Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ABM Insurance & Consulting from Liège, company number BE0830980390, closed financial year 2025 with a result of € 6,331 after tax. For that financial year ABM Insurance & Consulting recorded a gross margin of € 78,891 and equity of € -52,414. Compared with financial year 2024, the result moved from € 1,244 to € 6,331. Profitable, and profit is growing. 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.
€ -52,414
▲ € 6,331 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6,331
▲ € 5,087 vs 2024
Profit after tax over the fiscal year.
€ 18,752
▼ 4% 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 € -58,614.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 60,448
▼ 21% 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.
€ 2,111
▼ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 57,203
▼ 14% vs 2024
Loans from banks and other lenders, long and short.
€ 24,374
▼ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,352
▼ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 64,058 | € 79,209 | € 87,497 | € 78,891 | ▼ 10% |
| Profit after taxes | € -9,336 | € -6,810 | € 1,244 | € 6,331 | ▲ € 5,087 |
| Equity | € -53,179 | € -59,989 | € -58,745 | € -52,414 | ▲ € 6,331 |
| Total debts | € 109,035 | € 114,166 | € 127,457 | € 105,202 | ▼ 17% |
| Cash | € 11,842 | € 10,985 | € 19,506 | € 18,752 | ▼ 4% |
| Retained profit | € -59,379 | € -66,189 | € -64,945 | € -58,614 | ▲ € 6,331 |
| Bank debt | € 84,783 | € 70,320 | € 66,472 | € 57,203 | ▼ 14% |
| Balance sheet total | € 55,856 | € 54,177 | € 68,712 | € 52,788 | ▼ 23% |
Key figures of ABM Insurance & Consulting, 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 October 2026.
What happened to ABM Insurance & Consulting?
What happened at ABM Insurance & Consulting in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 6,331 (▲ € 5,087 vs 2024). Source: NBB ↗
- Christelle GOFFARD became a director. NBB
- New establishment in Ans. KBO
- FREDERIC WYNANDS SRL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 9,336 loss in 2022 to € 6,331 profit in 2025.
Paid € 2,287 in corporate taxes since 2022.
Best year ever: 2025, with € 6,331 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
The stake of Frédéric WYNANDS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ABM Insurance & ConsultingBehind ABM Insurance & Consulting are FREDERIC WYNANDS SRL and Christelle GOFFARD. The shares are held by Frédéric WYNANDS (3%).
Directors
According to the 2025 annual accounts
Manager · represented by Frédéric WYNANDS
since 2010
Christelle GOFFARD
Manager
since 2012
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Labours 25
4030 Liège
Rue Walthère Jamar 229 box 02
4430 Ans
Active since 9 December 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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0830.980.390
- VAT number
- BE 0830.980.390
- Registered office
- Rue des Labours 25, 4030 Liège
- Names & denominations
- ABM Insurance & Consulting
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 November 2010
- Peppol
- Active · Active since 28 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars