Fédération des Courtiers d'Assurances et Intermédiaires Financiers de Belgique
ActiveSummary
Fédération 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 612 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability74
Solvency100
Growth-
Track record85
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 13.1; short-term debt: 7.1% and cash: 49.5% of total assets), and 7.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
21 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 →
Checked, nothing found (1)
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
Current ratio
13.10
Debt to equity
0.08
ROE
4.7%
ROA
4.4%
Interest coverage
14.70
Debt ≤ 1 year
€136k
Income taxes
€991
Staff costs
€494k
Filed annual accounts As filed with the NBB · 2024 · 39 lines
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
Resignation: Jessica Terrasi (CHABRA) (director)Appointments: Laurent Choda, Maxime Visart de Bocarmé and 2 others21 facts ▸
State Gazette act
Resignation: Jessica Terrasi (CHABRA) (director)
Appointments: Laurent Choda, Maxime Visart de Bocarmé and 2 others21 facts ▸
- General meeting, 30-06-2026
- Director resignation, Jessica Terrasi (CHABRA) (director)
- Director appointment, Laurent Choda (director)
- Director appointment, Maxime Visart de Bocarmé (director)
- Board composition, Jonathan Dirick (chair)
- Board composition, Pauline Dinca (vice-chair)
- Board composition, Olivier Ruyssen (vice-chair)
- Board composition, Frédéric Cools (vice-chair)
- Board composition, Benoit Desmedt (vice-chair)
- Board composition, Charlie Lambrecht (director)
- Board composition, Florence Bille (director)
- Board composition, Davina Elias (director)
- +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
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
6 connected companiesLinked via shared directors
via Patrick Cauwert · Director
→
via Patrick Cauwert · Director
→
via Patrick Cauwert and Laurent CHODA
→
via Patrick Cauwert · Director
→
Show 2 more companies with a shared director
via Patrick Cauwert · Director
former→
via Laurent CHODA · Director
former→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
1 location
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Of 1,256 companies in sector 94110 we hold annual accounts for 579. 467 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded01-01-1937
Fiscal year end31-12
Abbreviation
Feprabel
Activities, NACEBEL 2025
94110Activities of business and employers' organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.