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VAL DE SAMBRE FINANCES

Active Risk: not assessed
Private limited companyfounded 2009active for 17 yearsRue Albert Ier 280, 6560 Erquelinnes, BelgiumKBO/BCE: BE 0809.890.117
Summary

VAL DE SAMBRE FINANCES is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €145,906 and a net result of -€3,625. Equity has been shrinking by about 3.8% per year since 2018. Its solvency ranks better than 54% of 3,056 sector peers (NACE 66, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

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VAL DE SAMBRE FINANCESActive
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Overview

Official details

Source: KBO
Status
Active since 18-02-2009 Normal situation
Activity
Insurance agents and brokers NACE 66220
Joint committee
341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2022
Establishment unit
2.179.819.137 6560 Erquelinnes, since 07-08-2009
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Loss
€3,625
▼ 23.9%
Equity
€145,906
▼ 2.4%
Total assets
€269,042
▼ 6.4%
  • 2025 accounts filed 38 days after the deadline
Financials
Signalsraises risk2025 accounts filed 38 days lateShow the evidence

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.

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Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 38 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 filings
Deviation from the deadline
2025
38 days late
2024
27 days late
2023
19 days early
2022
5 days early
2021
17 days early
2020
19 days early
2019
25 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 4 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 26 July (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 3 loss-making years in a rowloss in financial year 2025 -€3,625 View
  • Caution: Lower net result than 86% of companies in auxiliary financial servicessector median €32,473 · 3,057 companies -€3,625 View

Recent changes

  1. · Gazette deed Change of role: Fabrice DAUBIE, from manager to director
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as VAL DE SAMBRE FINANCES: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €215,000 and €330,000, founded between 2004 and 2012.

CompanyTotal assetsGross margin
VAL DE SAMBRE FINANCES Erquelinnes€269,042€26,990
GEENENS MANAGEMENT Mouscron€299,004€34,997
CAP ASSURANCES Bouillon€230,295€27,770
Confinance Tervuren€228,503€24,449
DALFINO Rotselaar€215,341€33,243
J'ET Bilzen-Hoeselt€230,247€30,699
ThreeFinancE Brussel€329,534€25,869
Full comparison

Key facts about VAL DE SAMBRE FINANCES
What is the company number of VAL DE SAMBRE FINANCES?
The company number of VAL DE SAMBRE FINANCES is 0809.890.117. The VAT number is the same number with BE in front: BE 0809.890.117.
Where is VAL DE SAMBRE FINANCES based?
The registered office is at Rue Albert Ier 280, 6560 Erquelinnes.Company details
What does VAL DE SAMBRE FINANCES do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of VAL DE SAMBRE FINANCES?
The legal form of VAL DE SAMBRE FINANCES is Private limited company (BV).
When was VAL DE SAMBRE FINANCES founded?
VAL DE SAMBRE FINANCES was founded on 18-02-2009.
Is VAL DE SAMBRE FINANCES still active?
Yes, VAL DE SAMBRE FINANCES is an active enterprise in the KBO register.
How many employees does VAL DE SAMBRE FINANCES have?
VAL DE SAMBRE FINANCES had an average of 0.1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
Which joint committee does VAL DE SAMBRE FINANCES fall under?
In its 2022 annual accounts, VAL DE SAMBRE FINANCES states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
What is the turnover of VAL DE SAMBRE FINANCES?
The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €26,990 and 2,954 comparable companies of the same size. It probably lies between €65,000 and €200,000. It is a rough estimate.
Is VAL DE SAMBRE FINANCES profitable?
In financial year 2025, VAL DE SAMBRE FINANCES made a loss of €3,625.
Where can I find the annual accounts of VAL DE SAMBRE FINANCES?
VAL DE SAMBRE FINANCES filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VAL DE SAMBRE FINANCES due?
VAL DE SAMBRE FINANCES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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