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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
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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
H.B. Assurances from Nandrin, company number BE0842260502, closed financial year 2025 with a result of € -5,757 after tax. For that financial year H.B. Assurances recorded a gross margin of € -2,200 and equity of € 1.6 million. Compared with financial year 2024, the result moved from € -1,302 to € -5,757. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 5, 2026.
€ 1.6 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,757
▼ 342 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,862
▼ 37% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.6 million.
Debts at end 2025
€ 300,000
€ 56,355 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 138
▲ 62% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 564
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -3,703 | € -1,396 | € 46 | € -2,200 | ▼ € 2,246 |
| Profit after taxes | € 102,251 | € 78,019 | € -1,302 | € -5,757 | ▼ € 4,455 |
| Equity | € 1,529,107 | € 1,607,126 | € 1,605,823 | € 1,578,567 | ▼ 2% |
| Total debts | € 125,920 | € 0 | € 85 | € 424,969 | ▲ € 424,884 |
| Cash | € 2,807 | € 6,996 | € 6,109 | € 3,862 | ▼ 37% |
| Retained profit | € 1,510,507 | € 1,588,526 | € 1,587,223 | € 1,559,967 | ▼ 2% |
| Dividend | € 0 | € 0 | € 0 | € 21,500 | |
| Bank debt | € 125,899 | € 0 | € 0 | € 300,000 | |
| Balance sheet total | € 1,655,027 | € 1,607,126 | € 1,605,908 | € 2,003,536 | ▲ 25% |
Key figures of H.B. Assurances, 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 H.B. Assurances?
What happened at H.B. Assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,757. Source: NBB ↗
- New establishment in Nandrin. KBO
- Start of the company according to the CBE. KBO
In short
From € 102,251 profit in 2022 to € 5,757 loss in 2025.
Best year ever: 2022, with € 102,251 profit.
Paid out € 21,500 in dividends to the owners in total.
A new publication or filing at H.B. Assurances? We notify you, reason included.
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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 H.B. Assurances are JEAN-FRANCOIS BECKERS and JEAN-VINCENT HERVE. It owns 99.8% of EMILE JACQUES ASSURANCES itself.
Directors
According to the 2025 annual accounts
JEAN-FRANCOIS BECKERS
Director
Also active at: EMILE JACQUES, JFBeckers Management, Emile JACQUES Assurances
JEAN-VINCENT HERVE
Director
Also active at: EMILE JACQUES, JVHerve Management, Emile JACQUES Assurances
Establishments
Establishment units
Physical locations of this company
Rue de Dinant 19
4550 Nandrin
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0842.260.502
- VAT number
- BE 0842.260.502
- Registered office
- Rue de Dinant 19, 4550 Nandrin
- Names & denominations
- H.B. Assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 December 2011
- Peppol
- Not registered