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Complete company report
Generated 16-08-2026
Active BE 0713.631.473Private limited company

AAA CAPITALASSUR

Congresstraat 20 ·1000 Brussel, Belgium· 7 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

AAA CAPITALASSUR 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 €344k and a net result of €24k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 224 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €344k
Net result €24k
Staff (FTE) 1.5
Better than sector 80%
Financial profile 4 of 5 axes measured · computed by Checked
Health-Profitability35Solvency100Growth52Stability100
72 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 35
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2018, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
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.
Financial overview7 NBB filings
Annual accounts filed on 23-01-2026 with the NBB · fiscal year 2025 · micro
€0€100k€200k€300kRevenue 2021: €328k€328kOperating result 2021: €2k€2kNet result 2021: €92k€92kOperating result 2022: €44k€44kNet result 2022: €22k€22kOperating result 2023: €46k€46kNet result 2023: €23k€23kOperating result 2024: €20k€20kNet result 2024: €4k€4kOperating result 2025: €44k€44kNet result 2025: €24k€24k20212022202320242025
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~3.3%/year over 6 fiscal years, indicative, assuming unchanged policy.
€250k€300k€350k€400k2026: €361k (€333k - €388k)2027: €371k (€344k - €399k)2028: €382k (€354k - €409k)2020: €299k2021: €293k2022: €315k2023: €338k2024: €342k2025: €344k202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 81.3% 47.2%
better than 80% of 224 sector peers
Net result €24k €43k
better than 35% of 224 sector peers
Equity €344k €84k
better than 85% of 224 sector peers
Gross operating margin €168k €88k
better than 72% of 224 sector peers
Staff costs €71k €60k
higher than 54% of 65 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€24k
+544.0% 20-25
Total assets
€424k
+13.6% 20-25
Equity
€344k
+0.7% 20-25
Employees (FTE)
2
+50.0% 20-25
Staff costs
€71k
+23.5% 20-25
Income taxes
€20k
+28.9% 20-25
Dividends
€21k
- 20-25
Debt
€79k
+154.9% 20-25
Show 5 other metrics
Debt ≤ 1y
€79k
+206.6% 20-25
Debt > 1y
€20k
-66.5% 20-25
Solvency
81.3%
-11.3% 20-25
ROE
6.9%
+539.4% 20-25
ROA
5.6%
+467.0% 20-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€24k
Cash flown/a
Staff costs€71k
Income taxes€20k
Dividends€21k
Total assets€424k
Equity€344k
Debt€79k
of which ≤ 1y€79k
of which > 1y-
Working capitaln/a
Employees (FTE)1.5
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency81.3%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA5.6%
ROE6.9%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€424k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Financial fixed assets 28€175
Current assets 29/58€411k
Amounts receivable within one year 40/41€36k
Investments 50/53€164k
Cash & bank 54/58€208k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€424k
Equity 10/15€344k
Contributions / capital 10/11€192k
Reserves 13€9k
Accumulated profits (losses) 14€144k
Amounts payable 17/49€79k
Amounts payable within one year 42/48€79k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€168k
Operating result 9901€44k
Financial income 75€309
Financial charges 65€1k
Result before taxes 9903€44k
Income taxes 67/77€20k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (23321510). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • MAGLIOCCHETTI Ricardo
    Director
    State Gazette act 23321510 (10-03-2023)
    Current
    10-03-2023 → present
    2 events
    • 10-03-2023 Resigned· Manager
    • 10-03-2023 Appointed· Director
  • MICHIELS Benoit
    Director
    State Gazette act 23321510 (10-03-2023)
    Current
    10-03-2023 → present
    2 events
    • 10-03-2023 Resigned· Manager
    • 10-03-2023 Appointed· Director
  • THUNISSEN Jean-Henri
    Director
    State Gazette act 23321510 (10-03-2023)
    Current
    10-03-2023 → present
    2 events
    • 10-03-2023 Resigned· Manager
    • 10-03-2023 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Private limited company(610)
Incorporation16-11-2018
StatusActive
Postal code1000
Establishment units 1 location
Congresstraat 20, 1000 Brussel
Activiteiten van verzekeringsagenten en -makelaars
since 20182.285.835.979
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21803C0999/00L000 Brussels 360 m² 1 · 166 m² 24.1 m · 7 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
12-06-2026
State Gazette act Open capture
General meeting · Officer appointment · Permanent representative · Act object
23-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
