Summary
AB-BROKERS 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 €193k and a net result of €97k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 50% of 490 sector peers (fiscal year 2025). The company has been active since 1983 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
1 signal. 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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
31 d late
2023
31 d late
2022
7 d early
2021
42 d early
2020
41 d early
2019
64 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€193k▼ 20.7%
2024 · €243k
2018: €105k
2019: €121k
2020: €155k
2021: €172k
2022: €127k
2023: €173k
2024: €243k
2018 → 2025
Net result
€97k▲ 38.1%
2024 · €70k
2018: €11k
2019: €31k
2020: €49k
2021: €17k
2022: €-45k
2023: €46k
2024: €70k
2018 → 2025
Total assets
€463k▲ 22.8%
2024 · €377k
2018: €151k
2019: €174k
2020: €204k
2021: €213k
2022: €194k
2023: €241k
2024: €377k
2018 → 2025
Solvency
41.6%▼ 22.8pp
2024 · 64.4%
2018: 69.4%
2019: 69.3%
2020: 75.8%
2021: 81.0%
2022: 65.7%
2023: 71.8%
2024: 64.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€251k-€518k
Equity€172k-€127k▼ 26.1%€173k▲ 35.8%€243k▲ 40.6%€193k▼ 20.7%
Operating result€68k-€-77k€51k€86k▲ 68.1%€115k▲ 33.8%
Net result€17k-€-45k€46k€70k▲ 54.0%€97k▲ 38.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €463k
Fixed assets
€6k ▼ 27.4%
Current assets
€457k ▲ 24.0%
Equity and liabilities €463k
Equity
€193k ▼ 20.7%
Debt
€270k ▲ 102%
Debt's share of the balance-sheet total rises from 35.6% to 58.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
50.3%▲
2024 · 28.9%
ROA
20.9%▲
2024 · 18.6%
Debt ≤ 1 year
€270k▲
2024 · €119k
Income taxes
€35k▲
2024 · €29k
Staff costs
€247k▲
2024 · €181k
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€377k€463k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€331€31▼
Current assets29/58€368k€457k▲
Amounts receivable within one year40/41€360k€450k▲
Other amounts receivable41€360k€450k▲
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€377k€463k▲
Equity10/15€243k€193k▼
Contributions10/11€175k€175k=
Capital10€175k€175k=
Issued capital100€175k€175k=
Reserves13€68k€18k▼
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Distributable reserves133€50k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€134k€270k▲
Amounts payable within one year42/48€119k€270k▲
Trade debts44€67k€66k▼
Suppliers440/4€67k€66k▼
Taxes, remuneration and social security45€52k€57k▲
Taxes450/3€43k€31k▼
Remuneration and social security454/9€9k€26k▲
Other amounts payable47/48-€148k
Accrued charges and deferred income492/3€15k€0▼
Income statement
Code20242025
Turnover70-€518k
Non-recurring operating income76A€0-
Goods, raw materials, services and sundry goods60/61-€154k
Remuneration, social security and pensions62€181k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€0€1k▲
Gross operating margin9900€274k€368k▲
Operating profit (loss)9901€86k€115k▲
Financial income75/76B€14k€18k▲
Recurring financial income75€14k€18k▲
Financial charges65/66B€1k€464▼
Recurring financial charges65€1k€464▼
Profit (loss) for the period before taxes9903€99k€132k▲
Income taxes67/77€29k€35k▲
Profit (loss) for the period9904€70k€97k▲
Profit (loss) for the period to be appropriated9905€70k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€97k▲
Profit (loss) brought forward from the previous period14P€-50k€0▲
Transfer from equity791/2-€50k
Transfer to equity691/2€20k€0▼
To other reserves6921€20k€0▼
Profit to be distributed694/7-€147k
Return on contributions (dividend)694-€147k
Social balance
Average headcount (FTE)90872.33.0▲
The notes to these accounts (11 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €97k ▲38.1%
Operating result €115k, net result €97k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Equity above €200kEq €243k ▲40.6%
2 profitable years in a row build equity to €243k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-12
Financial
Equity above €150kEq €173k ▲35.8%
Equity rises from €127k to €173k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-45k ▼358%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €155k ▲28.3%
3 profitable years in a row build equity to €155k.
Show earlier events
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Antwerpen · 1 establishment unit since 2012
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.
Frans Beckersstraat 212600 AntwerpenGround area
306 m²
Building footprint
112 m²
Volume, LiDAR
952 m³
Parcel 11003A0374/00A000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Solvio Verzekeringen
since 20122.214.682.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0374/00A000 | Flanders | 306 m² | 1 · 112 m² | 9.5 m · 3 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.
Similar companies · same sector, comparable size
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De STAERCKE & Associés
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GAEL FRERE ASSURANCES
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,825 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
Founded12-12-1983
Fiscal year end31-12
Trade name NL
SOLVIO VERZEKERINGEN
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.