Financials
Financial year 2025
FIVE INSURANCE COMPANY from Namur, company number BE0867376770, closed financial year 2025 with a result of € -8,935 after tax. For that financial year FIVE INSURANCE COMPANY recorded a gross margin of € 196,622 and equity of € 391,866. Compared with financial year 2024, the result moved from € 117,261 to € -8,935. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 31, 2025.
€ 391,866
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -8,935
▼ still € 117,261 profit in 2024
Profit after tax over the fiscal year.
€ 32,094
▼ 86% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 251,866.
People and assets in 2025
2.3
▲ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 125,237
▲ 15% vs 2024
€ 54,500 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.
€ 15,983
▼ 22% vs 2024
Of which on lease € 7,171.
Debts at end 2025
€ 373,940
▼ 18% vs 2024
€ 57,986 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 3.4 million
▲ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 36,760
▼ 53% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,580,219 | € 1,688,091 | € 1,951,445 | - | |
| Gross margin | € 278,137 | € 236,891 | € 344,427 | € 196,622 | ▼ 43% |
| Profit after taxes | € 99,015 | € 40,768 | € 117,261 | € -8,935 | ▼ € 126,197 |
| Equity | € 363,722 | € 404,490 | € 400,802 | € 391,866 | ▼ 2% |
| Total debts | € 2,053,566 | € 2,302,246 | € 3,466,157 | € 3,842,114 | ▲ 11% |
| Cash | € 16,062 | € 11,220 | € 232,701 | € 32,094 | ▼ 86% |
| Land & buildings | € 391,596 | € 379,749 | € 372,535 | € 418,423 | ▲ 12% |
| Retained profit | € 223,722 | € 264,490 | € 260,802 | € 251,866 | ▼ 3% |
| Dividend | € 0 | € 0 | € 120,950 | € 0 | ▼ 100% |
| Bank debt | € 508,204 | € 500,082 | € 455,137 | € 373,940 | ▼ 18% |
| Balance sheet total | € 2,488,043 | € 2,774,902 | € 3,932,536 | € 4,296,969 | ▲ 9% |
| Employees (FTE) | 2.5 | 2.1 | 2 | 2.3 | ▲ 0.3 |
Key figures of FIVE INSURANCE COMPANY, 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 October 2026.
What happened to FIVE INSURANCE COMPANY?
What happened at FIVE INSURANCE COMPANY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 8,936 (▼ € 126,197 vs 2024). Source: NBB ↗
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 99,015 profit in 2022 to € 8,936 loss in 2025.
Paid € 72,337 in corporate taxes since 2022.
Best year ever: 2024, with € 117,261 profit.
On average € 85,500 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
The stake of GROUPE 3D comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FIVE INSURANCE COMPANYBehind FIVE INSURANCE COMPANY are MARC-ANTOINE HENROZ, GROUPE 3D SA, FREDERIC PAULY, FRANCOIS-XAVIER BELLOT, CHRISTOPHE MURACCINI and ETIENNE VERHOEVEN. The shares are held by GROUPE 3D (99.8%).
Directors
According to the 2025 annual accounts
MARC-ANTOINE HENROZ
Director
Director · represented by PHILIPPE DENIS
Also active at: OFAC + ASSURANCES, FIVE WALIMMO, FIVE FOOD, Ofac+ Risk Management
FREDERIC PAULY
Director
Also active at: OFAC + ASSURANCES, WALITAS, HOLISTICA, CENTRE DE SERVICES LUXVERT, GROUPE 3D
FRANCOIS-XAVIER BELLOT
Director
CHRISTOPHE MURACCINI
Director
ETIENNE VERHOEVEN
Director
NATACHA JEROUVILLE
Director
FREDERIC LERNOUX
Director
PHILIPPE DENIS
Director
Also active at: Secrétariat Social des Classes Moyennes, Service d'Assistance technique et de Gestion en faveur des Petites et Moyennes Entreprises, Caisse wallonne d'assurances sociales des classes moyennes - Caisse d'assurances sociales de l'Union des classes moyennes, Union des Classes Moyennes National, Association pour la Promotion des Editions en Faveur des Classes Moyennes, OFAC + ASSURANCES, Mission régionale pour l'Emploi du Luxembourg, FIVE WALIMMO +8 more
CHRISTOPHE PICARD
Director
JACQUELINE HARDY
Director
Shareholders
99.8%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Chaussée de Marche(EP) 486
5101 Namur
Chaussée de Marche(EP) 482
5101 Namur
Active since 14 September 2004
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →FIVE WALIMMO same network
€ -10,319 gross margin · 2025
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€ -2,164 gross margin · 2025
BeCap Invest same network
€ 142,639 gross margin · 2025
GROUPE 3D same network
€ 448,316 gross margin · 2025
Camerone NewCo Belgium
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Self-hosted
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0867.376.770
- VAT number
- BE 0867.376.770
- Registered office
- Chaussée de Marche(EP) 486, 5101 Namur
- Names & denominations
- FIVE INSURANCE COMPANY
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 September 2004
- Peppol
- Active · Active since 19 Sept 2026
- Contact
- five-insurance.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten