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 about 24% per year across the filed financial years. Its solvency ranks better than 50% of 1,814 sector peers (NACE 66, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
Equity
€661,718▼ 2.5%
2024 · €678,844
Net result
€342,019▼ 4.8%
2024 · €359,145
Total assets
€1.7m▼ 1.2%
2024 · €1.7m
Solvency
38.6%▼ 0.5pp
2024 · 39.1%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 6% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.5m
2025
Net result€0.3m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.7m
2025
Equity€0.7m
2025
Debt€1.1m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€0.1m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)20.0%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency38.6%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.76
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)5.7
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€0.4m
Operating result€0.02m-€0.07m▲ 363%€0.1m▲ 96.8%€0.2m▲ 16.7%€0.3m▲ 54.4%€0.3m▲ 11.3%€0.5m▲ 70.2%€0.5m▼ 6.1%
Net result€0.004m-€0.05m▲ 1,149%€0.09mwithin the sector's middle half▲ 102%€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€0.08m-€0.1m▲ 53.4%€0.2mwithin the sector's middle half▲ 70.3%€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€0.3m-€0.7m▲ 113%€1.4mwithin the sector's middle half▲ 84.5%€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€0.3m-€0.6m▲ 132%€1.1m▲ 87.5%€1.0m▼ 8.7%€1.3m▲ 23.6%€1.1m▼ 13.6%€1.1m▼ 5.7%€1.1m▼ 0.4%
Working capital€0.03m--€0.02m-€0.08mbelow the sector's middle half▼ 409%€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%
Solvency24.3%-17.5%▼ 6.8pp16.1%within the sector's middle half▼ 1.3pp23.4%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 ratio1.51-0.81▼ 0.700.44below the sector's middle half▼ 0.371.53within 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)1.0%-6.1%▲ 5.0pp6.7%within the sector's middle half▲ 0.6pp7.2%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)1.3-1.7▲ 30.8%2within the sector's middle half▲ 17.6%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 of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
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
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.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | €0.4m | - | - | - | - | - | - | - |
| 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 | €0.06m | €0.1m | €0.1m | €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 | €0.1m | €0.3m | €0.3m | €0.5m | €0.7m | €0.8m | €1.0m | €1.0m | ▼ 4.1% |
| Operating profit (loss)9901 | €0.02m | €0.07m | €0.1m | €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 | - | €311 | €53 | - | €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 | €0.004m | €0.01m | €0.01m | €0.02m | €0.02m | €0.02m | €0.02m | €0.01m | ▼ 22.2% |
| Profit (loss) for the period before taxes9903 | €0.01m | €0.06m | €0.1m | €0.2m | €0.2m | €0.3m | €0.5m | €0.5m | ▼ 5.2% |
| Income taxes67/77 | €0.008m | €0.02m | €0.04m | €0.05m | €0.07m | €0.08m | €0.1m | €0.1m | ▼ 6.3% |
| Profit (loss) for the period9904 | €0.004m | €0.05m | €0.09m | €0.1m | €0.2m | €0.2m | €0.4m | €0.3m | ▼ 4.8% |
| Profit (loss) for the period to be appropriated9905 | €0.004m | €0.05m | €0.09m | €0.1m | €0.2m | €0.2m | €0.4m | €0.3m | ▼ 4.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.3m | €0.7m | €1.4m | €1.4m | €1.8m | €1.8m | €1.7m | €1.7m | ▼ 1.2% |
| Fixed assets21/28 | €0.3m | €0.7m | €1.3m | €1.2m | €1.5m | €1.3m | €1.5m | €1.4m | ▼ 11.2% |
| Intangible fixed assets21 | €0.2m | €0.6m | €1.3m | €1.1m | €1.5m | €1.3m | €1.5m | €1.2m | ▼ 15.1% |
| Tangible fixed assets22/27 | €0.05m | €0.05m | €0.04m | €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 | €270 | €270 | - | €0.001m | €0.001m | €0.02m | €0.02m | €0.02m | = |
| Current assets29/58 | €0.08m | €0.06m | €0.06m | €0.2m | €0.3m | €0.5m | €0.2m | €0.4m | ▲ 72.5% |
| Amounts receivable within one year40/41 | - | - | €0.005m | €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 | €0.07m | €0.04m | €0.02m | €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 | €0.3m | €0.7m | €1.4m | €1.4m | €1.8m | €1.8m | €1.7m | €1.7m | ▼ 1.2% |
| Equity10/15 | €0.08m | €0.1m | €0.2m | €0.3m | €0.5m | €0.7m | €0.7m | €0.7m | ▼ 2.5% |
| Contributions10/11 | €0.1m | €0.1m | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | - | - | €0.08m | €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 | -€0.06m | -€0.01m | -€0.06m | - | €0.2m | €0.4m | €0.4m | €0.3m | ▼ 4.8% |
| Amounts payable17/49 | €0.3m | €0.6m | €1.1m | €1.0m | €1.3m | €1.1m | €1.1m | €1.1m | ▼ 0.4% |
| Amounts payable after more than one year17 | €0.2m | €0.5m | €1.0m | €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 | €0.05m | €0.08m | €0.1m | €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 | €0.009m | €0.003m | €0.002m | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,619 | €45,210 | €91,331 | €98,465 | €176,851 | €197,437 | €359,145 | €342,019 | ▼ 4.8% |
| + Depreciation and write-downs630 | €56,292 | €107,844 | €108,958 | €184,453 | €234,386 | €231,035 | €255,631 | €237,971 | ▼ 6.9% |
| Operating cash flow (approximation) | €59,912 | €153,054 | €200,289 | €282,918 | €411,237 | €428,471 | €614,776 | €579,990 | ▼ 5.7% |
| Investment in fixed assets (approximation) | - | -€516,865 | -€739,881 | -€26,322 | -€597,154 | -€42,603 | -€458,635 | -€67,196 | ▲ 85.3% |
| Change in cash | - | -€23,758 | -€25,027 | €122,672 | €55,124 | €218,888 | -€303,546 | €166,004 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-07-2026 | 2026-00353048 |
| 31-12-2024 | full format | 21-08-2025 | 2025-00396479 |
| 31-12-2023 | full format | 26-08-2024 | 2024-00374591 |
| 31-12-2022 | full format | 29-08-2023 | 2023-00367994 |
| 31-12-2021 | full format | 31-08-2022 | 2022-20397397 |
| 31-12-2020 | full format | 28-09-2021 | 2021-68900507 |
| 31-12-2019 | full format | 25-08-2020 | 2020-48300311 |
| 31-12-2018 | full format | 27-08-2019 | 2019-55700317 |
| 31-12-2017 | full format | 20-09-2018 | 2018-63600217 |
| 31-12-2016 | full format | 31-08-2017 | 2017-56400446 |
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Of the 4,609 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 2,436 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.