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AFC INSURANCE - ACRES

Active
Public limited company·Activiteiten van verzekeringsagenten en -makelaars· 46 yrs active
Rue de Liège 22 ·6200 Châtelet, Belgium
KBO/BCE: BE 0420.372.759
Watch Print / PDF
Age46 yrs
Real estate1 parcel · 475 m²

Summary

Conclusion

the dossier summarised in one paragraph

AFC INSURANCE - ACRES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-03-2026, 143 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 10-03-2026 143 d early 2026-00051391
31-12-2024 31-07-2025 24-03-2025 129 d early 2025-00052711
31-12-2023 31-07-2024 25-04-2024 97 d early 2024-00068613
31-12-2022 31-07-2023 08-04-2023 114 d early 2023-00056960
31-12-2021 31-07-2022 18-06-2022 43 d early 2022-20075416
31-12-2020 31-07-2021 19-07-2021 12 d early 2021-36900407
31-12-2019 31-07-2020 12-06-2020 49 d early 2020-16200313
31-12-2018 31-07-2019 26-06-2019 35 d early 2019-23400329
31-12-2017 31-07-2018 22-06-2018 39 d early 2018-22000196
31-12-2016 31-07-2017 27-07-2017 4 d early 2017-38000169

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1980, 46 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2025 volledig 10-03-2026 2026-00051391
31-12-2024 volledig 24-03-2025 2025-00052711
31-12-2023 volledig 25-04-2024 2024-00068613
31-12-2022 volledig 08-04-2023 2023-00056960
31-12-2021 volledig 18-06-2022 2022-20075416
31-12-2020 volledig 19-07-2021 2021-36900407
31-12-2019 volledig 12-06-2020 2020-16200313
31-12-2018 micro 26-06-2019 2019-23400329
31-12-2017 micro 22-06-2018 2018-22000196
31-12-2016 micro 27-07-2017 2017-38000169

Directors

Directors & mandates

9 directors
Current directors & mandates
  • MARIANI Arnaud
    Administratrice déléguée
    State Gazette act 22038938 (24-03-2022)
    Current
    17-03-2021 → present
    3 events
    • 24-03-2022 Appointed· Administratrice déléguée
    • 03-08-2021 Appointed· Administratrice déléguée
    • 17-03-2021 Appointed· Administrateur et représentant permanent
  • SRL ARNAUD MARIANILegal entity
    Director
    State Gazette act 21034144 (17-03-2021)
    Current
    17-03-2021 → present
  • BROUTA Florence
    Administratrice déléguée
    State Gazette act 22038938 (24-03-2022)
    Current
    13-05-2015 → present
    3 events
    • 24-03-2022 Appointed· Administratrice déléguée
    • 03-08-2021 Appointed· Administratrice déléguée
    • 13-05-2015 Appointed· Managing director
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • ALTERMAN J-M
    Managing director
    State Gazette act 15068961 (13-05-2015)
    Not recently confirmed
    last confirmed in an act from 2015
  • CHAMPAGNE B
    Managing director
    State Gazette act 15068961 (13-05-2015)
    Not recently confirmed
    last confirmed in an act from 2015
Permanent representatives (3)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
  • ALTERMAN Jean-Marie
    Représentant permanent
    State Gazette act 22038938 (24-03-2022)
    Permanent representative
    - → 24-03-2022
    2 events
    • 24-03-2022 Resigned· Représentant permanent
    • 24-03-2022 Resigned· Représentante permanente
  • CHAMPAGNE Bernard
    Représentant permanent
    State Gazette act 23021788 (14-02-2023)
    Permanent representative
    - → 14-02-2023
  • SPRL CHAMPAGNE MANAGEMENTLegal entity
    Représentante permanente
    State Gazette act 23021788 (14-02-2023)
    Permanent representative
    - → 14-02-2023
Former directors (4)
  • CHAMPAGNE Bernard
    Administratrice déléguée
    State Gazette act 22038938 (24-03-2022)
    Former
    03-08-2021 → 14-02-2023
    4 events
    • 14-02-2023 Resigned· Managing director
    • 14-02-2023 Resigned· Personne déléguée à la gestion journalière
    • 24-03-2022 Appointed· Administratrice déléguée
    • 03-08-2021 Appointed· Managing director
  • SPRL CHAMPAGNE MANAGEMENTLegal entity
    Director
    State Gazette act 23021788 (14-02-2023)
    Former
    - → 14-02-2023
    3 events
    • 14-02-2023 Resigned· Director
    • 14-02-2023 Resigned· Administratrice déléguée
    • 14-02-2023 Resigned· Personne déléguée à la gestion journalière
  • ALTERMAN Jean-Marie
    Managing director
    State Gazette act 21092471 (03-08-2021)
    Former
    03-08-2021 → 24-03-2022
    5 events
    • 24-03-2022 Resigned· Managing director
    • 24-03-2022 Resigned· Personne déléguée à la gestion journalière
    • 24-03-2022 Resigned· Director
    • 24-03-2022 Resigned· Administratrice déléguée
    • 03-08-2021 Appointed· Managing director
  • Philippe BELIN
    Director
    State Gazette act 15144648 (14-10-2015)
    Former
    - → 14-10-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Public limited company(014)
Incorporation29-02-1980
StatusActive
Postal code6200

