Warning lights
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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Tight liquidity NBB
Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.
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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
ELLESASSUR@PHELCO from Oudergem, company number BE0892345758, closed financial year 2025 with a result of € 54,118 after tax. For that financial year ELLESASSUR@PHELCO recorded a gross margin of € 304,616 and equity of € 305,607. Compared with financial year 2024, the result moved from € 85,477 to € 54,118. 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 October 15, 2026.
€ 305,607
▼ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 54,118
▼ 37% vs 2024
Profit after tax over the fiscal year.
€ 126,039
▲ 62% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 72,879
▲ 1% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,057
▼ 62% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 166,749
▼ 33% vs 2024
€ 81,103 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 97,978
▲ 176% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 58,720
▲ € 49,196 vs 2024
Taxes, VAT and social contributions still to pay.
| 2021 | 2022 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 211,316 | € 210,492 | € 296,102 | € 304,616 | ▲ 3% |
| Profit after taxes | € 56,982 | € 84,270 | € 85,477 | € 54,118 | ▼ 37% |
| Equity | € 305,557 | € 389,827 | € 351,490 | € 305,607 | ▼ 13% |
| Total debts | € 526,792 | € 430,121 | € 426,325 | € 426,771 | |
| Cash | - | - | € 77,867 | € 126,039 | ▲ 62% |
| Retained profit | € 299,357 | € 383,627 | € 345,290 | € 299,407 | ▼ 13% |
| Dividend | € 0 | € 0 | € 110,000 | € 100,000 | ▼ 9% |
| Bank debt | € 502,806 | € 413,896 | € 247,963 | € 166,749 | ▼ 33% |
| Balance sheet total | € 832,349 | € 819,948 | € 777,815 | € 732,379 | ▼ 6% |
Key figures of ELLESASSUR@PHELCO, fiscal years 2021 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 ELLESASSUR@PHELCO?
What happened at ELLESASSUR@PHELCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 54,118 (▼ 37% vs 2024). filed late Source: NBB ↗
- Laurent Choda became a director. NBB
- New establishment in Oudergem. KBO
- Start of the company according to the CBE. KBO
In short
From € 56,982 profit in 2021 to € 54,118 profit in 2025.
Paid € 193,969 in corporate taxes since 2021.
Best year ever: 2024, with € 85,477 profit.
Paid out € 210,000 in dividends to the owners in total.
Management
The stake of LIVE - IN, Alexia de la Kethulle comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ELLESASSUR@PHELCOBehind ELLESASSUR@PHELCO are Laurent Choda and Geneviève Lissens. The shares are held by LIVE - IN (100%) and Alexia de la Kethulle (50%). It owns 100% of GDL Management itself.
Directors
According to the 2025 annual accounts
Laurent Choda
Director
since 2024
Geneviève Lissens
Administrator-manager
Shareholders
100%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Vorstlaan 49 box 18
1160 Oudergem
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
- 0892.345.758
- VAT number
- BE 0892.345.758
- Registered office
- Vorstlaan 49 bus 18, 1160 Oudergem
- Names & denominations
- ELLESASSUR@PHELCO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 September 2007
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars