ASSU SERVICE 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 €217k and a net result of €40k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 43% of 1463 sector peers (fiscal year 2025). The company has been active since 1990 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 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
59 d early
2023
55 d early
2022
50 d early
2021
32 d early
2020
40 d early
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€217k▼ 65.1%
2024 · €623k
2019: €265k
2020: €270k
2021: €694k
2022: €669k
2023: €612k
2024: €623k
2019 → 2025
Net result
€40k▲ 16.0%
2024 · €35k
2019: €24k
2020: €5k
2021: €441k
2022: €-7k
2023: €22k
2024: €35k
2019 → 2025
Total assets
€665k▲ 2.3%
2024 · €650k
2019: €295k
2020: €283k
2021: €720k
2022: €687k
2023: €693k
2024: €650k
2019 → 2025
Solvency
32.6%▼ 63.1pp
2024 · 95.7%
2019: 90.0%
2020: 95.4%
2021: 96.4%
2022: 97.3%
2023: 88.3%
2024: 95.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€694k-€669k▼ 3.6%€612k▼ 8.5%€623k▲ 1.7%€217k▼ 65.1%
Operating result€-14k-€-7k▲ 47.8%€-8k▼ 6.5%€-5k▲ 32.6%€-5k▼ 1.5%
Net result€441k-€-7k€22k€35k▲ 59.2%€40k▲ 16.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €5k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €665k
Fixed assets
€241k▲ 1.3%
Current assets
€424k▲ 2.8%
Equity and liabilities €665k
Equity
€217k▼ 65.1%
Debt
€448k▲ 1,510%
The debt ratio rises from 4.3% to 67.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
32.6%▼
2024 · 95.7%
ROE
18.5%▲
2024 · 5.5%
ROA
6.0%▲
2024 · 5.3%
Debt
€448k▲
2024 · €28k
Debt ≤ 1 year
€448k▲
2024 · €28k
Income taxes
€4k▲
2024 · €3k
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€650k€665k▲
Fixed assets21/28€238k€241k▲
Tangible fixed assets22/27€64k€68k▲
Land and buildings22€63k€64k▲
Furniture and vehicles24€975€3k▲
Financial fixed assets28€174k€174k=
Current assets29/58€412k€424k▲
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€18k€39k▲
Other amounts receivable41€18k€39k▲
Current investments50/53€350k-
Cash at bank and in hand54/58€24k€365k▲
Deferred charges and accrued income490/1€569€348▼
Equity and liabilities
Total equity and liabilities10/49€650k€665k▲
Equity10/15€623k€217k▼
Contributions10/11€62k€62k=
Reserves13€561k€155k▼
Distributable reserves133€561k€155k▼
Amounts payable17/49€28k€448k▲
Amounts payable within one year42/48€28k€448k▲
Trade debts44€194€199▲
Suppliers440/4€194€199▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€24k€446k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€3k€3k▼
Operating profit (loss)9901€-5k€-5k▼
Financial income75/76B€44k€50k▲
Recurring financial income75€44k€50k▲
Financial charges65/66B€207€214▲
Recurring financial charges65€207€214▲
Profit (loss) for the period before taxes9903€38k€44k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€35k€40k▲
Profit (loss) for the period to be appropriated9905€35k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€40k▲
Transfer from equity791/2€24k€446k▲
Transfer to equity691/2€35k€40k▲
To other reserves6921€35k€40k▲
Profit to be distributed694/7€24k€446k▲
Return on contributions (dividend)694€24k€446k▲
The notes to these accounts (8 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 14.81
Current ratio from 5.55 to 14.81; short-term debt falls from €81k to €28k.
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-7k ▼102%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €441k ▲9690%
Net result €441k, the highest in the series.
30-06
Financial
Liquidity times 12current ratio 17.83
Current ratio from 1.44 to 17.83.
30-06
Financial
Equity above €500kEq €694k ▲157%
3 profitable years in a row build equity to €694k.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-01
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
5 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 1991
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.
Ruggeveldlaan 7532100 AntwerpenGround area
1,707 m²
Building footprint
367 m²
Volume, LiDAR
6,511 m³
2 parcels, Flanders · tallest building 26.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
ASSU SERVICE CV
since 19912.052.420.921
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11342A0326/00Z003 | Flanders | 1,493 m² | 1 · 289 m² | 26.7 m · 8 fl. |
| 11020I0335/00S002 | Flanders | 215 m² | 1 · 78 m² | - |
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.
Similar companies · same sector, comparable size
OOSTENS
BE 0786.799.464
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COSURE
BE 0466.374.218
Gent · Eq €217k
JOSE MOUSSOUX et FILS
BE 0449.124.153
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DUPONT JOS
BE 0455.608.010
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-1990
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.