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue de Liège 226200 Châtelet

Establishment units

1 location
AFC Insurance
Rue de Liège 22, 6200 ChâteletPersonenvervoer door de lucht
since 19882.035.554.896
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area475 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)1,174 m³
Tallest building13.9 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52013A0396/00Y009 Wallonia 475 m² 1 · 97 m² 13.9 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

9 acts
Address history · 1
13-05-2015
Registered-office move
All acts · 9 updated 3 years ago
2023
14-02-2023 7 resigning Director changes
  • CHAMPAGNE Bernard, Gedelegeerd bestuurder
  • CHAMPAGNE Bernard, Représentant permanent
  • CHAMPAGNE Bernard, Personne déléguée à la gestion journalière
  • SPRL CHAMPAGNE MANAGEMENT, Bestuurder
  • SPRL CHAMPAGNE MANAGEMENT, Administratrice déléguée
  • SPRL CHAMPAGNE MANAGEMENT, Représentante permanente
  • SPRL CHAMPAGNE MANAGEMENT, Personne déléguée à la gestion journalière
Summary: v3.2
2022
21-06-2022 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Sophie BELLOTTO
Summary: otherNotary: Sophie BELLOTTO · Châtelet
24-03-2022 3 directors appointed, 7 resigning Director changes
  • BROUTA Florence, Administratrice déléguée
  • MARIANI Arnaud, Administratrice déléguée
  • CHAMPAGNE Bernard, Administratrice déléguée
  • ALTERMAN Jean-Marie, Gedelegeerd bestuurder
  • ALTERMAN Jean-Marie, Représentant permanent
  • ALTERMAN Jean-Marie, Personne déléguée à la gestion journalière
  • ALTERMAN Jean-Marie, Bestuurder
  • ALTERMAN Jean-Marie, Administratrice déléguée
Summary: v3.2
2021
03-08-2021 4 directors appointed Director changes
  • MARIANI Arnaud, Administratrice déléguée
  • BROUTA Florence, Administratrice déléguée
  • CHAMPAGNE Bernard, Gedelegeerd bestuurder
  • ALTERMAN Jean-Marie, Gedelegeerd bestuurder
Summary: v3.2
17-03-2021 2 directors appointed Director changes
  • SRL ARNAUD MARIANI, Bestuurder
  • Arnaud Mariani, Administrateur et représentant permanent
Summary: v3.2
2016
29-02-2016 Articles of association amended Statutes amendment
Summary: v3.2
2015
14-10-2015 Philippe BELIN resigns as director Director changes
  • Philippe BELIN, Bestuurder
Summary: v3.2
13-05-2015 Registered office established in Montigny-le-Tilleul Registered-office change·notary's full name (to be filled if available)
  • Rue de Liège, 22 6200 Châtelineau → 6110 Montigny-le-Tilleul, rue de la Station, 227
Notary: notary's full name (to be filled if available) · Charleroi
2009
20-04-2009 Articles of association amended Statutes amendment
Summary: v3.2

Analysis

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 482 of the 4,663 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsmakelaars en -agenten67201
Primary activity highlighted.
Names & trade names
Legal nameFR AFC INSURANCE - ACRES
Registered office
Rue de Liège 22
6200 Châtelet, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.