Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 43 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
Life and Pension Insurance Broker from Overijse, company number BE0871071480, closed financial year 2024 with a result of € 85,605 after tax. For that financial year Life and Pension Insurance Broker recorded a gross margin of € 334,054 and equity of € 744,459. Compared with financial year 2023, the result moved from € -9,151 to € 85,605. 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 31, 2025.
€ 744,459
▲ 144% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 85,605
▲ still € 9,151 loss in 2023
Profit after tax over the fiscal year.
€ 18,000 paid out
21 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2024
€ 138,214
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 6,298
▲ € 4,913 vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 254,686
▲ 1% vs 2023
€ 70,716 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 300,337
▲ 96% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 124,334
▲ € 121,551 vs 2023
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|
| Gross margin | € 69,830 | € 91,801 | € 334,054 | ▲ 264% |
| Profit after taxes | € -53,157 | € -9,151 | € 85,605 | ▲ € 94,756 |
| Equity | € 314,669 | € 305,518 | € 744,459 | ▲ 144% |
| Total debts | € 705,876 | € 668,922 | € 697,545 | ▲ 4% |
| Land & buildings | € 767,676 | € 722,225 | € 1,107,551 | ▲ 53% |
| Retained profit | € 273,749 | € 264,598 | € 707,159 | ▲ 167% |
| Dividend | € 0 | € 0 | € 18,000 | |
| Bank debt | € 301,489 | € 253,138 | € 254,686 | ▲ 1% |
| Balance sheet total | € 1,020,545 | € 974,440 | € 1,442,003 | ▲ 48% |
Key figures of Life and Pension Insurance Broker, fiscal years 2022 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
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:
- New annual accounts for financial year 2024: profit of € 85,605. filed late Source: NBB ↗
- New establishment in Overijse. KBO
- New establishment in Oudergem. KBO
- Michel Desmet became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 53,157 loss in 2022 to € 85,605 profit in 2024.
Paid € 26,959 in corporate taxes since 2022.
Best year ever: 2024, with € 85,605 profit.
Paid out € 18,000 in dividends to the owners in total.
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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 Life and Pension Insurance Broker are Michel Desmet and Bella Muradashvili.
Directors
According to the 2024 annual accounts
Michel Desmet
Director
since 2022
Bella Muradashvili
Director
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.
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.