Equity
€202,772 from €805,242 in 2015
Equity fell by 75% in 9 years.
Lheureux & Lavenne, assurances
Lifetime
18 annual accounts with figures on one time axis, 48 filings since 1977peak €584,929 (2018)
€577,598▲ 26.7%
lowest -€147,949 (2016)
€188,409▲ 243%
peak €805,242 (2015)
€202,772▼ 1.3%
€323,111▼ 7.8%
peak 8 FTE (2012)
5.5 FTEunchanged
Board4 names since 2018
-
Owners3 names in the annual accounts
Documentsfilings and deeds
28-08-202528 days late
2024financial year
Gross margin from €455,916 to €577,598Result from €54,925 to €188,4092 directors resigning 11-01Dividend €191,000Investments €82,136Cash from €260,352 to €145,124
Key points
from the 2024 annual accountsResult
€188,409 ▲ 243%
The result rose in 2024 from €54,925 to €188,409.
Filings
48 annual accounts 100 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Filing: One annual filing is missing
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 100 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline08-11-2026 today
raises risk · 2024 accounts filed 28 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
28 days late
2023
30 days late
2022
30 days late
2021
153 days late
2020
61 days late
2019
122 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 71 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
Board and ownership
last known board- CUVELIER ASSURANCES 100%equity €914,528 (2025) · 2025 annual accounts of CUVELIER ASSURANCES
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0413976006
2 directors resigning
Change of role: CUVELIER ASSURANCES, from managing director to sole director · Resignations: Alain Hanot et Cie and Guy CUVELIER (managing director) · Permanent representative: Guy CUVELIER · General meeting of 20-12-2023 · Gazette deed
First establishment
AXUR, Rue de Dour (B-C) 188, Boussu
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lheureux & Lavenne, assurances Boussu | €525,883 | €577,598 | 38.6% | 5.5 |
| AFC INSURANCE - ACRES Châtelet | €740,784 | €651,858 | 11.1% | 5.4 |
| FAVRIL ACCOUNTANCY Herentals | €607,059 | €606,282 | 33.4% | 6.9 |
| Jean Richard Dilbeek | €550,519 | €615,721 | 3.1% | 7.2 |
| ASSURANCES - PRETS SCHROEDER Spa | €462,392 | €523,902 | 45.1% | 5.6 |
| Ceuppens en Schuermans, verzekeringsmakelaars Boechout | €743,314 | €553,618 | 46.1% | 4.3 |
| Tournaisis Services Tournai | €619,909 | €364,402 | 43.1% | 4.6 |
These companies have the same main activity as Lheureux & Lavenne, assurances: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €462,000 and €743,000, founded between 1968 and 1986.
Official details
Source: KBO- Status
- Active since 01-12-1973Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2024
- Establishment unit
- 2.142.815.5187300 Boussu, since 01-01-1974
- Financial year end
- 31 December
- Peppol
- Reachable since 09-09-2026
Insights on Lheureux & Lavenne, assurances
Lheureux & Lavenne, assurances has existed since 1973. The gross margin grew from €214,721 in 2006 to €577,598 in 2024.
CUVELIER ASSURANCES holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Lheureux & Lavenne, assurances
- What is the company number of Lheureux & Lavenne, assurances?
- The company number of Lheureux & Lavenne, assurances is 0413.976.006. The VAT number is the same number with BE in front: BE 0413.976.006.
- Where is Lheureux & Lavenne, assurances based?
- The registered office is at Rue de Dour (B-B) 188, 7300 Boussu.Company details
- What does Lheureux & Lavenne, assurances do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of Lheureux & Lavenne, assurances?
- Lheureux & Lavenne, assurances is a public limited company (NV).
- When was Lheureux & Lavenne, assurances founded?
- Lheureux & Lavenne, assurances was founded on 01-12-1973.
- Is Lheureux & Lavenne, assurances still active?
- Yes, Lheureux & Lavenne, assurances is an active enterprise in the KBO register.
- How many employees does Lheureux & Lavenne, assurances have?
- Lheureux & Lavenne, assurances had an average of 5.5 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does Lheureux & Lavenne, assurances fall under?
- In its 2024 annual accounts, Lheureux & Lavenne, assurances states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of Lheureux & Lavenne, assurances?
- The turnover in financial year 2024 is ≈ €920,000. This figure is estimated from the gross margin of €577,598 and 31 comparable companies (NACE 66). It probably lies between €830,000 and €1.1m.
- Is Lheureux & Lavenne, assurances profitable?
- In financial year 2024, Lheureux & Lavenne, assurances made a profit of €188,409.
- Where can I find the annual accounts of Lheureux & Lavenne, assurances?
- Lheureux & Lavenne, assurances filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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