AllCover
InactiveInactive since 13-08-2026; last annual accounts for fiscal year 2024. Dissolved without liquidation.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 1426 sector peers (2024).
NBB · sector comparisonPosition among 1426 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
19 d late
2022
30 d late
2021
4 d early
2020
60 d early
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days after 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 (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Which other companies belong to the same group?ICC TopCo · 27 companies How is the Insurance agents and brokers sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, abbreviated schema
Equity
€73,208▼ 79.9%
2023 · €363,796
Net result
-€22,893
2023 · €156,441
Total assets
€3.8m▼ 27.5%
2023 · €5.2m
Solvency
1.9%▼ 5.1pp
2023 · 7.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€104,074▲ 69.9%€396,653▲ 281%€118,422▼ 70.1%€278,587▲ 135%€160,206▼ 42.5%
Net result€48,920within the sector's middle half▲ 723%€215,550above the sector's middle half▲ 341%-€2,772below the sector's middle half€156,441within the sector's middle half-€22,893below the sector's middle half
Equity€140,665within the sector's middle half▲ 53.3%€356,215within the sector's middle half▲ 153%€353,443within the sector's middle half▼ 0.8%€363,796within the sector's middle half▲ 2.9%€73,208below the sector's middle half▼ 79.9%
Total assets€5.7mabove the sector's middle half▲ 227%€6.4mabove the sector's middle half▲ 11.4%€5.6mabove the sector's middle half▼ 12.0%€5.2mabove the sector's middle half▼ 7.1%€3.8mabove the sector's middle half▼ 27.5%
Debt€5.6m▲ 236%€6.0m▲ 7.8%€5.2m▼ 12.7%€4.8m▼ 7.8%€3.7m▼ 23.6%
Working capital€2.9mabove the sector's middle half▲ 40,828%-€84,040below the sector's middle half-€196,341below the sector's middle half▼ 134%-€221,735below the sector's middle half▼ 12.9%-€140,974below the sector's middle half▲ 36.4%
Solvency2.5%below the sector's middle half▼ 2.8pp5.6%below the sector's middle half▲ 3.1pp6.3%below the sector's middle half▲ 0.7pp7.0%below the sector's middle half▲ 0.7pp1.9%below the sector's middle half▼ 5.1pp
Current ratio6.49above the sector's middle half▲ 5.460.92below the sector's middle half▼ 5.570.77below the sector's middle half▼ 0.140.80below the sector's middle half▲ 0.020.86below the sector's middle half▲ 0.06
Return on assets (ROA)0.9%below the sector's middle half▲ 0.5pp3.4%within the sector's middle half▲ 2.5pp0.0%below the sector's middle half▼ 3.4pp3.0%within the sector's middle half▲ 3.1pp-0.6%below the sector's middle half▼ 3.6pp
Staff (FTE)4.3within the sector's middle half▲ 13.2%16.3above the sector's middle half▲ 279%12.6above the sector's middle half▼ 22.7%10.1above the sector's middle half▼ 19.8%11.7above the sector's middle half▲ 15.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.8m
Fixed assets
€2.9m ▼ 33.5%
Current assets
€897,069 ▲ 1.3%
Equity and liabilities €3.8m
Equity
€73,208 ▼ 79.9%
Debt
€3.7m ▼ 23.6%
Debt's share of the balance-sheet total rises from 93.0% to 98.1%. Equity and debt are lower.
