What does ALMA FINANCES ET ASSURANCES do?

ALMA FINANCES ET ASSURANCES is an insurance broker in Silly. Private Limited, started on 23 April 2007, 1 establishment.

What is the address of ALMA FINANCES ET ASSURANCES?

The registered office of ALMA FINANCES ET ASSURANCES is located at Rue du Veneur(Graty) 108, 7830 Silly.

Is ALMA FINANCES ET ASSURANCES still active?

Yes. According to the CBE (31 October 2026) ALMA FINANCES ET ASSURANCES is active, legal situation “Normale toestand”, started on 23 April 2007.

Is ALMA FINANCES ET ASSURANCES registered on Peppol?

No, ALMA FINANCES ET ASSURANCES is currently not registered on the Peppol network.

What is the enterprise number of ALMA FINANCES ET ASSURANCES?

The enterprise number of ALMA FINANCES ET ASSURANCES is BE0888940464.

When was ALMA FINANCES ET ASSURANCES founded?

ALMA FINANCES ET ASSURANCES was founded on 23 April 2007.

Who are the directors of ALMA FINANCES ET ASSURANCES?

According to the 2025 annual accounts, the directors of ALMA FINANCES ET ASSURANCES are: Laurent VAN OVERSTRAETEN.

Is ALMA FINANCES ET ASSURANCES a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 23 April 2007; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did ALMA FINANCES ET ASSURANCES make in 2025?

ALMA FINANCES ET ASSURANCES posted a profit after taxes of € 77,143 in financial year 2025.

What is the revenue of ALMA FINANCES ET ASSURANCES?

As a small company, ALMA FINANCES ET ASSURANCES is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 112,163.

ALMA FINANCES ET ASSURANCES (Private Limited) - Silly

Dossier ALMA FINANCES ET ASSURANCES, printed on 31 October 2026 from databakkes.be/en/0888940464/alma-finances-et-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.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

ALMA FINANCES ET ASSURANCES from Silly, company number BE0888940464, closed financial year 2025 with a result of € 77,143 after tax. For that financial year ALMA FINANCES ET ASSURANCES recorded a gross margin of € 112,163 and equity of € 792,182. Compared with financial year 2024, the result moved from € 79,240 to € 77,143. The company is profitable. 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 August 31, 2026.