28-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
19-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · micro
10-03-2023
State Gazette act Director changes
v3.2
20-01-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
19-01-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
29-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2019
04-11-2019
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
28-11-2018
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 2 months ago
2026
12-06-2026 General meeting · Officer appointment · Permanent representative · Act object Open-capture extraction
  • Filing: 2026-06-04 · AAA CAPITALASSUR
  • General meeting: 2026-03-31 · AAA CAPITALASSUR
  • Officer appointment: role: administrateur, duration: sans limitation de durée, start_date: 2026-04-01 · DEGAUQUIER AND PARTNERS SA
  • Permanent representative: role: représentant permanent · Bernard DEGAUQUIER
  • Officer appointment: role: administrateur, duration: sans limitation de durée, start_date: 2026-04-01 · 4SURE SRL
  • Permanent representative: role: représentant permanent · Christophe DEGAUQUIER
  • Publication: 2026-06-12
  • Act object: Nomination
Summary: General meeting · Officer appointment · Permanent representative · Act object
Technical details 
{
  "facts": [
    {
      "type": "filing",
      "quote": "D\u00E9pos\u00E9 / Re\u00E7u le 04 JUIN 2026",
      "value": "2026-06-04",
      "object": null,
      "subject": "e1"
    },
    {
      "type": "general_meeting",
      "quote": "Bruxelles, le 31 mars 2026.",
      "value": "2026-03-31",
      "object": null,
      "subject": "e1"
    },
    {
      "type": "officer_appointment",
      "quote": "L\u0027assembl\u00E9e ent\u00E9rine la nomination, \u00E0 compter du 1er avril 2026, de la soci\u00E9t\u00E9 DEGAUQUIER AND PARTNERS SA (BCE 0471.387.633), sans limitation de dur\u00E9e.",
      "value": {
        "role": "administrateur",
        "duration": "sans limitation de dur\u00E9e",
        "start_date": "2026-04-01"
      },
      "object": "e1",
      "subject": "e2"
    },
    {
      "type": "permanent_representative",
      "quote": "Elle d\u00E9signe comme repr\u00E9sentant permanent : Monsieur Bernard DEGAUQUIER, qui accepte;",
      "value": {
        "role": "repr\u00E9sentant permanent",
        "acceptance": true
      },
      "object": "e2",
      "subject": "e3"
    },
    {
      "type": "officer_appointment",
      "quote": "L\u0027assembl\u00E9e ent\u00E9rine la nomination, \u00E0 compter du 1er avril 2026, de la soci\u00E9t\u00E9 4SURE SRL (BCE 1033.705.343), sans limitation de dur\u00E9e.",
      "value": {
        "role": "administrateur",
        "duration": "sans limitation de dur\u00E9e",
        "start_date": "2026-04-01"
      },
      "object": "e1",
      "subject": "e4"
    },
    {
      "type": "permanent_representative",
      "quote": "Elle d\u00E9signe comme repr\u00E9sentant permanent: Monsieur Christophe DEGAUQUIER, qui accepte.",
      "value": {
        "role": "repr\u00E9sentant permanent",
        "acceptance": true
      },
      "object": "e4",
      "subject": "e5"
    },
    {
      "type": "publication",
      "quote": "Belgisch Staatsblad - 12/06/2026",
      "value": "2026-06-12",
      "object": null,
      "subject": null
    },
    {
      "type": "act_object",
      "quote": "Objet de l\u0027acte: Nomination",
      "value": "Nomination",
      "object": null,
      "subject": null
    }
  ],
  "act_meta": {
    "model_id": 40,
    "extractor": "open-capture-27b-v3",
    "ocr_chars": 1736,
    "truncated": false,
    "needs_verify": false
  },
  "entities": [
    {
      "id": "e1",
      "kbo": "0713.631.473",
      "kind": "company",
      "name": "AAA CAPITALASSUR",
      "attrs": {
        "seat": "Rue du Congr\u00E8s 20 \u00E0 1000 Bruxelles",
        "legal_form": "SRL"
      }
    },
    {
      "id": "e2",
      "kbo": "0471.387.633",
      "kind": "company",
      "name": "DEGAUQUIER AND PARTNERS SA",
      "attrs": {}
    },
    {
      "id": "e3",
      "kbo": null,
      "kind": "person",
      "name": "Bernard DEGAUQUIER",
      "attrs": {}
    },
    {
      "id": "e4",
      "kbo": "1033.705.343",
      "kind": "company",
      "name": "4SURE SRL",
      "attrs": {}
    },
    {
      "id": "e5",
      "kbo": null,
      "kind": "person",
      "name": "Christophe DEGAUQUIER",
      "attrs": {}
    }
  ]
}
2023
10-03-2023 3 directors appointed, 3 resigning Director changes
  • MAGLIOCCHETTI Ricardo, Bestuurder
  • THUNISSEN Jean-Henri, Bestuurder
  • MICHIELS Benoit, Bestuurder
  • MAGLIOCCHETTI Ricardo, Zaakvoerder
  • THUNISSEN Jean-Henri, Zaakvoerder
