Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 16 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Waremme Synergie Assurfinance from Waremme, company number BE0844622253, closed financial year 2025 with a result of € 17,437 after tax. For that financial year Waremme Synergie Assurfinance recorded a gross margin of € 140,715 and equity of € 9,622. Compared with financial year 2024, the result moved from € 11,777 to € 17,437. 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.
€ 9,622
▲ € 17,437 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 17,437
▲ 48% vs 2024
Profit after tax over the fiscal year.
€ 197
▼ 99% 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 € -10,378.
People and assets in 2025
1.1
Average over the fiscal year, from the social balance sheet.
€ 93,844
▲ 24% vs 2024
€ 85,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 289,884
▲ € 238,416 vs 2024
€ 28,480 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 21,868
▼ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,838
▲ 78% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 102,897 | € 161,289 | € 100,571 | € 140,715 | ▲ 40% |
| Profit after taxes | € 8,825 | € 64,944 | € 11,777 | € 17,437 | ▲ 48% |
| Equity | € -84,536 | € -19,592 | € -7,815 | € 9,622 | ▲ € 17,437 |
| Total debts | € 125,601 | € 102,768 | € 102,770 | € 333,885 | ▲ 225% |
| Cash | € 10,000 | € 30,000 | € 20,053 | € 197 | ▼ 99% |
| Land & buildings | € 2,613 | € 2,493 | € 2,373 | € 293,128 | ▲ € 290,755 |
| Retained profit | € -104,536 | € -39,592 | € -27,815 | € -10,378 | ▲ € 17,437 |
| Bank debt | € 112,356 | € 88,785 | € 51,468 | € 289,884 | ▲ € 238,416 |
| Balance sheet total | € 41,064 | € 83,176 | € 94,955 | € 343,507 | ▲ 262% |
| Employees (FTE) | 1.6 | 2 | 1.1 | 1.1 |
Key figures of Waremme Synergie Assurfinance, 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 Waremme Synergie Assurfinance?
What happened at Waremme Synergie Assurfinance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 17,437 (▲ 48% vs 2024). Source: NBB ↗
- New establishment in Waremme. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,825 profit in 2022 to € 17,437 profit in 2025.
Paid € 16,498 in corporate taxes since 2022.
Best year ever: 2023, with € 64,944 profit.
On average € 127,900 of value added per employee in 2025.
A new publication or filing at Waremme Synergie Assurfinance? 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
The stake of 1TEAM4U HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Waremme Synergie AssurfinanceBehind Waremme Synergie Assurfinance are Laurent GODART, LOMALE SRL, YB INVEST SRL and Yannick BODSON. The shares are held by LOMALE SRL (40%), Laurent Godart (10%), YB INVEST SRL (10%), Yannick BODSON (10%) and 1TEAM4U HOLDING.
Directors
According to the 2025 annual accounts
Director · represented by Laurent GODART
Director · represented by Yannick BODSON
Shareholders
40%
Laurent Godart · director
10%
10%
Yannick BODSON · director
10%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Joseph Wauters 50
4300 Waremme
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0844.622.253
- VAT number
- BE 0844.622.253
- Registered office
- Rue Joseph Wauters 50, 4300 Waremme
- Names & denominations
- Waremme Synergie Assurfinance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 March 2012
- Peppol
- Active · Active since 2 Sept 2025
- Contact
- [email protected]
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars