Summary
ASSUCONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €83,760 and a net result of €82,002. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 41% of 1423 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
on the day
2022
89 d late
2021
31 d late
2020
31 d late
2019
92 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 46 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
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Financials · fiscal year 2024, abbreviated schema
Equity
€83,760▲ 0.1%
2023 · €83,688
Net result
€82,002▼ 64.8%
2023 · €233,199
Total assets
€271,958▼ 26.6%
2023 · €370,546
Solvency
30.8%▲ 8.2pp
2023 · 22.6%
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€116,403▲ 7.6%€236,883▲ 104%€212,363▼ 10.4%€309,141▲ 45.6%€119,366▼ 61.4%
Net result€92,827above the sector's middle half▲ 21.0%€200,901above the sector's middle half▲ 116%€146,301above the sector's middle half▼ 27.2%€233,199above the sector's middle half▲ 59.4%€82,002within the sector's middle half▼ 64.8%
Equity€82,568within the sector's middle half▲ 1.0%€82,568within the sector's middle half=€82,869within the sector's middle half▲ 0.4%€83,688below the sector's middle half▲ 1.0%€83,760below the sector's middle half▲ 0.1%
Total assets€248,890within the sector's middle half▲ 3.3%€343,989within the sector's middle half▲ 38.2%€303,296within the sector's middle half▼ 11.8%€370,546below the sector's middle half▲ 22.2%€271,958below the sector's middle half▼ 26.6%
Debt€166,322▲ 4.4%€261,420▲ 57.2%€220,427▼ 15.7%€286,858▲ 30.1%€188,198▼ 34.4%
Working capital€77,805▲ 50.4%€98,412▲ 26.5%€67,733▼ 31.2%€60,219▼ 11.1%€45,202▼ 24.9%
Solvency33.2%within the sector's middle half▼ 0.7pp24.0%within the sector's middle half▼ 9.2pp27.3%within the sector's middle half▲ 3.3pp22.6%within the sector's middle half▼ 4.7pp30.8%within the sector's middle half▲ 8.2pp
Staff (FTE)3.8above the sector's middle half=4.1▲ 7.9%3.6▼ 12.2%4.6within the sector's middle half▲ 27.8%4.8within the sector's middle half▲ 4.3%
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 61% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €271,958
Fixed assets
€38,558 ▲ 64.3%
Current assets
€233,400 ▼ 32.8%
Equity and liabilities €271,958
Equity
€83,760 ▲ 0.1%
Debt
€188,198 ▼ 34.4%
Debt's share of the balance-sheet total falls from 77.4% to 69.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
97.9%▼
2023 · 278.7%
ROA
30.2%▼
2023 · 62.9%
Debt ≤ 1 year
€188,198▼
2023 · €286,858
Income taxes
€35,896▼
2023 · €71,556
Staff costs
€336,068▲
2023 · €300,281
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 | - | - | - | - | €14,772 | - |
| Remuneration, social security and pensions62 | - | €208,520 | €210,801 | €300,281 | €336,068 | ▲ 11.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,434 | €8,532 | €5,222 | €6,120 | €7,204 | ▲ 17.7% |
| Other operating charges640/8 | - | €9,627 | €10,584 | €17,849 | €757 | ▼ 95.8% |
| Gross operating margin9900 | €342,449 | €463,561 | €438,971 | €633,391 | €463,395 | ▼ 26.8% |
| Operating profit (loss)9901 | €116,403 | €236,883 | €212,363 | €309,141 | €119,366 | ▼ 61.4% |
| Financial income75/76B | - | €17 | - | €128 | €2,950 | ▲ 2,199% |
| Recurring financial income75 | €2 | €17 | - | €128 | €2,950 | ▲ 2,199% |
| Financial charges65/66B | - | €1,451 | €1,251 | €4,515 | €4,418 | ▼ 2.1% |
| Recurring financial charges65 | €1,956 | €1,451 | €1,251 | €4,515 | €4,418 | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | €117,827 | €235,449 | €211,112 | €304,754 | €117,898 | ▼ 61.3% |
| Income taxes67/77 | €25,000 | €34,548 | €64,811 | €71,556 | €35,896 | ▼ 49.8% |
| Profit (loss) for the period9904 | €92,827 | €200,901 | €146,301 | €233,199 | €82,002 | ▼ 64.8% |
| Profit (loss) for the period to be appropriated9905 | €92,827 | €200,901 | €146,301 | €233,199 | €82,002 | ▼ 64.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €248,890 | €343,989 | €303,296 | €370,546 | €271,958 | ▼ 26.6% |
| Fixed assets21/28 | €12,536 | €11,729 | €15,737 | €23,469 | €38,558 | ▲ 64.3% |
| Intangible fixed assets21 | €4,342 | €10,113 | €13,583 | €14,022 | €13,491 | ▼ 3.8% |
| Tangible fixed assets22/27 | €7,294 | €716 | €1,254 | €8,547 | €24,167 | ▲ 183% |
| Land and buildings22 | - | €0 | €0 | €8,096 | €7,256 | ▼ 10.4% |
| Plant, machinery and equipment23 | - | €0 | €896 | €451 | €16,911 | ▲ 3,651% |
| Furniture and vehicles24 | - | €716 | €358 | €0 | - | - |
| Financial fixed assets28 | €900 | €900 | €900 | €900 | €900 | = |
| Current assets29/58 | €236,355 | €332,260 | €287,559 | €347,077 | €233,400 | ▼ 32.8% |
| Amounts receivable within one year40/41 | €44,714 | €56,284 | €15,691 | €58,258 | €99,636 | ▲ 71.0% |
| Trade receivables40 | - | €56,284 | €5,691 | €47,108 | €69,377 | ▲ 47.3% |
| Other amounts receivable41 | - | - | €10,000 | €11,150 | €30,259 | ▲ 171% |
| Current investments50/53 | - | €25,000 | €128,750 | €188,394 | €97,293 | ▼ 48.4% |
| Cash at bank and in hand54/58 | €191,009 | €250,976 | €143,118 | €100,426 | €32,346 | ▼ 67.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | €4,125 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €248,890 | €343,989 | €303,296 | €370,546 | €271,958 | ▼ 26.6% |
| Equity10/15 | €82,568 | €82,568 | €82,869 | €83,688 | €83,760 | ▲ 0.1% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €63,968 | €63,968 | €64,269 | €65,088 | €65,160 | ▲ 0.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Distributable reserves133 | - | €37,108 | €37,409 | €38,228 | €38,300 | ▲ 0.2% |
| Amounts payable17/49 | €166,322 | €261,420 | €220,427 | €286,858 | €188,198 | ▼ 34.4% |
| Amounts payable after more than one year17 | €7,772 | €3,546 | - | - | - | - |
| Financial debts170/4 | - | €3,546 | - | - | - | - |
| Amounts payable within one year42/48 | €158,550 | €233,847 | €219,827 | €286,858 | €188,198 | ▼ 34.4% |
| Current portion of amounts payable after more than one year42 | - | €4,226 | - | - | - | - |
| Trade debts44 | €3,461 | €3,882 | €35,426 | €17,413 | €25,235 | ▲ 44.9% |
| Suppliers440/4 | - | €3,882 | €35,426 | €17,413 | €25,235 | ▲ 44.9% |
| Taxes, remuneration and social security45 | - | €18,823 | €37,285 | €36,416 | €32,817 | ▼ 9.9% |
| Taxes450/3 | - | - | €13,785 | €5,320 | - | - |
| Remuneration and social security454/9 | - | €18,823 | €23,500 | €31,096 | €32,817 | ▲ 5.5% |
| Other amounts payable47/48 | - | €206,916 | €147,115 | €233,029 | €130,146 | ▼ 44.2% |
| Accrued charges and deferred income492/3 | - | €24,027 | €600 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €92,827 | €200,901 | €146,301 | €233,199 | €82,002 | ▼ 64.8% |
| + Depreciation and write-downs630 | €18,434 | €8,532 | €5,222 | €6,120 | €7,204 | ▲ 17.7% |
| Operating cash flow (approximation) | €111,261 | €209,432 | €151,523 | €239,319 | €89,206 | ▼ 62.7% |
| Investment in fixed assets (approximation) | - | -€7,725 | -€9,230 | -€13,853 | -€22,293 | ▼ 60.9% |
| Change in cash | - | €59,966 | -€107,858 | -€42,692 | -€68,080 | ▼ 59.5% |
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €233,199 ▲59.4%
Operating result €309,141, net result €233,199, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 89 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 3 establishment units since 2002
Ground area
2,964 m²
Building footprint
412 m²
Volume, LiDAR
2,505 m³
3 parcels, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
3 establishment units
VERZEKERINGEN FILIP FRANSSENS
since 20022.114.747.973
Assuconsult
since 20032.229.471.358
Assuconsult
since 20112.229.471.556
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71055A0266/00F000 | Flanders | 1,490 m² | 1 · 176 m² | 9.4 m · 2 fl. |
| 71052B0135/00E000 | Flanders | 1,068 m² | 1 · 149 m² | 8.7 m · 2 fl. |
| 71326F0244/00T000 | Flanders | 406 m² | 1 · 88 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,897 EUR awarded · 2,897 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,897 EUR | 2,897 EUR |
Schemes
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,619 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 (pre-2019)
Founded21-06-2002
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477710845
Also
9925:BE0477710845
Registered
16-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.