Summary
ASSUGROUP 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 €661,718 and a net result of €342,019. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 1534 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Insurance agents and brokers
NACE 66220
1 site
How big
€1.7mtotal assets 2025
- Staff
- 5.7 FTE
- Equity
- €661,718
- Profit
- €342,019
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
Accounts 1 d early0 of 8 deeds read
SignalsLatest accounts filed on timeShow the evidence
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
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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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d late
2023
26 d late
2022
29 d late
2021
31 d late
2020
59 d late
2019
25 d late
← 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 27 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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 27 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · full…
- Highest result since 2018net €359,145 ▲81.9%
Financials
Fiscal year 2025Total assets €1.7mProfit €342,019Solvency 38.6%Liquidity 0.76
Turnover
€420,808
2019
Net result
€342,019▼ 4.8%
2018 - 2025
Equity
€661,718▼ 2.5%
2018 - 2025
Staff (FTE)
5.7▼ 5.0%
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
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
Turnover
Operating result€0.2m▲ 16.7%€0.3m▲ 54.4%€0.3m▲ 11.3%€0.5m▲ 70.2%€0.5m▼ 6.1%
Net result€0.1mwithin the sector's middle half▲ 7.8%€0.2mwithin the sector's middle half▲ 79.6%€0.2mwithin the sector's middle half▲ 11.6%€0.4mabove the sector's middle half▲ 81.9%€0.3mabove the sector's middle half▼ 4.8%
Equity€0.3mwithin the sector's middle half▲ 44.5%€0.5mwithin the sector's middle half▲ 55.3%€0.7mwithin the sector's middle half▲ 39.8%€0.7mwithin the sector's middle half▼ 2.2%€0.7mwithin the sector's middle half▼ 2.5%
Total assets€1.4mwithin the sector's middle half▼ 0.2%€1.8mwithin the sector's middle half▲ 31.0%€1.8mwithin the sector's middle half▲ 1.2%€1.7mwithin the sector's middle half▼ 4.3%€1.7mwithin the sector's middle half▼ 1.2%
Debt€1.0m▼ 8.7%€1.3m▲ 23.6%€1.1m▼ 13.6%€1.1m▼ 5.7%€1.1m▼ 0.4%
Working capital€0.08mwithin the sector's middle half€0.08mwithin the sector's middle half▲ 11.3%€0.3mwithin the sector's middle half▲ 245%-€0.1mbelow the sector's middle half-€0.1mbelow the sector's middle half▲ 2.6%
Solvency23.4%within the sector's middle half▲ 7.2pp27.7%within the sector's middle half▲ 4.3pp38.3%within the sector's middle half▲ 10.6pp39.1%within the sector's middle half▲ 0.9pp38.6%within the sector's middle half▼ 0.5pp
Current ratio1.53within the sector's middle half▲ 1.091.43within the sector's middle half▼ 0.102.45within the sector's middle half▲ 1.020.64below the sector's middle half▼ 1.810.76below the sector's middle half▲ 0.12
Return on assets (ROA)7.2%within the sector's middle half▲ 0.5pp9.9%within the sector's middle half▲ 2.7pp10.9%within the sector's middle half▲ 1.0pp20.7%within the sector's middle half▲ 9.8pp20.0%within the sector's middle half▼ 0.7pp
Staff (FTE)3within the sector's middle half▲ 50.0%4.3within the sector's middle half▲ 43.3%4.5within the sector's middle half▲ 4.7%6within the sector's middle half▲ 33.3%5.7within the sector's middle half▼ 5.0%
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.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.4m ▼ 11.2%
Current assets
€355,126 ▲ 72.5%
Equity and liabilities €1.7m
Equity
€661,718 ▼ 2.5%
Debt
€1.1m ▼ 0.4%
Debt's share of the balance-sheet total rises from 60.9% to 61.4%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
ROE
51.7%▼
2024 · 52.9%
Debt ≤ 1 year
€469,685▲
2024 · €323,494
Debt > 1 year
€582,017▼
2024 · €730,700
Income taxes
€118,626▼
2024 · €126,649
Staff costs
€270,754▲
2024 · €267,001
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | ▲ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.2m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 6.9% |
| Other operating charges640/8 | €0.002m | €0.002m | €0.003m | €0.003m | €0.005m | ▲ 68.7% |
| Gross operating margin9900 | €0.5m | €0.7m | €0.8m | €1.0m | €1.0m | ▼ 4.1% |
| Operating profit (loss)9901 | €0.2m | €0.3m | €0.3m | €0.5m | €0.5m | ▼ 6.1% |
| Financial income75/76B | - | €277 | €21 | €0.003m | €0.004m | ▲ 45.3% |
| Recurring financial income75 | - | €277 | €21 | €0.003m | €0.004m | ▲ 45.3% |
| Financial charges65/66B | €0.02m | €0.02m | €0.02m | €0.02m | €0.01m | ▼ 22.2% |
| Recurring financial charges65 | €0.02m | €0.02m | €0.02m | €0.02m | €0.01m | ▼ 22.2% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.2m | €0.3m | €0.5m | €0.5m | ▼ 5.2% |
| Income taxes67/77 | €0.05m | €0.07m | €0.08m | €0.1m | €0.1m | ▼ 6.3% |
| Profit (loss) for the period9904 | €0.1m | €0.2m | €0.2m | €0.4m | €0.3m | ▼ 4.8% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.2m | €0.2m | €0.4m | €0.3m | ▼ 4.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.8m | €1.8m | €1.7m | €1.7m | ▼ 1.2% |
| Fixed assets21/28 | €1.2m | €1.5m | €1.3m | €1.5m | €1.4m | ▼ 11.2% |
| Intangible fixed assets21 | €1.1m | €1.5m | €1.3m | €1.5m | €1.2m | ▼ 15.1% |
| Tangible fixed assets22/27 | €0.05m | €0.02m | €0.03m | €0.04m | €0.09m | ▲ 145% |
| Furniture and vehicles24 | €0.04m | €0.02m | €0.03m | €0.02m | €0.07m | ▲ 227% |
| Other tangible fixed assets26 | €0.007m | €0.006m | €0.005m | €0.01m | €0.02m | ▲ 32.9% |
| Financial fixed assets28 | €0.001m | €0.001m | €0.02m | €0.02m | €0.02m | = |
| Current assets29/58 | €0.2m | €0.3m | €0.5m | €0.2m | €0.4m | ▲ 72.5% |
| Amounts receivable within one year40/41 | €0.03m | €0.03m | €0.02m | €0.02m | €0.002m | ▼ 89.2% |
| Trade receivables40 | €0.003m | €0.002m | - | - | - | - |
| Other amounts receivable41 | €0.03m | €0.02m | €0.02m | €0.02m | €0.002m | ▼ 89.2% |
| Cash at bank and in hand54/58 | €0.1m | €0.2m | €0.4m | €0.1m | €0.3m | ▲ 149% |
| Deferred charges and accrued income490/1 | €0.05m | €0.06m | €0.05m | €0.08m | €0.08m | ▲ 1.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.8m | €1.8m | €1.7m | €1.7m | ▼ 1.2% |
| Equity10/15 | €0.3m | €0.5m | €0.7m | €0.7m | €0.7m | ▼ 2.5% |
| Contributions10/11 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Distributable reserves133 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Profit (loss) carried forward14 | - | €0.2m | €0.4m | €0.4m | €0.3m | ▼ 4.8% |
| Amounts payable17/49 | €1.0m | €1.3m | €1.1m | €1.1m | €1.1m | ▼ 0.4% |
| Amounts payable after more than one year17 | €0.9m | €1.1m | €0.9m | €0.7m | €0.6m | ▼ 20.3% |
| Financial debts170/4 | €0.8m | €1.1m | €0.9m | €0.7m | €0.6m | ▼ 20.2% |
| Other amounts payable178/9 | €0.08m | €0.05m | €0.04m | €0.002m | - | - |
| Amounts payable within one year42/48 | €0.1m | €0.2m | €0.2m | €0.3m | €0.5m | ▲ 45.2% |
| Current portion of amounts payable after more than one year42 | €0.1m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 4.5% |
| Trade debts44 | €0.007m | €0.01m | €0.002m | €0.005m | €0.006m | ▲ 18.7% |
| Suppliers440/4 | €0.007m | €0.01m | €0.002m | €0.005m | €0.006m | ▲ 18.7% |
| Advances received on contracts in progress46 | - | - | - | €0.006m | - | - |
| Taxes, remuneration and social security45 | €0.01m | €0.02m | €0.03m | €0.05m | €0.02m | ▼ 57.5% |
| Taxes450/3 | €0.002m | - | €0.002m | €0.03m | €0.02m | ▼ 21.9% |
| Remuneration and social security454/9 | €0.009m | €0.02m | €0.03m | €0.02m | - | - |
| Other amounts payable47/48 | - | - | - | €0.1m | €0.3m | ▲ 168% |
| Accrued charges and deferred income492/3 | €0.002m | €0.002m | €0.002m | €0.002m | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98,465 | €176,851 | €197,437 | €359,145 | €342,019 | ▼ 4.8% |
| + Depreciation and write-downs630 | €184,453 | €234,386 | €231,035 | €255,631 | €237,971 | ▼ 6.9% |
| Operating cash flow (approximation) | €282,918 | €411,237 | €428,471 | €614,776 | €579,990 | ▼ 5.7% |
| Investment in fixed assets (approximation) | - | -€597,154 | -€42,603 | -€458,635 | -€67,196 | ▲ 85.3% |
| Change in cash | - | €55,124 | €218,888 | -€303,546 | €166,004 | ▲ 155% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,451 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
15 eventsLatest 30-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €359,145 ▲81.9%
Operating result €501,111, net result €359,145, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Equity above €500,000Eq €693,987 ▲39.8%
6 profitable years in a row build equity to €693,987.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.53
Current ratio from 0.44 to 1.53.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 59 days late
2020
31-12
Financial
Equity above €200,000Eq €221,234 ▲70.3%
3 profitable years in a row build equity to €221,234.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Equity above €100,000Eq €129,903 ▲53.4%
2 profitable years in a row build equity to €129,903.
Show earlier events
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 51 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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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Support & recognitions
1 register with a recognitionLEI lapsed
LEI
not active
2549008ARUPFR1AQ7T80
Recognitions · licences · registrations
Legal Entity Identifier
2549008ARUPFR1AQ7T80
Company details
Private limited company · founded 17-01-2011Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded17-01-2011
Fiscal year end31-12
Abbreviation FR
ASSUG
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832963150
Also
9925:BE0832963150
Registered
09-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 2011
Ground area
1,333 m²
Building footprint
73 m²
Volume, LiDAR
648 m³
Parcel 25110B0185/00M003, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Assug
since 2011unit no. 2.195.438.414
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0185/00M003 | Wallonia | 1,333 m² | 1 · 72 m² | 9.5 m · 3 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.
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 changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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