Summary
ASSUPROTECT 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 €295,368 and a net result of €27,695. Equity remains stable across the filed financial years (±1.6% per year). Its solvency ranks better than 73% of 599 sector peers (NACE 66, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, full format
2025 annual accounts filed late (17 days) Filed on 17 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00401591.
Equity
€295,368▼ 7.4%
2024 · €318,822
Net result
€27,695▲ 32.8%
2024 · €20,854
Total assets
€437,789▼ 14.0%
2024 · €509,119
Solvency
67.5%▲ 4.8pp
2024 · 62.6%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 24% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€42,312
2025
Net result€27,695
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€437,789
2025
Equity€295,368
2025
Debt€142,421
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€94,497
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)6.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency67.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.29
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)2
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
Operating result€113,884-€97,902▼ 14.0%€108,980▲ 11.3%€109,570▲ 0.5%€83,986▼ 23.3%€35,417▼ 57.8%€34,191▼ 3.5%€42,312▲ 23.8%
Net result€86,239-€71,244▼ 17.4%€80,209within the sector's middle half▲ 12.6%€81,344within the sector's middle half▲ 1.4%€55,965within the sector's middle half▼ 31.2%€23,423within the sector's middle half▼ 58.1%€20,854within the sector's middle half▼ 11.0%€27,695within the sector's middle half▲ 32.8%
Equity€280,845-€298,030▲ 6.1%€321,180within the sector's middle half▲ 7.8%€355,966within the sector's middle half▲ 10.8%€373,730within the sector's middle half▲ 5.0%€340,153within the sector's middle half▼ 9.0%€318,822within the sector's middle half▼ 6.3%€295,368within the sector's middle half▼ 7.4%
Total assets€472,790-€733,268▲ 55.1%€689,192within the sector's middle half▼ 6.0%€675,522within the sector's middle half▼ 2.0%€653,580within the sector's middle half▼ 3.2%€591,130within the sector's middle half▼ 9.6%€509,119within the sector's middle half▼ 13.9%€437,789below the sector's middle half▼ 14.0%
Debt€191,945-€435,238▲ 127%€368,011▼ 15.4%€319,556▼ 13.2%€279,850▼ 12.4%€250,976▼ 10.3%€190,296▼ 24.2%€142,421▼ 25.2%
Working capital€210,508-€217,393▲ 3.3%€228,810within the sector's middle half▲ 5.3%€278,929within the sector's middle half▲ 21.9%€296,293within the sector's middle half▲ 6.2%€84,295within the sector's middle half▼ 71.6%€94,417within the sector's middle half▲ 12.0%€94,497within the sector's middle half▲ 0.1%
Solvency59.4%-40.6%▼ 18.8pp46.6%within the sector's middle half▲ 6.0pp52.7%within the sector's middle half▲ 6.1pp57.2%within the sector's middle half▲ 4.5pp57.5%within the sector's middle half▲ 0.4pp62.6%within the sector's middle half▲ 5.1pp67.5%within the sector's middle half▲ 4.8pp
Current ratio4.99-3.46▼ 1.534.35above the sector's middle half▲ 0.885.34above the sector's middle half▲ 0.995.25above the sector's middle half▼ 0.081.97within the sector's middle half▼ 3.282.29within the sector's middle half▲ 0.322.29within the sector's middle half=
Return on assets (ROA)18.2%-9.7%▼ 8.5pp11.6%within the sector's middle half▲ 1.9pp12.0%within the sector's middle half▲ 0.4pp8.6%within the sector's middle half▼ 3.5pp4.0%within the sector's middle half▼ 4.6pp4.1%within the sector's middle half▲ 0.1pp6.3%within the sector's middle half▲ 2.2pp
Staff (FTE)1.2-2.1▲ 75.0%2.3within the sector's middle half▲ 9.5%2within the sector's middle half▼ 13.0%2within the sector's middle half=2within the sector's middle half=2within the sector's middle half=2below the sector's middle half=
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 €437,789
Fixed assets
€270,240 ▼ 20.9%
Current assets
€167,549 ▲ 0.1%
Equity and liabilities €437,789
Equity
€295,368 ▼ 7.4%
Debt
€142,421 ▼ 25.2%
Debt's share of the balance-sheet total falls from 37.4% to 32.5%. Equity and debt are lower.
