What does ASSURANCES, CREDITS, PLACEMENTS 21 do?

ASSURANCES, CREDITS, PLACEMENTS 21 is an estate agency in Habay. Private Limited, started on 8 September 2004, 2 establishments.

What is the address of ASSURANCES, CREDITS, PLACEMENTS 21?

The registered office of ASSURANCES, CREDITS, PLACEMENTS 21 is located at Avenue de la Gare 12, 6720 Habay.

Is ASSURANCES, CREDITS, PLACEMENTS 21 still active?

Yes. According to the CBE (30 October 2026) ASSURANCES, CREDITS, PLACEMENTS 21 is active, legal situation “Normale toestand”, started on 8 September 2004.

Is ASSURANCES, CREDITS, PLACEMENTS 21 registered on Peppol?

No, ASSURANCES, CREDITS, PLACEMENTS 21 is currently not registered on the Peppol network.

What is the enterprise number of ASSURANCES, CREDITS, PLACEMENTS 21?

The enterprise number of ASSURANCES, CREDITS, PLACEMENTS 21 is BE0867139121.

When was ASSURANCES, CREDITS, PLACEMENTS 21 founded?

ASSURANCES, CREDITS, PLACEMENTS 21 was founded on 8 September 2004.

Who are the directors of ASSURANCES, CREDITS, PLACEMENTS 21?

According to the 2025 annual accounts, the directors of ASSURANCES, CREDITS, PLACEMENTS 21 are: Philippe GRACES.

Is ASSURANCES, CREDITS, PLACEMENTS 21 a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 8 September 2004; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 2 establishments in the CBE.

How much profit did ASSURANCES, CREDITS, PLACEMENTS 21 make in 2025?

ASSURANCES, CREDITS, PLACEMENTS 21 posted a profit after taxes of € 44,370 in financial year 2025.

What is the revenue of ASSURANCES, CREDITS, PLACEMENTS 21?

As a small company, ASSURANCES, CREDITS, PLACEMENTS 21 is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -2,002.

How much does an employee at ASSURANCES, CREDITS, PLACEMENTS 21 earn?

The average wage cost per full-time employee at ASSURANCES, CREDITS, PLACEMENTS 21 was € 118,200 in 2023: staff costs of € 118,233 for 1 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does ASSURANCES, CREDITS, PLACEMENTS 21 have?

According to the 2025 annual accounts, ASSURANCES, CREDITS, PLACEMENTS 21 has 0.5 full-time equivalents (FTE).

ASSURANCES, CREDITS, PLACEMENTS 21 (Private Limited)

Dossier ASSURANCES, CREDITS, PLACEMENTS 21, printed on 30 October 2026 from databakkes.be/en/0867139121/assurances-credits-placements-21. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Shrinking team NBB

FTE fell two years in a row, from 1 to 0.5.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

ASSURANCES, CREDITS, PLACEMENTS 21 from Habay, company number BE0867139121, closed financial year 2025 with a result of € 44,370 after tax. For that financial year ASSURANCES, CREDITS, PLACEMENTS 21 recorded a gross margin of € -2,002 and equity of € 157,656. Compared with financial year 2024, the result moved from € -880 to € 44,370. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.

What it is worth Growing

€ 157,656

▲ 39% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 44,370

▲ still € 880 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 13,245

▼ 77% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 151,456.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Wage cost

€ 62,011

▼ 20% 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.

Vehicles and equipment

€ 1,231

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 2 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 37,061

▼ 54% vs 2024

€ 23,975 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.