Key figures and ratios
ROE
-31.3%▼
2023 · 43.0%
Debt ≤ 1 year
€1.0m▼
2023 · €1.1m
Debt > 1 year
€2.5m▼
2023 · €3.6m
Income taxes
€53,462▲
2023 · €32,467
Staff costs
€865,808▲
2023 · €850,112
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €4,825 | €77,468 | €1,118 | €100,000 | ▲ 8,847% |
| Remuneration, social security and pensions62 | - | €1.2m | €1.0m | €850,112 | €865,808 | ▲ 1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €197,636 | €621,998 | €635,364 | €662,776 | €624,518 | ▼ 5.8% |
| Other operating charges640/8 | - | €43,011 | €17,500 | €10,713 | €31,333 | ▲ 192% |
| Non-recurring operating charges66A | - | €10,389 | - | €26,736 | €75,868 | ▲ 184% |
| Gross operating margin9900 | €524,506 | €2.2m | €1.8m | €1.8m | €1.8m | ▼ 3.9% |
| Operating profit (loss)9901 | €104,074 | €396,653 | €118,422 | €278,587 | €160,206 | ▼ 42.5% |
| Financial income75/76B | - | €4,522 | €111 | €548 | €4,384 | ▲ 700% |
| Recurring financial income75 | €135 | €197 | €111 | €548 | €4,384 | ▲ 700% |
| Non-recurring financial income76B | - | €4,325 | - | - | - | - |
| Financial charges65/66B | - | €94,634 | €98,830 | €90,228 | €134,021 | ▲ 48.5% |
| Recurring financial charges65 | €43,502 | €94,634 | €98,830 | €90,228 | €109,022 | ▲ 20.8% |
| Non-recurring financial charges66B | - | - | - | - | €24,999 | - |
| Profit (loss) for the period before taxes9903 | €60,707 | €306,541 | €19,703 | €188,908 | €30,569 | ▼ 83.8% |
| Income taxes67/77 | €11,788 | €90,992 | €22,475 | €32,467 | €53,462 | ▲ 64.7% |
| Profit (loss) for the period9904 | €48,920 | €215,550 | -€2,772 | €156,441 | -€22,893 | ▼ 115% |
| Profit (loss) for the period to be appropriated9905 | €48,920 | €215,550 | -€2,772 | €156,441 | -€22,893 | ▼ 115% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.7m | €6.4m | €5.6m | €5.2m | €3.8m | ▼ 27.5% |
| Fixed assets21/28 | €2.2m | €5.4m | €4.9m | €4.3m | €2.9m | ▼ 33.5% |
| Intangible fixed assets21 | €1.3m | €4.5m | €3.9m | €3.4m | €2.8m | ▼ 16.7% |
| Tangible fixed assets22/27 | €940,644 | €960,159 | €967,730 | €935,693 | €76,256 | ▼ 91.9% |
| Land and buildings22 | - | €601,032 | €598,051 | €543,117 | €16,289 | ▼ 97.0% |
| Plant, machinery and equipment23 | - | €24,043 | €24,399 | €22,743 | €25,764 | ▲ 13.3% |
| Furniture and vehicles24 | - | €63,926 | €85,400 | €115,298 | €18,669 | ▼ 83.8% |
| Leasing and similar rights25 | - | €14,927 | €10,689 | - | - | - |
| Other tangible fixed assets26 | - | €256,231 | €249,190 | €244,535 | €15,534 | ▼ 93.6% |
| Assets under construction and advance payments27 | - | - | - | €10,000 | - | - |
| Financial fixed assets28 | €150 | €150 | €25,250 | €25,250 | €290 | ▼ 98.9% |
| Current assets29/58 | €3.5m | €929,559 | €676,224 | €885,825 | €897,069 | ▲ 1.3% |
| Amounts receivable within one year40/41 | €45,018 | €198,120 | €206,534 | €498,174 | €514,030 | ▲ 3.2% |
| Trade receivables40 | - | - | €24,716 | €193,467 | €213,934 | ▲ 10.6% |
| Other amounts receivable41 | - | €198,120 | €181,818 | €304,707 | €300,095 | ▼ 1.5% |
| Cash at bank and in hand54/58 | €3.2m | €143,226 | €90,527 | €56,511 | €63,583 | ▲ 12.5% |
| Deferred charges and accrued income490/1 | - | €588,213 | €379,163 | €331,140 | €319,456 | ▼ 3.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.7m | €6.4m | €5.6m | €5.2m | €3.8m | ▼ 27.5% |
| Equity10/15 | €140,665 | €356,215 | €353,443 | €363,796 | €73,208 | ▼ 79.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €3,128 | ▼ 83.2% |
| Reserves13 | €122,065 | €122,065 | €122,065 | €345,196 | €37,267 | ▼ 89.2% |
| Distributable reserves133 | - | €122,065 | €122,065 | €345,196 | €37,267 | ▼ 89.2% |
| Profit (loss) carried forward14 | - | €215,550 | €212,778 | - | €32,813 | - |
| Amounts payable17/49 | €5.6m | €6.0m | €5.2m | €4.8m | €3.7m | ▼ 23.6% |
| Amounts payable after more than one year17 | €4.9m | €4.8m | €4.2m | €3.6m | €2.5m | ▼ 29.7% |
| Financial debts170/4 | - | €4.8m | €4.2m | €3.6m | €2.5m | ▼ 29.7% |
| Amounts payable within one year42/48 | €533,751 | €1.0m | €872,565 | €1.1m | €1.0m | ▼ 6.3% |
| Current portion of amounts payable after more than one year42 | - | €571,710 | €606,347 | €591,330 | €609,613 | ▲ 3.1% |
