Fédération des Courtiers d'Assurances et Intermédiaires Financiers de Belgique
ActiveFédération des Courtiers d'Assurances et Intermédiaires Financiers de Belgique has been active since 1937 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.79M and a net result of €84k. Its solvency ranks better than 89% of 613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes
Profitability23
Solvency100
Growth-
Stability85
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 13.1), and 7.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
92.7%
Return on assets
4.4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2024
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€84k
Working capital
€1.65M
Balance-sheet composition
Assets €1.93M
Fixed assets
€141k
Current assets
€1.79M
Equity and liabilities €1.93M
Equity
€1.79M
Debt
€140k
Debt finances 7.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€96k
Cash flow
€94k
Solvency
92.7%
Current ratio
13.10
Quick ratio
13.10
Debt / equity
0.08
ROE
4.7%
ROA
4.4%
Interest coverage
14.70
Debt
€140k
Debt ≤ 1 year
€136k
Income taxes
€991
Staff costs
€494k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€1.93M
Fixed assets21/28€141k
Tangible fixed assets22/27€4k
Plant, machinery and equipment23€0
Furniture and vehicles24€4k
Financial fixed assets28€137k
Current assets29/58€1.79M
Amounts receivable within one year40/41€589k
Trade receivables40€41k
Other amounts receivable41€548k
Current investments50/53€74k
Cash at bank and in hand54/58€953k
Deferred charges and accrued income490/1€170k
Equity and liabilities
Total equity and liabilities10/49€1.93M
Equity10/15€1.79M
Profit (loss) carried forward14€1.79M
Amounts payable17/49€140k
Amounts payable within one year42/48€136k
Trade debts44€69k
Suppliers440/4€69k
Taxes, remuneration and social security45€67k
Taxes450/3€10k
Remuneration and social security454/9€57k
Accrued charges and deferred income492/3€4k
Income statement
Code2024
Remuneration, social security and pensions62€494k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k
Other operating charges640/8€2k
Gross operating margin9900€592k
Operating profit (loss)9901€86k
Financial income75/76B€5k
Recurring financial income75€5k
Financial charges65/66B€7k
Recurring financial charges65€7k
Profit (loss) for the period before taxes9903€85k
Income taxes67/77€991
Profit (loss) for the period9904€84k
Profit (loss) for the period to be appropriated9905€84k
Appropriation of the result
Profit (loss) to be appropriated9906€1.79M
Profit (loss) brought forward from the previous period14P€1.70M
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment21 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment21 facts ▸
- General meeting, 2026-06-30
- Director resignation, Jessica Terrasi (CHABRA) (administrateur)
- Director appointment, Laurent Choda (administrateur)
- Director appointment, Maxime Visart de Bocarmé (administrateur)
- Board composition, Président, 2026-07-01
- Board composition, Vice-Présidente, 2026-07-01
- Board composition, Vice-Président, 2026-07-01
- Board composition, Vice-Président, 2026-07-01
- Board composition, Vice-Président, 2026-07-01
- Board composition, administrateur, 2026-07-01
- Board composition, administratrice, 2026-07-01
- Board composition, administratrice, 2026-07-01
- +9 further facts in this act
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 62 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26112134). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Laurent CHODA
CurrentDirector · since 01-07-2026
Maxime Visart de Bocarmé
CurrentDirector · since 01-07-2026
Manon Moïse
CurrentTreasurer · since 30-06-2026
Patrick Cauwert
CurrentCeo · since 30-06-2026
01-07-2026
Laurent CHODA: Appointed as Director
01-07-2026
Maxime Visart de Bocarmé: Appointed as Director
30-06-2026
Manon Moïse: Appointed as Treasurer
30-06-2026
Patrick Cauwert: Appointed as Ceo
30-06-2026
Jessica Terrasi (CHABRA): Resigned as Director
30-06-2025
Manon Moïse: Resigned as Director
30-06-2025
Carmelo Terrasi: Resigned as Director
30-06-2025
Jean-François Martin: Resigned as Director
30-06-2025
Martine Gilson: Resigned as Director
30-06-2025
Stéphanie Dossche: Resigned as Director
01-01-2024
Patrick Delhaye: Resigned as Director
10-08-2023
François Magnus: Resigned as Director
01-01-2020
Luc Vermeylen: Resigned as Director
01-07-2019
Martine Gilson: Resigned as Director
01-07-2019
Philippe Muys: Resigned as Director
01-07-2019
Raymond Leisten: Resigned as Director
30-06-2019
Armand Koch: Resigned as Director
30-06-2019
Jean-Marc Boccart: Resigned as Director
30-06-2019
Michel Pirson: Resigned as Director
30-06-2019
Valéry Lamotte: Resigned as Director
01-12-2018
Bernard de Maleingreau: Resigned as Director
01-01-2018
Jean-François Martin: Resigned as Director
01-01-2018
Alain Winand: Resigned as Director
01-01-2018
Pierre Lamotte: Resigned as Director
+ 9 not shown in this overview
Location & real-estate footprint
Registered office, Sint-Lambrechts-Woluwe · 1 establishment unit since 1961
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Albert-Elisabethlaan 401200 Sint-Lambrechts-WoluweGround area
613 m²
Building footprint
199 m²
Volume, LiDAR
2,753 m³
Parcel 21673D0160/00X009, Brussels · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Albert-Elisabethlaan 40, 1200 Sint-Lambrechts-Woluwe
since 19612.230.884.885
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0160/00X009 | Brussels | 613 m² | 1 · 199 m² | 18.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
8 connected companiesLinked via shared directors
viaPatrick Cauwert · Director
→
viaLaurent CHODA · Director
→
viaPatrick Cauwert · Managing director
→
viaPatrick Cauwert · Director
→
Show 4 more companies with a shared director
viaPatrick Cauwert · Director
former→
viaLaurent CHODA · Director
former→
viaPatrick Cauwert · Director
former→
viaLaurent CHODA · Director
former→
Ownership & control
2 partiesFédération des Courtiers d'Assurances et Intermédiaires Financiers de BelgiqueBE 0406.577.280
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
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Of 1,252 companies in sector 94110 we hold annual accounts for 577. 466 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded01-01-1937
Fiscal year end31-12
Abbreviation
Feprabel
Activities, NACEBEL
94110Activities of business and employers' organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.