Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-09-2026 at the NBB all 17 filings
Equity
€213,765▲ 6.4%
2024 · €200,825
Net result
€12,940▲ 103%
2024 · €6,362
Total assets
€241,509▼ 0.6%
2024 · €243,089
Solvency
88.5%▲ 5.9pp
2024 · 82.6%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 20% higher than in 2024 and the highest since 2021. It is the fourth rise in a row.
Operating result€15,384
2025
Net result€12,940
2025
Total assets€241,509
2025
Equity€213,765
2025
Debt€27,744
2025
Working capital€56,159
2025
Return on assets (ROA)5.4%
2025
Solvency88.5%
2025
Current ratio6.98
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€11,478-€15,284▲ 33.2%€23,599▲ 54.4%€5,199▼ 78.0%€5,543▲ 6.6%€11,234▲ 103%€12,859▲ 14.5%€15,384▲ 19.6%
Net result€1,853-€5,231▲ 182%€12,148within the sector's middle half▲ 132%-€1,097below the sector's middle half€472below the sector's middle half€4,069within the sector's middle half▲ 761%€6,362within the sector's middle half▲ 56.4%€12,940within the sector's middle half▲ 103%
Equity€171,278-€176,509▲ 3.1%€188,658within the sector's middle half▲ 6.9%€187,561within the sector's middle half▼ 0.6%€190,395within the sector's middle half▲ 1.5%€194,464within the sector's middle half▲ 2.1%€200,825within the sector's middle half▲ 3.3%€213,765within the sector's middle half▲ 6.4%
Total assets€289,484-€280,909▼ 3.0%€238,022within the sector's middle half▼ 15.3%€226,668within the sector's middle half▼ 4.8%€257,228within the sector's middle half▲ 13.5%€249,485within the sector's middle half▼ 3.0%€243,089within the sector's middle half▼ 2.6%€241,509within the sector's middle half▼ 0.6%
Debt€118,206-€104,400▼ 11.7%€49,365▼ 52.7%€39,107▼ 20.8%€66,833▲ 70.9%€55,021▼ 17.7%€42,264▼ 23.2%€27,744▼ 34.4%
Working capital-€49,470--€48,765▲ 1.4%€40,099within the sector's middle half€38,105within the sector's middle half▼ 5.0%€26,073within the sector's middle half▼ 31.6%€27,165within the sector's middle half▲ 4.2%€29,006within the sector's middle half▲ 6.8%€56,159within the sector's middle half▲ 93.6%
Solvency59.2%-62.8%▲ 3.7pp79.3%above the sector's middle half▲ 16.4pp82.7%above the sector's middle half▲ 3.5pp74.0%above the sector's middle half▼ 8.7pp77.9%above the sector's middle half▲ 3.9pp82.6%above the sector's middle half▲ 4.7pp88.5%above the sector's middle half▲ 5.9pp
Current ratio0.15-0.18▲ 0.023.81within the sector's middle half▲ 3.646.43above the sector's middle half▲ 2.622.59within the sector's middle half▼ 3.842.56within the sector's middle half▼ 0.032.63within the sector's middle half▲ 0.076.98above the sector's middle half▲ 4.35
Return on assets (ROA)0.6%-1.9%▲ 1.2pp5.1%within the sector's middle half▲ 3.2pp-0.5%below the sector's middle half▼ 5.6pp0.2%below the sector's middle half▲ 0.7pp1.6%within the sector's middle half▲ 1.4pp2.6%within the sector's middle half▲ 1.0pp5.4%within the sector's middle half▲ 2.7pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,509
Fixed assets
€175,954 ▼ 10.4%
Current assets
€65,555 ▲ 40.1%
Equity and liabilities €241,509
Equity
€213,765 ▲ 6.4%
Debt
€27,744 ▼ 34.4%
Debt's share of the balance-sheet total falls from 17.4% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.1%▲
