Checked.be · Company dossierhttps://checked.be/en/c/a-v-assurances-consult-0500690046 · as of 26-10-2026
A.V. Assurances Consult
Active
Private limited company (pre-2019) · founded 2012 · active for 13 yearsJonruelle 66, 4000 Liège, BelgiumKBO/BCE: BE 0500.690.046
Summary
The computed 12-month bankruptcy probability of A.V. Assurances Consult is 5.5% (elevated). For A.V. Assurances Consult, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €35,523 and a net result of €4,551. Equity is shrinking by about 9% per year across the filed financial years. The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals.
2024 accounts not filed, 452 days past the deadline3 deeds in the Belgian Official Gazette
Signalsraises riskFigures for financial year 2023 (filed 08-11-2024)2 financial years not filed after the legal deadline; last filed accounts filed 92 days late; 3 of the last 3 lateTwo or more financial years not filed2023 accounts filed 92 days latelowers riskFounded in 2012Liquidity: current ratio 11.10, cash €8,592Show the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Financial strength, FY 2023 · tick = 2020
Financial strength
How strong the balance sheet and results are: solvency, liquidity and profitability from the latest annual accounts, each out of 100. It does not directly set the Checked score's band; how the company does on these and on growth against its sector peers does count for its place within the band.
Strong
Solvency100=
equity 91.0% of total assets
Liquidity78+5
short-term debt 9.0% · cash 22.0%
Profitability83+72
return on assets 11.7%
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
5.5%Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months11-2024: 16.8%highest value12-2024: 2.5%▼ -14.3 percentage points vs 11-202401-2025: 2.4%▼ -0.1 percentage points vs 12-202402-2025: 2.4%● unchanged vs 01-202503-2025: 2.5%▲ +0.1 percentage points vs 02-202504-2025: 2.7%▲ +0.2 percentage points vs 03-202505-2025: 2.9%▲ +0.2 percentage points vs 04-202506-2025: 0.9%▼ -2.0 percentage points vs 05-202507-2025: 0.9%● unchanged vs 06-2025lowest value08-2025: 1.2%▲ +0.3 percentage points vs 07-202509-2025: 1.3%▲ +0.1 percentage points vs 08-202510-2025: 2.5%▲ +1.2 percentage points vs 09-202511-2025: 2.6%▲ +0.1 percentage points vs 10-202512-2025: 3.7%▲ +1.1 percentage points vs 11-202501-2026: 5.5%▲ +1.8 percentage points vs 12-202502-2026: 5.5%● unchanged vs 01-202603-2026: 5.7%▲ +0.2 percentage points vs 02-202604-2026: 5.4%▼ -0.3 percentage points vs 03-202605-2026: 5.4%● unchanged vs 04-202606-2026: 5.1%▼ -0.3 percentage points vs 05-202607-2026: 5.1%● unchanged vs 06-202608-2026: 5.5%▲ +0.4 percentage points vs 07-202609-2026: 5.5%● unchanged vs 08-202610-2026: 5.5%● unchanged vs 09-2026
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
31-12-2024 year end31-07-2025 deadline26-10-2026 today
raises risk · 2023 accounts filed 92 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 31-10-2024, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
This company filed its last 5 accounts on average 76 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
Annual accounts filedfinancial year 2023 · micro…
Back to profitnet €4,551
Annual accounts filedfinancial year 2020 · micro…
Key points
Risk: 2024 accounts not fileddeadline was 31-07-2025452 days past the deadlineView
Total assets 20233 financial years filed€39,038View