| Financial debts43 | - | €84,243 | €33,964 | €103,400 | €150,000 | ▲ 45.1% |
| Credit institutions430/8 | - | €84,243 | €33,964 | €103,400 | €150,000 | ▲ 45.1% |
| Trade debts44 | €20,656 | €56,135 | €41,639 | €71,394 | €94,063 | ▲ 31.8% |
| Suppliers440/4 | - | €56,135 | €41,639 | €71,394 | €94,063 | ▲ 31.8% |
| Advances received on contracts in progress46 | - | - | - | €12,055 | €12,055 | = |
| Taxes, remuneration and social security45 | - | €186,461 | €101,165 | €95,397 | €157,684 | ▲ 65.3% |
| Taxes450/3 | - | €44,582 | €2,475 | €12,436 | €57,552 | ▲ 363% |
| Remuneration and social security454/9 | - | €141,878 | €98,690 | €82,961 | €100,132 | ▲ 20.7% |
| Other amounts payable47/48 | - | €115,050 | €89,451 | €233,982 | €14,628 | ▼ 93.7% |
| Accrued charges and deferred income492/3 | - | €171,393 | €133,301 | €121,542 | €120,032 | ▼ 1.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,920 | €215,550 | -€2,772 | €156,441 | -€22,893 | ▼ 115% |
| + Depreciation and write-downs630 | €197,636 | €621,998 | €635,364 | €662,776 | €624,518 | ▼ 5.8% |
| Operating cash flow (approximation) | €246,556 | €837,548 | €632,592 | €819,217 | €601,626 | ▼ 26.6% |
| Investment in fixed assets (approximation) | - | -€3.8m | -€126,190 | -€55,223 | €818,131 | ▲ 1,581% |
| Change in cash | - | -€3.1m | -€52,699 | -€34,015 | €7,072 | ▲ 121% |
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
2026
26-08
State Gazette act
Restructuring · End & cessationMerger · Accounting effect · Dissolution6 facts ▸
State Gazette act
Restructuring · End & cessation
Merger · Accounting effect · Dissolution6 facts ▸
- General meeting, 24-07-2026
- Merger, verrichting gelijkgesteld met fusie door overneming, gehele vermogen onder algemene titel
- Other statement, kennisname fusievoorstel, EERSTE BESLISSING
- Accounting effect, 01-01-2026
- Dissolution, ontbinding zonder vereffening, zelfde besluit door algemene vergadering Overnemende Vennootschap
- Other statement, uitreiking vóór registratie, artikel 173, 1°bis Wetboek van registratierechten
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€22,893
Net result drops to -€22,893, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-12
Financial
Back to profitnet €156,441
Net result €156,441 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €215,550 ▲341%
Operating result €396,653, net result €215,550, both a record.
31-12
Financial
Equity above €200,000Eq €356,215 ▲153%
4 profitable years in a row build equity to €356,215.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 6current ratio 6.49
Current ratio from 1.03 to 6.49.
31-12
Financial
Equity above €100,000Eq €140,665 ▲53.3%
3 profitable years in a row build equity to €140,665.
Show earlier events
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 12 acts read
About the unread acts
Of the 12 Belgian State Gazette acts we know for this company, 1 has been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jabbeke
Ground area
551 m²
Building footprint
222 m²
Volume, LiDAR
1,152 m³
Parcel 31035C0261/00E004, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31035C0261/00E004 | Flanders | 551 m² | 1 · 222 m² | 7.2 m · 2 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.
Structure & network
Part of the group
ICC TopCo
27 companies
Group, risk and exposure
Owners and holdings
2 ownersChain of control
- Helix
- Group induver
- AllCover
Highest known parent: Helix. The sources do not say who stands above it.
Owners 2
- Group induverparent100%
- Sourceaccounts UNA 202450%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTaken over by:Group induver
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 5,005 EUR awarded · 5,005 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,958 EUR | 1,958 EUR |
| 2024 | 1 | 857 EUR | 857 EUR |
| 2023 | 1 | 848 EUR | 848 EUR |
| 2022 | 1 | 1,342 EUR | 1,342 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,543 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
Founded23-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
35150Electricity, gas, steam and air conditioning supply
E-invoicing
Reachable via Peppol
Peppol ID
0208:0634579047
Registered
27-03-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.