Key figures and ratios
ROE
9.4%▲
2024 · 6.5%
Debt ≤ 1 year
€73,052▲
2024 · €72,991
Debt > 1 year
€69,369▼
2024 · €117,305
Income taxes
€11,532▲
2024 · €9,319
Staff costs
€124,520▲
2024 · €124,109
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 |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1,200 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €108,352 | €132,722 | €169,806 | €161,303 | €166,900 | ▲ 3.5% |
| Remuneration, social security and pensions62 | - | - | - | €93,057 | €99,590 | €115,177 | €124,109 | €124,520 | ▲ 0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,974 | €58,438 | €57,781 | €60,716 | €57,598 | €61,547 | €80,100 | €78,871 | ▼ 1.5% |
| Other operating charges640/8 | - | - | - | €1,270 | €870 | €930 | €875 | €753 | ▼ 13.9% |
| Non-recurring operating charges66A | - | - | - | €2,092 | €974 | €4,181 | €1,536 | €1,882 | ▲ 22.5% |
| Gross operating margin9900 | €194,644 | €254,356 | €270,302 | €266,705 | €243,018 | €217,252 | €240,812 | €248,338 | ▲ 3.1% |
| Operating profit (loss)9901 | €113,884 | €97,902 | €108,980 | €109,570 | €83,986 | €35,417 | €34,191 | €42,312 | ▲ 23.8% |
| Financial income75/76B | - | - | - | €0 | €0 | €1 | - | €0 | - |
| Recurring financial income75 | - | - | €0 | €0 | €0 | €1 | - | €0 | - |
| Financial charges65/66B | - | - | - | €6,684 | €5,962 | €5,009 | €4,019 | €3,086 | ▼ 23.2% |
| Recurring financial charges65 | €3,649 | €8,549 | €7,803 | €6,684 | €5,962 | €5,009 | €4,019 | €3,086 | ▼ 23.2% |
| Profit (loss) for the period before taxes9903 | €110,235 | €89,353 | €101,176 | €102,887 | €78,024 | €30,409 | €30,172 | €39,227 | ▲ 30.0% |
| Income taxes67/77 | €23,997 | €18,109 | €20,967 | €21,542 | €22,060 | €6,986 | €9,319 | €11,532 | ▲ 23.7% |
| Profit (loss) for the period9904 | €86,239 | €71,244 | €80,209 | €81,344 | €55,965 | €23,423 | €20,854 | €27,695 | ▲ 32.8% |
| Profit (loss) for the period to be appropriated9905 | €86,239 | €71,244 | €80,209 | €81,344 | €55,965 | €23,423 | €20,854 | €27,695 | ▲ 32.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €472,790 | €733,268 | €689,192 | €675,522 | €653,580 | €591,130 | €509,119 | €437,789 | ▼ 14.0% |
| Fixed assets21/28 | €209,526 | €427,631 | €392,021 | €332,260 | €287,648 | €420,104 | €341,711 | €270,240 | ▼ 20.9% |
| Intangible fixed assets21 | €184,100 | €409,150 | €359,200 | €309,250 | €262,247 | €210,969 | €159,691 | €109,450 | ▼ 31.5% |
| Tangible fixed assets22/27 | €25,426 | €18,481 | €32,821 | €23,010 | €25,401 | €209,135 | €182,020 | €160,790 | ▼ 11.7% |
| Land and buildings22 | - | - | - | €4,492 | €4,100 | €3,708 | €3,316 | €2,925 | ▼ 11.8% |
| Furniture and vehicles24 | - | - | - | €16,394 | €17,374 | €20,418 | €13,529 | €10,936 | ▼ 19.2% |
| Other tangible fixed assets26 | - | - | - | €2,124 | €3,927 | €185,009 | €165,174 | €146,930 | ▼ 11.0% |
| Current assets29/58 | €263,264 | €305,637 | €297,170 | €343,262 | €365,932 | €171,026 | €167,408 | €167,549 | ▲ 0.1% |
| Amounts receivable within one year40/41 | €58,480 | €55,858 | €48,372 | €33,199 | €52,106 | €62,770 | €93,363 | €103,683 | ▲ 11.1% |
| Trade receivables40 | - | - | - | €33,199 | €39,166 | €49,315 | €68,815 | €73,532 | ▲ 6.9% |
| Other amounts receivable41 | - | - | - | - | €12,940 | €13,455 | €24,548 | €30,150 | ▲ 22.8% |
| Cash at bank and in hand54/58 | €204,184 | €249,179 | €247,665 | €308,796 | €313,225 | €107,045 | €73,063 | €62,889 | ▼ 13.9% |
