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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Assurances Jean-Michel CLARINVAL from Gedinne, company number BE0849844120, closed financial year 2025 with a result of € -45,738 after tax. For that financial year Assurances Jean-Michel CLARINVAL recorded revenue of € 100,771 and equity of € 226,448. Compared with financial year 2024, the result moved from € 263,259 to € -45,738. 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 August 27, 2026.
€ 226,448
▼ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -45,738
▼ still € 263,259 profit in 2024
Profit after tax over the fiscal year.
€ 190,552
▼ 35% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 206,448.
People and assets in 2025
€ 1,278
▼ 94% 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.
€ 47,062
▲ 48% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 19,711
▼ 32% vs 2024
€ 9,697 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 3,662
▼ 7% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 135,340
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 168,218 | € 178,744 | € 124,319 | € 100,771 | ▼ 19% |
| Gross margin | € 36,477 | € 55,494 | € 443,537 | € 333 | ▼ € 443,204 |
| Profit after taxes | € 10,125 | € 11,195 | € 263,259 | € -45,738 | ▼ € 308,997 |
| Equity | € -2,268 | € 8,928 | € 272,187 | € 226,448 | ▼ 17% |
| Total debts | € 87,119 | € 78,150 | € 177,338 | € 165,906 | ▼ 6% |
| Cash | € 10,787 | € 5,258 | € 293,759 | € 190,552 | ▼ 35% |
| Retained profit | € -22,268 | € -11,072 | € 252,187 | € 206,448 | ▼ 18% |
| Bank debt | € 49,749 | € 38,195 | € 29,101 | € 19,711 | ▼ 32% |
| Balance sheet total | € 84,851 | € 87,078 | € 449,525 | € 392,354 | ▼ 13% |
Key figures of Assurances Jean-Michel CLARINVAL, 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 Assurances Jean-Michel CLARINVAL?
What happened at Assurances Jean-Michel CLARINVAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 45,738 (▼ € 308,997 vs 2024). filed late Source: NBB ↗
- New establishment in Gedinne. KBO
- Start of the company according to the CBE. KBO
- Jean-Michel Clarinval became a director. NBB
In short
From € 10,125 profit in 2022 to € 45,738 loss in 2025.
Paid € 141,526 in corporate taxes since 2022.
Best year ever: 2024, with € 263,259 profit.
A new publication or filing at Assurances Jean-Michel CLARINVAL? 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 Assurances Jean-Michel CLARINVAL is Jean-Michel Clarinval. Jean-Michel Clarinval is also behind ASTER.
Directors
According to the 2025 annual accounts
since 2012
Establishments
Establishment units
Physical locations of this company
Rue Les-Fossés 20
5575 Gedinne
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
- 0849.844.120
- VAT number
- BE 0849.844.120
- Registered office
- Rue Les-Fossés 20, 5575 Gedinne
- Names & denominations
- Assurances Jean-Michel CLARINVAL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 October 2012
- Peppol
- Not registered