What it is worth Healthy

€ 792,182

▼ 1% vs 2024

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

Profit Healthy

€ 77,143

▼ 3% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 167,227

▲ 42% vs 2024

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

Where the profit goes Pays out

€ 85,000 paid out

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

People and assets in 2025

Wage cost

€ 357

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

€ 8,684

▼ 52% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

€ 771

▼ 92% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 406

▼ 25% vs 2024

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

Taxes and wages

€ 28,563

▲ 69% 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	€ 136,959 Gross margin 2022: € 136,959 First fiscal year in the series	€ 99,611 Gross margin 2023: € 99,611 ▼ 27% vs 2022 (€ 136,959) Unfavourable step	€ 108,644 Gross margin 2024: € 108,644 ▲ 9% vs 2023 (€ 99,611) Favourable step	€ 112,163 Gross margin 2025: € 112,163 ▲ 3% vs 2024 (€ 108,644) Favourable step	▲ 3%
Profit after taxes	€ 78,731 Profit after taxes 2022: € 78,731 First fiscal year in the series	€ 58,882 Profit after taxes 2023: € 58,882 ▼ 25% vs 2022 (€ 78,731) Unfavourable step	€ 79,240 Profit after taxes 2024: € 79,240 ▲ 35% vs 2023 (€ 58,882) Favourable step	€ 77,143 Profit after taxes 2025: € 77,143 ▼ 3% vs 2024 (€ 79,240) Unfavourable step	▼ 3%
Equity	€ 661,917 Equity 2022: € 661,917 First fiscal year in the series	€ 720,799 Equity 2023: € 720,799 ▲ 9% vs 2022 (€ 661,917) Favourable step	€ 800,039 Equity 2024: € 800,039 ▲ 11% vs 2023 (€ 720,799) Favourable step	€ 792,182 Equity 2025: € 792,182 ▼ 1% vs 2024 (€ 800,039) Unfavourable step	▼ 1%
Total debts	€ 65,627 Total debts 2022: € 65,627 First fiscal year in the series	€ 36,492 Total debts 2023: € 36,492 ▼ 44% vs 2022 (€ 65,627) Favourable step	€ 36,735 Total debts 2024: € 36,735 ▲ 1% vs 2023 (€ 36,492) Unfavourable step	€ 116,466 Total debts 2025: € 116,466 ▲ 217% vs 2024 (€ 36,735) Unfavourable step	▲ 217%
Cash	€ 621,164 Cash 2022: € 621,164 First fiscal year in the series	€ 88,755 Cash 2023: € 88,755 ▼ 86% vs 2022 (€ 621,164) Unfavourable step	€ 118,121 Cash 2024: € 118,121 ▲ 33% vs 2023 (€ 88,755) Favourable step	€ 167,227 Cash 2025: € 167,227 ▲ 42% vs 2024 (€ 118,121) Favourable step	▲ 42%
Retained profit	€ 643,317 Retained profit 2022: € 643,317 First fiscal year in the series	€ 702,199 Retained profit 2023: € 702,199 ▲ 9% vs 2022 (€ 643,317) Favourable step	€ 781,439 Retained profit 2024: € 781,439 ▲ 11% vs 2023 (€ 702,199) Favourable step	€ 773,582 Retained profit 2025: € 773,582 ▼ 1% vs 2024 (€ 781,439) Unfavourable step	▼ 1%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 85,000 Dividend 2025: € 85,000 Unchanged (€ 0) Unchanged
Bank debt	€ 28,011 Bank debt 2022: € 28,011 First fiscal year in the series	€ 19,043 Bank debt 2023: € 19,043 ▼ 32% vs 2022 (€ 28,011) Favourable step	€ 9,964 Bank debt 2024: € 9,964 ▼ 48% vs 2023 (€ 19,043) Favourable step	€ 771 Bank debt 2025: € 771 ▼ 92% vs 2024 (€ 9,964) Favourable step	▼ 92%
Balance sheet total	€ 727,544 Balance sheet total 2022: € 727,544 First fiscal year in the series	€ 757,291 Balance sheet total 2023: € 757,291 ▲ 4% vs 2022 (€ 727,544) Unchanged	€ 836,775 Balance sheet total 2024: € 836,775 ▲ 10% vs 2023 (€ 757,291) Unchanged	€ 908,648 Balance sheet total 2025: € 908,648 ▲ 9% vs 2024 (€ 836,775) Unchanged	▲ 9%

Key figures of ALMA FINANCES ET 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 ALMA FINANCES ET ASSURANCES?

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

Aug 31, 2026 New annual accounts for financial year 2025: profit of € 77,143 (▼ 3% vs 2024). filed late Source: NBB ↗
Apr 23, 2007 New establishment in Silly. KBO
Apr 23, 2007 Start of the company according to the CBE. KBO
2007 Laurent VAN OVERSTRAETEN became a director. NBB

In short

From € 78,731 profit in 2022 to € 77,143 profit in 2025.

Paid € 121,936 in corporate taxes since 2022.

Best year ever: 2024, with € 79,240 profit.

Paid out € 85,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Laurent VAN OVERSTRAETEN

ALMA FINANCES ET ASSURANCES

Behind ALMA FINANCES ET ASSURANCES is Laurent VAN OVERSTRAETEN.

Directors

According to the 2025 annual accounts

Laurent VAN OVERSTRAETEN

Administrator-manager

since 2007

Establishments

Establishment units

Physical locations of this company

Registered office

Rue du Veneur(Graty) 108

7830 Silly

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

NotaVano

€ -1,416 gross margin · 2026

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

Details

Company number: 0888.940.464
VAT number: BE 0888.940.464
Registered office: Rue du Veneur(Graty) 108, 7830 Silly
Names & denominations: ALMA FINANCES ET ASSURANCES
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 23 April 2007
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