Summary
ASSUCONSULTING 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 €106,765 and a net result of €24,521. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 2463 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 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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
4 d late
2024
1 d early
2023
28 d late
2022
10 d early
2021
8 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 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 (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€106,765▼ 37.5%
2024 · €170,825
Net result
€24,521▼ 26.4%
2024 · €33,321
Total assets
€208,919▼ 28.4%
2024 · €291,671
Solvency
51.1%▼ 7.5pp
2024 · 58.6%
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
Line20212022202320242025
Operating result€49,294▲ 505%€53,278▲ 8.1%€47,152▼ 11.5%€49,796▲ 5.6%€36,821▼ 26.1%
Net result€27,508within the sector's middle half▲ 1,341%€33,384within the sector's middle half▲ 21.4%€29,264within the sector's middle half▼ 12.3%€33,321within the sector's middle half▲ 13.9%€24,521within the sector's middle half▼ 26.4%
Equity€80,056within the sector's middle half▲ 30.9%€111,840within the sector's middle half▲ 39.7%€139,304within the sector's middle half▲ 24.6%€170,825within the sector's middle half▲ 22.6%€106,765within the sector's middle half▼ 37.5%
Total assets€356,777within the sector's middle half▼ 3.4%€339,545within the sector's middle half▼ 4.8%€306,228within the sector's middle half▼ 9.8%€291,671within the sector's middle half▼ 4.8%€208,919within the sector's middle half▼ 28.4%
Debt€275,221▼ 10.3%€226,205▼ 17.8%€165,423▼ 26.9%€119,346▼ 27.9%€100,654▼ 15.7%
Working capital€96,634within the sector's middle half▲ 24.4%€115,334within the sector's middle half▲ 19.4%€125,771within the sector's middle half▲ 9.0%€152,021within the sector's middle half▲ 20.9%€76,333within the sector's middle half▼ 49.8%
Solvency22.4%within the sector's middle half▲ 5.9pp32.9%within the sector's middle half▲ 10.5pp45.5%within the sector's middle half▲ 12.6pp58.6%within the sector's middle half▲ 13.1pp51.1%within the sector's middle half▼ 7.5pp
Current ratio2.00within the sector's middle half▲ 0.072.20within the sector's middle half▲ 0.202.67within the sector's middle half▲ 0.483.19within the sector's middle half▲ 0.521.93within the sector's middle half▼ 1.26
Return on assets (ROA)7.7%within the sector's middle half▲ 7.2pp9.8%within the sector's middle half▲ 2.1pp9.6%within the sector's middle half▼ 0.3pp11.4%within the sector's middle half▲ 1.9pp11.7%within the sector's middle half▲ 0.3pp
Staff (FTE)2.5=2.6▲ 4.0%2.5▼ 3.8%2.5=2.4▼ 4.0%
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 2025; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208,919
Fixed assets
€50,169 ▼ 28.5%
Current assets
€158,750 ▼ 28.3%
Equity and liabilities €208,919
Equity
€106,765 ▼ 37.5%
Provisions
€1,500 =
Debt
€100,654 ▼ 15.7%
Debt's share of the balance-sheet total rises from 40.9% to 48.2%. Equity and debt are lower.
Key figures and ratios
ROE
23.0%▲
2024 · 19.5%
Debt ≤ 1 year
€82,416▲
2024 · €69,483
Debt > 1 year
€18,180▼
2024 · €49,863
Income taxes
€11,210▼
2024 · €13,863
Staff costs
€205,215▲
2024 · €197,621
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €144,954 | €167,434 | €185,304 | €197,621 | €205,215 | ▲ 3.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €69,497 | €49,528 | €41,841 | €39,108 | €29,926 | ▼ 23.5% |
| Other operating charges640/8 | €4,522 | €5,106 | €4,386 | €4,919 | €5,051 | ▲ 2.7% |
| Gross operating margin9900 | €268,267 | €275,347 | €278,683 | €291,445 | €277,013 | ▼ 5.0% |
| Operating profit (loss)9901 | €49,294 | €53,278 | €47,152 | €49,796 | €36,821 | ▼ 26.1% |
| Financial income75/76B | €45 | €201 | €50 | €77 | €984 | ▲ 1,172% |
| Recurring financial income75 | €45 | €201 | €50 | €77 | €984 | ▲ 1,172% |
| Financial charges65/66B | €6,361 | €5,099 | €4,253 | €2,689 | €2,073 | ▼ 22.9% |
| Recurring financial charges65 | €6,361 | €5,099 | €4,253 | €2,689 | €2,073 | ▼ 22.9% |
| Profit (loss) for the period before taxes9903 | €42,978 | €48,380 | €42,948 | €47,184 | €35,732 | ▼ 24.3% |
| Income taxes67/77 | €15,470 | €14,997 | €13,684 | €13,863 | €11,210 | ▼ 19.1% |
| Profit (loss) for the period9904 | €27,508 | €33,384 | €29,264 | €33,321 | €24,521 | ▼ 26.4% |
| Profit (loss) for the period to be appropriated9905 | €27,508 | €33,384 | €29,264 | €33,321 | €24,521 | ▼ 26.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €356,777 | €339,545 | €306,228 | €291,671 | €208,919 | ▼ 28.4% |
| Fixed assets21/28 | €163,577 | €127,776 | €105,205 | €70,166 | €50,169 | ▼ 28.5% |
| Intangible fixed assets21 | €106,120 | €78,125 | €50,131 | €22,136 | €3,784 | ▼ 82.9% |
| Tangible fixed assets22/27 | €56,702 | €48,796 | €54,219 | €47,175 | €45,530 | ▼ 3.5% |
| Land and buildings22 | €46,434 | €43,092 | €49,236 | €42,670 | €34,188 | ▼ 19.9% |
| Plant, machinery and equipment23 | €3,249 | €3,824 | €2,043 | €2,326 | €9,776 | ▲ 320% |
| Furniture and vehicles24 | - | - | €2,792 | €2,179 | €1,566 | ▼ 28.1% |
| Other tangible fixed assets26 | €7,018 | €1,879 | €149 | €0 | - | - |
| Financial fixed assets28 | €755 | €855 | €855 | €855 | €855 | = |
| Current assets29/58 | €193,200 | €211,769 | €201,023 | €221,505 | €158,750 | ▼ 28.3% |
| Amounts receivable within one year40/41 | €23,849 | €30,032 | €30,754 | €36,860 | €17,356 | ▼ 52.9% |
| Trade receivables40 | €23,849 | €20,028 | €19,438 | €25,544 | €17,356 | ▼ 32.1% |
| Other amounts receivable41 | - | €10,003 | €11,316 | €11,316 | €0 | ▼ 100% |
| Current investments50/53 | €65,000 | €65,000 | €65,000 | €65,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €102,914 | €109,979 | €103,013 | €118,009 | €139,959 | ▲ 18.6% |
| Deferred charges and accrued income490/1 | €1,437 | €6,758 | €2,255 | €1,636 | €1,435 | ▼ 12.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €356,777 | €339,545 | €306,228 | €291,671 | €208,919 | ▼ 28.4% |
| Equity10/15 | €80,056 | €111,840 | €139,304 | €170,825 | €106,765 | ▼ 37.5% |
| Contributions10/11 | €24,008 | €24,008 | €24,008 | €24,008 | €24,008 | = |
| Reserves13 | €56,049 | €87,832 | €115,297 | €146,818 | €82,757 | ▼ 43.6% |
| Non-distributable reserves130/1 | €2,401 | - | - | - | - | - |
| Reserves not available under the articles1311 | €2,401 | - | - | - | - | - |
| Distributable reserves133 | €53,648 | €87,832 | €115,297 | €146,818 | €82,757 | ▼ 43.6% |
| Profit (loss) carried forward14 | €0 | - | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Provisions for liabilities and charges160/5 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Other liabilities and charges164/5 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Amounts payable17/49 | €275,221 | €226,205 | €165,423 | €119,346 | €100,654 | ▼ 15.7% |
| Amounts payable after more than one year17 | €177,918 | €129,770 | €90,172 | €49,863 | €18,180 | ▼ 63.5% |
| Financial debts170/4 | €177,918 | €129,770 | €90,172 | €49,863 | €18,180 | ▼ 63.5% |
| Amounts payable within one year42/48 | €96,566 | €96,435 | €75,252 | €69,483 | €82,416 | ▲ 18.6% |
| Current portion of amounts payable after more than one year42 | €68,776 | €58,370 | €40,830 | €40,309 | €31,683 | ▼ 21.4% |
| Financial debts43 | €3,344 | €12,114 | €5,055 | - | - | - |
| Credit institutions430/8 | €3,344 | €12,114 | €5,055 | - | - | - |
| Trade debts44 | €3,036 | €8,393 | €7,334 | €3,188 | €3,401 | ▲ 6.7% |
| Suppliers440/4 | €3,036 | €8,393 | €7,334 | €3,188 | €3,401 | ▲ 6.7% |
| Taxes, remuneration and social security45 | €15,445 | €15,198 | €17,127 | €19,613 | €25,758 | ▲ 31.3% |
| Taxes450/3 | €3,519 | €480 | €540 | €1,863 | €7,463 | ▲ 301% |
| Remuneration and social security454/9 | €11,926 | €14,718 | €16,587 | €17,750 | €18,295 | ▲ 3.1% |
| Other amounts payable47/48 | €5,965 | €2,359 | €4,905 | €6,373 | €21,575 | ▲ 239% |
| Accrued charges and deferred income492/3 | €737 | - | - | - | €58 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,508 | €33,384 | €29,264 | €33,321 | €24,521 | ▼ 26.4% |
| + Depreciation and write-downs630 | €69,497 | €49,528 | €41,841 | €39,108 | €29,926 | ▼ 23.5% |
| Operating cash flow (approximation) | €97,005 | €82,912 | €71,106 | €72,429 | €54,447 | ▼ 24.8% |
| Investment in fixed assets (approximation) | - | -€13,727 | -€19,270 | -€4,069 | -€9,929 | ▼ 144% |
| Change in cash | - | €7,065 | -€6,966 | €14,996 | €21,949 | ▲ 46.4% |
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
Next filing, fiscal year 2026, expected by
2026
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150,000Eq €170,825 ▲22.6%
6 profitable years in a row build equity to €170,825.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100,000Eq €111,840 ▲39.7%
4 profitable years in a row build equity to €111,840.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €1,909 ▼97.5%
Net result drops to €1,909, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sint-Niklaas · 1 establishment unit since 2013
Ground area
1,021 m²
Building footprint
147 m²
Volume, LiDAR
771 m³
Parcel 46444D0677/00K002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Assuconsulting BVBA
since 20132.224.393.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0677/00K002indicative | Flanders | 1,021 m² | 1 · 147 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel 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
2022 to 2023 · 2 entries · 141 EUR awarded · 141 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 93 EUR | 93 EUR |
| 2022 | 1 | 48 EUR | 48 EUR |
Similar companies · same sector, comparable size
LO - FINANCE
BE 0655.860.352
Lochristi · Eq €106,838
OUDENAARDS ZAKENKANTOOR
BE 0457.568.893
Oudenaarde · Eq €106,267
ASD ADVICE
BE 0799.422.035
Wavre · Eq €105,602
L4PC
BE 0762.841.454
Bastogne · Eq €105,514
LINKIU
BE 0836.710.815
Waterloo · Eq €108,235
Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,068 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
Founded18-11-2005
Fiscal year end30-09
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
info@assuconsulting.beSint-Niklaas
E-invoicing
Reachable via Peppol
Peppol ID
0208:0877343422
Also
9925:BE0877343422
Registered
17-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.