Owed to suppliers

€ 15,621

▲ 25% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 8,263

▼ 70% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 211,906 Gross margin 2022: € 211,906 First fiscal year in the series	€ 176,379 Gross margin 2023: € 176,379 ▼ 17% vs 2022 (€ 211,906) Unfavourable step	€ -12,030 Gross margin 2024: € -12,030 ▼ € 188,409 vs 2023 (€ 176,379) Unfavourable step	€ -2,002 Gross margin 2025: € -2,002 ▲ € 10,028 vs 2024 (€ -12,030) Favourable step	▲ € 10,028
Profit after taxes	€ 5,774 Profit after taxes 2022: € 5,774 First fiscal year in the series	€ 6,380 Profit after taxes 2023: € 6,380 ▲ 10% vs 2022 (€ 5,774) Favourable step	€ -880 Profit after taxes 2024: € -880 ▼ € 7,260 vs 2023 (€ 6,380) Unfavourable step	€ 44,370 Profit after taxes 2025: € 44,370 ▲ € 45,250 vs 2024 (€ -880) Favourable step	▲ € 45,250
Equity	€ 107,787 Equity 2022: € 107,787 First fiscal year in the series	€ 114,167 Equity 2023: € 114,167 ▲ 6% vs 2022 (€ 107,787) Favourable step	€ 113,286 Equity 2024: € 113,286 ▼ 1% vs 2023 (€ 114,167) Unfavourable step	€ 157,656 Equity 2025: € 157,656 ▲ 39% vs 2024 (€ 113,286) Favourable step	▲ 39%
Total debts	€ 352,706 Total debts 2022: € 352,706 First fiscal year in the series	€ 205,679 Total debts 2023: € 205,679 ▼ 42% vs 2022 (€ 352,706) Favourable step	€ 146,550 Total debts 2024: € 146,550 ▼ 29% vs 2023 (€ 205,679) Favourable step	€ 89,658 Total debts 2025: € 89,658 ▼ 39% vs 2024 (€ 146,550) Favourable step	▼ 39%
Cash	€ 217,217 Cash 2022: € 217,217 First fiscal year in the series	€ 96,316 Cash 2023: € 96,316 ▼ 56% vs 2022 (€ 217,217) Unfavourable step	€ 57,670 Cash 2024: € 57,670 ▼ 40% vs 2023 (€ 96,316) Unfavourable step	€ 13,245 Cash 2025: € 13,245 ▼ 77% vs 2024 (€ 57,670) Unfavourable step	▼ 77%
Land & buildings	€ 147,906 Land & buildings 2022: € 147,906 First fiscal year in the series	€ 123,389 Land & buildings 2023: € 123,389 ▼ 17% vs 2022 (€ 147,906) Unchanged	€ 98,187 Land & buildings 2024: € 98,187 ▼ 20% vs 2023 (€ 123,389) Unchanged	€ 73,012 Land & buildings 2025: € 73,012 ▼ 26% vs 2024 (€ 98,187) Unchanged	▼ 26%
Retained profit	€ 101,587 Retained profit 2022: € 101,587 First fiscal year in the series	€ 107,967 Retained profit 2023: € 107,967 ▲ 6% vs 2022 (€ 101,587) Favourable step	€ 107,086 Retained profit 2024: € 107,086 ▼ 1% vs 2023 (€ 107,967) Unfavourable step	€ 151,456 Retained profit 2025: € 151,456 ▲ 41% vs 2024 (€ 107,086) Favourable step	▲ 41%
Bank debt	€ 190,144 Bank debt 2022: € 190,144 First fiscal year in the series	€ 136,078 Bank debt 2023: € 136,078 ▼ 28% vs 2022 (€ 190,144) Favourable step	€ 80,514 Bank debt 2024: € 80,514 ▼ 41% vs 2023 (€ 136,078) Favourable step	€ 37,061 Bank debt 2025: € 37,061 ▼ 54% vs 2024 (€ 80,514) Favourable step	▼ 54%
Balance sheet total	€ 460,493 Balance sheet total 2022: € 460,493 First fiscal year in the series	€ 319,846 Balance sheet total 2023: € 319,846 ▼ 31% vs 2022 (€ 460,493) Unchanged	€ 259,837 Balance sheet total 2024: € 259,837 ▼ 19% vs 2023 (€ 319,846) Unchanged	€ 247,314 Balance sheet total 2025: € 247,314 ▼ 5% vs 2024 (€ 259,837) Unchanged	▼ 5%
Employees (FTE)	4.4 Employees (FTE) 2022: 4.4 First fiscal year in the series	1 Employees (FTE) 2023: 1 ▼ 3.4 vs 2022 (4.4) Unchanged	0.6 Employees (FTE) 2024: 0.6 ▼ 0.4 vs 2023 (1) Unchanged	0.5 Employees (FTE) 2025: 0.5 ▼ 0.1 vs 2024 (0.6) Unchanged	▼ 0.1

Key figures of ASSURANCES, CREDITS, PLACEMENTS 21, 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, CREDITS, PLACEMENTS 21?

What happened at ASSURANCES, CREDITS, PLACEMENTS 21 in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 44,370. filed late Source: NBB ↗
2023 Philippe GRACES became a director. NBB
Sep 1, 2007 New establishment in Arlon. KBO
Sep 8, 2004 Start of the company according to the CBE. KBO
Sep 1, 2004 New establishment in Habay. KBO

In short

From € 5,774 profit in 2022 to € 44,370 profit in 2025.

Paid € 952 in corporate taxes since 2022.

Best year ever: 2025, with € 44,370 profit.

On average € 176,400 of value added per employee in 2023.

Original PDFs at the National Bank ↗

Management

AssCoFisc SARL 9.7%

ASSURANCES, CREDITS, PLACEMENTS 21

Behind ASSURANCES, CREDITS, PLACEMENTS 21 is Philippe GRACES. The shares are held by AssCoFisc SARL (9.7%).

Directors

According to the 2025 annual accounts

Philippe GRACES

Director

since 2023

Shareholders

AssCoFisc SARL

9.7%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Avenue de la Gare 12

6720 Habay

2.166.018.710

Rue de Diekirch 40

6700 Arlon

Active since 1 September 2007

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 →

ASSURANCES, CREDITS, PLACEMENTS & IMMOBILIER

€ -704 gross margin · 2022

SANSERIF STUDIO

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0867.139.121

VAT number

BE 0867.139.121

Registered office

Avenue de la Gare 12, 6720 Habay

Names & denominations

ASSURANCES, CREDITS, PLACEMENTS 21 · A.C.P.21

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

8 September 2004

Peppol

Not registered

Activities · NACE

Bemiddeling in verband met exploitatie van en handel in onroerend goed

Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed

Activiteiten van verzekeringsagenten en -makelaars

Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis

View on CBE Public ↗ Annual accounts (NBB) ↗