Summary
LEON EECKMAN, Assureurs-Conseils - LEON EECKMAN, Verzekeringsadviseurs 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 €68k and a net result of €169k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 775 sector peers (fiscal year 2024). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 775 sector peers (2024).
NBB · sector comparisonPosition among 775 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
21 d late
2022
21 d early
2021
26 d early
2020
50 d early
2019
6 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€68k▼ 86.7%
2023 · €514k
2018: €570k
2019: €897k
2020: €411k
2021: €526k
2022: €651k
2023: €514k
2018 → 2024
Net result
€169k
2023 · €-137k
2018: €281k
2019: €431k
2020: €314k
2021: €115k
2022: €125k
2023: €-137k
2018 → 2024
Total assets
€3.26M▼ 19.2%
2023 · €4.04M
2018: €1.74M
2019: €2.07M
2020: €1.70M
2021: €3.09M
2022: €2.34M
2023: €4.04M
2018 → 2024
Solvency
2.1%▼ 10.6pp
2023 · 12.7%
2018: 32.8%
2019: 43.3%
2020: 24.1%
2021: 17.0%
2022: 27.9%
2023: 12.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€411k-€526k▲ 28.0%€651k▲ 23.8%€514k▼ 21.0%€68k▼ 86.7%
Operating result€432k-€170k▼ 60.5%€198k▲ 16.3%€-127k€290k
Net result€314k-€115k▼ 63.3%€125k▲ 8.9%€-137k€169k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €290k after a loss of €127k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.26M
Fixed assets
€719k ▼ 66.3%
Current assets
€2.54M ▲ 33.4%
Equity and liabilities €3.26M
Equity
€68k ▼ 86.7%
Debt
€3.19M ▼ 9.3%
Debt's share of the balance-sheet total rises from 87.3% to 97.9%. Equity and debt are lower.
Key figures and ratios
ROE
247.1%▲
2023 · -26.6%
ROA
5.2%▲
2023 · -3.4%
Debt ≤ 1 year
€3.12M▲
2023 · €1.78M
Income taxes
€37k▲
2023 · €448
Staff costs
€848k▲
2023 · €780k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 57 lines
Balance sheet
Code20232024
Assets
Total assets20/58€4.04M€3.26M▼
Fixed assets21/28€2.13M€719k▼
Intangible fixed assets21€682k€621k▼
Tangible fixed assets22/27€61k€48k▼
Furniture and vehicles24€50k€40k▼
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€1.39M€50k▼
Current assets29/58€1.91M€2.54M▲
Amounts receivable after more than one year29-€843k
Other amounts receivable291-€843k
Amounts receivable within one year40/41€1.02M€575k▼
Trade receivables40€775k€280k▼
Other amounts receivable41€247k€294k▲
Cash at bank and in hand54/58€871k€1.12M▲
Deferred charges and accrued income490/1€13k€5k▼
Equity and liabilities
Total equity and liabilities10/49€4.04M€3.26M▼
Equity10/15€514k€68k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€452k€6k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€446k-
Profit (loss) carried forward14-€161
Amounts payable17/49€3.52M€3.19M▼
Amounts payable after more than one year17€1.75M-
Other amounts payable178/9€1.75M-
Amounts payable within one year42/48€1.78M€3.12M▲
Trade debts44€1.58M€2.40M▲
Suppliers440/4€1.58M€2.40M▲
Taxes, remuneration and social security45€138k€98k▼
Taxes450/3€59k€8k▼
Remuneration and social security454/9€79k€91k▲
Other amounts payable47/48€54k€615k▲
Accrued charges and deferred income492/3€2k€78k▲
Income statement
Code20232024
Remuneration, social security and pensions62€780k€848k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117k€179k▲
Other operating charges640/8€5k€19k▲
Gross operating margin9900€775k€1.34M▲
Operating profit (loss)9901€-127k€290k▲
Financial income75/76B€12k€4k▼
Recurring financial income75€7k€2k▼
Non-recurring financial income76B€4k€2k▼
Financial charges65/66B€20k€88k▲
Recurring financial charges65€20k€88k▲
Non-recurring financial charges66B-€316
Profit (loss) for the period before taxes9903€-136k€206k▲
Income taxes67/77€448€37k▲
Profit (loss) for the period9904€-137k€169k▲
Profit (loss) for the period to be appropriated9905€-137k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-137k€169k▲
Transfer from equity791/2€137k€446k▲
Profit to be distributed694/7-€615k
Return on contributions (dividend)694-€589k
Employees696-€27k
Social balance
Average headcount (FTE)908711.310.4▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-07
State Gazette act
Registered office · Capital & shares · Statutes amendment · Resignations & appointmentsMerger · Accounting effect · Capital increase7 facts ▸
State Gazette act
Registered office · Capital & shares · Statutes amendment · Resignations & appointments
Merger · Accounting effect · Capital increase7 facts ▸
- General meeting, 30-06-2026
- Merger, operation assimilée à une fusion par absorption, 30-06-2026
- Accounting effect, 01-01-2026
- Capital increase, €75.001
- Capital, €137.001
- Name change, PatrimOne
- Registered-office move, 1050 Ixelles, Avenue Louise 290
2025
03-11
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 04-07-2025
- Registered-office move, Espace de coworking < The Nestwork Louise > - rue de la Concorde 56 à 1050 Ixelles
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
28-02
State Gazette act
Appointment: Charles-Emmanuel GERSDORFF (director)Resignations: Annette SENN (director) and Eric HEMELEERS (managing director) · Mandate compensation · Power of attorney11 facts ▸
State Gazette act
Appointment: Charles-Emmanuel GERSDORFF (director)
Resignations: Annette SENN (director) and Eric HEMELEERS (managing director) · Mandate compensation · Power of attorney11 facts ▸
- General meeting, 27-01-2025
- Director appointment, Charles-Emmanuel GERSDORFF (director)
- Mandate compensation, Charles-Emmanuel GERSDORFF
- Director resignation, Annette SENN (director)
- Power of attorney, THG BRUXELLES
- Board meeting, 27-01-2025
- Director resignation, Eric HEMELEERS (managing director)
- Director appointment, Charles-Emmanuel GERSDORFF (managing director)
- Mandate compensation, Charles-Emmanuel GERSDORFF
- Power of attorney, THG BRUXELLES
- Officer retention, administrateur
06-01
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 09/12/2024
- Registered-office move, Rue Geo Bernier 11 à 1050 Bruxelles
2024
31-12
Financial
Back to profitnet €169k
Net result €169k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
09-08
State Gazette act
Resignations: Hichem BABA-HAMMOU (director) and Marc HEMELEERS (director)Director discharge6 facts ▸
State Gazette act
Resignations: Hichem BABA-HAMMOU (director) and Marc HEMELEERS (director)
Director discharge6 facts ▸
- General meeting, 01-03-2024
- Director resignation, Hichem BABA-HAMMOU (director)
- Director resignation, Hichem BABA-HAMMOU (permanent representative)
- Director discharge, Hichem BABA-HAMMOU
- Director resignation, Marc HEMELEERS (director)
- Director resignation, Marc HEMELEERS (managing director)
2023
31-12
Financial
Weakest financial yearnet €-137k ▼209%
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
13-09
State Gazette act
Resignations: Marc PINOCHE (director) and SRL 4T4U (director)Appointments: Christine JOURDAN (director) and SRL 4T4U (director) · Permanent representative: Pierre DEROM6 facts ▸
State Gazette act
Resignations: Marc PINOCHE (director) and SRL 4T4U (director)
Appointments: Christine JOURDAN (director) and SRL 4T4U (director) · Permanent representative: Pierre DEROM6 facts ▸
- General meeting, 30-06-2023
- Director resignation, Marc PINOCHE (director)
- Director appointment, Christine JOURDAN (director)
- Director appointment, SRL 4T4U (director)
- Permanent representative, Pierre DEROM
- Director resignation, SRL 4T4U (director)
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Show earlier events
2021
31-12
Financial
Equity above €500kEq €526k ▲28%
4 profitable years in a row build equity to €526k.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
15-02
State Gazette act
Resignations: SRL HAVIMA (director) and Robert Lievemont (director)Reappointments: Eric Hemeleers, Marc Hemeleers and Annette Senn · Appointments: SRL RB CONSEILS, SRL THIERRY BARLE GESTION and 4 others · Permanent representative: Rémi Béguin23 facts ▸
State Gazette act
Resignations: SRL HAVIMA (director) and Robert Lievemont (director)
Reappointments: Eric Hemeleers, Marc Hemeleers and Annette Senn · Appointments: SRL RB CONSEILS, SRL THIERRY BARLE GESTION and 4 others · Permanent representative: Rémi Béguin23 facts ▸
- General meeting, 18-12-2020
- Director resignation, SRL HAVIMA (director)
- Director resignation, Robert Lievemont (director)
- Director reappointment, Eric Hemeleers (director)
- Director reappointment, Marc Hemeleers (director)
- Director reappointment, Annette Senn (director)
- Director appointment, SRL RB CONSEILS (director)
- Director appointment, SRL THIERRY BARLE GESTION (director)
- Director appointment, SRL HB CONSULTING & INVEST (director)
- Director appointment, Marc Pinoche (director)
- Mandate compensation, SRL RB CONSEILS
- Mandate compensation, SRL THIERRY BARLE GESTION
- +11 further facts in this act
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
16-06
State Gazette act
Resignation: Cédric Lienart van Lidth de Jeude (director)Director discharge3 facts ▸
State Gazette act
Resignation: Cédric Lienart van Lidth de Jeude (director)
Director discharge3 facts ▸
- General meeting, 30-05-2020
- Director resignation, Cédric Lienart van Lidth de Jeude (director)
- Director discharge, Cédric Lienart van Lidth de Jeude
06-05
State Gazette act
RestructuringDemerger · Accounting effect · Capital decrease9 facts ▸
State Gazette act
Restructuring
Demerger · Accounting effect · Capital decrease9 facts ▸
- General meeting, 21-04-2020
- Demerger, 21-04-2020
- Accounting effect, 01-04-2020
- Capital decrease, €20.492,22
- Capital increase, €20.492,22
- Capital, €62.000
- Statutes amendment
- Power of attorney, Marc Hemeleers
- Accounting reference date, 31-03-2020
17-03
State Gazette act
RestructuringDemerger · Capital · Share issue11 facts ▸
State Gazette act
Restructuring
Demerger · Capital · Share issue11 facts ▸
- Demerger, Transfert de la branche d'activité de souscription de LEON EECKMAN à EECKMAN SERVICES
- Capital, €62.000
- Share issue, 150000, scission partielle
- Accounting effect, 01-04-2020
- Capital, €10.000
- Demerger, trésorerie, EUR
- Employee transfer, Convention collective de travail n° 32 bis du 7 juin 1985
- Exchange ratio, EUR, 2
- Soulte, aucune soulte ne sera versée
- Share characteristics, mêmes droits que ceux attachés aux actions existantes de EECKMAN SERVICES
- Tax regime, exonération TVA, arts. 11 et 18 §3 du Code de la TVA, CIR art. 211 (neutralité fiscale)
2019
31-12
Financial
Highest result since 2018net €431k ▲53.3%
Operating result €584k, net result €431k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
State Gazette act
Appointment: Annette Senn (director)2 facts ▸
State Gazette act
Appointment: Annette Senn (director)
2 facts ▸
- General meeting, 26-05-2018
- Director appointment, Annette Senn (director)
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-08
State Gazette act
Resignation: Cécile Coune (director)2 facts ▸
State Gazette act
Resignation: Cécile Coune (director)
2 facts ▸
- General meeting, 27-07-2017
- Director resignation, Cécile Coune (director)
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
01-07
State Gazette act
Appointments: Robert Lievemont, Marc Hemeleers and Eric HemeleersResignations: AA+ (administrateurs et administrateurs délégués) and Ordago (administrateurs et administrateurs délégués)6 facts ▸
State Gazette act
Appointments: Robert Lievemont, Marc Hemeleers and Eric Hemeleers
Resignations: AA+ (administrateurs et administrateurs délégués) and Ordago (administrateurs et administrateurs délégués)6 facts ▸
- General meeting, 28-05-2016
- Director appointment, Robert Lievemont (director)
- Director resignation, AA+ (administrateurs et administrateurs délégués)
- Director resignation, Ordago (administrateurs et administrateurs délégués)
- Director appointment, Marc Hemeleers (administrateurs et administrateurs délégués)
- Director appointment, Eric Hemeleers (administrateurs et administrateurs délégués)
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
18-03
State Gazette act
RestructuringMerger · Accounting effect · Power of attorney5 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Power of attorney5 facts ▸
- General meeting, 24-02-2016
- Merger, absorption, 31-12-2015
- Accounting effect, 01-01-2016
- Power of attorney, PLASMAN PHILIPPE ET ASSOCIES
- Shareholding, toutes les parts sociales
05-01
State Gazette act
Restructuring · MiscellaneousMerger · Accounting effect2 facts ▸
State Gazette act
Restructuring · Miscellaneous
Merger · Accounting effect2 facts ▸
- Merger
- Accounting effect, 01-01-2016
2015
12-08
State Gazette act
Appointment: Cédric Liénart (director)Mandate compensation3 facts ▸
State Gazette act
Appointment: Cédric Liénart (director)
Mandate compensation3 facts ▸
- General meeting, 30-05-2015
- Director appointment, Cédric Liénart (director)
- Mandate compensation, Cédric Liénart
07-04
State Gazette act
Resignations & appointmentsPower of attorney5 facts ▸
State Gazette act
Resignations & appointments
Power of attorney5 facts ▸
- Board meeting, 26-11-2014
- Power of attorney, Eric Hemeleers
- Power of attorney, Marc Hemeleers
- Power of attorney, Annabelle Janssens
- Power of attorney, Indira Kabue
2014
23-06
State Gazette act
Reappointments: ORDAGO sprl (managing director) and AA+ sprl (managing director)Appointments: HAVIMA sprl (director) and Cécile COUNE (director)5 facts ▸
State Gazette act
Reappointments: ORDAGO sprl (managing director) and AA+ sprl (managing director)
Appointments: HAVIMA sprl (director) and Cécile COUNE (director)5 facts ▸
- General meeting, 28-05-2014
- Director reappointment, ORDAGO sprl (managing director)
- Director reappointment, AA+ sprl (managing director)
- Director appointment, HAVIMA sprl (director)
- Director appointment, Cécile COUNE (director)
2012
02-01
State Gazette act
Registered office · Capital & shares · Statutes amendmentStatutes amendment · Registered-office move · Capital6 facts ▸
State Gazette act
Registered office · Capital & shares · Statutes amendment
Statutes amendment · Registered-office move · Capital6 facts ▸
- General meeting, 19-12-2011
- Statutes amendment
- Registered-office move, 1190 Forest, rue Marconi, 167
- Statutes amendment
- Capital, €62.000
- Power of attorney, PARTENA
2011
28-06
State Gazette act
Resignations: Théo Verheyden (director) and Dietrich Von Frank (director)3 facts ▸
State Gazette act
Resignations: Théo Verheyden (director) and Dietrich Von Frank (director)
3 facts ▸
- General meeting, 22-12-2010
- Director resignation, Théo Verheyden (director)
- Director resignation, Dietrich Von Frank (director)
2006
03-07
State Gazette act
Appointments: Simonne Eeckman-Strauven, Françoise Eeckman Hemeleers and 4 othersPermanent representatives: Marc Hemeleers and Eric Hemeleers · Power of attorney15 facts ▸
State Gazette act
Appointments: Simonne Eeckman-Strauven, Françoise Eeckman Hemeleers and 4 others
Permanent representatives: Marc Hemeleers and Eric Hemeleers · Power of attorney15 facts ▸
- General meeting, 15-02-2005
- Director appointment, Simonne Eeckman-Strauven (présidente honoraire, administrateur non exécutif)
- Director appointment, Françoise Eeckman Hemeleers (présidente, administrateur non exécutif)
- Director appointment, AA+ SPRL (administrateur exécutif)
- Director appointment, ORDAGO SPRL (administrateur exécutif)
- Director appointment, Luc Van Helshoecht (administrateur non exécutif)
- Director appointment, Thierry Bosly (administrateur non exécutif)
- Permanent representative, Marc Hemeleers
- Permanent representative, Eric Hemeleers
- Power of attorney, Françoise Eeckman Hemeleers
- Power of attorney, ORDAGO SPRL
- Power of attorney, AA+ SPRL
- +3 further facts in this act
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 directors, no change since 2025
Charles-Emmanuel GERSDORFF
CurrentDirector · since 01-01-2025
Christine JOURDAN
CurrentDirector · since 15-11-2021
SRL HB CONSULTING & INVEST
CurrentDirector · since 18-12-2020 · Legal entity
SRL RB CONSEILS
CurrentDirector · since 18-12-2020 · Legal entity
SRL THIERRY BARLE GESTION
CurrentDirector · since 18-12-2020 · Legal entity
Cédric Liénart
Not recently confirmedDirector · since 01-06-2015
7 other directors
AA+
Not recently confirmedManaging director · since 01-06-2014 · Private limited company
AA+ SPRL
Not recently confirmedAdministrateur exécutif · since 15-02-2005 · Legal entity · perm. rep.: Marc Hemeleers
Françoise Eeckman Hemeleers
Not recently confirmedPrésidente, administrateur non exécutif · since 15-02-2005
Luc Van Helshoecht
Not recently confirmedAdministrateur non exécutif · since 15-02-2005
ORDAGO SPRL
Not recently confirmedAdministrateur exécutif · since 15-02-2005 · Legal entity · perm. rep.: Eric Hemeleers
Simonne Eeckman-Strauven
Not recently confirmedPrésidente honoraire, administrateur non exécutif · since 15-02-2005
Thierry Bosly
Not recently confirmedAdministrateur non exécutif · since 15-02-2005
31-05-2025
Annette SENN: Resigned as Director
01-01-2025
Charles-Emmanuel GERSDORFF: Appointed as Director
01-01-2025
Charles-Emmanuel GERSDORFF: Appointed as Managing director
31-12-2024
Eric Hemeleers: Resigned as Managing director
29-02-2024
Marc HEMELEERS: Resigned as Director
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 1987
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.
Louizalaan 2901050 ElseneGround area
223 m²
Building footprint
161 m²
Volume, LiDAR
2,282 m³
Parcel 21807G0157/00K000, Brussels · tallest building 22.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Louizalaan 290, 1050 Elsene
since 19872.129.385.867
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0157/00K000 | Brussels | 223 m² | 1 · 161 m² | 22.9 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.
Articles of association
Purpose
La société a pour objet le courtage, l'agence ou la représentation, la commission et la gestion de toutes opérations d'assurance et de réassurance. Elle peut faire toutes…
Full purpose
La société a pour objet le courtage, l'agence ou la représentation, la commission et la gestion de toutes opérations d'assurance et de réassurance. Elle peut faire toutes opérations mobilières et immobilières de nature à faciliter ou développer son activité sociale. La société peut faire toutes opérations industrielles, commerciales, financières, mobilières et immobilières qui pourraient être utiles ou favorables à la réalisation de son objet. Elle peut directement ou indirectement s'intéresser dans toutes entreprises ayant un objet similaire ou dont l'objet social serait connexe au sien sous réserve des prescriptions légales.
Structure & network
Connections & network
18 connected companiesLinked via shared directors
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Acquisitions and mergers
3 transactionsCapital and shareholders
Capital over the years
- 24-07-2026 Capital increase of 75,001 EUR · to 137,001 EUR · no new shares
- 06-05-2020 Capital reduction of 20,492.22 EUR · to 41,507.78 EUR · “prélèvement sur le capital fiscalement libéré”
- 06-05-2020 Capital increase of 20,492.22 EUR · to 62,000 EUR · from reserves
- 17-03-2020 Capital stated in 2 acts · 62,000 EUR · 5,000 shares
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,506 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 formPublic limited company
Founded23-06-1995
Fiscal year end31-12
Legal name FR
PatrimOne
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.