Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 2 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BCPL Assurfinances from Amel, company number BE1003157667, closed financial year 2025 with a result of € -4,986 after tax. For that financial year BCPL Assurfinances recorded a gross margin of € 16,370 and equity of € -14,899. Compared with financial year 2024, the result moved from € -19,913 to € -4,986. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 21, 2026.
€ -14,899
▼ € 4,986 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,986
▲ 75 % less loss than in 2024
Profit after tax over the fiscal year.
€ 10,950
▲ 258% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -24,899.
People and assets in 2025
€ 13,727
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,158
▼ 43% 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.
€ 1,248
▼ 13% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,002
Taxes, VAT and social contributions still to pay.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -15,919 | € 16,370 | ▲ € 32,290 |
| Profit after taxes | € -19,913 | € -4,986 | ▲ € 14,927 |
| Equity | € -9,913 | € -14,899 | ▼ € 4,986 |
| Total debts | € 33,369 | € 51,762 | ▲ 55% |
| Cash | € 3,061 | € 10,950 | ▲ 258% |
| Retained profit | € -19,913 | € -24,899 | ▼ € 4,986 |
| Balance sheet total | € 23,456 | € 36,863 | ▲ 57% |
Key figures of BCPL Assurfinances, fiscal years 2024 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 BCPL Assurfinances?
What happened at BCPL Assurfinances in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4,986. filed late Source: NBB ↗
- New establishment in Waimes. KBO
- New establishment in Amel. KBO
- Start of the company according to the CBE. KBO
- Véronique Leyens became a director. NBB
- Syntja Comes became a director. NBB
In short
From € 19,913 loss in 2024 to € 4,986 loss in 2025.
Management
Behind BCPL Assurfinances are Véronique Leyens and Syntja Comes.
Directors
According to the 2025 annual accounts
Véronique Leyens
Director
since 2023
Syntja Comes
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Halenfeld,Auf dem Hütel 23
4770 Amel
Rue des Courtis,Faymonville 1 box B
4950 Waimes
Active since 1 June 2024
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 1003.157.667
- VAT number
- BE 1003.157.667
- Registered office
- Halenfeld,Auf dem Hütel 23, 4770 Amel
- Names & denominations
- BCPL Assurfinances
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 December 2023
- Peppol
- Active · Active since 24 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars