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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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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT from Mouscron, company number BE0882895384, closed financial year 2025 with a result of € 58,987 after tax. For that financial year BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT recorded a gross margin of € 193,545 and equity of € 194,693. Compared with financial year 2024, the result moved from € 57,691 to € 58,987. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 21, 2026.
€ 194,693
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,987
▲ 2% vs 2024
Profit after tax over the fiscal year.
€ 111,899
▲ 13% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 137,816 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
2.3
▲ 1.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 70,440
▲ 86% vs 2024
€ 30,600 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.
€ 12,636
▼ 38% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 40,635
▼ 33% vs 2024
€ 19,070 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 7,655
▲ € 6,180 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,496
▲ 28% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 98,316 | € 126,483 | € 154,197 | € 193,545 | ▲ 26% |
| Profit after taxes | € 35,456 | € 34,499 | € 57,691 | € 58,987 | ▲ 2% |
| Equity | € 181,332 | € 215,831 | € 273,522 | € 194,693 | ▼ 29% |
| Total debts | € 89,711 | € 97,632 | € 101,373 | € 98,786 | ▼ 3% |
| Cash | € 111,449 | € 69,658 | € 99,387 | € 111,899 | ▲ 13% |
| Land & buildings | € 98,452 | € 84,378 | € 70,304 | € 56,230 | ▼ 20% |
| Retained profit | € 175,132 | € 209,631 | € 267,322 | € 188,493 | ▼ 29% |
| Dividend | € 0 | € 0 | € 0 | € 137,816 | |
| Bank debt | € 73,638 | € 57,882 | € 60,438 | € 40,635 | ▼ 33% |
| Balance sheet total | € 271,044 | € 313,463 | € 374,895 | € 293,479 | ▼ 22% |
| Employees (FTE) | 10 | 1.3 | 1 | 2.3 | ▲ 1.3 |
Key figures of BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT, 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 BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT?
What happened at BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 58,987 (▲ 2% vs 2024). filed late Source: NBB ↗
- New establishment in Celles (lez-Tournai). KBO
- New establishment in Mouscron. KBO
- Michel Debucquoy became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 35,456 profit in 2022 to € 58,987 profit in 2025.
Paid € 96,876 in corporate taxes since 2022.
Best year ever: 2025, with € 58,987 profit.
On average € 84,100 of value added per employee in 2025.
A new publication or filing at BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT? We notify you, reason included.
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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 BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT is Michel Debucquoy.
Directors
According to the 2025 annual accounts
Michel Debucquoy
Director
since 2006
Establishments
Establishment units
Physical locations of this company
Rucquoystraat 2 box 1
7700 Mouscron
Rejet de Rhosnes 7
7760 Celles (lez-Tournai)
Active since 1 January 2024
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0882.895.384
- VAT number
- BE 0882.895.384
- Registered office
- Rucquoystraat 2 bus 1, 7700 Mouscron
- Names & denominations
- BUREAU D'ASSURANCES MICHEL DEBUCQUOY - HYPO CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 July 2006
- Peppol
- Not registered
- Contact
- 056/33.23.66
- Activities · NACE
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