L Finances et Assurances
L Finances et Assurances is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €97k and a net result of €136k. Its solvency ranks better than 22% of 773 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €97k |
| Net result | €136k |
| Staff (FTE) | 2.9 |
| Better than sector | 22% |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
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.
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 9.3% | 38.6% | |
| Net result | €136k | €28k | |
| Equity | €97k | €62k | |
| Gross operating margin | €383k | €66k | |
| Staff costs | €73k | €63k |
Show 4 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €136k |
| Cash flow | n/a |
| Staff costs | €73k |
| Income taxes | €24k |
| Dividends | - |
| Total assets | €1.04M |
| Equity | €97k |
| Debt | €947k |
| of which ≤ 1y | €195k |
| of which > 1y | €750k |
| Working capital | n/a |
| Employees (FTE) | 2.9 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 9.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 13.0% |
| ROE | 140.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.04M |
| Fixed assets | 21/28 | €877k |
| Intangible fixed assets | 21 | €870k |
| Tangible fixed assets | 22/27 | €5k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €167k |
| Amounts receivable within one year | 40/41 | €12k |
| Cash & bank | 54/58 | €116k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.04M |
| Equity | 10/15 | €97k |
| Contributions / capital | 10/11 | €30k |
| Reserves | 13 | €84k |
| Accumulated profits (losses) | 14 | €-18k |
| Amounts payable | 17/49 | €947k |
| Amounts payable after one year | 17 | €750k |
| Amounts payable within one year | 42/48 | €195k |
| Trade debts payable within one year | 44 | €35k |
| Income statement | ||
| Gross operating margin | 9900 | €383k |
| Operating result | 9901 | €203k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €44k |
| Result before taxes | 9903 | €159k |
| Income taxes | 67/77 | €24k |
| Net result for the period | 9904 | €136k |
| Result to be appropriated | 9905 | €51k |
| NACE primary | Agenten en makelaars in bankdiensten(66191) |
| Legal form | Private limited company(610) |
| Incorporation | 28-06-2023 |
| Status | Active |
| Postal code | 6001 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0108/00G007 | Wallonia | 480 m² | 1 · 142 m² | 11.9 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
10-05-2024 Registered office moved from Brabençon to Marcinelle
- Allée Faux Madame 24, 6500 Brabençon → Rue Sabatier 1-6001 Marcinelle
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "Rue Sabatier 1-6001 Marcinelle",
"city": "Marcinelle",
"region": "waals_gewest",
"street": "Rue Sabatier",
"country": "BE",
"postcode": "6001",
"box_number": null,
"street_number": "1",
"locality_suffix": null
},
"old_address": {
"raw": "All\u00E9e Faux Madame 24, 6500 Braben\u00E7on",
"city": "Braben\u00E7on",
"region": "foreign",
"street": "All\u00E9e Faux Madame",
"country": "FR",
"postcode": "6500",
"box_number": null,
"street_number": "24",
"locality_suffix": null
},
"effective_date": "2024-04-09",
"evidence_quote": "L\u0027Assembl\u00E9e accepte \u00E0 l\u0027unanimit\u00E9 le changement d\u0027adresse du si\u00E8ge social sis All\u00E9e Faux Madame 24-6500 Braben\u00E7on vers la nouvelle adresse: Rue Sabatier 1-6001 Marcinelle.",
"region_changed": true,
"is_statute_change": true,
"nationality_change": true,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": true,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Le Grertier",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": null,
"filing_date": "2024-04-09",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "algemene_vergadering",
"date": "2024-04-09",
"unanimous": true
},
"subject_company": {
"kbo": "0803.289.365",
"name_full": "L Financeset Assurances",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "org",
"org_kbo": null,
"org_name": "Moniteur belge",
"person_name": null,
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": []
}30-06-2023 Publication in the Belgian Official Gazette, Minor change
Technical details
{
"notary": {
"name": "Gilles FRANCE",
"firm_city": null,
"firm_name": null,
"office_city": "Gilly",
"is_associated": false
},
"act_meta": {
"language": "fr",
"pub_date": "2023-06-30",
"filing_date": "2023-06-28",
"act_kind_objet": "CONSTITUTION"
},
"decision": {
"body": "notarieel_alleen",
"date": "2023-06-23",
"unanimous": null
},
"agm_change": null,
"detected_kind": "other",
"other_address": null,
"mandate_renewal": {
"period_end": null,
"mandate_kind": "administrateur",
"period_start": null,
"remuneration_eur": null,
"remuneration_kind": null,
"person_or_entity_kbo": null,
"person_or_entity_name": "La SRL \u0022BMLM\u0022"
},
"subject_company": {
"kbo": "0803.289.365",
"name_full": "L Finances et Assurances",
"legal_form": "SRL"
},
"accounts_deposit": {
"filing_kind": null,
"fiscal_year_end": "2023-12-31",
"filing_reference": null
},
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null
},
"co_filed_documents": [
"Bijlagen bij het Belgisch Staatsblad - 30/06/2023 - Annexes du Moniteur belge"
],
"fiscal_year_change": {
"new_end_mm_dd": "12-31",
"old_end_mm_dd": null,
"new_start_mm_dd": "01-01",
"old_start_mm_dd": null,
"first_full_new_year": 2024,
"transition_period_end": "2023-12-31"
},
"liquidation_closure": null,
"officer_designation": {
"role": "administrateur",
"organ": "organe d\u2019administration",
"person_name": "La SRL \u0022BMLM\u0022"
},
"special_procuration": null,
"is_volet_a_only_stub": false,
"vakbekwaamheid_change": null,
"should_reroute_to_category": null,
"single_shareholder_declaration": null
}| Legal nameFR | L Finances et Assurances |
| Trade nameFR | L Finances et Assurances |