What does CUVELIER ASSURANCES do?

CUVELIER ASSURANCES is an insurance broker in Hensies. Private Limited, started on 18 July 2006, 1 establishment.

What is the address of CUVELIER ASSURANCES?

The registered office of CUVELIER ASSURANCES is located at Rue Jean Jaurès(TH) 10 box B, 7350 Hensies.

Is CUVELIER ASSURANCES still active?

Yes. According to the CBE (29 October 2026) CUVELIER ASSURANCES is active, legal situation “Normale toestand”, started on 18 July 2006.

Is CUVELIER ASSURANCES registered on Peppol?

Yes, CUVELIER ASSURANCES is registered on the Peppol network with ID 0208:0882588944.

What is the enterprise number of CUVELIER ASSURANCES?

The enterprise number of CUVELIER ASSURANCES is BE0882588944.

When was CUVELIER ASSURANCES founded?

CUVELIER ASSURANCES was founded on 18 July 2006.

Who are the directors of CUVELIER ASSURANCES?

According to the 2025 annual accounts, the directors of CUVELIER ASSURANCES are: Guy Cuvelier.

Is CUVELIER ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 18 July 2006; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did CUVELIER ASSURANCES make in 2025?

CUVELIER ASSURANCES posted a profit after taxes of € 207,577 in financial year 2025.

What is the revenue of CUVELIER ASSURANCES?

As a small company, CUVELIER ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 636,298.

How much does an employee at CUVELIER ASSURANCES earn?

The average wage cost per full-time employee at CUVELIER ASSURANCES was € 56,200 in 2025: staff costs of € 528,482 for 9.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does CUVELIER ASSURANCES have?

According to the 2025 annual accounts, CUVELIER ASSURANCES has 9.4 full-time equivalents (FTE).

CUVELIER ASSURANCES (Private Limited) - Hensies

Dossier CUVELIER ASSURANCES, printed on 29 October 2026 from databakkes.be/en/0882588944/cuvelier-assurances. 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.

Tight liquidity NBB

Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

CUVELIER ASSURANCES from Hensies, company number BE0882588944, closed financial year 2025 with a result of € 207,577 after tax. For that financial year CUVELIER ASSURANCES recorded a gross margin of € 636,298 and equity of € 914,528. Compared with financial year 2024, the result moved from € 80,448 to € 207,577. 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 September 21, 2026.

What it is worth Healthy

€ 914,528

▼ 9% vs 2024

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

Profit Growing

€ 207,577

▲ 158% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 320,029

▲ 2% vs 2024

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

Where the profit goes Pays out

€ 296,751 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

9.4

▲ 0.9 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 528,482

▲ 7% vs 2024

€ 56,200 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.

Vehicles and equipment

€ 11,613

▼ 18% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 3 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.

€ 512,182

▼ 29% vs 2024

€ 194,519 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 26,516

▲ € 21,244 vs 2024

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

Taxes and wages

€ 108,187

▼ 5% 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	€ 549,770 Gross margin 2022: € 549,770 First fiscal year in the series	€ 678,997 Gross margin 2023: € 678,997 ▲ 24% vs 2022 (€ 549,770) Favourable step	€ 604,524 Gross margin 2024: € 604,524 ▼ 11% vs 2023 (€ 678,997) Unfavourable step	€ 636,298 Gross margin 2025: € 636,298 ▲ 5% vs 2024 (€ 604,524) Favourable step	▲ 5%
Profit after taxes	€ 205,597 Profit after taxes 2022: € 205,597 First fiscal year in the series	€ 160,357 Profit after taxes 2023: € 160,357 ▼ 22% vs 2022 (€ 205,597) Unfavourable step	€ 80,448 Profit after taxes 2024: € 80,448 ▼ 50% vs 2023 (€ 160,357) Unfavourable step	€ 207,577 Profit after taxes 2025: € 207,577 ▲ 158% vs 2024 (€ 80,448) Favourable step	▲ 158%
Equity	€ 1,488,649 Equity 2022: € 1,488,649 First fiscal year in the series	€ 1,649,006 Equity 2023: € 1,649,006 ▲ 11% vs 2022 (€ 1,488,649) Favourable step	€ 1,003,701 Equity 2024: € 1,003,701 ▼ 39% vs 2023 (€ 1,649,006) Unfavourable step	€ 914,528 Equity 2025: € 914,528 ▼ 9% vs 2024 (€ 1,003,701) Unfavourable step	▼ 9%
Total debts	€ 1,665,110 Total debts 2022: € 1,665,110 First fiscal year in the series	€ 1,467,986 Total debts 2023: € 1,467,986 ▼ 12% vs 2022 (€ 1,665,110) Favourable step	€ 1,969,876 Total debts 2024: € 1,969,876 ▲ 34% vs 2023 (€ 1,467,986) Unfavourable step	€ 2,022,952 Total debts 2025: € 2,022,952 ▲ 3% vs 2024 (€ 1,969,876) Unfavourable step	▲ 3%
Cash	€ 113,530 Cash 2022: € 113,530 First fiscal year in the series	€ 136,717 Cash 2023: € 136,717 ▲ 20% vs 2022 (€ 113,530) Favourable step	€ 314,638 Cash 2024: € 314,638 ▲ 130% vs 2023 (€ 136,717) Favourable step	€ 320,029 Cash 2025: € 320,029 ▲ 2% vs 2024 (€ 314,638) Favourable step	▲ 2%
Land & buildings	€ 604,926 Land & buildings 2022: € 604,926 First fiscal year in the series	€ 578,644 Land & buildings 2023: € 578,644 ▼ 4% vs 2022 (€ 604,926) Unchanged	€ 581,140 Land & buildings 2024: € 581,140 Unchanged (€ 578,644) Unchanged	€ 570,817 Land & buildings 2025: € 570,817 ▼ 2% vs 2024 (€ 581,140) Unchanged	▼ 2%
Retained profit	€ 1,468,649 Retained profit 2022: € 1,468,649 First fiscal year in the series	€ 1,629,006 Retained profit 2023: € 1,629,006 ▲ 11% vs 2022 (€ 1,468,649) Favourable step	€ 983,701 Retained profit 2024: € 983,701 ▼ 40% vs 2023 (€ 1,629,006) Unfavourable step	€ 894,528 Retained profit 2025: € 894,528 ▼ 9% vs 2024 (€ 983,701) Unfavourable step	▼ 9%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 725,752 Dividend 2024: € 725,752 Unchanged (€ 0) Unchanged	€ 296,751 Dividend 2025: € 296,751 ▼ 59% vs 2024 (€ 725,752) Unchanged	▼ 59%
Bank debt	€ 1,160,536 Bank debt 2022: € 1,160,536 First fiscal year in the series	€ 945,848 Bank debt 2023: € 945,848 ▼ 18% vs 2022 (€ 1,160,536) Favourable step	€ 723,363 Bank debt 2024: € 723,363 ▼ 24% vs 2023 (€ 945,848) Favourable step	€ 512,182 Bank debt 2025: € 512,182 ▼ 29% vs 2024 (€ 723,363) Favourable step	▼ 29%
Balance sheet total	€ 3,198,096 Balance sheet total 2022: € 3,198,096 First fiscal year in the series	€ 3,159,842 Balance sheet total 2023: € 3,159,842 ▼ 1% vs 2022 (€ 3,198,096) Unchanged	€ 3,014,942 Balance sheet total 2024: € 3,014,942 ▼ 5% vs 2023 (€ 3,159,842) Unchanged	€ 2,977,359 Balance sheet total 2025: € 2,977,359 ▼ 1% vs 2024 (€ 3,014,942) Unchanged	▼ 1%
Employees (FTE)	7.6 Employees (FTE) 2022: 7.6 First fiscal year in the series	8.3 Employees (FTE) 2023: 8.3 ▲ 0.7 vs 2022 (7.6) Unchanged	8.5 Employees (FTE) 2024: 8.5 ▲ 0.2 vs 2023 (8.3) Unchanged	9.4 Employees (FTE) 2025: 9.4 ▲ 0.9 vs 2024 (8.5) Unchanged	▲ 0.9

Key figures of CUVELIER 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 CUVELIER ASSURANCES?

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

Sep 21, 2026 New annual accounts for financial year 2025: profit of € 207,577 (▲ 158% vs 2024). filed late Source: NBB ↗
Aug 1, 2006 New establishment in Hensies. KBO
Jul 18, 2006 Start of the company according to the CBE. KBO

In short

From € 205,597 profit in 2022 to € 207,577 profit in 2025.

Paid € 173,445 in corporate taxes since 2022.

Best year ever: 2025, with € 207,577 profit.

On average € 67,700 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Guy Cuvelier

CUVELIER ASSURANCES

Lheureux & Lavenne Assurances 100%

Behind CUVELIER ASSURANCES is Guy Cuvelier. It owns 100% of Lheureux & Lavenne Assurances itself.

Directors

According to the 2025 annual accounts

Guy Cuvelier

Manager

Also active at: Lheureux & Lavenne, assurances, A. LAVENNE ASSURFINANCE, LA PREVOTE, JOSE MAHIEU ET GUY CUVELIER, GCLW, MIND DEVLOPMENT RETAIL

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Jean Jaurès(TH) 10 box B

7350 Hensies

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 →

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€ 243,380 gross margin · 2025

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€ 213,481 gross margin · 2025

APPAL

€ 3,450 gross margin · 2025

TECOM

€ 650,360 gross margin · 2025

Cuvelier Bastien, Assurances

€ 335,343 gross margin · 2025

+1 more

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

Details

Company number

0882.588.944

VAT number

BE 0882.588.944

Registered office

Rue Jean Jaurès(TH) 10 bus B, 7350 Hensies

Names & denominations

CUVELIER ASSURANCES

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

18 July 2006

Peppol

Active · Active since 25 Aug 2026

Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Verzekeringsmakelaars en -agenten

View on CBE Public ↗ Annual accounts (NBB) ↗

CUVELIER ASSURANCES

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Financials

What happened to CUVELIER ASSURANCES?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions