Summary
A-sur 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 €68,709 and a net result of €34,956. Its solvency ranks better than 57% of 2460 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
15 d early
2024
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€68,709▲ 104%
2024 · €33,753
Net result
€34,956▲ 21.6%
2024 · €28,753
Total assets
€119,697▲ 140%
2024 · €49,908
Solvency
57.4%▼ 10.2pp
2024 · 67.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€37,021-€45,601▲ 23.2%
Net result€28,753-€34,956▲ 21.6%
Equity€33,753-€68,709▲ 104%
Total assets€49,908-€119,697▲ 140%
Debt€18,769-€50,988▲ 172%
Working capital€29,879--€4,259
Solvency67.6%-57.4%▼ 10.2pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119,697
Fixed assets
€74,753 ▲ 4,533%
Current assets
€44,944 ▼ 6.9%
Equity and liabilities €119,697
Equity
€68,709 ▲ 104%
Debt
€50,988 ▲ 172%
Debt's share of the balance-sheet total rises from 35.7% to 42.6%. Equity and debt are higher.
Key figures and ratios
ROE
50.9%▼
2024 · 85.2%
ROA
29.2%▼
2024 · 57.6%
Debt ≤ 1 year
€49,203▲
2024 · €18,416
Income taxes
€9,057▼
2024 · €10,395
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €147 | €9,861 | ▲ 6,623% |
| Other operating charges640/8 | €1,465 | €680 | ▼ 53.6% |
| Gross operating margin9900 | €38,632 | €56,141 | ▲ 45.3% |
| Operating profit (loss)9901 | €37,021 | €45,601 | ▲ 23.2% |
| Financial charges65/66B | €486 | €1,588 | ▲ 227% |
| Recurring financial charges65 | €486 | €1,588 | ▲ 227% |
| Profit (loss) for the period before taxes9903 | €36,534 | €44,013 | ▲ 20.5% |
| Income taxes67/77 | €10,395 | €9,057 | ▼ 12.9% |
| Profit (loss) for the period9904 | €28,753 | €34,956 | ▲ 21.6% |
| Profit (loss) for the period to be appropriated9905 | €28,753 | €34,956 | ▲ 21.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €49,908 | €119,697 | ▲ 140% |
| Fixed assets21/28 | €1,613 | €74,753 | ▲ 4,533% |
| Tangible fixed assets22/27 | €1,613 | €74,753 | ▲ 4,533% |
| Furniture and vehicles24 | €1,613 | €74,753 | ▲ 4,533% |
| Current assets29/58 | €48,295 | €44,944 | ▼ 6.9% |
| Amounts receivable within one year40/41 | €4,648 | €15,358 | ▲ 230% |
| Trade receivables40 | €4,648 | €15,358 | ▲ 230% |
| Cash at bank and in hand54/58 | €43,648 | €28,976 | ▼ 33.6% |
| Deferred charges and accrued income490/1 | - | €610 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €49,908 | €119,697 | ▲ 140% |
| Equity10/15 | €33,753 | €68,709 | ▲ 104% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €28,753 | €63,709 | ▲ 122% |
| Distributable reserves133 | €28,753 | €63,709 | ▲ 122% |
| Amounts payable17/49 | €18,769 | €50,988 | ▲ 172% |
| Amounts payable within one year42/48 | €18,416 | €49,203 | ▲ 167% |
| Trade debts44 | €4,360 | €11,972 | ▲ 175% |
| Suppliers440/4 | €4,360 | €11,972 | ▲ 175% |
| Taxes, remuneration and social security45 | €6,395 | €8,174 | ▲ 27.8% |
| Taxes450/3 | €5,395 | €8,174 | ▲ 51.5% |
| Remuneration and social security454/9 | €1,000 | €0 | ▼ 100% |
| Other amounts payable47/48 | €7,661 | €29,058 | ▲ 279% |
| Accrued charges and deferred income492/3 | €353 | €1,784 | ▲ 406% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €28,753 | €34,956 | ▲ 21.6% |
| + Depreciation and write-downs630 | €147 | €9,861 | ▲ 6,623% |
| Operating cash flow (approximation) | €28,900 | €44,817 | ▲ 55.1% |
| Investment in fixed assets (approximation) | - | -€83,000 | - |
| Change in cash | - | -€14,672 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zele · 1 establishment unit since 2023
Ground area
189 m²
Building footprint
189 m²
Volume, LiDAR
1,461 m³
Parcel 42403D0705/00E000, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
A-sur
since 20232.352.149.733
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42403D0705/00E000 | Flanders | 189 m² | 1 · 189 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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MICHEL MOES ASSURANCES
BE 0431.715.524
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BE 0471.659.530
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LEON EECKMAN, Assureurs-Conseils - LEON EECKMAN, Verzekeringsadviseurs
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,508 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:1002172227
Also
9925:BE1002172227
Registered
26-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.