol?

No, WAP INSURANCE is currently not registered on the Peppol network.

What is the enterprise number of WAP INSURANCE?

The enterprise number of WAP INSURANCE is BE0827492251.

When was WAP INSURANCE founded?

WAP INSURANCE was founded on 21 June 2010.

Who are the directors of WAP INSURANCE?

According to the 2025 annual accounts, the directors of WAP INSURANCE are: Valérie Delavallée.

Is WAP INSURANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 21 June 2010; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did WAP INSURANCE make in 2025?

WAP INSURANCE posted a profit after taxes of € 195,683 in financial year 2025.

What is the revenue of WAP INSURANCE?

As a small company, WAP INSURANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 132,683.

WAP INSURANCE (Private Limited) - Chièvres - BE0827492251

Dossier WAP INSURANCE, printed on 29 October 2026 from databakkes.be/en/0827492251/wap-insurance. 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 2025

WAP INSURANCE from Chièvres, company number BE0827492251, closed financial year 2025 with a result of € 195,683 after tax. For that financial year WAP INSURANCE recorded a gross margin of € 132,683 and equity of € 363,716. Compared with financial year 2024, the result moved from € 34,014 to € 195,683. 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 August 24, 2026.

What it is worth Growing

€ 363,716

▲ 72% vs 2024

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

Profit Growing

€ 195,683

▲ € 161,669 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 608,070

▲ € 468,992 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 42,857 paid out

22 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Wage cost

€ 52,691

▼ 4% 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.

Vehicles and equipment

€ 20,201

▼ 33% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

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.

€ 285,180

▼ 12% vs 2024

€ 41,128 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.

Owed to suppliers

€ 407,643

▼ 3% vs 2024

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

Taxes and wages

€ 51,437

▲ 260% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 131,086 Gross margin 2022: € 131,086 First fiscal year in the series	€ 131,957 Gross margin 2023: € 131,957 ▲ 1% vs 2022 (€ 131,086) Favourable step	€ 154,284 Gross margin 2024: € 154,284 ▲ 17% vs 2023 (€ 131,957) Favourable step	€ 132,683 Gross margin 2025: € 132,683 ▼ 14% vs 2024 (€ 154,284) Unfavourable step	▼ 14%
Profit after taxes	€ 26,094 Profit after taxes 2022: € 26,094 First fiscal year in the series	€ 24,040 Profit after taxes 2023: € 24,040 ▼ 8% vs 2022 (€ 26,094) Unfavourable step	€ 34,014 Profit after taxes 2024: € 34,014 ▲ 41% vs 2023 (€ 24,040) Favourable step	€ 195,683 Profit after taxes 2025: € 195,683 ▲ € 161,669 vs 2024 (€ 34,014) Favourable step	▲ € 161,669
Equity	€ 152,836 Equity 2022: € 152,836 First fiscal year in the series	€ 176,876 Equity 2023: € 176,876 ▲ 16% vs 2022 (€ 152,836) Favourable step	€ 210,890 Equity 2024: € 210,890 ▲ 19% vs 2023 (€ 176,876) Favourable step	€ 363,716 Equity 2025: € 363,716 ▲ 72% vs 2024 (€ 210,890) Favourable step	▲ 72%
Total debts	€ 820,286 Total debts 2022: € 820,286 First fiscal year in the series	€ 742,986 Total debts 2023: € 742,986 ▼ 9% vs 2022 (€ 820,286) Favourable step	€ 845,570 Total debts 2024: € 845,570 ▲ 14% vs 2023 (€ 742,986) Unfavourable step	€ 849,936 Total debts 2025: € 849,936 ▲ 1% vs 2024 (€ 845,570) Unfavourable step	▲ 1%
Cash	€ 105,260 Cash 2022: € 105,260 First fiscal year in the series	€ 66,444 Cash 2023: € 66,444 ▼ 37% vs 2022 (€ 105,260) Unfavourable step	€ 139,078 Cash 2024: € 139,078 ▲ 109% vs 2023 (€ 66,444) Favourable step	€ 608,070 Cash 2025: € 608,070 ▲ € 468,992 vs 2024 (€ 139,078) Favourable step	▲ € 468,992
Land & buildings	€ 280,954 Land & buildings 2022: € 280,954 First fiscal year in the series	€ 265,189 Land & buildings 2023: € 265,189 ▼ 6% vs 2022 (€ 280,954) Unchanged	€ 250,637 Land & buildings 2024: € 250,637 ▼ 5% vs 2023 (€ 265,189) Unchanged	€ 236,474 Land & buildings 2025: € 236,474 ▼ 6% vs 2024 (€ 250,637) Unchanged	▼ 6%
Retained profit	€ 146,636 Retained profit 2022: € 146,636 First fiscal year in the series	€ 170,676 Retained profit 2023: € 170,676 ▲ 16% vs 2022 (€ 146,636) Favourable step	€ 204,690 Retained profit 2024: € 204,690 ▲ 20% vs 2023 (€ 170,676) Favourable step	€ 357,516 Retained profit 2025: € 357,516 ▲ 75% vs 2024 (€ 204,690) Favourable step	▲ 75%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 42,857 Dividend 2025: € 42,857 Unchanged (€ 0) Unchanged
Bank debt	€ 385,999 Bank debt 2022: € 385,999 First fiscal year in the series	€ 363,990 Bank debt 2023: € 363,990 ▼ 6% vs 2022 (€ 385,999) Favourable step	€ 325,098 Bank debt 2024: € 325,098 ▼ 11% vs 2023 (€ 363,990) Favourable step	€ 285,180 Bank debt 2025: € 285,180 ▼ 12% vs 2024 (€ 325,098) Favourable step	▼ 12%
Balance sheet total	€ 973,121 Balance sheet total 2022: € 973,121 First fiscal year in the series	€ 919,862 Balance sheet total 2023: € 919,862 ▼ 5% vs 2022 (€ 973,121) Unchanged	€ 1,056,460 Balance sheet total 2024: € 1,056,460 ▲ 15% vs 2023 (€ 919,862) Unchanged	€ 1,285,544 Balance sheet total 2025: € 1,285,544 ▲ 22% vs 2024 (€ 1,056,460) Unchanged	▲ 22%

Key figures of WAP INSURANCE, 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 WAP INSURANCE?

What happened at WAP INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 24, 2026 New annual accounts for financial year 2025: profit of € 195,683 (▲ € 161,669 vs 2024). filed late Source: NBB ↗
2019 Valérie Delavallée became a director. NBB
Jun 21, 2010 New establishment in Tournai. KBO
Jun 21, 2010 Start of the company according to the CBE. KBO

In short

From € 26,094 profit in 2022 to € 195,683 profit in 2025.

Paid € 141,169 in corporate taxes since 2022.

Best year ever: 2025, with € 195,683 profit.

Paid out € 42,857 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Valérie Delavallée

WAP INSURANCE

Behind WAP INSURANCE is Valérie Delavallée.

Directors

According to the 2025 annual accounts

Valérie Delavallée

Director

since 2019

Establishments

Establishment units

Physical locations of this company

Registered office

Rue du Hameau 29

7950 Chièvres

2.190.011.164

Rue Beyaert(TOU) 22

7500 Tournai

Active since 21 June 2010

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

La Frite box

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

Details

Company number: 0827.492.251
VAT number: BE 0827.492.251
Registered office: Rue du Hameau 29, 7950 Chièvres
Names & denominations: WAP INSURANCE
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 21 June 2010
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