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 20 % of short-term debt in 2025; threshold 65 %.
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Figures corrected NBB
Corrected annual account filed for 2025.
Financials
Financial year 2025
Life and Pension Insurance Broker from Overijse, company number BE0871071480, closed financial year 2025 with a result of € 89,151 after tax. For that financial year Life and Pension Insurance Broker recorded a gross margin of € 368,859 and equity of € 833,610. Compared with financial year 2024, the result moved from € 85,605 to € 89,151. 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 October 15, 2026.
€ 833,610
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 89,151
▲ 4% vs 2024
Profit after tax over the fiscal year.
€ 441
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 796,310.
People and assets in 2025
€ 152,331
▲ 10% 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.
€ 2,585
▼ 59% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 204,634
▼ 20% vs 2024
€ 66,773 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 337,675
▲ 12% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 198,615
▲ 60% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 69,830 | € 91,801 | € 334,054 | € 368,859 | ▲ 10% |
| Profit after taxes | € -53,157 | € -9,151 | € 85,605 | € 89,151 | ▲ 4% |
| Equity | € 314,669 | € 305,518 | € 744,459 | € 833,610 | ▲ 12% |
| Total debts | € 705,876 | € 668,922 | € 697,545 | € 758,924 | ▲ 9% |
| Cash | - | - | - | € 441 | |
| Land & buildings | € 767,676 | € 722,225 | € 1,107,551 | € 1,315,501 | ▲ 19% |
| Retained profit | € 273,749 | € 264,598 | € 707,159 | € 796,310 | ▲ 13% |
| Dividend | € 0 | € 0 | € 18,000 | € 0 | ▼ 100% |
| Bank debt | € 301,489 | € 253,138 | € 254,686 | € 204,634 | ▼ 20% |
| Balance sheet total | € 1,020,545 | € 974,440 | € 1,442,003 | € 1,592,533 | ▲ 10% |
By gross margin, Life and Pension Insurance Broker ranks 1st of 7 companies with main activity “Algemene reiniging van gebouwen” in Overijse that publish figures (fiscal year 2025).
Key figures of Life and Pension Insurance Broker, 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.
Ask about Life and Pension Insurance Broker the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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What happened to Life and Pension Insurance Broker?
What happened at Life and Pension Insurance Broker in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
- Bella Muradashvili became a director. NBB
- New establishment in Overijse. KBO
- New establishment in Oudergem. KBO
- Michel Desmet became a director. NBB
- Incorporation, published in the Gazette. Source: Staatsblad ↗
In short
From € 53,157 loss in 2022 to € 89,151 profit in 2025.
Paid € 78,828 in corporate taxes since 2022.
Best year ever: 2025, with € 89,151 profit.
Paid out € 18,000 in dividends to the owners in total.
Management
Behind Life and Pension Insurance Broker are Michel Desmet and Bella Muradashvili.
Directors
According to the 2025 annual accounts
Michel Desmet
Director
since 2022
Bella Muradashvili
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Brabandtlaan 18
3090 Overijse
Herrmann-Debrouxlaan 54
1160 Oudergem
Active since 31 December 2023
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Similar companies in Overijse
Same main activity (Algemene reiniging van gebouwen), 7 active companies in Overijse, largest first.
€ 77,397 gross margin · 2022
€ 25,545 gross margin · 2024
€ 23,460 gross margin · 2025
€ 15,238 gross margin · 2025
€ -4,870 gross margin · 2025
€ -26,163 gross margin · 2024
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- DESMET MICHEL(vennoot) 90%
- MURADASHVILI BELLA(vennoot) 10%
Details
- Company number
- 0871.071.480
- VAT number
- BE 0871.071.480
- Registered office
- Brabandtlaan 18, 3090 Overijse
- Names & denominations
- Life and Pension Insurance Broker
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 2005
- Peppol
- Active · Active since 17 Jun 2025
- Contact
- [email protected]
- Activities · NACE
Algemene reiniging van gebouwen
Markt- en opinieonderzoek
Marktonderzoekbureaus
Overige werkzaamheden in verband met de afwerking van gebouwen
Overige reiniging van gebouwen; industriële reiniging
Overige zakelijke dienstverlening, neg
Overige zakelijke dienstverlening, n.e.g.