2024 · 3.2%
Debt ≤ 1 year
€9,397▼
2024 · €17,799
Debt > 1 year
€18,348▼
2024 · €24,464
Income taxes
€3,192▼
2024 · €6,028
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Comparable companies
These companies have the same main activity as AMBRASSUR: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €188,000 and €347,000, founded between 2003 and 2014.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| AMBRASSUR Mouscron | 2009 | €241,509 | €213,765 | €16,426 | €12,940 | - | 2025 |
| ROMAN STEFAN Nazareth-De Pinte | 2005 | €202,539 | €173,930 | €21,655 | -€1,469 | - | 2025 |
| TWINSTON MANAGEMENT Crisnée | 2003 | €188,105 | €56,064 | €17,028 | -€1,641 | - | 2025 |
| VAL DE SAMBRE FINANCES Erquelinnes | 2009 | €269,042 | €145,906 | €26,990 | -€3,625 | - | 2025 |
| Confinance Tervuren | 2011 | €228,503 | €42,015 | €24,449 | €16,108 | 0 | 2025 |
| AM MANAGEMENT Ouffet | 2014 | €288,643 | €184,540 | €17,983 | €15,291 | - | 2025 |
| SLABBAERT MC Antwerpen | 2011 | €347,381 | €251,886 | €21,567 | €47,163 | - | 2025 |
They were chosen from the 3,255 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €10,659 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,291 | €10,191 | €10,021 | €9,976 | €8,129 | €9,891 | €10,211 | €989 | ▼ 90.3% |
| Other operating charges640/8 | - | - | - | €107 | - | - | - | €53 | - |
| Gross operating margin9900 | €21,823 | €25,528 | €33,751 | €15,282 | €13,671 | €21,125 | €23,070 | €16,426 | ▼ 28.8% |
| Operating profit (loss)9901 | €11,478 | €15,284 | €23,599 | €5,199 | €5,543 | €11,234 | €12,859 | €15,384 | ▲ 19.6% |
| Financial income75/76B | - | - | - | €0 | - | €1,051 | €1,495 | €2,166 | ▲ 45.0% |
| Recurring financial income75 | - | - | - | €0 | - | €1,051 | €1,495 | €2,166 | ▲ 45.0% |
| Financial charges65/66B | - | - | - | €2,183 | €2,187 | €2,191 | €1,964 | €1,418 | ▼ 27.8% |
| Recurring financial charges65 | €3,949 | €2,957 | €2,364 | €2,183 | €2,187 | €2,191 | €1,964 | €1,418 | ▼ 27.8% |
| Profit (loss) for the period before taxes9903 | €7,529 | €12,327 | €21,236 | €3,017 | €3,356 | €10,094 | €12,389 | €16,132 | ▲ 30.2% |
| Income taxes67/77 | €5,677 | €7,096 | €9,087 | €4,114 | €2,883 | €6,025 | €6,028 | €3,192 | ▼ 47.0% |
| Profit (loss) for the period9904 | €1,853 | €5,231 | €12,148 | -€1,097 | €472 | €4,069 | €6,362 | €12,940 | ▲ 103% |
| Profit (loss) for the period to be appropriated9905 | €1,853 | €5,231 | €12,148 | -€1,097 | €472 | €4,069 | €6,362 | €12,940 | ▲ 103% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €289,484 | €280,909 | €238,022 | €226,668 | €257,228 | €249,485 | €243,089 | €241,509 | ▼ 0.6% |
| Fixed assets21/28 | €280,565 | €270,374 | €183,673 | €181,545 | €214,789 | €204,897 | €196,284 | €175,954 | ▼ 10.4% |
| Tangible fixed assets22/27 | €30,129 | €19,938 | €9,917 | €7,789 | €41,033 | €31,141 | €22,528 | €2,198 | ▼ 90.2% |
| Land and buildings22 | - | - | - | €2,106 | €1,889 | €1,673 | €1,456 | €1,240 | ▼ 14.9% |
| Furniture and vehicles24 | - | - | - | - | €39,143 | €29,469 | €21,072 | €958 | ▼ 95.5% |
| Assets under construction and advance payments27 | - | - | - | €5,684 | - | - | - | - | - |
| Financial fixed assets28 | €250,436 | €250,436 | €173,756 | €173,756 | €173,756 | €173,756 | €173,756 | €173,756 | = |