| Deferred charges and accrued income490/1 | - | - | - | €1,266 | €600 | €1,211 | €982 | €977 | ▼ 0.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €472,790 | €733,268 | €689,192 | €675,522 | €653,580 | €591,130 | €509,119 | €437,789 | ▼ 14.0% |
| Equity10/15 | €280,845 | €298,030 | €321,180 | €355,966 | €373,730 | €340,153 | €318,822 | €295,368 | ▼ 7.4% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Contributions outside capital11 | - | - | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Other1109/19 | - | - | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €167,560 | €184,745 | €207,895 | €242,680 | €260,445 | €226,868 | €205,537 | €182,082 | ▼ 11.4% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €240,820 | €258,585 | €225,008 | €203,677 | €180,222 | ▼ 11.5% |
| Profit (loss) carried forward14 | €94,685 | €94,685 | €94,685 | €94,685 | €94,685 | €94,685 | €94,685 | €94,685 | = |
| Amounts payable17/49 | €191,945 | €435,238 | €368,011 | €319,556 | €279,850 | €250,976 | €190,296 | €142,421 | ▼ 25.2% |
| Amounts payable after more than one year17 | €139,189 | €346,994 | €299,651 | €255,223 | €210,212 | €164,246 | €117,305 | €69,369 | ▼ 40.9% |
| Financial debts170/4 | - | - | - | €255,223 | €210,212 | €164,246 | €117,305 | €69,369 | ▼ 40.9% |
| Amounts payable within one year42/48 | €52,756 | €88,244 | €68,360 | €64,333 | €69,638 | €86,731 | €72,991 | €73,052 | ▲ 0.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €44,254 | €44,869 | €45,855 | €46,846 | €47,841 | ▲ 2.1% |
| Trade debts44 | €7,873 | €10,603 | €7,496 | €8,154 | €9,123 | €11,656 | €7,355 | €7,588 | ▲ 3.2% |
| Suppliers440/4 | - | - | - | €8,154 | €9,123 | €11,656 | €7,355 | €7,588 | ▲ 3.2% |
| Taxes, remuneration and social security45 | - | - | - | €11,497 | €14,049 | €17,123 | €18,791 | €17,623 | ▼ 6.2% |
| Taxes450/3 | - | - | - | €1 | €1,910 | €2,850 | €4,195 | €2,558 | ▼ 39.0% |
| Remuneration and social security454/9 | - | - | - | €11,496 | €12,139 | €14,273 | €14,596 | €15,065 | ▲ 3.2% |
| Other amounts payable47/48 | - | - | - | €427 | €1,597 | €12,097 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €86,239 | €71,244 | €80,209 | €81,344 | €55,965 | €23,423 | €20,854 | €27,695 | ▲ 32.8% |
| + Depreciation and write-downs630 | €35,974 | €58,438 | €57,781 | €60,716 | €57,598 | €61,547 | €80,100 | €78,871 | ▼ 1.5% |
| Operating cash flow (approximation) | €122,213 | €129,683 | €137,990 | €142,061 | €113,562 | €84,970 | €100,954 | €106,566 | ▲ 5.6% |
| Investment in fixed assets (approximation) | - | -€276,544 | -€22,171 | -€955 | -€12,986 | -€194,003 | -€1,707 | -€7,399 | ▼ 333% |
| Change in cash | - | €44,995 | -€1,514 | €61,131 | €4,429 | -€206,180 | -€33,982 | -€10,174 | ▲ 70.1% |
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 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 17-08-2026 | 2026-00401591 |
| 31-12-2024 | abbreviated format | 29-08-2025 | 2025-00473050 |
| 31-12-2023 | abbreviated format | 29-08-2024 | 2024-00414958 |
| 31-12-2022 | abbreviated format | 25-09-2023 | 2023-00456463 |
| 31-12-2021 | abbreviated format | 31-08-2022 | 2022-20408033 |
| 31-12-2020 | abbreviated format | 31-08-2021 | 2021-61200090 |
| 31-12-2019 | abbreviated format | 03-09-2020 | 2020-50500005 |
| 31-12-2018 | abbreviated format | 30-08-2019 | 2019-58200044 |
| 31-12-2017 | abbreviated format | 28-08-2018 | 2018-51500236 |
| 31-12-2016 | micro format | 28-07-2017 | 2017-37800492 |
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Of the 4,610 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 2,725 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.