Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 102.2 to 13.5.
Financials
Financial year 2025
INSAVER SUD from Herstal, company number BE0888476547, closed financial year 2025 with a result of € 1.6 million after tax. For that financial year INSAVER SUD recorded revenue of € 6.4 million and equity of € 1.7 million. Compared with financial year 2024, the result moved from € 436,263 to € 1.6 million. 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 June 5, 2026.
€ 1.7 million
▲ € 1.5 million vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.6 million
▲ 258% vs 2024
Profit after tax over the fiscal year.
€ 1.9 million
▲ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -4.2 million.
People and assets in 2025
13.5
▼ 26.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.3 million
▼ 50% vs 2024
€ 93,100 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.
€ 35,725
▼ 55% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1.5 million
▼ 62% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 105 days on average.
€ 30,300
▼ 81% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 23,443,045 | € 30,504,319 | € 17,415,175 | € 6,377,745 | ▼ 63% |
| Profit after taxes | € -2,920,649 | € -3,751,480 | € 436,263 | € 1,562,152 | ▲ 258% |
| Equity | € 5,708 | € -275,244 | € 149,798 | € 1,673,996 | ▲ € 1.5 million |
| Total debts | € 13,119,843 | € 11,707,828 | € 11,629,476 | € 2,317,088 | ▼ 80% |
| Cash | € 204,796 | € 582,132 | € 1,328,869 | € 1,916,650 | ▲ 44% |
| Land & buildings | € 810,375 | € 732,323 | € 621,300 | - | |
| Retained profit | € -2,529,974 | € -6,266,248 | € -5,814,780 | € -4,176,604 | ▲ € 1.6 million |
| Bank debt | € 5,922,311 | € 5,432,421 | € 4,818,521 | € 0 | ▼ 100% |
| Balance sheet total | € 14,217,406 | € 13,023,085 | € 13,349,443 | € 4,849,747 | ▼ 64% |
| Employees (FTE) | 119 | 102.2 | 40.1 | 13.5 | ▼ 26.6 |
Key figures of INSAVER SUD, 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 INSAVER SUD?
What happened at INSAVER SUD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- MIREKA SRL stepped down as director. NBB
- Stefan PIETERS stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 1.6 million (▲ 258% vs 2024). Source: NBB ↗
- Christophe. LECLERCQ stepped down as director. NBB
- GO4GROWTH SRL stepped down as director. NBB
- Stefan PIETERS became a director. NBB
- MIREKA SRL became a director. NBB
- Eric MERTENS stepped down as director. NBB
In short
From € 2.9 million loss in 2022 to € 1.6 million profit in 2025.
Paid € 23,046 in corporate taxes since 2022.
Best year ever: 2025, with € 1.6 million profit.
Pays suppliers within 105 days on average.
A new publication or filing at INSAVER SUD? 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
The stake of Luminus Services Sud, Insaver comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
INSAVER SUDThe shares are held by Luminus Services Sud (100%) and Insaver (100%).
Directors
According to the 2025 annual accounts
since 2025 · until 2032
since 2022 · until 2025
since 2022 · until 2025
Christophe LECLERCQ
Managing director
Also active at: ERVAC, NEWELEC, GESTION, FINANCE ET ADMINISTRATION, Luminus Services Sud
since 2022 · until 2025
Christophe. LECLERCQ
Personne déléguée à la gestion journalière
since 2022 · until 2026
since 2025 · until 2026
Stefan PIETERS
Director
since 2026 · until 2032
Shareholders
100%
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Fond des Fourches 23C
4041 Herstal
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0888.476.547
- VAT number
- BE 0888.476.547
- Registered office
- Rue du Fond des Fourches 23C, 4041 Herstal
- Names & denominations
- INSAVER SUD
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 April 2007
- Peppol
- Active · Active since 5 Jan 2026
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