| Current assets29/58 | €8,919 | €10,535 | €54,349 | €45,123 | €42,440 | €44,587 | €46,805 | €65,555 | ▲ 40.1% |
| Amounts receivable within one year40/41 | - | €2,904 | €47,031 | €22,126 | €36,719 | €35,934 | €44,453 | €55,823 | ▲ 25.6% |
| Other amounts receivable41 | - | - | - | €22,126 | €36,719 | €35,934 | €44,453 | €55,823 | ▲ 25.6% |
| Cash at bank and in hand54/58 | €8,919 | €7,631 | €7,318 | €22,996 | €5,720 | €8,654 | €2,352 | €9,337 | ▲ 297% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €396 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €289,484 | €280,909 | €238,022 | €226,668 | €257,228 | €249,485 | €243,089 | €241,509 | ▼ 0.6% |
| Equity10/15 | €171,278 | €176,509 | €188,658 | €187,561 | €190,395 | €194,464 | €200,825 | €213,765 | ▲ 6.4% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €14,008 | €181,361 | €184,195 | €188,264 | €194,625 | €207,565 | ▲ 6.6% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €179,501 | €182,335 | €186,404 | €192,765 | €205,705 | ▲ 6.7% |
| Profit (loss) carried forward14 | €163,218 | €168,449 | €168,449 | - | - | - | - | - | - |
| Amounts payable17/49 | €118,206 | €104,400 | €49,365 | €39,107 | €66,833 | €55,021 | €42,264 | €27,744 | ▼ 34.4% |
| Amounts payable after more than one year17 | €59,817 | €45,100 | €35,115 | €32,089 | €50,466 | €37,598 | €24,464 | €18,348 | ▼ 25.0% |
| Financial debts170/4 | - | - | - | €32,089 | €50,466 | €37,598 | €24,464 | €18,348 | ▼ 25.0% |
| Amounts payable within one year42/48 | €58,388 | €59,300 | €14,250 | €7,018 | €16,367 | €17,423 | €17,799 | €9,397 | ▼ 47.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €5,550 | €15,974 | €16,262 | €16,530 | €6,942 | ▼ 58.0% |
| Trade debts44 | - | €1,644 | €201 | €1,468 | €393 | €635 | €610 | €2,455 | ▲ 303% |
| Suppliers440/4 | - | - | - | €1,468 | €393 | €635 | €610 | €2,455 | ▲ 303% |
| Other amounts payable47/48 | - | - | - | - | - | €526 | €660 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,853 | €5,231 | €12,148 | -€1,097 | €472 | €4,069 | €6,362 | €12,940 | ▲ 103% |
| + Depreciation and write-downs630 | €10,291 | €10,191 | €10,021 | €9,976 | €8,129 | €9,891 | €10,211 | €989 | ▼ 90.3% |
| Operating cash flow (approximation) | €12,144 | €15,422 | €22,169 | €8,879 | €8,601 | €13,960 | €16,572 | €13,929 | ▼ 15.9% |
| Investment in fixed assets (approximation) | - | €0 | €76,680 | -€7,848 | -€41,372 | €0 | -€1,597 | €19,341 | - |
| Change in cash | - | -€1,288 | -€313 | €15,679 | -€17,276 | €2,933 | -€6,301 | €6,984 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-09-2026 | 2026-00540821 | NBB |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00444090 | |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00437026 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00423128 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20412122 | |
| 31-12-2020 | micro format | 16-07-2021 | 2021-37200538 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50200404 | |
| 31-12-2018 | micro format | 30-08-2019 | 2019-57100473 | |
| 31-12-2017 | micro format | 17-08-2018 | 2018-47200224 | |
| 31-12-2016 | micro format | 28-08-2017 | 2017-48800094 |