  • MICHIELS Benoit, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "MAGLIOCCHETTI Ricardo",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction des g\u00E9rants actuels, mentionn\u00E9s ci-apr\u00E8s : - Monsieur MAGLIOCCHETTI Ricardo, pr\u00E9nomm\u00E9 ; ... L\u2019assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge compl\u00E8te et enti\u00E8re aux g\u00E9rants d\u00E9missionnaires pour l\u2019ex\u00E9cution de leur mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "THUNISSEN Jean-Henri",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction des g\u00E9rants actuels, mentionn\u00E9s ci-apr\u00E8s : ... - Monsieur THUNISSEN Jean-Henri, pr\u00E9nomm\u00E9 ; ... L\u2019assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge compl\u00E8te et enti\u00E8re aux g\u00E9rants d\u00E9missionnaires pour l\u2019ex\u00E9cution de leur mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "MICHIELS Benoit",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction des g\u00E9rants actuels, mentionn\u00E9s ci-apr\u00E8s : ... - Monsieur MICHIELS Benoit, pr\u00E9nomm\u00E9. ... L\u2019assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge compl\u00E8te et enti\u00E8re aux g\u00E9rants d\u00E9missionnaires pour l\u2019ex\u00E9cution de leur mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "MAGLIOCCHETTI Ricardo",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Sont appel\u00E9s aux fonctions d\u2019administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : Messieurs MAGLIOCCHETTI Ricardo, THUNISSEN Jean-Henri et MICHIELS Benoit, ici pr\u00E9sents et qui acceptent.",
      "discharge_granted": false
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "THUNISSEN Jean-Henri",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Sont appel\u00E9s aux fonctions d\u2019administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : Messieurs MAGLIOCCHETTI Ricardo, THUNISSEN Jean-Henri et MICHIELS Benoit, ici pr\u00E9sents et qui acceptent.",
      "discharge_granted": false
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "MICHIELS Benoit",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Sont appel\u00E9s aux fonctions d\u2019administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : Messieurs MAGLIOCCHETTI Ricardo, THUNISSEN Jean-Henri et MICHIELS Benoit, ici pr\u00E9sents et qui acceptent.",
      "discharge_granted": false
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0713.631.473",
    "name_full": "AAA CAPITALASSUR",
    "legal_form": "SPRL"
  }
}
2018
28-11-2018 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1000 Bruxelles, rue du Congr\u00E8s 20",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": {
        "kbo": "0632.980.527",
        "name": "AAA CAPITALFIN"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "parts sociales",
      "partner_role": null,
      "holder_org_kbo": "0632.980.527",
      "holder_org_name": "AAA CAPITALFIN",
      "contribution_type": "in_kind",
      "amount_paid_in_eur": 0,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 333,
      "amount_subscribed_eur": 55114.5,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1962-12-14",
        "name": "Ricardo MAGLIOCCHETTI",
        "niss": null,
        "address": "7021 Havr\u00E9 (Mons) rue Adonis Descamps, 101"
      },
      "share_class": "parts sociales",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Ricardo MAGLIOCCHETTI",
      "is_subscriber_only": false,
      "n_shares_subscribed": 333,
      "amount_subscribed_eur": 55114.5,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1961-07-13",
        "name": "Beno\u00EEt MICHIELS",
        "niss": null,
        "address": "Dilbeek, Kapelstraat, 75"
      },
      "share_class": "parts sociales",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Beno\u00EEt MICHIELS",
      "is_subscriber_only": false,
      "n_shares_subscribed": 334,
      "amount_subscribed_eur": 55114.51,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1964-01-21",
        "name": "Jean-Henri THUNISSEN",
        "niss": null,
        "address": "Eupen, Am Weiherhof, 14"
      },
      "share_class": "parts sociales",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Jean-Henri THUNISSEN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 333,
      "amount_subscribed_eur": 55114.5,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 165343.51,
  "subject_company": {
    "kbo": "0713.631.473",
    "name_full": "AAA CAPITALASSUR",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2018-11-07",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameFR AAA CAPITALASSUR
Registered office
Congresstraat 20
1000 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative