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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Tight liquidity NBB
Cash and receivables cover 46 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Berton assurances from Tournai, company number BE0864663443, closed financial year 2025 with a result of € 63,270 after tax. For that financial year Berton assurances recorded a gross margin of € 170,262 and equity of € 8,755. Compared with financial year 2024, the result moved from € 56,651 to € 63,270. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 8,755
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 63,270
▲ 12% vs 2024
Profit after tax over the fiscal year.
€ 2,434
▲ 61% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 63,270 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
1.2
Average over the fiscal year, from the social balance sheet.
€ 76,140
▲ 2% vs 2024
€ 63,500 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.
€ 7,075
▲ € 5,572 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 33,426
▲ 79% vs 2024
Loans from banks and other lenders, long and short.
€ 1,755
▼ 88% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 11,163
▼ 42% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 149,366 | € 132,040 | € 159,847 | € 170,262 | ▲ 7% |
| Profit after taxes | € 70,006 | € 49,681 | € 56,651 | € 63,270 | ▲ 12% |
| Equity | € 9,583 | € 8,755 | € 8,755 | € 8,755 | |
| Total debts | € 61,178 | € 64,640 | € 60,349 | € 47,417 | ▼ 21% |
| Cash | € 11,030 | € 4,844 | € 1,507 | € 2,434 | ▲ 61% |
| Land & buildings | € 6,448 | € 9,594 | € 8,407 | € 7,277 | ▼ 13% |
| Retained profit | € 3,383 | € 2,555 | € 2,555 | € 2,555 | |
| Dividend | € 68,483 | € 50,509 | € 56,651 | € 63,270 | ▲ 12% |
| Bank debt | € 35,804 | € 31,897 | € 18,713 | € 33,426 | ▲ 79% |
| Balance sheet total | € 70,761 | € 73,395 | € 69,104 | € 56,172 | ▼ 19% |
| Employees (FTE) | 0.8 | 0.9 | 1.2 | 1.2 |
Key figures of Berton 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 Berton assurances?
What happened at Berton assurances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 63,270 (▲ 12% vs 2024). filed late Source: NBB ↗
- Sylvain Leulier became a director. NBB
- David Heysecom became a director. NBB
- Axel BERTON became a director. NBB
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 70,006 profit in 2022 to € 63,270 profit in 2025.
Paid € 88,136 in corporate taxes since 2022.
Best year ever: 2022, with € 70,006 profit.
On average € 141,900 of value added per employee in 2025.
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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 Berton assurances are Axel BERTON, Sylvain Leulier and David Heysecom. David Heysecom is also behind Tournaisis Services and HD PEOPLE.
Directors
According to the 2025 annual accounts
Axel BERTON
Director
since 2014
Sylvain Leulier
Director
since 2018
since 2018
Establishments
Establishment units
Physical locations of this company
Rue Montgomery(K) 26A
7540 Tournai
Rue Montgomery(K) 26 box A
7540 Tournai
Active since 9 April 2004
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0864.663.443
- VAT number
- BE 0864.663.443
- Registered office
- Rue Montgomery(K) 26A, 7540 Tournai
- Names & denominations
- Berton assurances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 April 2004
- Peppol
- Active · Active since 2 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars