AAXE-ASSURANCES 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 €82k and a net result of €-5k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 1463 sector peers (fiscal year 2025). The company has been active since 2005 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
41 d early
2023
28 d early
2022
26 d early
2021
41 d early
2020
22 d early
2019
32 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€82k▼ 5.6%
2024 · €87k
2018: €37k
2019: €51k
2020: €96k
2021: €73k
2022: €76k
2023: €101k
2024: €87k
2018 → 2025
Net result
€-5k▲ 64.5%
2024 · €-14k
2018: €4k
2019: €13k
2020: €45k
2021: €27k
2022: €28k
2023: €25k
2024: €-14k
2018 → 2025
Total assets
€126k▲ 4.1%
2024 · €121k
2018: €200k
2019: €164k
2020: €175k
2021: €157k
2022: €135k
2023: €120k
2024: €121k
2018 → 2025
Solvency
65.4%▼ 6.8pp
2024 · 72.1%
2018: 18.8%
2019: 30.8%
2020: 54.9%
2021: 46.3%
2022: 56.3%
2023: 84.2%
2024: 72.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€76k▲ 4.3%€101k▲ 32.7%€87k▼ 13.7%€82k▼ 5.6%
Operating result€38k-€41k▲ 7.8%€23k▼ 43.3%€-11k€-5k▲ 53.2%
Net result€27k-€28k▲ 4.2%€25k▼ 11.7%€-14k€-5k▲ 64.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€5k▼ 33.6%
Current assets
€121k▲ 6.7%
Equity and liabilities €126k
Equity
€82k▼ 5.6%
Debt
€44k▲ 29.3%
The debt ratio rises from 27.9% to 34.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.4%▼
2024 · 72.1%
ROE
-5.9%▲
2024 · -15.8%
ROA
-3.9%▲
2024 · -11.4%
Debt
€44k▲
2024 · €34k
Debt ≤ 1 year
€44k▲
2024 · €34k
Income taxes
€256▼
2024 · €2k
Staff costs
€43k▲
2024 · €41k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€121k€126k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€113k€121k▲
Amounts receivable within one year40/41€8k€10k▲
Trade receivables40€8k€9k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€102k€108k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€121k€126k▲
Equity10/15€87k€82k▼
Contributions10/11€6k€6k=
Reserves13€51k€51k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€30k€25k▼
Amounts payable17/49€34k€44k▲
Amounts payable within one year42/48€34k€44k▲
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€14k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€37k€45k▲
Operating profit (loss)9901€-11k€-5k▲
Financial income75/76B€329€777▲
Recurring financial income75€329€777▲
Financial charges65/66B€993€111▼
Recurring financial charges65€993€111▼
Profit (loss) for the period before taxes9903€-12k€-5k▲
Income taxes67/77€2k€256▼
Profit (loss) for the period9904€-14k€-5k▲
Transfer from tax-exempt reserves789€16k-
Profit (loss) for the period to be appropriated9905€2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€25k▼
Profit (loss) brought forward from the previous period14P€28k€30k▲
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
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-14k ▼155%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity triplescurrent ratio 5.72
Current ratio from 2.02 to 5.72; short-term debt falls from €59k to €19k.
31-12
Financial
Equity above €100kEq €101k ▲32.7%
6 profitable years in a row build equity to €101k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €45k ▲246%
Operating result €63k, net result €45k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Sint-Pieters-Woluwe · 1 establishment unit since 2015
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.
Fazantenparklaan 451150 Sint-Pieters-WoluweGround area
1,614 m²
Building footprint
347 m²
Volume, LiDAR
3,480 m³
2 parcels, Brussels · tallest building 21.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Aaxe-Assurances
since 20152.244.234.857
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0182/00H035 | Brussels | 1,251 m² | 1 · 163 m² | 12.9 m · 3 fl. |
| 21019A0209/00Y005 | Brussels | 363 m² | 1 · 184 m² | 21.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,609 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2005
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:andre.desauvage@aaxe.be