Summary
ASSUFLEX 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 €1.1m and a net result of €623,938. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 1505 sector peers (fiscal year 2025). The company has been active since 2018 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-04-2026, 101 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
101 d early
2024
76 d early
2023
71 d early
2022
41 d early
2021
124 d early
2020
37 d early
2019
29 d early
← 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 68 days before 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 16 May (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#6 company by equity in Blankenberge, Finance and insurance sector#8 company by total assets in Blankenberge, Finance and insurance sector
Equity
€1.1m▲ 2.4%
2024 · €1.0m
Net result
€623,938▲ 57.8%
2024 · €395,420
Total assets
€2.2m▲ 57.3%
2024 · €1.4m
Solvency
48.0%▼ 25.7pp
2024 · 73.6%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€896,484▲ 104%€532,056▼ 40.7%€559,582▲ 5.2%€543,631▼ 2.9%€868,877▲ 59.8%
Net result€640,040above the sector's middle half▲ 98.2%€370,247above the sector's middle half▼ 42.2%€395,803above the sector's middle half▲ 6.9%€395,420above the sector's middle half▼ 0.1%€623,938above the sector's middle half▲ 57.8%
Equity€799,816above the sector's middle half▲ 401%€492,682within the sector's middle half▼ 38.4%€763,485within the sector's middle half▲ 55.0%€1.0mabove the sector's middle half▲ 35.4%€1.1mabove the sector's middle half▲ 2.4%
Total assets€1.7mabove the sector's middle half▲ 23.3%€1.4mwithin the sector's middle half▼ 19.5%€1.3mwithin the sector's middle half▼ 3.9%€1.4mwithin the sector's middle half▲ 5.8%€2.2mabove the sector's middle half▲ 57.3%
Debt€914,555▼ 25.7%€887,274▼ 3.0%€563,234▼ 36.5%€370,018▼ 34.3%€1.1m▲ 211%
Working capital€279,738within the sector's middle half-€60,482below the sector's middle half€86,142within the sector's middle half€495,876above the sector's middle half▲ 476%€667,372above the sector's middle half▲ 34.6%
Solvency46.7%within the sector's middle half▲ 35.2pp35.7%within the sector's middle half▼ 11.0pp57.5%within the sector's middle half▲ 21.8pp73.6%above the sector's middle half▲ 16.1pp48.0%within the sector's middle half▼ 25.7pp
Current ratio1.47within the sector's middle half▲ 0.490.91within the sector's middle half▼ 0.551.15within the sector's middle half▲ 0.242.34within the sector's middle half▲ 1.191.58within the sector's middle half▼ 0.76
Return on assets (ROA)37.3%above the sector's middle half▲ 14.1pp26.8%above the sector's middle half▼ 10.5pp29.8%above the sector's middle half▲ 3.0pp28.2%above the sector's middle half▼ 1.7pp28.3%above the sector's middle half▲ 0.1pp
Staff (FTE)6.5within the sector's middle half▲ 18.2%6.6within the sector's middle half▲ 1.5%6.6above the sector's middle half=8above the sector's middle half▲ 21.2%8.8above the sector's middle half▲ 10.0%
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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€391,589 ▼ 27.2%
Current assets
€1.8m ▲ 110%
Equity and liabilities €2.2m
Equity
€1.1m ▲ 2.4%
Debt
€1.1m ▲ 211%
Debt's share of the balance-sheet total rises from 26.4% to 52.0%. Equity and debt are higher.
Key figures and ratios
ROE
58.9%▲
2024 · 38.2%
Debt ≤ 1 year
€1.1m▲
2024 · €370,018
Income taxes
€275,999▲
2024 · €168,226
Staff costs
€489,448▲
2024 · €444,764
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €12,951 | €15,860 | €0 | - | - |
| Remuneration, social security and pensions62 | - | €351,647 | €387,367 | €444,764 | €489,448 | ▲ 10.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €142,285 | €139,553 | €151,936 | €153,342 | €154,708 | ▲ 0.9% |
| Other operating charges640/8 | - | €2,407 | €2,955 | €1,763 | €2,979 | ▲ 69.0% |
| Non-recurring operating charges66A | - | - | - | - | €6,750 | - |
| Gross operating margin9900 | €1.3m | €1.0m | €1.1m | €1.1m | €1.5m | ▲ 33.2% |
| Operating profit (loss)9901 | €896,484 | €532,056 | €559,582 | €543,631 | €868,877 | ▲ 59.8% |
| Financial income75/76B | - | €858 | €5,650 | €20,948 | €31,584 | ▲ 50.8% |
| Recurring financial income75 | €61 | €858 | €5,650 | €20,948 | €31,584 | ▲ 50.8% |
| Financial charges65/66B | - | €9,830 | €4,191 | €933 | €524 | ▼ 43.8% |
| Recurring financial charges65 | €14,548 | €9,830 | €4,191 | €933 | €524 | ▼ 43.8% |
| Profit (loss) for the period before taxes9903 | €881,997 | €523,084 | €561,042 | €563,646 | €899,937 | ▲ 59.7% |
| Income taxes67/77 | €241,957 | €152,837 | €165,239 | €168,226 | €275,999 | ▲ 64.1% |
| Profit (loss) for the period9904 | €640,040 | €370,247 | €395,803 | €395,420 | €623,938 | ▲ 57.8% |
| Profit (loss) for the period to be appropriated9905 | €640,040 | €370,247 | €395,803 | €395,420 | €623,938 | ▲ 57.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.4m | €1.3m | €1.4m | €2.2m | ▲ 57.3% |
| Fixed assets21/28 | €833,113 | €759,510 | €677,342 | €538,029 | €391,589 | ▼ 27.2% |
| Intangible fixed assets21 | €799,043 | €677,594 | €556,146 | €434,697 | €313,249 | ▼ 27.9% |
| Tangible fixed assets22/27 | €34,070 | €81,916 | €121,197 | €103,332 | €78,341 | ▼ 24.2% |
| Furniture and vehicles24 | - | €81,916 | €121,197 | €96,746 | €72,431 | ▼ 25.1% |
| Other tangible fixed assets26 | - | - | - | €6,586 | €5,910 | ▼ 10.3% |
| Current assets29/58 | €881,258 | €620,445 | €649,376 | €865,894 | €1.8m | ▲ 110% |
| Amounts receivable within one year40/41 | - | - | - | €3,993 | €28,711 | ▲ 619% |
| Other amounts receivable41 | - | - | - | €3,993 | €28,711 | ▲ 619% |
| Current investments50/53 | €500,000 | €399,951 | €400,000 | €650,000 | €1.6m | ▲ 146% |
| Cash at bank and in hand54/58 | €291,442 | €143,024 | €159,527 | €118,302 | €87,114 | ▼ 26.4% |
| Deferred charges and accrued income490/1 | - | €77,470 | €89,849 | €93,600 | €101,054 | ▲ 8.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.4m | €1.3m | €1.4m | €2.2m | ▲ 57.3% |
| Equity10/15 | €799,816 | €492,682 | €763,485 | €1.0m | €1.1m | ▲ 2.4% |
| Contributions10/11 | - | €18,800 | €18,800 | €18,800 | €18,800 | = |
| Reserves13 | €228,635 | €473,882 | €744,685 | €1.0m | €1.0m | ▲ 2.5% |
| Distributable reserves133 | - | €473,882 | €744,685 | €1.0m | €1.0m | ▲ 2.5% |
| Profit (loss) carried forward14 | €552,381 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €914,555 | €887,274 | €563,234 | €370,018 | €1.1m | ▲ 211% |
| Amounts payable after more than one year17 | €300,000 | €200,000 | €0 | - | - | - |
| Financial debts170/4 | - | €200,000 | €0 | - | - | - |
| Amounts payable within one year42/48 | €601,520 | €680,928 | €563,234 | €370,018 | €1.1m | ▲ 211% |
| Trade debts44 | €216,379 | €236,732 | €315,781 | €201,244 | €497,535 | ▲ 147% |
| Suppliers440/4 | - | €236,732 | €315,781 | €201,244 | €497,535 | ▲ 147% |
| Taxes, remuneration and social security45 | - | €319,195 | €122,453 | €43,774 | €53,090 | ▲ 21.3% |
| Taxes450/3 | - | €275,632 | €71,225 | €0 | - | - |
| Remuneration and social security454/9 | - | €43,563 | €51,228 | €43,774 | €53,090 | ▲ 21.3% |
| Other amounts payable47/48 | - | €125,000 | €125,000 | €125,000 | €598,882 | ▲ 379% |
| Accrued charges and deferred income492/3 | - | €6,346 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €640,040 | €370,247 | €395,803 | €395,420 | €623,938 | ▲ 57.8% |
| + Depreciation and write-downs630 | €142,285 | €139,553 | €151,936 | €153,342 | €154,708 | ▲ 0.9% |
| Operating cash flow (approximation) | €782,325 | €509,800 | €547,739 | €548,762 | €778,647 | ▲ 41.9% |
| Investment in fixed assets (approximation) | - | -€65,951 | -€69,768 | -€14,029 | -€8,269 | ▲ 41.1% |
| Change in cash | - | -€148,418 | €16,503 | -€41,226 | -€31,188 | ▲ 24.3% |
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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.34
Current ratio from 1.15 to 2.34; short-term debt falls from €563,234 to €370,018.
31-12
Financial
Equity above €1mEq €1.0m ▲35.4%
5 profitable years in a row build equity to €1.0m.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500,000Eq €763,485 ▲55%
4 profitable years in a row build equity to €763,485.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2019net €640,040 ▲98.2%
Operating result €896,484, net result €640,040, both a record.
31-12
Financial
Equity above €500,000Eq €799,816 ▲401%
2 profitable years in a row build equity to €799,816.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €322,854
Net result €322,854 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €159,776
Equity rises from -€13,078 to €159,776.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Blankenberge · 1 establishment unit since 2018
Ground area
778 m²
Building footprint
258 m²
Volume, LiDAR
2,037 m³
2 parcels, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Assuflex
since 20182.272.442.358
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31034A0114/00G000 | Flanders | 644 m² | 1 · 123 m² | 8.1 m · 2 fl. |
| 31004A0593/00E000indicative | Flanders | 134 m² | 1 · 134 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Company details
Identification
Legal formPrivate limited company
Founded05-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0689779965
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.