Equity
€3.4m ▲ 653%
GNCI paid out €3.3m in dividends. That is 73% of the 2025 profit.
GNCI
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1989peak €2.1m (2025)
€2.1m▲ 221%
peak €4.5m (2025)
€4.5m▲ 14×
peak €3.4m (2025)
€3.4m▲ 653%
€5.4m▲ 54×
peak 10.3 FTE (2025)
10.3 FTE
Board5 names since 2024
1 directorVICAPHI
Owners
100%vicaphi
Documentsfilings and deeds
22-07-20269 days before the deadline
2025abbreviated format
Gross margin from €646,562 to €2.1mResult from €329,381 to €4.5m2 directors appointed 20-08Merger: JUCO FINANCE takes over C&S HAUBERT 02-04Merger proposal: JUCO FINANCE takes over C & S HAUBERT 05-02Dividend €3.3m
Key points
from the 2025 annual accountsResult
€4.5m ▲ 14×
The result rose in 2025: merger with C & S HAUBERT.
Debts
€5.4m ▲ 54×
Debts rose by €5.3m in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Investments
€3.0m 13.0 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.53 was 5.62 in 2024
Short-term debts rose from €68,410 to €5.1m.
Restructuring
6
6 restructurings since 2024. Latest: branch transferred to GNC FINANCES.
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.
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal, which does not raise the risk
1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
30 days late
2023
30 days late
2022
31 days late
2021
31 days late
2020
26 days late
2019
96 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 34 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- vicaphi 100%score 53equity -€317,978 (2025) · 2025 annual accounts of vicaphi
Shares in 2 companies, SERVICES FINANCES LAMBEAUX and GNC finances
Board & ownershipRecent changes
Demerger: GNCI splits off to GNC Finances
“1.1. L'activité d'intermédiaire d'assurances au sens de la législation belge et internationale relative à…” (deed in French) · Gazette deed
Demerger proposal: GNCI splits off to GNC FINANCES
VICAPHI SRL holds all the shares · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0436360537
2 directors appointed
H by C Management (day-to-day manager) and FONTANOVA (day-to-day manager) · Permanent representatives: Catherine HAUBERT and Vianel FONTAINE · Board meeting of 30-07-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GNCI Namur | €8.8m | €2.1m | 38.7% | 10.3 |
| AGIFRA Braine-l'Alleud | €8.3m | €2.2m | 52.2% | 12.2 |
| Ides Ramboer Lichtervelde | €9.1m | €1.3m | 77.0% | 9.9 |
| Catherine de Buyl Horse Insurance Péruwelz | €5.9m | €1.5m | 16.4% | 13 |
| Gorris Verzekeringen Heist-op-den-Berg | €5.5m | €1.8m | 26.2% | 7.8 |
| ASSURTEAM Woluwe-Saint-Pierre | €5.3m | €2.2m | 48.6% | 13.1 |
| SOLVAS RISK Lievegem | €6.5m | €1.8m | 9.8% | 16.5 |
These companies have the same main activity as GNCI: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €5.3m and €9.1m, founded between 1979 and 1989.
Official details
Source: KBO- Status
- Active since 10-11-1988Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 1 other
- Establishment units
- 2.041.677.5765100 Namur, since 17-01-1989
- 2.372.880.5145100 Namur, since 13-03-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Annual accounts 2025
- €8.8m▲ 16×
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on GNCI
GNCI files the abbreviated format. That format states no turnover. The gross margin rose from €99,225 in 2006 to €2.1m in 2025.
vicaphi holds all the shares. In August 2025, the Official Gazette published the appointment of FONTANOVA as managing director.
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 GNCI
- What is the company number of GNCI?
- The company number of GNCI is 0436.360.537. The VAT number is the same number with BE in front: BE 0436.360.537.
- Where is GNCI based?
- The registered office is at Rue de Jausse 101, 5100 Namur.Company details
- What does GNCI do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of GNCI?
- GNCI is a private limited company (BV).
- When was GNCI founded?
- GNCI was founded on 10-11-1988.
- Is GNCI still active?
- Yes, GNCI is an active enterprise in the KBO register.
- How many employees does GNCI have?
- GNCI had an average of 10.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of GNCI?
- The turnover in financial year 2025 is ≈ €3.6m. This figure is estimated from the gross margin of €2.1m and 1,585 comparable companies of the same size. It probably lies between €2.4m and €5.9m. It is a rough estimate.
- Is GNCI profitable?
- In financial year 2025, GNCI made a profit of €4.5m.
- Where can I find the annual accounts of GNCI?
- GNCI filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GNCI due?
- GNCI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.